davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-04
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: RoundPoint Mortgage Servicing LLC (CA)

Roundpoint Mortgage is the note holder and servicer of my mortgage. We have submitted four different financial hardship packages with the intention of obtaining an approval for a loan modification. We started last year and until now nothing has been accomplished. Every time we submit a package they lose the paper work and send us a notification requesting the same information we have sent via email and after confirmed via phone that it was received they still send out notifications asking for the same information. They continue to play games with us. We submitted an application requesting assistance with our mortgage with Keep Your Home California, and after months of sending information back and forth we were told that the program was approved but Roundpoint Mortgage would not approve working with them, since they are the servicing company and the investors too. we want to keep our home and we are willing to do whatever it is within our power to remain in our home. The third hardship package we sent to Roundpoint was in XX/XX/XXXX. We called them for an update in XX/XX/XXXX and we were told that our application was denied, they never sent us a notification explaining why. Then in XX/XX/XXXX we received a letter from Roundpoint Mortgage requesting more information and stating that the application was incomplete. They decided to re open our file without saying anything few days after people from the program " Keep Your Home California '' told us that our application for assistance was approved but they needed to hear back from Roundpoint Mortgage in order to release the necessary funds to re instate our mortgage. We were supposed to receive up to $ 100k in funds to re instate our mortgage, but Roundpoint Mortgage declined to receive the help " Keep Your Home California '' was offering to us.Things do not match or make sense. Roundpoint is definitely not helping us, instead they are making things more complicated for us as if they want us to lose our home. We are very stressed out over this situation. I told them I suffer of XXXX XXXX and they don't care at all. The people from Roundpoint lie constantly about the paper work they receive and they continue to toy us around. We never receive a call back from the person in charge of our case within the litigation department. We are being ignored and mistreated. We are doing our best but Roundpoint Mortgage loses our paper work every time and we don't know what to do. The first three times we sent our information via fax seven times and via email. We have always received a fax confirmation and confirmed via phone that our information was received but they always send us letter requesting the same information that was sent to them. Please help us with this situation so we can keep our home. We want to stay in our home. 
Thank you for taking this matter into consideration. 
Sincerely, XXXX XXXX XXXX.
Consumer complaint received 2020-10-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: ALLY FINANCIAL INC. (CA)

Hello, My name is XXXX XXXX. I closed a CD on XX/XX/XXXX with the amount of XXXX with Ally bank. The first check was returned back to Ally bank in order to issue another check. 

I contacted Ally bank on XX/XX/XXXX, and the bank manager XXXX said that the check was sent on the same day. 

I contacted Ally bank on XX/XX/XXXX that I did not receive the check. Ally bank confirmed with me the check was not cashed out. I requested Ally bank to make stop payment, and transfer the money to my other bank. Ally said that it would contact me on XX/XX/XXXX, but they never did. 

I contacted Ally bank manager, XXXX on XX/XX/XXXX and requested that they should transfer my money for me today, but they refused to pay my money back if I did not fill out the loss and found affidavit with notarization. 

I asked Ally bank manager XXXX why I should fill out their affidavit form since they confirmed that the check was never cashed out. They could make a stop payment and pay me right away. With Covid pandemic, I was going to look for the place to notarize the affidavit form in order to get my money since they knew they still had my money. 

I believe that Ally bank is trying to keep customer 's money longer without paying interest in order to do their business. 

I would like to get the problem to be solved as soon as possible. I am looking forward to hearing back from you soon. 

Best Regards, XXXX
Consumer complaint received 2023-04-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have disputed Account Name : XXXX Account Number : XXXX Sent certified mail to Transunion : XX/XX/XXXX XXXX second request ) Sent certified mail to XXXX : XX/XX/XXXX XXXX second request ) Sent certified mail to XXXX : XX/XX/XXXX Credit Bureaus, Transunion, XXXX XXXX and XXXX, all three stated that the accounts were properly investigated and verified the accounts and information as accurate but the information for the account is still inaccurate and was not verified as I did not get any proper paperwork to show that the account belonged to me at all. The date opened, the date last active and the date last reported are all inaccurate still as well as high credit. The payment history is incorrect and also not reporting correctly and Transunion and XXXX does not report any payment history at all and XXXX only reports good payment history with no late payments at all listed. How can this account be verified as accurate when nothing is accurate or reporting correctly or consistently? This is grounds for immediate removal and they have also violated my rights under 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. They have also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states that a consumer reporting agency can not furnish an account without my written instructions. I have not given these accounts written permission to furnish these accounts on my credit report.
Consumer complaint received 2023-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I am writing to bring attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have fallen victim to identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a negative impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if necessary, pursue legal action to protect my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.
Consumer complaint received 2020-11-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC (PA)

