davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-09
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (MI)

Synchrony bank card ( carecredit ) website is chronically unavailable. Usually it takes several tries to get logged in to pay bill, but today, I was continually rerouted to different screen. 
After 35 minutes of attempting unsuccessfully to log in, I called Synchrony, to make credit card payment over phone, giving operator the amount I wished to pay and debit card information. I told her that the online login, as typical, was down. She informed me that the website was fine - that there was no problem with website. 
As we talked, I checked my checking account, which stated that she had taken out a different amount than requested ( I gave her correct amount twice ). She then blamed me for her putting in the wrong amount because, when I called, I was " upset '' about the website and she was distracted because she was trying to " calm me down. '' She informed me that she would void the payment and put in the requested amount. However, I told her since the incorrect amount had already been removed from my checking account, I would wait until the voided payment was credited to make the corrected payment ( typically several days ). I told her this explicitly and my reason for not putting the correct amount through today. 
Directly contradicting my request, she went ahead and processed the correct amount so my checking account is now shows a double charge. Given the context of the conversation, I believe that the first debit she made was a genuine mistake but that she put the second XXXX through deliberately. It is true that I was very upset by the time I called Carecredit ( not profane, not personal, not threatening, but upset ) but I do not believe this justifies taking money out of my checking account without my permission. 
I am making this complaint ( 1 ) because the creditcare website is chronically malfunctioning ( 2 ) customers calling in payments after fiddling with website for 35 minutes should not be told to " calm down '' and that the website is fine ( supervisor later acknowledged that login on care credit is spotty XXXX users ) ( 3 ) the operator made a second charge to my debit card despite my direction NOT to make a second charge.
Consumer complaint received 2016-09-09
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: AMERICAN EXPRESS COMPANY (WI)

I made a purchase at amazon dot com and swiftly cancelled it no more than half an hour later. XXXX put a hold on my card for the purchase at {$160.00}. I received a cancellation confirmation from XXXX and a settlement verification code from them after complaining about the standing hold. I contacted American Express Serve on four different occasions in a 20 hour period. Each time I was told something different about the transaction leading to confusion and misguidance. I finally reached a supervisor and supplied her with the verification code from XXXX and she told me the funds MIGHT be released in 8-10 days. I need my money now for bills and food which is why cancelled the order in the first place. The extremely misleading service and the absurd wait time to access my funds is why I am filing this complaint.
Consumer complaint received 2016-09-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (IL)

have a mortgage at Ocwen, XXXX XXXX requested escrow analysis as taxes had decreased they sent XXXX, an overage check and new escrow payment was lowered, went to make mortgage payment today and my payment has increased by {$52.00} with no notification. my taxes are only {$1600.00} a year and they want to escrow {$200.00} a year for my taxes. was on phone with them for one hour. asked them why they never notified me of the change, said that somebody cancelled the escrow analysis XXXX. when I asked why they did not know. I was under the impression I was to be given 60 days notice prior to change in my mortgage payment and I was not. this all happened XXXX/XXXX/XXXX. my escrow balance is XXXX, my taxes are XXXX, by the time the collect XXXX monthly, they will have collected over XXXX, way more than needed. so again I had to request an escrow analysis today XXXX/XXXX/XXXX so they can see their error. I am complaining that they raised my mortgage payment without notification. also my loan had been in a chapter XXXX, that was discharged 2 years ago, several times I have asked them to correct their system, but nothing happens. when I asked today, they spoke to some body and told me that they knew it was discharged but they have never taken that status off my records. this hurts my credit. when I asked again when they were going to correct it, they did not know
Consumer complaint received 2017-08-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ONLINE Information Services, Inc. (NC)

Online Information services Service for years have been showing on my credit report that I owe two amounts owed for {$100.00} and {$160.00} since XX/XX/XXXXand both of these amounts have been paid in full and when I call on XX/XX/XXXX I was told by them that the doctors office had to call to have it removed but when I spoke to the Doctors office on the same day they said that the collection agency would have to call them, both parties are giving me the run around about removing this false information because the Doctors shows both amounts have been paid years ago and it is affecting my credit profile and credit score badly. This is the account numbers Online Information Services are showing XXXX and XXXX and they show unpaid but the Doctors office that reported said that have been paid. Please help me get this cleared
Consumer complaint received 2024-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX  and would like for all listed account to be blocked and deleted company information from TransUnion. 

