davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Modlin Slinsky, P.A. (FL)

I am a XXXX veteran who opened a business as an XXXX in XXXX. In XX/XX/XXXX, a card from XXXX XXXX was opened in my business name. I was aware that an offer was being made to open up an account with them, however, the partners never agreed to move forward in doing so. In XX/XX/XXXX I noticed that several purchases was made through XXXX XXXX. 

I was informed that this account was opened in my name via over the phone. I terminated all cards that came with the agreement and called XXXX XXXX to informed them to send me a copies of a signature to see who authorized the account. I never received any confirmation from them with such documents. 

I never received any statements after XXXX because we moved the business and changed our mail box account. My name was taken off of the business in XXXX because of my weakened health conditions of my XXXX. Received complaint in the mail on XXXX XXXX. Need to respond to amended complaint in next 20 days. We do not agree to the amount that is owed ( {$7000.00} ). We will be responsible for {$2500.00} at the most. What can I do since I ca n't represent myself in this matter. I have no funds to contribute to this because I have utilized everything I save up to start up my business. I filed a motion to dismiss for lack of standing and supporting memorandum in which it was denied on XXXX XXXX, XXXX counts 1 & 2 was dismissed but the judge is holding me on counts 3 & 4 which includes the account stated documents.
Consumer complaint received 2017-08-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

I got a promotional flyer with a new address packet that promoted a {$150.00} Balance Builder Bonus when opening a new One Deposit Checking Account. I went into this local branch and talked to XXXX XXXX about it on XXXX XXXX, 2017 and signed up for this checking account. XXXX went over the qualifications for this including him saying a {$500.00} deposit needed to be made within 60 days of the account opening, among other stipulations. I made the {$500.00} deposit that day, although the bank broke it up into 2 different deposits for some reason. The account was opened for the 90 days as stipulated, and I made a monthly deposit as required. I did not see the deposit so I called their customer service dept and was told it had to be a direct deposit of {$500.00} from an employer or other pay source. I stopped into the office and XXXX said that he would make sure I received the bonus, even if he gave me incorrect information because that was his fault, and to let him know if I do n't receive the bonus by the end of XXXX. I did not receive the bonus and emailed XXXX and on XXXX XXXX, 2017 he received notice the bonus was not triggered and he escalated the issue to a higher realm. I received a call on XXXX XXXX, 2017 from a the Resolution Department with Citizens. The woman 's name was XXXX ( spelling? ). She took the information and said she would contact the marketing department and get back to me. She called me back that same afternoon and said because I did not have a direct deposit from an employer I did not qualify for the promotion. I argued that I was told something different and she just kept repeating " You do not qualify for this promotion ''. I called XXXX XXXX at the local branch office and told him what I was told and he said he would send a problem ticket to another chairman and let them know of the situation. I have not heard anything from anyone since.
Consumer complaint received 2017-08-01
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: CarMax, Inc. (FL)

I am requesting assistance in removing a negative tradeline from my three major credit bureau reports from Carmax Auto Finance. In XX/XX/XXXX I was a cosigner on a vehicle purchased by my then wife. We separated in XX/XX/XXXX and she was awarded the vehicle in the settlement. I retained no ownership and no longer had access to the vehicle or any accounts related to it. In XX/XX/XXXX I attempted to purchase my own vehicle only to be denied and to learn that the reason was because the Carmax loan had been paid 30-60 days late many times over the last few years and was currently 30 days late as well. Upon learning this, I contacted Carmax and discovered that I had never been removed from the account after the settlement awarding the vehicle to my wife. I requested to be removed, but they stated that they could n't do that while the account was still open. I immediately paid off the loan myself in order to resolve the issue. Once it was closed, I again requested to be removed, but was then told that it was not possible as the account was already closed. I then requested that the negative tradeline be removed from my reports as I was not the owner of vehicle, nor was I ever made aware that the payments were n't being made on time. Carmax stated that it is not their policy to remove items from credit reports. I have made this request several times, as recently as XX/XX/XXXX as the negative reporting continues to cripple my own credit even though I do not own the vehicle. I am submitting this complaint under the Fair Credit Reporting Act which requires that before any negative items are placed on a consumer credit report, the creditor must notify the consumer. I never received any phone calls or letters or any correspondence from CarMax regarding this account. I was never informed that it was late, nor that any negative items would be put on my report. Carmax states that they sent correspondence to the primary account owner as is their policy. I am not the primary account holder, so no correspondence was sent to me. All I am asking is for the tradeline to be removed from my credit reports. The FCRA does not require tradelines be reported so removal is certainly allowable and very common. The purpose of accurate credit reporting is so that a true representation of a consumor 's credit worthiness is available to potential creditors. This tradeline is not a fair representation of my creditworthiness as the account is not mine, and I was never made aware of issues or given an opportunity to prevent delinquency.
Consumer complaint received 2016-08-01
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: First National Collection Bureau, Inc. (MO)

