davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-09-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (VA)

I recently sumbited an indirect-credit bureau dispute to XXXX XXXX XXXX ( AKA XXXX XXXX XXXX XXXX disputing the 30 day late payment history reported to XXXX Experian for XXXX 2015, XXXX 2015 and XXXX 2015. In discussion with XXXX XXXX, Loan Operations/ Risk Manager and XXXX XXXX XXXX Loan Operations Manager, I was advised that while I had executed on time payments for XXXX 2015, XXXX 2015 and XXXX 2015, XXXX had intended to report past due for XXXX 2015 and XXXX 2015. However per the credit reporting agency reports XXXX did not report XXXX 2015 or XXXX 2015 as past due, XXXX instead inaccurately reports XXXX 2015, XXXX 2015 and XXXX 2015 as past due. XXXX XXXX admitted that XXXX has a practice of reporting late payments when consumers pay on time. I have enclosed a letter from XXXX confirming their errors. In the enclosed letter, XXXX confirmed I had only XXXX 30 day late payments during the disputed time of 2015 as of XXXX/XXXX/2015 ; XXXX 2015 and XXXX 2015. Even though XXXX is regulated by FCRA and has been put on notice of the errors, XXXX XXXX refuses to correrct the inaccurate late payment hisotry. XXXX XXXX is aware that XXXX XXXX has a systemic problem of reporting late payments inaccurately and knowingly refuses to make corrections. XXXX XXXX even went as far as to threaten me if I filed a regulator complaint or an XXXX stating, she would go back and change the reporting for the months XXXX did not report as past due. Sadly my wife and I are far too educted in FCRA to take her threat seriously. We know that XXXX must not supply information to a CRA that it knows ( and should know ) is inaccurate. This includes reporting late payments when I have paid timely for the reported month. The willfulness of XXXX XXXX and XXXX XXXX to refuse to udpate inaccurate information when notified and aware of errors is not only harmful to the consumer but the industry as well. I expect the FTC, CFPB and FDIC to fully investigate this systemic control problem XXXX. Perhaps had XXXX had appropriate controls in place to ensure accuracy of reporting I would not be in a position to spend hours writing to their regulators. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2015-09-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

There was a discrepancy in the family as to who was paying a Funeral Home bill in XX/XX/XXXX. After some deliberation, in XX/XX/XXXX, I finally paid the bill. It remains on our credit report as an unpaid ( we pulled our credit reports approximately XX/XX/XXXX ). We would like to get this paid bill off of our report, which supposedly is done by the either the Funeral Home or another entity, not ourselves.
Consumer complaint received 2015-10-29
Product: Credit card — 
Issue: Delinquent account — 
Company: SYNCHRONY FINANCIAL (AL)

I have accounts with synchrony Lowes and Sam 's. I called synchrony bank beginning XX/XX/XXXX. I have been ill for over the past year and one half. I got a little behind on my payments and called to make arrangements. I began making payments with the arrangements in XX/XX/XXXX. I am very disappointed with Synchrony Bank. They have seemed to have put my account in collections. I am requesting that Synchrony work with me to pay them back. That is why I called in the first place. I tried to speak with a Customer Service Rep on XX/XX/XXXX to no avail. I called the following phone number XXXX to no avail. They said it is nothing they can do. I have XXXX accounts the account numbers are XXXX and XXXX. Sams and Lowes. I am willing to pay back what I owe. I need a opportunity to do so. I can not pay it back all a once. I am still having health issues that I am trying to work thru. I have been a customer with GE Capital for a long time. It seems ever since Synchrony Bank took over for GE Capital that I have been having problems with my accounts. I need to be able to pay back my dept. I think if you reach out to a company and you are having problems you should be able to work something out. I have been a long time GE Capital customer. I would like to be able to make payments on these XXXX accounts and set up a payment plan with Synchrony Bank and not some collection agency. I am very disappointed. I made first contact XX/XX/XXXX and again XX/XX/XXXX about my health problems. Synchrony Bank should work with me like GE Capital did. I would like for Synchrony to allow me to pay my dept. I have health problems and need time to pay them back. Not thru some collection agency, but thru Synchrony Bank directly. I need these accounts pulled from collections so that I may deal with Synchrony Bank
Consumer complaint received 2015-09-10
Product: Credit card — 
Issue: Delinquent account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

