davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-01
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Moria Development, Inc. (AZ)

I was in the process of purchasing a home. The lender was working on my credit report to do a rapid rescore. She began to be unresponsive or less responsive with emails and not returning my phone calls. Then I was notified of a new credit card that was applied for in my name, but I did n't apply for one. The lender was very determined to process my loan, to the point where she opened up a credit card in my name without my permission. Doing this would show more available credit and less debt, increasing my score. When I emailed her and her supervisor asking about this card, she never responded, i did not close on my house and I lost all my money that I put in. At this point, the sellers realtor filed a complaint due to non communication, my realtor sent an email to her demanding a response within a timely manner and she completely did not respond to anyone. Her supervisor called me 3 days after we were supposed to close and said that I needed to contact the FBI and that they 've decided to deny my loan because everything is just a mess now. I am asking to be refunded on all the fees I paid out, or I will be pursuing further action.
Consumer complaint received 2017-05-25
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (LA)

re : bait and switch I purchased a  XXXX   XXXX  phone in  XXXX   XXXX . This purchase was based on the  XXXX  sales literature stating 0 % interest with 24 months to pay :   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  #  XXXX  A credit card account was assigned to me with Synchrony Bank. On  XXXX / XXXX / XXXX , I requested the following from Synchrony via their online email : " I received documentation for this new account today via mail. The documentation does not indicate the terms from the  XXXX   XXXX  which I understand to be two years interest free on my opening balance of $ $ $ $ ; payments monthly of approximately $ $ $  . I s this correct? '' Synchrony replied saying it would  take two billin g cycles to get an answer. I am still waiting for that answer!!     Instead of the  two year, 0 % deferred interest, my Synchrony acco unt was setup with a one year deferred interest period, expiring on   XX/XX/XXXX . Base d on this now 1-year period, I setup monthly automatic payments, collected by Synchrony, from my checking account so as to have the balance paid off within the one year deferred interest period. Payments are being paid on time.     As of my  XXXX  Synchrony statement, the deferred interest period expiry was sti ll  XX/XX/XXXX . As   of my recent  XXXX  statement, the deferred interest period is not even mentioned and the deferred interest of almost {$64.00} has been debited to the account. It now looks as if the deferred interest period was for 6-months. Is it that Synchrony saw that I was paying the balance down within the 1-year deferred interest period expir ing on  XX/XX/XXXX  and  decided to change it to 6-months to earn the interest ... a classic bait and switch??     I am fed up trying to get answers from Synchrony and  XXXX  also offers no help.
Consumer complaint received 2017-05-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE (NY)

Barclays ' Luxury Card allowed service members to receive an annual fee waiver and receive 0 % APR benefits under their then-current policy regarding the Servicemembers ' Credit Relief Act. Now, suddenly and without warning, they are threatening to charge my account with the annual fee, a complete reversal of their prior policy. I now have to close my account or face the possibility of being slapped with a {$990.00} fee. It is ridiculous that they do not allow a grandfathering of those accepted to be cardmembers under their previous policy, and are now leaving servicemembers with the difficult situation of paying the fee or being forced to close their account.
Consumer complaint received 2017-05-25
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (VA)

My account was approve for Forbearance from  XXXX   XXXX    XXXX  .  Navient  reported late payments for this time frame. I provided the proof that my forbearance was approve but they refuse to update my credit report accordingly.
Consumer complaint received 2016-08-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

On XXXX XXXX I filed a direct dispute through XXXX XXXX with Transunion about a debt on my credit report. The debt was with XXXX XXXX XXXX XXXX collection agency. The original creditor was XXXX. I never received notification that this item was going on my credit report., which by my understanding is required under the Fair credit act. In addition, I have requested a bill from the original creditor itemizing the charges. Since when I terminated service in XXXX of XXXX I had a XXXX balance. XXXX reported this to the credit reporting agencies in XXXX of XXXX. I requested the bill from XXXX previously on XXXX XXXX, XXXX. Trans union completed their investigation on XXXX XXXX. I have requested the source of verification from Trans Union but was told that they can not provide me with that information. I asked them to reinvestigate the negative on XXXX XXXX. I am requesting that XXXX and/or Transunion remove this from my credit report if it can not be verified with a bill.
Consumer complaint received 2016-08-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I refinanced my mortgage with Bank of America a few years ago. They forced me to enroll in auto payments, which prevented the ability to add an extra amount to my payment to pay off my mortgage. Their online system does not allow you to make inter-month additional payments to either principal or my escrow account. I think BofA intentionally makes it difficult to pay off your mortgage. I 've pursued my complaint with them directly and I am told I can either schedule an additional payment ( I ca n't afford to make 2 payments in a month and add {$100.00} ) or mail a check for the additional principal I want to pay down. It is not convenient. I do n't understand why I ca n't make an additional payment whenever I want for whatever amount I want when I have additional money available with the intent of paying my mortgage off earlier.
Consumer complaint received 2016-08-01
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (FL)