I received a notice from First National Collection Bureau , Inc stating I owed {$11000.00} for a non-existent loan. 
Current Creditor : XXXX XXXX XXXX, XXXX Original account # : XXXX
Consumer complaint received 2016-08-01
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc. (MS)

XXXX of XXXX, XXXX sold me a car and after 6 weeks, the car had trouble. So, I took the car back, and XXXX gave me a loaner car. I explained to them that I could only afford a certain note amount. XXXX allowed me to keep the loaner car, but the car note doubled. Now Santander Consumer contacts me up to 7 times a day if I 'm late by a couple of weeks. Sometimes they even call me early in the morning waking me up and late at night.
Consumer complaint received 2016-08-01
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: Paypal Holdings, Inc (CA)

RE : Case ID # XXXX My name is XXXX XXXX, and I have had an account with Ebay and Paypal in excellent standing since early XXXX. On XXXX/XXXX/XXXX I received an email from Paypal stating the following : Hello XXXX XXXX, We have recently reviewed your PayPal account activity, and determined that you are in violation of PayPal 's Acceptable Use Policy regarding your sales / offers of jerseys on eBay, user ID : XXXX. 

As a result, your account has been permanently limited and this can not be appealed. 
So they suspended my account with {$10000.00}. They added in their email the funds will be frozen for 6 months. 
My Ebay account is still active and with 99 % excellent feedback, no open complaints, no chargeback 's, no returns. I still do not understand why Paypal chooses to close my account while Ebay chooses to keep it active. This is very incongruent. 
I have pleaded with XXXX different customer Service Reps to please review my case, since I have no problems with Ebay or vise versa. I keep getting copy and paste standard replies. 
I kept my funds from sales on Ebay with Paypal because Ebay automatically withdraws their monthly invoice fees from there. I also retrieve money from " My Wallet '' to pay for replenishing my goods and other business expenses, as well as living expenses. 
If I do not have access to my funds for 1 month I will have no way to take care of Payables and Expenses. 
If they want to suspend my account, I can live with that decision, however I can not support myself if they take and freeze my funds for 6 months for no proven reason. 
Please Help!
Consumer complaint received 2015-08-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Eastern Account Systems of Connecticut, Inc. (FL)

I want to hereby denounce Eastern Account System Inc. for continuing to violate the FDCPA and Experian for continuing to violate the FCRA. 

Eastern Account System Inc. 

On XXXX XXXX, 2015 I wrote to Eastern Account System to dispute the account being reported by them on my XXXX credit report, and I requested DEBT VALIDATION under FDCPA Section 809 - Validation of debts [ 15 USC 1692g ]. ( Letter enclosed ) Eastern Account System responded by sending a copy of a computer statement printout. ( Answer and computer printout enclosed ) A computer statement is not a Validation of Debt, and once again I demanded that the collection agency obtain verification of the debt. 

Eastern Account System responded with the exact same computer statement printout. ( Answer and computer printout enclosed ).
Consumer complaint received 2016-08-01
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: U.S. BANCORP (OH)

I contacted US Bank for a $ XXXX investment property loan with a down payment of 25 % and more was available if needed. I originally spoke with, XXXX XXXX ( Originator ) and once XXXX received taxed returns and a credit, he spoke with his supervisor and ran it through their system and approved the loan. The whole time he did not disclose the terms of the loan ( interest rate, apr, general basics of the loan ) I had to extract this information out of him piece by piece, but only after he said that he would provide this information once he received a purchase agreement, and when he did give information I had to make sure to follow up with additional questions, as he was not forthcoming and transparent with the information that was eventually extracted. When the information was finally given, the credit report was pulled, tax returns were submitted and the loan was ran through the system and approved by the system as well as the supervisor. The week ended with him saying on a Friday that he was going to get started on the closing paperwork since the system approved it. The loan was then sent over to XXXX XXXX ( Loan Processor ) she proceeded to tell me the following week that the loan was not approved. I asked " why ''. She stated the income was not there, which being self employed and the deductions that were taken was said by XXXX that they were able to calculate some of that income back in, hence the approval by the supervisor and system at 25 % down. I asked by who and she stated " us ''. I asked her " who is us, was it the underwriter? ". She replied " no, me ''. I proceeded to tell her that something did not seem right, that she is acting as the underwriter without the underwriter ever seeing it. In addition, the loan was already ran through the system and approved, both manually by a supervisor and the system itself, this should be sent to the underwriter. Meanwhile, all this has taken three weeks just to get to this point, I submitted everything to them immediately, it has been three weeks of waiting on them, not getting any/or clear answers on anything including basic disclosures.
Consumer complaint received 2016-08-01
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

