davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-21
Product: Credit card — 
Issue: Transaction issue — 
Company: CITIBANK, N.A. (CA)

I had XXXX XXXX XXXX XXXX XXXX. XXXX was with Citi Bank and I cancelled the card in order to avoid the {$100.00}. annual fee. The other card was with XXXX. I owed {$550.00}. on the XXXX XXXX. I scheduled a payment to XXXX account for XXXX XXXX on my Bill Pay at XXXX XXXX XXXX ( XXXX ). XXXX changed their Bill Pay Web page and I had to reenter the XXXX Credit card account number. When I did this the XXXX site popped up with a notice that the account was recognized and there was no need to add more information. What XXXX Bill Pay sent my payment to Citi Bank! Citi Bank cashed the check on XXXX XXXX. XXXX called to tell me I was delinquent! That was when I researched the payment and found out that Citi Bank took the money. I payed a minimum to XXXX over the phone and they reversed my late fee. Meanwhile I printed a copy of my cashed XXXX Bill Pay check that Citi Bank had cashed. Citi Bank had hand written an account number onto the check that I did not recognize. I called them and told them what had happened. They told me that they had applied the payment to an account that was forgiven in a Bankruptcy filed in XXXX and that I could not file for a refund for 30 days. I have to call them back on XXXX XXXX. I 'm not sure they will even refund the money when I submit this complaint on the XXXX. I believe they are in violation of the Bankruptcy Protection Laws if not committing an act of fraud. How can they write another account number on my check when that account is closed.
Consumer complaint received 2016-09-15
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch (AL)

Got a call yesterday from American Medical Collection just an FYI the rep was a XXXX man and he had a very rude way of talking to me. Said that I owe XXXX and that I needed to pay this today and if I did n't make an attempt to pay this off that going forward there was n't anything he could do and that they would per sue with legal actions against me. I told him that I 'm on a fix income and that I could n't afford to pay anything at this time. And he said well I guess we 'll have to levy your bank account cause regardless XXXX XXXX we 're going to get the money that is owed one way or the other and then he hung up.
Consumer complaint received 2017-02-16
Product: Credit card — 
Issue: APR or interest rate — 
Company: SYNCHRONY FINANCIAL (CO)

I have Care Credit ( Synchrony Bank ) for my pets. I was told that the interest will be deferred for 18 months on my purchases ( XXXX visits ). Yet I saw an interest charge on my bill. I was informed by credit manager that the interest charge is deferred on Minimum Purchases of XXXX! I informed her that I was never told about that and asked her where on my bill does it say that? She said that it wo n't be on my bill! That I can go online and find it under Tens n Conditions! And she blamed the Retailer for not telling me! This Bank has had problems with deferred interest in the past. The Feds looked into it and they were ordered to pay back the unlawful charges to consumers. I was one of them! I actually got check in the mail with an explanation. This was after I had PIF and closed my account! The only reason I opened another account was I thought they had learned a lesson and this tone the promotion was legit. I guess I was wrong!!
Consumer complaint received 2016-09-29
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: Opportunity Financial, LLC (VA)

I am seeking relief from a cah advance loan Opp loans phone number Opportunity Financial LLC in XXXX the interest rate is 160 % I am trying to work out a reasonable settlement but they will not work with me the website is www.opploan.com I donot have the money to pay them back my entir pay is going towards vash advances
Consumer complaint received 2016-04-25
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (CA)

It first started in XX/XX/XXXX when I made three payments that month. We had been paying $ XXXX/ every two weeks, so in XX/XX/XXXX it worked out that we made 3 payments. They took the XXXX XXXX payment and applied it to principal and escrow. This was supposed to be for part of XX/XX/XXXX 's payment. Since then we have been considered a half a month behind. The in XX/XX/XXXX we had a returned ACH transaction on XXXX XXXX. We call on XXXX XXXX to notify the bank and they tell us it should go through twice. So we make a half of payment for XXXX and on XXXX XXXX we see another withdrawal labeled DiTech retry payment. We assume that this is the XXXX XXXX payment that was rejected. Now they are saying that they did n't get any money XXXX XXXX, only the over phone payment from XXXX XXXX. We faced them XX/XX/XXXX with bank statements and a letter from the bank showing the XXXX transactions. They came back and said our letter was n't legal enough and our bank statements were altered. We submitted again XXXX XXXX and have n't heard anything. I call and leave messages speak to agents all with no turn out or answers.
Consumer complaint received 2016-09-15
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: PENTAGON FEDERAL CREDIT UNION (VA)