End of Lease issue. Nissan, see attached, wants me to pay another month beyond my lease end. Also wants me to pay for other fees I do not understand. When I tried to work with my dealer to turn in my car, they mishandled working with me to get a new car. So I bought XXXX elsewhere. In the meantime I called and scheduled the inspection company to come and inspect my car. The inspection company estimated my excessive wear and tear at about {$210.00}. I then drove my car to the dealer and dropped it off. This process took about three weeks and I spoke to Nissan three times about how long the process is taking to get the car disposed of. I kept them in the loop. The XXXX call I made to Nissan was with with an abusive representative and demanded I pay another month for keeping the car. I told him I do n't want the car and had trouble working with the dealer. I hung up on him. In the meantime I bought another car and had the old Nissan at my house while waiting for the inspection company. I paid for car insurance on the Nissan while in my driveway with my new car. After a month or so I received an invoice for over {$1000.00}. Remaining rents due plus excessive mileage plus disposition fees. I paid the excessive fee of {$200.00}. I did not pay the remaining rents due and I asked them for a copy of my contract that said I also owe a {$390.00} disposition fee. I do not remember the dealer talking about this when I took out the lease. They sent me another bill showing the payment of {$200.00} and then I received a collection saying my account has been placed for collection. I guess they are not going to send me anything related to my request for information on the disposition fee and they ignored my plight regarding working with the dealer to get the car turned in. 
Please help. XXXX XXXX
Consumer complaint received 2024-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking.

ACCOUNTS : XXXX XXXX - XXXX - XX/XX/XXXX - {$36000.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$4500.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$10000.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$2700.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2017-05-25
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Hameroff Law Group, P.C. (AZ)

Copper state financial filed lawsuits against me for debts and amounts I have never owed to them. I have been going back and forth with them  since 2011. The information has been removed from my credit report because they are unable to show proof of my debt. They did however get a default judgement since I was unaware of a court date. The debt is false they just keep sending a paper with my signature that I signed after a debt collector told me if I did n't sign it I would be placed under arrest for theft. This paper was signed a year after the company claimed I owed them money, no original paper work has ever been provided with my name or signature. I was truly afraid I was going to jail and had 4-5 calls a day threatening m e.
Consumer complaint received 2017-05-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (WA)

Hi my name is  XXXX   XXXX , I have a complaint to write about my banks with my home loan. My current ban k Wells Fargo Ba nk has received my full Request for Loan Modification packet that I sent in recentl y. Wells Fargo B ank admits they have received t he Request for Loan Modification  packet but they still have put my home for foreclosure sale which is scheduled for  XXXX  -2017. I do nt know why they are posting my home if they have a compl ete Request for Loan Modification  packet. How am I supposed to deal with this now they are saying its too close to the sale date to do anything.   I originally had my loan started with  XXXX   XXXX    XXXX   I used to pay all the time and on time around {$1100.00} per month for my mortgage until the recession hit and I was affected very badly by it. I lost a very big amount of income and could not pay the loan. After some time I got back on my feet and could actually pay. When this time come my loan mortgage was changed to Wachovia Bank. Wachovia Bank was asking me to pay a monthly amount of around {$1800.00}. This was much higher then what I could not pay in the beginning. After some time has passed I was notified that my loan was again changed  to Wells Fargo Bank. This Wells Fargo is now my current bank. Wells Fargo Bank is now asking me to pay {$2400.00} per month for my loan. How is this possible? I can   not afford this amount what can I do to get a payment amount that I used to have. Ive tried but had no luck. Ive sent  the Wells Fargo Bank all my documents a full RMA packet but t hey are saying I dont have enough time to be reviewed.
Consumer complaint received 2017-06-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: JPMORGAN CHASE & CO. (AZ)