I had a vehicle reposessed and immediately paid the outstanding amount. I was n't even aware that I was behind on my payments since they were set to " auto pay ''. To add to the problem I moved during that time and my mail did not get to me. It continues to be reported as a suit or judgement to all XXXX credit agencies and is demolishing my credit rating, as well as my ability to qualify for various jobs.
Consumer complaint received 2016-08-01
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: Synovus Bank (FL)

I have contacted First Progress Card as well as XXXX to advise them that i am a Identity theft Victim and that this account does not belong to me. However, First progress insists on verifying this account Electronically to XXXX when i dispute it. I have requested that they validate this debt ( Not simply Name. address, DOB ) and have received no response. I forwarded a copy of the FTC Affidavit as well as the Police report to them and still nothing has happened. I 'm being told that " its still with an investigator '' by First progress and XXXX is saying that its been verified. Police Report # XXXX / FTC # XXXX
Consumer complaint received 2016-08-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have multiple hard pull inquiries well within the allotted 15 days. Multiple inquiries within 15 days of each other are to be treated as only XXXX inquiry [ for home mortgages and auto loans ] My inquiries were to get pre-approved for a home mortgage. XXXX and XXXX XXXX both pulled an hard inquiry on XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX inquiries on the same day. 
Also XXXX pulled a hard inquiry on XXXX XXXX, XXXX and also on XXXX XXXX, XXXX. Only one day later. XXXX XXXX XXXX XXXX inquiries in two days. 
I want XXXX of these XXXX inquiries deleted, as per the credit bureau 's own rules. 

Also I want it known that I did not authorize The Pre-Check company to pull a hard inquiry on XXXX XXXX, XXXX.
Consumer complaint received 2016-08-01
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (CA)

I signed up for a American Express XXXX card in early XXXX with an offer of XXXX membership reward points after spending {$3000.00} dollars within 3 months. I met this minimum spend on XXXX XXXX which was confirmed by multiple customer service reps. I was told that according to the terms and conditions, I would have the points available by XXXX XXXX ( after 8 weeks ). I attempted to transfer the points on XXXX XXXX and received an error code. I called Amex customer service who could not figure out what the error is. They said to try again on Monday, XXXX XXXX. I attempted to transfer points to an airline partner and again received an error code. I called customer service who also were not able to transfer the points. They transferred me to a membership rewards specialist who told me there was a hold on my points for XXXX8 weeks which should have cleared by today. The customer service rep looked into it and did not have a reason for why my points were unavailable. He recommended waiting another couple weeks, to check back XXXX XXXX. I expressed my frustration that I had met the spend, waited the entire 8 weeks, and still could not use my points. The representative apologized but stated there was nothing to be done but keep checking back every week.
Consumer complaint received 2017-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

I was shocked when I reviewed my credit report and found multiple hard credit inquiries on my report that I did not recognize nor authorized. 

Inquiry : XXXX I never authorized XXXX to pull my credit in the month of XXXX 2017. I am not sure how this improper use of my credit happened. I always believed my credit was safe from this type of abuse. My only thought is that these are fraudulent inquiries.
Consumer complaint received 2017-08-01
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Onity Group Inc. (CA)