A stop payment was requested back in XXXX 2016. The request was never removed. Several occasions, items were presented against the account, no funds were in the account. Thus resulting in non sufficient fees ( NSF 's ). Several times, I spoke to managers in the customer service to get credit for the fee being assessed. In two occasions, they were reverted. However, other times they were not. I was told that they had to go through a different process to get " approved ''. This never happened. 
Eventhough, I still have this account. There has been attempts to withdraw funds from FACTS Management causing continuous NSF 's. Would like someone to take a look on how this agency is refusing to secure an account. Also, marginalizing the poor ( or at a lower class level ) to benefit the wealthy.
Consumer complaint received 2017-03-02
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (IN)

Victim of robot-sighning, OCWEN mortgage co, 10 year old loan. 
Title work at XXXX XXXX XXXX XXXX does not list us as owners mor OWCEN as mortgage co
Consumer complaint received 2017-12-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION (TX)

My name is XXXX XXXX, XXXX XXXX/XXXX/XXXX XXXX XXXX. I contacted this institution in regards of two charge off credit cards, they keep reporting it to the Credit Bureaus. They are in violation of the credit reporting LAWS they sent me a statement but never sent me confirmation of HOW these two accounts were actually initiated who did it, they MUST provide me with a signature of me OR even a picture ID of me to verify it was me in fact who opened these two accounts. I am going to be filing a law suit against XXXX if these accounts are NOT removed from " ALL '' credit bureaus within 15 Days of receipt of these complaint. They would take money out of my checking account to pay for those credit cards and if there was no money I 'd be locked out of my account something for which they already been sued in the past and I WAS NOT compensated at all. 
I demand for XXXX to either provide me copies of my signature or picture of my ID, if you can not provide either then you are in the obligation by law to remove both of these charge offs accounts from my credit report. ALL Bureaus. I do not want to ever do business with XXXX again.
Consumer complaint received 2024-08-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

XXXX, XXXX XXXX and Experian has been notified 4 times each in XXXX, XXXX, XXXX and in XXXX Asking them to send me a contract from each company making a claim i owe them Money and they all have failed to respond with evidence that the Alleged debit belongs to me, its been 8 months and this has cause me great grief in my life it has hindered me for securing a place to live, obtain credit to improve my livelihood here are the names of the Company 's who have refused to abide by the laws and verify the Alleged debit or remove it from my personal credit report according to : UNDER FCRA SECTION 616 & SECTION 617, Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. 
You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

XXXX, XXXX XXXX XXXX XXXX : Alleged Amount {$5400.00}, on XXXX it says " Closed '' on XXXX it Says " Closed '' and on Experian it says " Closed '' Why is it still on the report? 

XXXX. XXXX XXXX : Says {$0.00} Balance but remains on the XXXX Report as " Closed '' Why is it still on the report? 

XXXX XXXX XXXX XXXX XXXX Amount {$580.00}, On XXXX its XXXX Closed '' but on XXXX its XXXX is " Open '' and it was completely removed from the Experian Report Why Is That? 

XXXX : Alleged Amount {$830.00}, On the XXXX Report XXXX say " Open '', but has Been Removed for the XXXX and Experian Reports, Why is that? 

XXXX. I XXXX XXXX  : Alleged Amount {$340.00} : On the XXXX report status is " Open '' Experian Status is " Closed '' and On the XXXX it has been removed why is that? 

XXXX. XXXX XXXX : Alleged Amount {$890.00}, On XXXX Status is " Open '' and Has been Removed from the XXXX and Experian Reports, Why is that?. 