There has been numerous times that my wife and I have both received notification that we were either approved denied a Chas e Amazon.com Vis   XXXX  CC over the past year or so.  <P/> We notified the company many months ago and this has occurred more times including as last as   XXXX   XXXX   XXXX
Consumer complaint received 2017-05-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc. (FL)

On  XXXX   XXXX     2017 I rec eived a phone call from  XXXX   XXXX  wi th National Credit Systems , Inc  about alleged money that I owed to  XXXX   XXXX   XXXX  Homes. I told her to send me proof in writing to validate the debt. I know under the Fair Debt Collection Practices Act that they have 5 days to send me the information. I received the letter yesterday,  XXXX   XXXX   2017. I t was postmarked  XXXX   XXXX     2017.   Included was an invoice from  XXXX   XXXX   XXXX   XXXX , listing various charges and it was addressed to the apartment that I had moved out of. I never received this original invoice, so I never had the opportunity to dispute or keep it from going to collections. I do n't believe they mailed it because I would have received it since all my mail was forwarded. I tried calling  XXXX   XXXX  after I moved out many times and I never once received a return phone call. They also never tried to call me about anything I owed. my phone number that they had on file did not change. In addition,  National Credit  Systems failed to prove ownership of this debt.
Consumer complaint received 2017-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

Upon being denied from a lender for " multiple inquiries '' from Transunion report, I decide to check my reports from all credit bureaus for accuracy. I have realized that there were a few credit inquiries on my Transunion that I DID NOT authorize and had no knowledge of. I contacted Transunion and had no relief. Please see that the following inquiries that were not authorized by me with the date of when the report was improperly requested and received. Per my investigation none of these companies received any identification or authorization from ME to pull my credit for any reason.     1.  XXXX   XX/XX/XXXX   2 .   XXXX   XXXX   XXXX    XX/XX/XXXX  3.  XXXX   XXXX   XXXX   XX/XX/XXXX   4.    XXXX   XX/XX/XXXX
Consumer complaint received 2017-05-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (CT)

i answered a used car add on XXXX XXXX on XX/XX/XXXX. I phoned Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. She told me she was being XXXX and she wanted to protect her investment so she used a broker at XXXX who sent me an invoice with detailed payment instructions. This invoice had transaction id XXXX guarantee free shipping etc.We send XXXX for the car via a moneygram sent to Agent Name : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. We receive an email from XXXX stating that XXXX XXXX requires another XXXX for shipping insurance. But we will get money back after we receive car in XXXX. So we sent another moneygram for XXXX to XXXX XXXX  rep. He wanted us to fax receipt to insure payment. We did. XXXX sent me another email saying they needed another XXXX for insurance into XXXX. I immediately emailed XXXX and XXXX XXXX and cancelled the transaction. i tried calling XXXX and XXXX XXXX customer service XXXX ( XXXX ) XXXX. No answer.phones disconnected. I called XXXX customer service they told me that do n't sell cars and I have been a victim of fraud
Consumer complaint received 2017-05-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (TX)

As part of the agreement betwee n Citibank and  the CFPB concerning their identitymonitor product I was issued a credit of {$170.00} to my card ending in  XXXX .  Citibank sent me a letter explaining why I am receiving the credit and the agreement with the CFPB. I requested a refund check for the credit amount which Citibank se nt to me, but when I deposited the check on  XXXX  it bounced! Very embarrassing. I was then charged a fee by my bank. I spoke t o a specialist at Citibank o n  XXXX  who promised to reinstate the credit funds of {$170.00} but up till today  XXXX  the credit has not been placed back on my account. It seems that  Citibank does not want to honor the CFPB agreement and wants to renege on the credit. I have called and spoken to customer service agents at citibank on three more occasions and they all promise to reinstate the credit but the credit is still not reinstated. It seems that Citibank may n ot be taking the CFPB seriously
Consumer complaint received 2017-06-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NV)

I had a  XXXX   XXXX   XXXX  credit card and used it twice for my own purchases and paid them off. Then a person I was living with stole my card and charged over {$500.00}. I tried contacting  XXXX   XXXX   XXXX  to dispute the charges but they said that they would not because there is no way that someone else used my card. I told them that I refuse to pay a debt that is not mine but they persisted and then after not receiving money for a year they sent it over to collections. I am just now finding out that I can dispute the claim.
Consumer complaint received 2017-06-05
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (TX)