I am under the impression that Capital One is reporting XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX as late payments incorrectly. Also the balances at that time may need to be verified. PLease provide proof of the balances and deliquecies for that time.
Consumer complaint received 2015-10-28
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Portfolio Recovery Associates accepted payment to close the account but continue to report inaccurate information to all XXXX credit bureaus. Portfolio Recovery is knowingly reporting false information to the credit reporting bureaus after accepting and depositing a check as final payment. I have disputed this account by providing the original letter and cashed check as paid in full however they ( Portfolio ) continue to report to the credit bureaus as a balance. Portfolio Recovery has stopped all attempts to communicate after check was cleared. This account is further negatively affecting my credit report and score due to this company 's false reporting.
Consumer complaint received 2015-09-10
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (KY)

Here is the story all over again, as I recall it, in early 2014, XXXX either made or partook in making me a Video DVD, but never got back with me to edit the DVD. What I wanted in this DVD was to have Pictures of Women 's shoes, of the actual items I was selling on my website. I DID NOT want Pictures of Women 's Shoes I was not going to sell on my websites. I have not used the DVD in anyway at all. Why should I to pay for services that I am not happy with? I am not happy with the service they have provided in the past and will not subject myself to such treatment in the future. I can not begin to tell how disappointed I am with this entire situation. I have tried to contact them numerous times and conveniently they are not available. I have verbally expressed my concerns and have requested a Full Request on several occasions. Agents have asserted that they will not return my money. This entire ordeal is sketchy! To date, I have yet to receive the product as described. I attempted to dispute this {$1000.00} dollar transaction with my credit card company, they simply refused to assist me. Please advise my credit card company under the Federal Truth in Lending Act ( TILA ) and Regulation Z, I have XXXX YEAR to file a non-billing error type dispute. Ever other credit card and debit card holder has refunded my money. This is simply a claim of service not as described which can still be disputed. Please help me advise the credit card company that for this purpose allow they should issue a refund promptly. I have already been through enough calls, emails, and irate conversations with the merchant. They should not be siding with the merchant, my credit card company should be on my side. PLEASE HELP US!
Consumer complaint received 2015-10-29
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SCOTTRADE BANK (CA)

Dear Sir/Madam, I am writing to report very illicit actions by Scottrade Bank and their affiliates. Specifically, for a period of at least two years, Scottrade Bank lied to the OCC about their net capital to pass on the illusion that their bank was less than XXXX XXXX in assets. Scottrade Bank and the OCC conspired in a manner that Scottrade Bank was left from out of the regulatory purview of the CFPB and the OCC refused to investigate. 

In fact, during 2013, the OCC and CFPB forwarded complaints back and forth at at least 6 times, with neither agency taking jurisdictional authority over the issues. 

Finally, after months of contacting Senators and the CFPB, Scottrade was finally taken under the jurisdiction of the CFPB. 

However, now Scottrade Bank is refusing to reply to all or any of my complaints, even when the items and disputes are substantially different than previous complaints.
Consumer complaint received 2015-10-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

I recieved my credit report from a car dealership, and it came out with a different name and address. I also went onto my credit karma account and checked if there was anything unusual about it or any loans that I may have not known about, and there was a mortgage loan under the name of XXXX XXXX, with my social and it was on my account. The person was also making on time payments. Please help!
Consumer complaint received 2015-11-01
Product: Prepaid card — Payroll card
Issue: Managing, opening, or closing account — 
Company: Empowerment Ventures, LLC (MS)

I applied for a rush card on XX/XX/2015 and supposed to received it in 7 to 10 days. I received my first card but have n't received my other one with my money on it from my department. I called rushcard multiple times and ca n't get any answers. I checked online of XX/XX/2015 and it said I bad {$900.00} on there but when I checked later on it said {$0.00}. I have n't received my card even to get my money.im late on my car note, light bill, and loans I have to pay.
Consumer complaint received 2015-10-30
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: SCOTTRADE BANK (CA)

I discovered that {$25000.00} was transferred from my checking account to my Scottrade account without my approval. I contacted Scottrade and was informed that I would need to fax in a wire transfer form to get the money returned to my account. Later, I was told that I would need to wait XXXX business days before they could return my money. Because my overdraft protection was only good up to {$500.00}, my bank said that they would reject the transaction and return the money to my account since I was overdrawn by {$4000.00}. 