Hello, and I hope all is well. While reviewing the credit profile to XX/XX/XXXX the number of uncertain tradelines continues to be placed when the debt is unknown to the credit profile. National Recovery Services hired a third-party collection of XXXX XXXX University to report items on the credit profile. If out of network required treatment, nothing presented or explained during the time of visit was ill during the time of treatments. Pre-Authorizations are required before the visit. If practices failed prior, as a consumer, my credit shouldn't be compromised. The continued actions have violated the Federal Credit Reporting Act. This is a violation of the law with continued failed practices, which decreases my credit score and creditworthiness.
Consumer complaint received 2023-08-17
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: EQUIFAX, INC. (GA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting items as unconfirmed information without producing proof within the legal time range. 
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Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I have unauthorized hard inquires on my credit file. 
Companies that need to rectify this issue 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 XXXXXX/XX/XXXX
Consumer complaint received 2020-11-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A. (DE)

I have email alerts with PNC to let me know if my account balance is below {$100.00} or if my account has become overdrawn. I logged into my account on XX/XX/20 after XXXX and saw that it was overdrawn - {$430.00}. I immediately transferred {$450.00} via XXXX to satisfy the overdrawn balance. I finally received an email notification from PNC advising of the overdrawn balance at XXXX, which is a full hour after I completed the transfer so I signed back into my account. The transfer had posted and I was still showing an available balance of {$18.00}. I continued to check my account multiple times during the day and that evening as well to make sure nothing else changed. There were no changes to my available balance in the Online Banking app and there were no additional email notifications received from PNC Bank. The next day, XX/XX/20, I signed into my account to complete another transfer when I was shocked to see that I was overdrawn - {$150.00}, {$100.00} of that being bank fees. I checked my email to see if PNC had made me aware of the overdraft on XX/XX/20, as I have until XXXX to make a deposit to avoid bank fees. The only email correspondence received was dated for XX/XX/20, and was sent at XXXX XXXX  advising that my account was overdrawn. A second email was received the same day at XXXX providing me with the exact amount of the overdraft but of course by that time I already knew but didn't understand why. So I waited until they're customer service department opened at XXXX and called. The IVR said that I did not have to wait and would receive a call back within 20 minutes. More than 2 hours passed with no call received so I called again and spoke with XXXX. I advised her of what happened and asked her if I did something wrong and that's why the fees were assessed. She said I had not and could not explain why PNC had not alerted me to the additional transactions prior to assessing the fees. I spoke with two representatives today who identified themselves as managers who both refuse to reimburse for the fees. They just blamed it on the merchant and the last manager told me I would be sent to collections if I didn't pay it within 30 days.
Consumer complaint received 2018-05-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (CA)

I sold my XXXX dollar truck because I wanted to get a cheaper commuter. So I asked XXXX XXXX XXXX XXXX for a loan and they are the ones who made as aware of this delinquency. I had no knowledge of any medical bills owed. I pulled my credit report and called I C Systems. I spoke with XXXX XXXX. She let me know the amount owed was {$2300.00}. However I knew that our insurance covered his service. So I called XXXX. I spoke with XXXX, she referred me to my old employer and stated it was my old employers responsibility to pay. While that didnt seem right I called HR at my old employer and she confirmed that it was XXXX I should be talking to. So I called back. I got a lady named XXXX on the other line. She said the amount showed {$2600.00}, and it was paid. She said we had a {$40.00} co-pay that we paid at date of service on XX/XX/XXXX. She said the doctors office must have sent this to collection in error. So I called XXXX XXXX XXXX XXXX and they transferred me to billing where I spoke with XXXX. She said she had no idea why this went to collections. I then called XXXX  back and they referred me to their subdivision XXXX XXXX XXXX I spoke to XXXX. She said they paid this on XX/XX/XXXX and gave me a check number. She said she had an EOB and would fax it over to the collections agency to show it was paid. I am not responsible for this debt. I have never had a late payment, or delinquency in my entire 17 years of having credit.
Consumer complaint received 2020-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL (GA)

On XXXX XXXX, XXXX, SYNCB/PAYPAL add a hard inquiry on my credit report per XX/XX/XXXX. 
On XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXXXXXX add a hard inquiry on my credit report per XX/XX/XXXX 
On XXXX XXXX, XXXX, XXXX XXXX add a hard inquiriy on my credit report per XX/XX/XXXX.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2018-05-03
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc. (CT)

Good Afternoon Maam or Sir, I am writing in reference to an auto loan with XXXX XXXX XXXX 

I purchased a vehicle in XXXX and XXXX XXXXXXXX XXXX provided ( and continues to ) finance the auto loan. 

I purchased a XXXX XXXX XXXX XXXX with XXXX miles ( VIN XXXX ). I was told the APR for the auto loan was 12 %, however, after paying a total of {$17000.00} ( As of today ) I realized that the actual APR is 24.15 %. I remember being rushed to sign the contract. 

I provided a {$4000.00} down payment and financed {$17000.00} for 72 months at a 24.15 %. After requesting a copy of the contract, the finance charge is {$16000.00}. As such, the cost of the XXXX XXXX XXXX XXXX with XXXX miles would be {$37000.00}. 