On or about XX/XX/XXXX, I received in the U.S. mail a one page letter from " XXXX '' credit reporting company in XXXX, Georgia. That even with my final Divorce Court Order decree dated around XX/XX/XXXX, California Family Law Court Case number XXXX XXXX awarding 100 % of my former Single Family Residence to my now Ex-wife effective the date of the signed Court Order. " XXXX '' refused to lawfully " Delete '' the subsequent " Foreclosure '' negative entry off of my " XXXX '' credit report after my now Ex-wife stopped paying HER mortgage sometime in XX/XX/XXXX. " XXXX '' told me to contact the former mortgage lender named " Ocwen Loan Servicing, LLC '' out of XXXX XXXX XXXX, Florida. And I did so in writing. On or about XX/XX/XXXX, I received a two page letter from " Ocwen Loan Servicing, LLC, '' dated " XX/XX/XXXX. '' " Ocwen '' instructed me that in order to get a " Legal Binding Release '' form to remove the negative " Foreclosure '' entry off of my " XXXX '' credit report that I had to contact their 3rd party " Real Estate Owned ( REO ) '' private contractor by the name of " XXXX XXXX XXXX, XXXX '' out of XXXX, Georgia, which is a publically traded company on XXXX as listed : " XXXX '' ( which is now trading at about {$27.00} per share as of this writing ). And I also did so in writing. On XXXX XXXX-Tuesday-XXXX, I faxed and then mailed a 5 page letter to : '' XXXX '' via regular U.S. mail postage. For nearly 3 weeks I heard nothing back from " XXXX. '' So this time I mailed out a 2nd copy to them via the U.S. Postal Service 's " Certify Mail, Return Receipt Requested '' service on XXXX XXXX-Friday-XXXX. " XXXX '' signed for my letter around 4 calendar days later but still did NOT respond to it. So I called them on their company 's toll free number on XX/XX/XXXX and they said that they HAD mailed out a written response. Then on XXXX XXXX-Monday-XXXX I received a two page written response dated " XX/XX/XXXX '' NOT from " XXXX '' but from " Ocwen. '' In short, they unlawfully " Denied '' my lawful request for a " Legal Binding Release '' form. that I was promised by " Ocwen '' in their original two page letter to me dated " XX/XX/XXXX. '' I OBEYED the XX/XX/XXXX California Family Law COURT ORDER, " Ocwen '' and/or " XXXX '' et al. still have NOT.
Consumer complaint received 2017-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MO)

X/XX/2017 X/XX/2017 I 've contacted all 3 credit agencies in regards to validating the U. S. Bankruptcy Court items listed on my credit reports. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. The Bankruptcy Court mailed me a letter which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. My inquiry to the U. S. Bankruptcy Courts confirmed XXXX, XXXX and Experian Credit Bureaus has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly.
Consumer complaint received 2017-08-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (NY)

My last attempt to clear my debt with Carecredit/synchrony Bank. So it would seem after numerous attempts to get a settle amount ( no more interest charged ) above the ridiculous interest rate of 25 % after the offer expired. The loan I paid for 2 years every month taken out of my account was exactly the same as when I began because of the interest XXXX. XXXX. Now the debt has been sold to a third party with an answering machine? This was after three phone calls as to where the account was. If Carecredit can sell of there bad accounts and not be responsible for good business practices, it will be difficult would be difficult to see on paper how they are taking advantage of signing up for the credit when your animal is hurt or at the dentist. Again bad business as far as I 'm concerned.
Consumer complaint received 2017-08-01
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: AMERICAN EXPRESS COMPANY (NC)

XXXX   -   XXXX   XXXX   XXXX   - charged my American Express credit card in error on   XXXX   XXXX  , 2017, at   XXXX   XXXX    XXXX   XXXX  . They immediately acknowledged their error and promised to reverse the charge. However, when I returned from travel in  XXXX , in early  XXXX  of this year, the erroneous charge appeared on my American Express statement. I promptly disputed the charge, opening a case with AMEX, and also did the same with  XXXX .  XXXX  responded promptly and courteously, investigating it and advising that they had contacted AMEX and authorized the credit card company to charge back   XXXX   for the amount of {$490.00} ;  XXXX  advised me that it had accepted the AMEX chargeback on   XXXX   XXXX   2017 ; they provided reference numbers for that exchange with AMEX. However, AMEX not only failed to clear the disputed charge from my statement, they actually closed out their original dispute investigation on the matter ( #   XXXX   ), and sent me a letter dated XX/XX/XXXX  stating that they were reinstating the {$490.00}. claim to my account. I immediately called AMEX, and they re-opened the dispute with a new reference number,  XXXX , and asked me to re-submit my information by mail. This was done on   XXXX   XXXX  , 2017, with copies of all relevant documents, including the emails from  XXXX  Customer Care that confirmed the AMEX chargeback against them. I also uploaded all relevant documents to the AMEX site as instructed by them, at americanexpress.com/docupload.
To date, I have received no acknowledgement from AMEX about the fact that they have been made whole by  XXXX  and that therefore no charge is outstanding. Meanwhile,  XXXX  has been prompt to respond to my follow-up questions ; their Customer Care person   XXXX   XXXX   had made every effort to provide me the reference data regarding their resolution of the charge.   XXXX   ' case number for this matter is  XXXX . Meanwhile, I continue to be harassed by AMEX statements reflecting the {$490.00}. outstanding charge. Please assist me to have the credit card company promptly resolve this matter. Thank you.