My bank was gracious enough to waive all the fees associated with this transaction. Scottrade, however, sent me a letter blaming me for this incident ; saying that I had inadvertently disclosed my account credentials or had a malicious virus or spyware on my computer and wanted me to sign an agreement that would basically blame me for any future security breaches if I did not change my password every month. It turns out that it is totally their fault because last XXXX, someone hacked into their eCheck secure and stole everone 's information. I am now requesting that my Scottrade account be terminated. I have also placed a security freeze on my credit at XXXX XXXX, XXXX, and XXXX.
Consumer complaint received 2015-11-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (NJ)

Equifax requests unnecessary information to delete an invalid address ( address must have been entered incorrectly years ago and added to my report ). Equifax can check with the town and US post office to verify the non-existence of the address. Sending in my license, utility bill, etc. that only shows my current address is irrelevant. TransUniion does not require the information to process my request to remove the invalid address associated with my account - why does Equifax? Deleting an old address should be instant. Especially in cases where the address is invalid or necessary for the protection of the person ( s ) requesting the deletion. No proof beyond what is required to view one 's credit report should be required.
Consumer complaint received 2015-10-30
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (MI)

On XX/XX/XXXX I was granted credit of {$2500.00} by Carecredit/GE Money. I made four additional transactions of {$1400.00}. Based on high monthly due minimum, after eight years of steady payments I look confident to have paid off this credit. But, every month I see this credit increasing due to crafty billing by Creditor. For example : they charged systematically high so-called Interests on Purchases even when no transaction was made in related billing circle. Moreover Carecredit lured me to sign four years ago a program called ACCOUNTS SECURITY PROGRAM which charged my account of {$36.00} or more a month. I was told the program main purpose was to help credit holder compensate monthly due minimum payments in case of sick leave or jobless time. Just a big lie! Because when I recently moved from XXXX to XXXX and while I am still jobless and struggling to settle here, I wrote several times to Carecredit and Synchrony Bank to claim they activate benefit of my account Security program during this jobless period, nothing. Instead they have not only jeopardized my credit score but also connected all my phones to debt collectors who are, as of today, harassing me by calling any time 7X7 days. In the light of all of above, from XX/XX/XXXX I finally stopped paying monthly due minimum unless this creditor provide me in writing complete credit account billing and payments history from XX/XX/XXXX to XX/XX/XXXX to help me know how much I so far paid compared with current balance credit.
Consumer complaint received 2015-10-30
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (IA)

I keep getting calls from XXXX, they claim to be ERC and are attempting to collect a debt. I have a person with similar information to me that lives in Iowa the big difference is I am XXXX and he is XXXX. This ERC keeps calling and tries to threaten me to pay the debt.
Consumer complaint received 2015-10-29
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP (FL)

I was approved for a modification on for my mortgage. Which means making payments on time. Within 30 day US BANK advised that they will update my credit report to reflect current. I still see late payments on my credit. I have contact them. They told me my letter came from a collection agency. I sent these letters myself and had them notarized. How can you ignore my request. I brought this property for {$200000.00} and its worth {$98000.00}. This is sad. I do not want to have bad credit also. I pay on time.
Consumer complaint received 2015-09-10
Product: Consumer Loan — Title loan
Issue: Charged fees or interest I didn't expect — 
Company: CITIBANK, N.A. (MI)

We have a loan with One Main Financial and feel we have been misled in so many ways. They are using our vehicle even though it 's already being financed through a Credit Union. They never explained how much interest we would be paying over the life of the loan. We asked for help on a somewhat different matter and will not get a response either. They are very convincing to people in bad and desperate situations. So far, we have lost about {$600.00} in fees and interest
Consumer complaint received 2015-11-01
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (NY)

We have a HAMP mortgage since XX/XX/XXXX. It was with XXXX and sold or taken over by Ocwen Servicing when XXXX went out of business. Ocwen is a debt collection agency ; however, we have never been late on our mortgage payments.Whenever we contact Ocwen they treat us like we are delinquent in our payments, regardless of our excellent payment history. 
We have tried a couple of times to get information from Ocwen about the terms of our HAMP loan. We want to know why we did n't get paid {$5000.00} after the first 5 years for an incentive offered by HUD for HAMP loans. There is also supposed to be another {$5000.00} incentive after the 6th year as well as the opportunity to reamortorize our loan. We ca n't get Ocwen to explain anything to us about these incentives or tell us why we did n't get the {$5000.00} when we completed year XXXX on XX/XX/XXXX. They tell us we need an appointment with a representative but they ca n't get us an appointment and do n't call us back. An escalation manager on our call today told us he can call us back in a week to get us an appointment with a representative. This is the same answer we received 3 months ago from them and no one ever called us back. If they service our loan why ca n't they tell us anything about it? Are they getting paid for servicing our loan? This is unacceptable and we 're stuck with this company that is a debt collector not a mortgage company and has awful customer service.
Consumer complaint received 2015-11-02
Product: Credit card — 
Issue: Balance transfer — 
Company: JPMORGAN CHASE & CO. (MI)

