davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-01-28
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (DC)

I contacted my bank, USAA Federal Savings Bank, on or about XXXX XXXX, 2015, and asked how to obtain copies of checks that were deposited in my checking account over two years because they were not online. I asked the USAA representative if there would be a fee associated with the research. The USAA representative initially said it would cost {$5.00}, but said he would check with his supervisor. When he came back on phone, he said that there was no cost associated with getting the deposits. I told him that I wanted to go ahead and order the the information and hung up the phone. When I went online to check my checking account yesterday, I noticed that USAA deducted about {$160.00} from my checking account. When I called USAA to complain that the USAA representative told me that there was no fee and I had not authorized the fee, they refused to give me the {$160.00} back. They said that I agreed to pay for photocopies in the fine print of my checking agreement. I told them that the USAA representative told me that there was no fee, and I did not authorize them to charge me {$160.00}. Furthermore, I have not received any photocopies. I should not have to pay this {$160.00} fee since I was told that there was no fee to get online copies of my deposits ; I did not authorize the fee ; and I never actually received any photocopies of my deposits.
Consumer complaint received 2016-01-08
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I opened an saving account with Capital 360 online. In the bank 's advisement, it says there will be {$100.00} bonus if I deposit new money {$10000.00} for 3 Months. I deposited {$10000.00} on XXXX XXXX 2015, but did n't see the bonus right now. I would like band give me the {$100.00} bonus with promised in advertisement. 
Thanks, XXXX XXXX
Consumer complaint received 2016-01-28
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: SYNCHRONY FINANCIAL (TX)

Charges were placed on my Care Credit Card by XXXX and XXXX XXXX that had not been sent to the insurance companies provided to them for the dental work done. New Office Manager is trying to clean up the mess left by the old office manager and Care Credit Synchrony Bank will not work with that office or myself on getting this card out of collections and off my credit bureau reports. I am trying to refi my house dropping my interest from 8.5 % to 4.0 % and this is blocking the whole process. Any advice or help would be appreciated. We have offered to make payment to bring the card out of collections but the bank will not listen. The cease and desist letter with attached documents will explain everything. If you have any more questions call me XXXX. Thank you.
Consumer complaint received 2016-02-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Pinnacle Credit Services, LLC (LA)

RE : CREDIT COMPLAINT LETTER To Whom It May Concern : I am writing to file a complaint against Pinnacle Credit Services. 

Pinnacle Credit Services has failed to respond to any of my dispute or debt validation letters. I have contacted them numerous times ; they are never able to provide me with any info concerning my account. I have also contacted XXXX XXXX, the Chief Operator at ( XXXX ) XXXX. XXXX XXXX never answers, also does n't respond to voicemails, most of the time his mailbox is full. My most recent debt validation attempt was on XXXX XXXX ( sent via third party agency XXXX ). As of today XXXX XXXX they have failed to respond. When contacting Pinnacle, I am always transferred to a third party agency ( XXXX XXXX XXXX XXXX XXXX ), and never acknowledged directly by them, they are very rude, and always transfer me before I can even inquire about my account. 

Over the past several months, I have tried to resolve this issue, but to no avail. Enclosed is documentation regarding my dealings with Pinnacle Credit Services to date. 

I am requesting your assistance in putting an end to this matter. If you have any questions or need additional information, please contact me at the address listed below. 

Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX
Consumer complaint received 2016-02-15
Product: Credit card — 
Issue: Other fee — 
Company: SYNCHRONY FINANCIAL (NM)

Amazon offered a store card issued by Synchronycredit.com, which I signed up for. 
During an Amazon checkout, I was offered a " deffered interest '' promotion using the Synchronycredit.com card on an item that cost {$160.00}. The terms were that if you paid the balance by the end of the promotion you would be charged no interest. I called Synchronycredit to confirm that payments made in the meantime would go toward interest-bearing purchases first. They confirmed this. I then received a bill showing that I was charged interest, which was then rounded up to a " minimum interest fee. '' I called Synchrony and was told that my payment was " split '' between deferred and non-deferred balances, and that in the " first two months '' that would happen. I went to the website and found the card terms that explicitly state my payments should go toward the non-deferred items first, and that this would only change in the *last two* months of the deferred balance period. Synchrony agreed to reverse the interest charges, but they never fully explained why this happened. If they did this to me, they are probably doing it to other customers ; and if they did this to me once, I ca n't trust they wo n't do it again. If I cancel the card, it looks bad on my credit to have a briefly opened account. I feel stuck with a company that is behaving fraudulently right off the bat. They are scamming people out of " minimum interest '' fees when those fees should not be charged according to language in their own card terms. Here is their exact language regarding this ( my promotional balance expires in XXXX, so we 're nowhere near the last two months ) : Payment received in excess of minimum payment amount due will be applied to non-promotional balances before deferred interest promotional balances except in the last two months of a deferred interest promotion. In the last two months of a deferred interest promotion, the payment amount in excess of the minimum payment due will be applied to the deferred interest promotion ( s ) that are in the month of expiration and/or the month prior to expiration.
Consumer complaint received 2015-07-15
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (NJ)