Please delete the following accounts XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX BALANCED {$7200.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX BALANCED {$1800.00}
Consumer complaint received 2017-08-20
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: GreenSky, LLC (SC)

In early XX/XX/XXXX XXXX XXXX XXXX rang my door bell, said he was a sales representative for XXXX XXXX I became came interested after he asked me if I was a XXXX veteran. I 'm a XXXX % XXXX veteran, he told me that the V A would pay half of the cost. I gave him my personal information for XXXX XXXX. On XX/XX/XXXX XXXX returned to my house said XXXX XXXX moved to Florida that he had another company that can do the work.I told him that my wife and I changed our minds He tried to get me to sign a contract with XXXX XXXX I told him no, he told me that he had already ran my information thru Greensky and I 'm already approved. I told him I did not give permission to run my credit a second time. Later on that day XXXX emailed me the contract to XXXX XXXX, which I did not sign or return. On XX/XX/XXXX my wife and I went on vacation. While on vacation I get a email from Greensky congratulating me for my purchase and that they payed the contractor XXXX Dollars to do the work. I emailed back that I did not authorize that work or sign a contract to do any work, I returned home on the XXXX of XXXX to see the corresponding mail from Greensky. XXXX XXXX XXXX came back to my house on the XX/XX/XXXX with A contractor to try again to get me to sign the contract and insisted the contractor take measurements, I told him I will not sign, he left the contract with me said he will come back I told him again I will not sign that contract.I called Greensky to dispute the contract and the payout to the contractor they do not have my signature on any document or contract and if I supposed to have signed a contract on the XXXX of XXXX how was the account opened on the XXXX. Greensky final decision was the I signed the contract the contractor will pay back all the money except a restock fee of XXXX.and since I cancelled the contract I have to pay the restock fee. I told them I did not sign a contract I will not pay one Penney. XXXX XXXX XXXX
Consumer complaint received 2017-08-20
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (IL)

Dear CFPB I am formally filing this complaint against Moneygram against transaction # XXXX. I am from the United States and was visiting my extended family in XXXX XXXX. I did an online transaction so I could leave my parents with some money as a gift. I was flying out the very next day morning.. I received a verification call from Moneygram. I provided all the information they were looking for. They confirmed the transaction is approved. I later received a confirmation email that the money is ready for pick up.. At the pick up location they however told me the transaction is on hold.. I called Moneygram again and after frustrating 1.30 mins on the call and several disconnects I still did not get my money.. The service was outsourced to poorly connected third world country who were not at all audible or clear in their english. I was put on hold at least 10 times and disconnected several times. They finally cancelled the transaction citing the reason that why am I doing a money transfer when I am in XXXX and can give the money directly? Seriously? The money is in my bank in XXXX not in XXXX How else could I have given money except for a moneygram transfer. I am leaving without any gift to my parents and that means a lot in our culture.. Moreoever Moneygram has the audicity to hold my own money for 12 business days before refunding.. I want the strictest of legal action taken against Moneygram
Consumer complaint received 2017-08-28
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (NC)

I am XXXX years old with a number of health conditions. Any monies after paying my household expenses end up being used in medicines and doctor 's bills. Such as co-pay and other expenses not covered by my insurance. I called Navient today to try to find out is there is some kind of forbearance or extra time that could be given. The voice on the other side said unless I pay XXXX dollars, there is nothing to be done. I thanked him and hung up. I know there are other people with low incomes and loaded medical bills hindering them from paying right now. I would love to stay with my agreement for repayment but is just unable to do so as of now. I have XXXX and at times are unable to work. Please see if something can be done, because Navient is ruining my credit score. This makes it even harder to come up with monies to pay them. Ca n't get any loans based on the delinquent amounts they send to the reporting agencies. Thank you very much for anything that can be done. Navient keep sending me emails and letters saying they will be willing to work with me. Then when I call them, they refuse to help me. Wow! 