I have tried to send a response to Chases resolution for two weeks and your server will not accept the message. When I push send the circle goes around for 10 minutes saying sending and then quits and says to long, log outChase did not refund the {$3500.00} I paid with a check from my XXXX account that I found a record of. 
This is what they called RELIEF Transferred payment to Checking Account $ XXXXYes that was correct however in the fine print they charged a debit to my Chase Freedom Account for that same {$3500.00} +said I would owe them interest from XXXX XXXX when I made the payment on my freedom acct. 
1. XXXX XXXX, 2015 I wrote a balance transfer check to my Chase Freedom Account. I went to XXXX different branches of Chase and asked them to send me a check or put the money in my checking account because I meant to pay off my XXXX XXXX XXXX which I was cancelling. I had just heard that my best friend of over 30 years has XXXX which put me under duress. 
2. Both bank officers went through my checking account and said no checks had been written for {$3500.00} so I could n't have paid that amount on my Freedom Card by accident. 
They said it must have been a bank error and so they did a XXXXreversal and took my {$3500.00} XXXXout of my Chase Freedom and kept it. 

3. I have my statement from XXXX that on XX/XX/XXXX bal xfr Chase Mastercard/Visa {$3500.00} with a bal transfer fee of {$100.00}. 
XX/XX/2015 BAL XFR. CHASE XXXX & XXXX $ XXXXAccount DetailsCiti Simplicity ( R ) Card-XXXX Current Balance : $ XXXXCurrent Balance : $ XXXXTotal Credit Limit : $ XXXXAs Of XX/XX/2015 : $ XXXXMinimum Payment Due
Consumer complaint received 2015-10-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I owed debts to XXXX for XXXX hospital. I paid allied the money owed and they said I do not owe them any mony, my acct. is paid in full but trans union still will not take XXXX of them off my record " they removed XXXX " but not both They say they will keep the one on until 2018 even though it is paid
Consumer complaint received 2015-11-02
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

TransUnion Credit Monitoring. These people are the lowest of the low. Someone filed a tax return in XX/XX/XXXX using my social security number. So, I was advised to put my credit on fraud alert. But, when I did so, I was automatically enrolled in credit monitoring that was billed to me 1 week later and for 6 subsequent months!!! So they take people who are already dealing with a stressful issue and then rip them off? When I was finally alerted to the issue, I called and they would not remove my credit card information from their database or even from the Transuinion website.
Consumer complaint received 2015-10-29
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (MD)

i applied for a deed in lieu in XXXX XXXX it was approved and I wasasked, in XX/XX/XXXX, to vacate the property and execute the finaldocs, which I did. In XX/XX/XXXX the mortgage company sent me XXXX. Later, in XXXX, I was told there was an error in theprocess and final approval had n't been received, so the deed in lieu wasstill pending. I received the new approval in XXXX. Later, in XXXX, I received a letter stating due to title issues my application hasbeen cancelled. The mortgage company knows that the property titleis clear because I have provided all request title documentation. 
They also know that the property is now in terrible conditionsince it has been vacant for approx.. 1 year. It is my position thatthe mortgage company did not want to the property back becauseof the challenges it presents in selling, hence it reneged on its offerof a deed in lieu. In XXXX the mortgage company beganforeclosure proceedings.
Consumer complaint received 2015-09-10
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: TD BANK US HOLDING COMPANY (CA)

This relates to Target Credit. As stated above our house burned and I do not havve my records but, Target should because we dealt with only XXXX man. The issue was over XXXX fraudulent charged to our Target Card.and was resolved with the removal of the XXXX and we paid account as agreed. The XXXX Credit report shows the matter under " Adverse Accounts '' but I can not understand what was reported but, the settlement was not. Then XXXX reported that a company called " XXXX XXXX was reporting a collection matter with XXXX Target XXXX with an amount of {$3000.00} but, we have never talked or had any communication with this company. The {$3000.00} was the fraud amount that Target said was charged off. There is no address or phone for this company. I think Target should do what they ageed to to and remove this from my Credit Report. It is unfortunate that the fire and burning of our house on XX/XX/2015 took all my records. I am complaining about the difference of the XXXX reports and the information contained in the reports.