On XX/XX/XXXX, I went to XXXX, located at XXXX XXXX XXXX, XXXX, NJ, and purchased a XX/XX/XXXX XXXX XXXX. On this day I gave XXXX XXXX " XXXX '' XXXX a personal check in the amount of {$2300.00}. On XX/XX/XXXX, I was contacted by XXXX XXXX XXXX XXXX and was advised that I had to return to the dealership and resign the documents, which I did. I noticed that the documents ( Bill of Sale ) I signed were under the name of XXXX Auto Sales. XXXX XXXX stated he and XXXX XXXX were partners and that as soon as they receive payment of the remainder of the money, I should get my permanent plates and registration and that the original title would be forwarded to the lien holder or given to me, depending on how payment is made. On XX/XX/XXXX, I went back to the dealership and gave XXXX XXXX and XXXX XXXX a cashier 's check in the amount of {$23000.00}. On this date I was advised that I should receive all documentations and permanent plates within two to three weeks. This was not the case. I called and texted XXXX XXXX and XXXX XXXX, on many occasions and requested the documentation and plates or my money back, plus interest, to no avail. 
On XX/XX/XXXX, I made a complaint with the New Jersey Department of Motor Vehicle, Investigations Department, which is being investigated by Investigator XXXX. On XX/XX/XXXX, I went to the XXXX Police Department to file criminal charges against the Dealerships ( XXXX and XXXX Auto Sales ), XXXX XXXX and XXXX XXXX. On or about XXXX, I met with Detective XXXX of the XXXX Police Department and filed a Theft by Deception charge against XXXX XXXX " XXXX '' XXXX ( XXXX ) and XXXX XXXX XXXX ( XXXX Auto Sales ). 
On Saturday, XX/XX/XXXX, my vehicle was repossessed by Ally Bank, who is the previous owner lienholder. 
On Monday, XX/XX/XXXX, I called Ally Bank and spoke with XXXX. I provided her with copy of the Bill of Sale and the checks. I received a return call from XXXX XXXX ( sp ) and was advised that they could not release the vehicle as they ( Ally Bank ) have not been paid. She also advised that the vehicle will be put to auction within 15 days from the repossession date. I tried working with Ally Bank to see if I can get the vehicle back as I need to get back and forth to work. She 's stated that she was sorry, but to there 's not much she could do.
Consumer complaint received 2015-12-23
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (MA)

The Law is the Law! Statue of Limitations law and laws for violating peoples rights are listed below. 

MGL Chapter 265 Section 37 MGL Chapter 260 Section 2. Actions of contract, other than those to recover for personal injuries, founded upon contracts or liabilities, express or implied, except actions limited by section one or actions upon judgments or decrees of courts of record of the United States or of this or of any other state of the United States, shall, except as otherwise provided, be commenced only within six years next after the cause of action accrues.
Consumer complaint received 2016-01-29
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I wrote a dispute letter to TransUnion on XXXX XXXX, XXXX notifying them that they were reporting inaccurate credit information on my report. This letter went unanswered. Therefore, I wrote another letter on XXXX XXXX, XXXX to notify the credit bureau that my previous request for investigation had gone unanswered. As a courtesy I included a copy of my first letter as proof. I requested the item be removed as a proper investigation had not been conducted nor a timely response within 30 days as outlined in the FCRA sent to me. The FCRA states that if a credit bureau fails to conduct a reasonable investigation or respond to a request for investigation of a negative item, then they must remove the item from the consumer 's file. It is now XXXX of XXXX and no resolution of this issue has been made by TransUnion. The credit bureau, TransUnion, is in violation of the FCRA and should give this matter the immediate attention it deserves. This item should be removed from my credit file immediately.
Consumer complaint received 2015-11-08
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