XXXX XXXX XXXX work number
Consumer complaint received 2017-08-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Capital One charged a False Cash Advance Charge for {$10.00} which was applied to the balance. The reason they claim this was charged was because a payment I made for a loan through a bank with a Credit Card, they 're claiming was a Cash Advance.
This is a fraudulent Fee Allocation because I simply used a Credit Card to pay a bill, not to receive cash or a cash loan. I have discussed this with a Credit Card Attorney, and they 're claiming that you can not allocate Cash Advance Fees for Transactions that took place where no Cash was received by the borrower. If the borrower is not absolving any cash, then such transaction is categorized as a Purchase. Furthermore, the Available Credit on the account appears to be demoted to {$0.00} even when there 's sufficient credit available above {$0.00} as a result of Pending and Posted transactions.
Speaking with some representatives at this company, I am shocked at how some of these people address borrowers. These people are extremely unprofessional and tend to deflect any responsibility for any wrongdoing. If this behavior continues, I will gather a group of members together to file a civil action lawsuit against Capital One for abuse of its authority and wrongful debt allocation. I am not alone in this situation, and luckily I know many people who have the same issues with Capital One.
Consumer complaint received 2017-08-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Credit Service, Inc. (TX)

I received a letter from Asset Recovery Associates ( ARA ), Inc.,  XXXX. XXXX XXXX, XXXX XXXX, Illinois XXXX, demanding payment of {$12000.00} for a debt I supposedly owe to XXXX XXXX XXXX, Account number XXXX. The letter did not provide any more information about the alleged debt. I have never done business with XXXX XXXX XXXX and I do not know anything about this debt. I absolutely, positively do not owe this debt. The letter is signed by XXXX XXXX and is dated XXXX XXXX XXXX and shows the ARA file number to be XXXX. The letter further states that if I do not respond to the letter within 30 days, ARA will assume the debt is valid. I 've done research on ARA online and found that they have a long history of credit collection abuse. ARA 's letter is obviously a scam to try to trick an unsuspecting recipient into paying debt they do not owe. I will follow up this complaint with a letter to XXXX XXXX of ARA denying I owe the debt. The letter will be sent certified, return receipt requested via the US Postal Service on Monday, XXXX XXXX XXXX. Here is the text of the letter : XXXX XXXX XXXX XXXX XXXX Asset Recovery Associates, Inc. ARA, Inc. XXXX XXXX XXXXXXXX, XXXX XXXX, Illinois XXXX RE : ARA Account File Number XXXX Sent Certified Mail, Return Receipt Requested Attached is a copy of the letter you sent me on XXXX XXXX XXXX, wherein you allege I owe XXXX XXXX XXXX and/or ARA {$12000.00}. I DO NOT, I REPEAT, I DO NOT OWE THIS DEBT! I have never done business with XXXX XXXX XXXX. Stop attempting to collect this debt from me. Note that I have filed a complaint against you with the Consumer Financial Protection Bureau. A copy of the text of that complaint is attached. Any further attempt to collect this debt will be a violation of the Texas Fair Debt Collection Statutes. If you, or any of your assigns, make any further attempt to contact me regarding this debt, I will pursue all legal an administrative remedies I may have against ARA, Inc., Asset Recovery Associates and you personally.
Consumer complaint received 2017-08-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied International Credit Corp., (US) (KS)

I sent a certified letter to Allied International Credit Corp in reference number to their debt ref number XXXX. The debt collector ( XXXX XXXX ) failed to validate the debt after 30 days. Debt collector is continuing to contact me and is in violation of the FDCRA. Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX
Consumer complaint received 2017-05-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP (IL)

I rented a car paid for with  my U.S. Bank Visa  card. The car had over  XXXX  miles on it and had a carbon monoxide leak unbeknownst to me. I became unconscous while driving due to the carbon monoxide poisoning and crashed into a telphone pole. I filed all papers in my possession and asked the rental car company for repair documents, etc, which were never in my possession. They iniitially said they would provide them but then ignored my ema ils. U.S. Bank refused to proess the claim because they said " I should have kept copies of the papers. '' I did keep copies of the papers in my possession, but obviously I could n't get copies of papers the rental agency refused to provide. U.S. Bank refuses to reimburse me
Consumer complaint received 2016-09-09
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (ME)