I have paid over {$13000.00} and the current balance is still over {$14000.00}. 

I purchased the vehicle from XXXX XXXX XXXX XXXX, NY XXXX, and I am a resident of CT XXXX.
Consumer complaint received 2018-05-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: SYNCHRONY FINANCIAL (NY)

To obtain financing on my purchase, Synchrony Bank asked me to jump through several hoops. I have excellent credit, have lived in my home for more than six months, and was born in the US. I also have a Synchrony savings account. 

On XX/XX/XXXX, I submitted my application. On XX/XX/XXXX, Synchrony instructed me to submit a notarized affidavit of identity. They offered me a {$25.00} credit because of the inconvenience. I faxed it to them on XX/XX/XXXX. They were supposed to make a decision within a week. 

On XX/XX/XXXX, Synchrony Bank rejected my application because they could not authenticate my identity, even though I'm already their customer. Why? 

Will this rejection affect my credit report? The Synchrony staff didn't know. Can you prevent this error from hurting my credit report?
Consumer complaint received 2023-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX  XXXX which is the same company as XXXX which was paid off in XXXX of XXXX have lost my patience with this company placing negative information on my Experian account and XXXX is allowing it.Every other week they are sending fraudulent information that I am delinquent on an account that was paid off on XXXX XXXX  accepted a check from the title company on both loans they had opened in my name and one of the loans was a Forgiven Loan.Why are you all allowing both of these entities to place fraudulent information on my credit reports? I provided proof to you all the loans was paid in full. The title company has provided information, so my question is do I need to hire an attorney and file a lawsuit against someone in order to get this negative information off my credit report? Its sad when innocent consumers are battling against these predatory companies.Everytime I apply for a place to live that false information is hindering my ability to move forward with my life.
Consumer complaint received 2018-08-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO. (UT)

Chase Bank has reluctantly kept an identity theft account with outstanding balance still in my name from 2013. Despite working with their fraud department a year ago and providing the police reports to several departments that requested it. They failed to honor the police report and letter affidavit disputing the alleged debt as fraud and identity theft sent to them a year ago obviously Chase is still reporting the alleged debt as outstanding owed as I tried to open a bank account with one of their promotions yesterday. It popped up this information.
Consumer complaint received 2018-05-03
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (MI)

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I submitted certified letters to XXXX XXXX, Experian and XXXX regarding XXXX XXXX XXXXXXXX for {$2300.00}, XXXX XXXX XXXXXXXX for {$3000.00} this account is older than 7 years old from the first day of default, I've even sent them paperwork from XXXX the company that is handling the loans, the letter verified that my first date of delinquency was XX/XX/XXXX and they still refused to removed they accounts from credit bureaus. According XXXX 's letter to me that I submitted to each bureau " the federal law requires defaulted student loans be reported to the national consumer reporting agencies for seven years from the date of delinquency ''. Based on that information the account should be removed, yet they continue to send me verified/updated letters.
Consumer complaint received 2023-02-16
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: EQUIFAX, INC. (GA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. It is not permissible to fail to validate these reporting accounts as unverified information without providing proof. 

My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance Owed : {$60.00} XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX Balance Owed : {$5100.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$4000.00} XXXX XXXXXXXX Balance Owed : {$76.00} XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2023-02-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (IL)

I have been trying to receive my earned bonus of {$700.00} since XX/XX/XXXX for a checking account that was opened around XX/XX/XXXX. Citibank has kept stalling and has not sent me the bonus, which I have been consistently monitoring. 

I have been told that I qualified for the bonus by many of the Citibank employees who have claimed they have done their own research. And I have been sent a confirmation notice months earlier that I have been enrolled in the promotion successfully ( see attachment ). 

I have had over XXXX conversations with Citibank employees since I opened up this account. ( See attached phone records with official Citibank phone numbers ). 

I have been told many times that the bonus should be deposited into my checking account NO LATER than early XXXX of XXXX. I did not get it so a request has been filed with Citibank which has not been completed, and it has been over a month now. 

Originally, I have been told I would get an escalated resolution within 3 to 5 days starting XX/XX/XXXX, which I did not. So I called back up again, and was told it will take another week as no one has looked at the case yet. I called a week later, and got the same response. And finally I called for the 4th time ( every week ), and STILL no resolution, and they keep saying they will escalate the case or they tell me to call back next week. Its always the same! 


Citibank is not honoring its {$700.00} promotional offer despite my repeated attempts. This is false advertising and fraud. I have been wrongfully mistreated and misinformed to the point where I am filing this complaint. I have wasted countless hours and days in research and in conversations. I have had a lot of anxiety and stress over the past few months because of Citibank which has effected my mental health and well being. 


I expect a minimum payout rightfully of {$700.00} for the bonus within 5 business days of this formal notice.