Getting constant phone calls for the wrong person. Caller ID shows different phone numbers they are calling from and they do not leave a message. I called the number back to find out who they were and what they wanted. This is how I found out it was a Debt Collector. The person they are looking for does have my first name but the last name/last XXXX digits of the social security number are not mine. I told them they have the wrong person and to stop calling me. The calls are still coming in I answered 2 today and told them again they have wrong person to stop calling me and remove my phone number from their list. This time I said I would report them for harassment.
Consumer complaint received 2015-06-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (GA)

I have an account that was a recent balance change date it has always been {$0.00} as of XX/XX/XXXX. IT has now been changed to {$0.00} as of XX/XX/XXXX. This change goes along with my discharge date of XX/XX/XXXX as to what Experian has told me. But what they cant understand that this has made me take a big hit on credit score as that it makes the account look as if it was just {$0.00} as of XX/XX/XXXX. This account has always been {$0.00} ever since XX/XX/XXXX since I filed bankruptcy as to the original company XXXX XXXX sold the account and never filed a claim it was XXXX out. I can understand under Status it showing discharged as of XX/XX/XXXX but not a change of date under Recent Balance. FOR this change has made the account look as if I owed a balance before XX/XX/XXXX and looks as if I owed money that I did n't owe, Experian refuses to change the date back or delete account.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

I am writing to convey my deep frustration, anger, and disbelief regarding your handling of the fraudulent accounts that have appeared on my credit report. Despite my numerous efforts to resolve this matter and my thorough submission of all necessary documentation, including the FTC Identity Theft Report, these fraudulent accounts remain unresolved, and my credit report continues to display inaccuracies that are severely affecting my financial standing and peace of mind. 
I brought these fraudulent accounts to your attention with the understanding that an investigation would be conducted and that the accounts would be removed if found to be fraudulent. Since then, I have sent multiple letters and provided all required documents, including : A detailed explanation of the fraudulent accounts. 
The completed FTC Identity Theft Report. 
Copies of my identification documents. 
Any additional information requested by your office. 

Despite my compliance and the clear evidence I have presented, I am deeply frustrated that my efforts have been in vain. The accounts in question remain on my credit report, and I have not received a satisfactory resolution or clear communication regarding the status of your investigation. 

It is extremely disappointing to experience such neglect and lack of responsiveness from an institution that plays a critical role in protecting consumer financial information. The continued presence of these fraudulent accounts is not only unjust but also a significant violation of my rights as a consumer. I expect prompt and decisive action to rectify this situation. 

XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX.
Consumer complaint received 2016-01-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (NY)

I have been in contact with Ditech Financial since XXXX trying to receive my escrow refund check. I keep receiving the runaround, we are researching the issue, we`ll resend the check but it has been going on for XXXX months and I have NOT received my Escrow Analysis nor my check.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (ME)

Ive been trying to communicate my concerns regarding the inaccuracies on my credit report for months now but to no avail, this is an issue that I want to be addressed and this complaint is obviously not a mistake or sent in error. These are challenging times and the circumstances are not in my favor, the burdens keep piling up which continuously impacts my life negatively, having these inaccuracies corrected or removed from my credit report will be immensely helpful.
Consumer complaint received 2015-07-15
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (FL)

Green Tree Servicing added an escrow account right after they bought the mortgage from XXXX in XXXX XXXX without any right or notice. Mortgage was originated in XXXX XXXX by XXXX with P+I only. Taxes and Insurance were always paid on time by borrowers. The amount was almost XXXX that we always paid. We called several times through out XXXX months periods and sent certified letters. We never received a response. We sent more than XXXX thousand ( {$5000.00} ) extra, but the statements never reflected it. As of today there still misapply funds to our account. At one point we decided stop sending payments due to the mismanagenmet, misrepresentation, contract violation, etc. Green Tree started making nasty calls including at place of work several times. They promised a loan modification that never happened after we paid XXXX months trial by XX/XX/XXXX. Right after they filed for foreclosure. We responded to XXXX XXXX County, Florida court house in time every time. We showed up at the hearing XX/XX/XXXX when the judge ordered having a Conciliation conference call which we had and Green Tree and his lawyer confirmed having all paper work and promised to send a modification which never happened. We provided enough proof to the court house and Green Tree of the mess had created. I hope this will help in the process of so many victims of Green Tree and CFPB along with other government entities to settle a case against Green Tree. Green Tree should NOT have a license to operate.
Consumer complaint received 2015-09-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (FL)