I closed my secured credit card account with BOFA on XXXX XXXX. I spoke with a representative who told me that processing time would take 14 days at which point the prepaid funds in that account would be deposited directly into my checking account. Apparently a physical check was issued to my address on file ( which was incorrect ). I was not contacted and told that a check would be issued instead of a direct deposit into my bank account. After 18 days of not receiving my money, I contacted secured credit services and spoke with another representative who informed me that they would have to put a stop payment on the check and reissue a request for the still owed funds to be deposited within another 14 days. I requested to speak with a supervisor and after a lengthy conversation he " expedited '' my request and told me it would instead be processed in 3-5 business days. 5 days comes and goes and I still have not received my money, so I contacted the bank for the third time and after hearing my problems a rep informs me that it will take another 10 days and that she was unsure why someone had misled me a second time. After asking to speak to a resolution manager I am told that it can take 5-7 business days to deposit the money owed and that she was also unsure why the expectation was set that I would receive owed funds in my account within the suggested time frame. Because I was not ever once contacted, I was unable to prepare for expenses ( as I was assured that the money that Bank of Amerca has been holding onto for over a month would be deposit within a timely manner ) and now am incurring late fees daily. I understand that there are processes in place for a reason, but those proccesses do not seem to be universal and change each time I speak with someone new. Had I known that this would be the case with BOFA, I would have already closed my bank remaining bank accounts as I can not trust that they will keep to their word and not hold onto my money for seemingly no reason. I have been loyal to BOFA since 2011 but am becoming increasingly frustrated as this has had a direct affect on my quality of life.
Consumer complaint received 2017-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

On XXXX XXXX, 2015 I sold my condo under a short sale with XXXX and XXXX XXXX XXXX. XXXX reported my sale incorrectly as a foreclosure. I 'm writing you hoping that you 're able to help me get this reported correctly. XXXX reported it as a short sale. XXXX and experian are reporting foreclosure and XXXX is reporting short sale XXXX XXXX
Consumer complaint received 2017-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am trying to rebuild my credit and it seems nothing is ever removed or corrected with the  XXXX  credit reporting agencies I reach a score then I receive a notice that my  credit score  has dropped  XXXX  points or  XXXX  and have the sam e collectors  just year after year still appearing on my report I am a veteran and have a  veterans home loan but  I can never seem to reach the  credit score to obtain a loan it 's been 15 to 18 ye ars that these debts have been on my report
Consumer complaint received 2017-08-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Pendrick Capital Partners Holding, LLC (LA)

I recently saw on my credit report that I owe Pendrick Capital Partners LLC {$1200.00} for medical bills. However I received a letter from XXXX XXXX XXXX XXXX on XX/XX/XXXX saying I owe {$1200.00} to Pendick Capital Partners LLC. I did an investigation and found out that the original creditor is XXXX XXXX XXXX XXXX which is Located in XXXX XXXX, Louisiana. The letter also states that the date I use the facility was XX/XX/XXXX. I have n't been to that facility and I had a full coverage insurance because of my XXXX that 's from XXXX. Also to add I was receiving calls from one of those company and I did explain to them that I did n't owe any money to them and if I do they should send it to my insurance company but they wanted me to do a payment plan and pay out of pocket.
Consumer complaint received 2017-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AZ)

In XXXX of this year USAA Bank corrected some of thier mistakes on my credit report however due to them reporting the repossessed car 90 days late 44 times per a current report my score continues to be affected. I am obtaining reports from several banks that have run my credit, overcharged interest, or denied a loan due to this mistake.. In light of recent events I am requesting that this mistake be corrected as well. I am also demanding that USAA refinance the truck loan that was taken in XXXX of this year at a very high interest rate due to thier mistake.. I am also demanding that USAA REFINANCE my home that has now been denied due to thier erroneous mistake following the dispute that was made by me last XXXX. As they responded in my earlier complaint they admitted to wrongly reporting information that the car was still unpaid. Until USAA corrects the reporting my score will continue to be grossly miscalculated. I have met with an attorney here in AZ and he did suggest this contact one more time to see if we can resolve this matter without legal action. I am tired of this problem that I did nothing to create. The refinance amount that I was approved for latest year before USAA falsely reported this account was XXXX. This was to be a cash out refinance to pay off student loans and complete the remodeling of our home. Since this is USAA 's mistake they should have to fix the problem this is the only way that I will accept closure of this issue. Failure to resolve this in a timely manor will result in further legal action and unnecessary court fees to USAA. THEY CLAIM TO TAKE CARE OF VETERANS AND THIER FAMILIES FOR LIFE YET THEY HAVE DONE NOTHING BUT XXXX UP MY CREDIT FOR THE LAST 2 AND A HALF YEARS.