Note : All letters sent to the 3 Major Credit Reporting Agency 's were served Certified mail with Return Receipt for 4 times each and All documents were Certified.
Consumer complaint received 2016-09-15
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I am so disappointed in Bank of America, and their ways on charging hard working people like myself, and that lives check to check with all these hidden and ridiculous fees! I did n't notice I overdrafted my cheking account, so my savings covered the overdraft cause I have them linked, and does n't bank of America truly charge me {$12.00} for an overdraft transfer!! Wait what!!! For that I would of left my account overdrawn by XXXX cents instead of this sneaky stuff they are doing! This Is sad that you trust your bank with your hard earned money, and they just rip you from every angle. If I had thousands or millions I would n't mind a bit, but the rip the little guy, and not the big guy with all the money!! These banks have to accountable for their wrongs too, and to loyal customers!! I also started a claim when my wallet got stolen and {$200.00} were taken out without any of my knowledge or authorization, and they just proceeded to dismiss my claim and not pay me back my stolen money!! I will never recommend this bank to anyone, cause they do n't help you out at all. Only themselves!! I just lost my dad on XXXX and my financial situation is bad with all my dad 's funeral expenses!! I would n't recommend bank of America and all their hidden and unjust fees and they do n't help their customers out in any way!!
Consumer complaint received 2017-02-16
Product: Credit card — 
Issue: Billing disputes — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (NJ)

i have tried calling emailing no response. i want to know why i was charged XXXX cents interest aand a payment was returned on card ending XXXX. i am not paying interest. i am not arguign about its validity just questioning why i paid it in full. cusotmer here 30 years and still get scripts. bottom line calling in you cant understand the person from XXXX and i dont have time to waste. i was told " its only XXXX cents '' well why? i know you will not refund interest and i cant use the card as a result since if i could pay in full i would. and loyalty means after 30 years it could be refunded. since not i cant use the card need no card agreement tell me why payment was returned. again i called and emailed no response. 
When you can be loyal to me i can then use the card until then i stick with banks that are loyal and dont care about interest because they know they make more when i use the card and lose more on bad customers. also no need to remind me how much has been credited. without credits for interest i cant use the card no more how valid it is. plerase dont retalaite. i am so sad how i am treated here. all the scripts all the lack of XXXX and all the problems
Consumer complaint received 2016-09-15
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I contacted Capital One Bank 's customer care handling credit card payments on Wed., XXXX XXXX, 2016 at XXXX XXXX. as soon as I arrived home from work. Payment due then and I wanted to submit my first payment. Bank had closed and I went online chat to make payment. The customer service person stayed away from the phone so long that I sent chat asking if she were assisting another customer. Once she returned she said another department would assist me. It was XXXX XXXX. then XXXX where I reside ( XXXX, Texas ). A guy came on line and when I told him that I wanted to make my payment, he also took awhile to return to chat at XXXX XXXX saying what I already knew -- my payment due today. He continued saying that since it was after XXXX XXXX my payment is officially recorded as being late! I informed him that it was slightly passed XXXX XXXX my time, but he did not care. I told him that I would take this matter before CFPB. This morning, XXXX XXXX, I visited Capital One Bank to speak to the manager at XXXX but he had not arrived and they were short on staff. I had to get to my job and waited as long as I could but it was just taking too long.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Advanced Resolution Services Inc. (IL)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (CA)

I had a buisness acct w chase for 4 years. I got a tax refund from irs I deposited they flagged it as fraudulent so they closed the acct and are still holding the funds even though I went to chase and proved check was legitimate Its been almost a month and they are still holding funds my business is about to close I cant pay rent
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Advanced Resolution Services Inc. (AZ)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Late Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge Off/Collection XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX Personal Info : Also Known As : XXXX, XXXX, XXXX Employers : XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/2023 Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/2023 Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/2023 Also Known As : XXXX XXXX
Consumer complaint received 2015-08-20
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I had a dispute with a merchant XXXX XXXX XXXX and asked them to stop charging my credit card I had on file as they do not have a way for me to cancel my credit card on their website. I called and advised I do not want their services and to stop automatically billing my master card. They said the would take care of it when I called but said they would not provide me with any confirmation coded as they do n't do that, just an internal note on my account. To make sure my card would not get billed again I canceled that card and was issued a new card number from capital one. As soon as I activated the card this merchant XXXX XXXX XXXX got my new card number without me giving it them and billed my new card. I call capital one and was told they did not give out the information and that master card provided them with the new information. I had to completely close my credit card account. I was not aware anyone can obtain new credit card numbers without the customers connect. I should have the right to stop a billing of a merchant on a credit card if that is what I choose and master card should not have the authority to provide my new car numbers without my authorization. Having to close my account has caused harm to me by hurting my credit score.
Consumer complaint received 2024-10-01
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TRUIST FINANCIAL CORPORATION (TX)