Hello. In assisting a client with loss mitigation procedure, Ditech ( formerly Greentree ) servicing is refusing to acknowledge a recorded quit claim and letter of explanation and is demanding that the client get divorced. The divorce is an issue because the wife does not want to share her retirement savings. She has left the property and signed a quit claim. Her income no longer is utilized for the purpose of household debt. I believe this is an extravagant request considering that XXXX XXXX is attempting to get his affairs back in order after the breakdown of his marriage. I thank you for your time and attention to this matter.
Consumer complaint received 2015-12-24
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (FL)

XX/XX/2015 my card was stolen. Charges were flagged as fraudulent by a representative in the fraud department. I assumed all was resolved and I received a new card. I used the new card until being called again by the fraud department. At this point I cancelled that card and a XXXX card was issued. XXXX stolen cards show {$0.00} balances when viewed online. So I assumed the fraud was handled. I attempted to add in the new credit card to my online account to no avail and never recieved a statement. I called a half dozen times where I was rerouted to XXXX customer service and no one could access the account of give me any details relating to what was owed etc. On XX/XX/XXXX I finally reached someone who advised me that the fraud has not been removed? It is on the new XXXX card and that the payment is past due even-though I am on auto pay. I am being told that it was reported as late. They will not send a statement since the account is flagged for fraud? Please help.
Consumer complaint received 2015-11-10
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: SELECT PORTFOLIO SERVICING, INC. (MO)

My mortgage was put in to C or lower paper when I had better credit. Since that time, the mortgage was sold and is being serviced by a handling company- Select Portfolio Services Inc . I have made numerous attempts to move to a HARP loan based on the value of my property vs. the current market value. These attempts have been thwarted, as we can not determine who actually holds the loan. This is very frustrating as I qualify for a much lower interest rate over what the current loan is charging.
Consumer complaint received 2015-11-10
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: ZENCO COLLECTION, LLC (GA)

Received a call from Tx stating I owed on XXXX vehicles that has my license number attached ( Florida license ) which I have never lived in Florida or have a Florida license. Stating they have sent me letters to last address and current address which we have not received. Said I bought a vehicle in 2005 and was repossed by household bank. I have never had a vehicle repossessed nor have I ever heard of XXXX bank. They are saying there is an affidavit in my county and they will garnishee my wages. I am scared to death. They have the last XXXX of my Ssn.
Consumer complaint received 2015-11-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: I.Q. DATA INTERNATIONAL, INC. (TX)

This is for an apartment that I leased for 1 year. I gave my notice to move out on XXXX/XXXX/2013. The lease required a 60-day notice which meant my move-out date would be XXXX/XXXX/2013. I moved out on XXXX/XXXX/2013 but paid for rent owed through XX/XX/2013. I paid all amounts due and met the terms of the lease agreement but was told I broke my lease. I did not break my lease. I did move out early, but all rent amounts due were paid in full. I called and spoke with the manager, XXXX, in XX/XX/2013 and she agreed the account had been paid and would take care of it. She did not.
Consumer complaint received 2015-07-16
Product: Debt collection — Credit card
Issue: Communication tactics — Called after sent written cease of comm
Company: LTD Financial Services, L.P. (CA)

I ask XXXX XXXX XXXX to stop calling our home, I told her this would wake up my wife, I told her not to call anymore, and if she can mail any letters instead, she said the calls will continue until the bill is paid off, I said is n't that against the law, she said as long as you owe money, calls will continue. this is not my account it is my wifes, I told her I am recording this phone call she said o'k
Consumer complaint received 2016-03-18
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Paypal Holdings, Inc (FL)

My name is XXXX XXXX. A few years ago PayPal opened a credit account under my name without authorization, at some point a purchased was pushed to that account. At the time I was unaware of this until PayPal insisted I make a payment on the account or risk my credit report ranking. After some wrangling back and forth I paid the dept and PayPal assured me they would close the account and would ensure it would not happen again. A few weeks ago I got another demand letter from PayPal with regards to yet another " open case '' regarding my PayPal credit account, demanding payment and notifying me they have been reporting the delinquency to the credit agencies. I am refusing to make payments- this account was never authorized by me and I did not want a credit account. My credit is steller and I am virtually debt free- I dont need credit from PayPal and this cycle has to end. What can I do here? Seems nothing I do will stop them from opening unauthorized accounts and feel there is no way to punish PayPal for doing this other than to pay a lawyer out of my pocket to formally get them to stop- however dont believe the financial burden should be placed on a consumer who never authorized an account to be opened in the first place. Please advise ... I 'm sick of this company getting away with things like this.