I recently reviewed my bank statements,. I noticed that the Wells Fargo bank had been charging my accounts {$2.00} per non Wells Fargo ATM transactions plus an additional {$2.00} from the merchants ATM. Which resulted in a insufficient fund balance to my accounts. Since then the Bank has returned {$49.00} dollars and a additional {$90.00} dollars credit. The balance owed is {$390.00} dollars. The estimated amount was calculated from  XX/XX/XXXX  through  XX/XX/XXXX  ... .. On  XX/XX/XXXX  I returned to the bank to discuss the remaining balance with the branch manager located at the   XXXX   XXXX   location. The manager stated that there nothing else that he could do and that he did n't understand why the customer service return those additional funds. I explained to the manager that none of my paperwork stated additional funds would be withdrawn. I am seeking all of my funds be returned to my account immediately. Thank for your time account #  XXXX  routing number/ # account  XXXX / debit card  XXXX  Name on the account   XXXX   XXXX   XXXX
Consumer complaint received 2017-06-05
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Mercedes Benz Financial Services (DC)

I executed a lease transfer agreement with Mercedes-Benz Financial Services ( MBFS ), which finalized on   XXXX   XXXX   XXXX  . MBFS managed the process by which I took over ( assumed ) an existing lease.
<P/>
MBFS transfer requirements included advance payment of one month lease plus a transfer fee.
Both there payments were submitted, and were accepted and processed by MBFS. I have been making regular lease payments on the   XXXX   of each month beginning with the   XXXX   payment, and seeing a subsequent {$0.00} balance.
<P/>
Sometime following my payment on  XX/XX/XXXX  ( and showing a {$0.00} balance ), I received a call from MBFS collections department stating I was in arrears. ( The amount deemed late was equal to exactly 1 month payment plus the transfer fee amount of {$610.00} ). I called MBFS and was told that on @  XX/XX/XXXX  " someone '' had " removed '' those two payments from my account. The representative stated that he did n't know why and would start an inquiry and that I would be contacted in 2 business days.
<P/>
6 phone calls later by me trying to fix this, and incessant robo-calls from MBFS collections over two weeks, has me getting nowhere but very frustrated. On my last call of  XX/XX/XXXX , the reps were unable to connect me to a supervisor as I requested. I give up.
<P/>
The ground level employees answering the phone are cordial and seem genuinely interested in providing assistance, but it only results in my hearing about the limitations of one department and how it 's the responsibility of another department and enduring multiple transfers and long hold times, only to start over explaining the issue. I 've spoken with 3 or 4 departments all to no avail.
<P/>
This is disjointed and represents an unreasonable burden on a faithfully paying customer. I 'm sorely disappointed in MBFS and their lack of supervision and oversight.
<P/>
I 'm requesting assistance in having this matter resolved.
Consumer complaint received 2017-08-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL (NC)

XXXX XXXX, Issurer of Walmart Mastercard, continually shifts log in methods rendering it difficult to monitor the account. THIS IS A SECOND COMPLAINT ABOUT THE SAME ISSUE. Their online service will now not accept my passcode. Their online service offers two ways to reset passcode, by text or phone/voicemail. Their system would not accept by phone/voicemail, offering text only. I DO NOT TEXT. I HAVE ONLY A BASIC PHONE. I 'm going on XXXX years old. very few elderly text, so they are discriminating against the elderly. Then, in a telecom, XXXX manually sent me a 4 digit code to put in so that I could reset my passcode since XXXX 's system refused to accept my original passcode. That code was was repeated electronically over and over until I hung up, which was XXXX. Synchrony 's system refused to accept the code given, XXXX. I can not view my recent activity and I suspect XXXX and/or Walmart are hiding something or discriminating against me to the extent that I will just quit and pay whatever they say I owe. THAT 'S NOT GOING TO HAPPEN. AT THIS JUNCTURE, IT APPEARS TO ME THAT THEY ARE " CUTTING OFF THEIR NOSE TO SPITE THEIR FACE ''. So they want to play games, they came to the right place me being from XXXX, NY, and a staunch supporter of XXXX XXXX, hopefully one of our next Presidents. I am going to pay off the paltry balance and put a " FREEZE '' on the card. I have other sources to utilize so Synchrony wo n't even get the XXXX cent or so swipe fee. Walmart is a criminal enterprise anyway, having been convicted of criminal offenses, stated upon information and belief. Myself, no criminal record, no traffic record, no nothing.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.