In XXXX my payments were paid up and they repossessed my car I even paid it up through the year and they charged an excess of overage fees.made me pay by credit card. Told me I was paid through XX/XX/XXXX and paid I paid XXXX. They are charging fees before due date if car payment. When it was repossed then I wasnt behind but they said I was. 
Here we r in XXXX there trying to pull same scenario. I paid all my payments since beginning of year well every time I try and pay the block me from paying online .i pad on time since XX/XX/XXXX. Well they now still block me then all of sudden in XX/XX/XXXX they tried say I was XXXX months behind again. I have receipts where transfers went to them. Well XXXX I paid payment and I was due for XXXX but they tried to say again I didnt pay XXXX. I made XXXX notes for XXXX XXXX XXXX. They then told me after that they deleted XXXX cause I as XXXX days behind and its going to be repossessed I had confirmation that it was paid. I paid XXXX as well. Now they have my account so messed up doing same thing again. I asked for proof of where they deleted and was my money sent back. So Im still battling where my funds r .Cause money wasnt returned to me and they want to repossess my car I need this for driving to and from work. I tried multiple times to sort out. But when they continue to say I didnt pay and I have ref # for payments. They told me just cause I paid online doesnt mean its paid. I said well its a confirmation I processed. So now Im fighting with them and bank on where my payment they just deleted and saying Im behind on my payments and I have proof of all of them. I just recently lost job and they were trying to make me take out extension to cover past payments that I already paid. Basically trying to force or make me lose my car I worked all year paying this all year. But they force u to pay by credit card and want allow u to pay online and force your car into repo to make extra money off of you. I asked and requested where they deleted my payment they wouldve give to me They didnt use to be this way but they having gotten really bad this year Others Im sure are having same problem. 

Thanks XXXX XXXX XXXX
Consumer complaint received 2016-05-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I have disputed with TransunionXXXX, about their practices of putting stuff on my credit report. I wanted proof from all on how they verified that these accounts belong to me. I have instances where XXXX of the accounts stated they only verified that XXXX digits of my SS # and the debt was listed on all XXXX of my accounts. I only proof that I will accept from all XXXX of these credit bureaus is a signature showing my name where I requested credit from each of these debtors. Using the XXXX digits of my social security is not enough. If they ca n't or have not verified with a copy of my signature on the original loan, credit card or whatever I want the charges removed from all three credit bureaus. I have attached the accounts in questions, XXXX ( XXXX credit cards ), XXXX XXXX ( XXXX credit cards ). As you can tell XXXX XXXX shows that I made a payment on XXXX and I do n't even have a credit card with them.
Consumer complaint received 2024-10-02
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (AR)

On XX/XX/year> I made a typographical error in making my payment to my Amazon XXXX XXXX, which is issued by Synchrony. This resulted in a very large overpayment. The payment amount was {$59000.00}. 

On XX/XX/year>, my bank, XXXX XXXX, reversed the payment. 

On XX/XX/year> I made a payment in the amount of {$3000.00} to cover my statement balance since my bank had reversed the prior payment. 

Also, on XX/XX/year> unknown to me, XXXX XXXX  reissued the original payment of {$59000.00}. All of this resulted in a credit of {$58000.00}. I contacted Synchrony asking for a credit refund. They said I should get it in 7-10 business days. 

On XX/XX/year>, instead of receiving my refund as indicated, I received a letter stating Synchrony needed proof that the money came from my bank account. I provided documentation from my bank that the money had indeed been sent from my account. Once again, I asked for a credit refund. 

On XX/XX/year>, I had still not received my refund of {$58000.00}. I contacted Synchrony. I messaged with XXXX XXXX, who also enlisted the help of his supervisor. He acknowledged they received my proof of payment. I was told by XXXX XXXX a credit refund would be expedited and I should receive it quicker than the normal 7-10 business day. 

On XX/XX/year> I have still not received my refund of {$58000.00}. I called Synchrony again. I spoke with XXXX. She informed me that a refund check still has not been issued. She claimed that it had to be reported to the XXXX due to the size of the refund. She stated the money would not be refunded until XX/XX/year> or XX/XX/year>, and then it would still take 7-10 days for me to receive it. 

I'm not saying Synchrony is refusing to refund my credit of {$58000.00}, but they are also not making a real attempt at refunding my credit. They have had weeks to report my refund to the XXXX. Can someone please assist me get back the {$58000.00} that Synchrony has been holding hostage.