davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-02-03
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (FL)

I purchased a washer and dryer from H H Gregg. The purchase was put on my H XXXX Gregg credit card financed thru Synchrony Bank. This was a 24 month no interest promotion, meaning if its payed within 24 months no interest would apply. Approximately thirty minutes later I also purchased a TV with a 12 month no interest promotion. The washer and dryer purchase amount was {$2200.00}. The TV purchase amount was {$500.00}. XXXX 2015 an interest fee was charged to my account in the amount of {$1200.00}. The explanation I received was, the charges were n't paid in the 24 month period. When I reviewed my records I paid {$2400.00}. I paid for the washer and dryer, but I received interest for the washer and dryer.This would leave a balance of {$260.00} for the TV. If the TV had the shorter time frame but was purchased after the washer and dryer interest should have been applied for the TV not the washer and dryer. In Speaking with many customer service representatives no one could explain why my money was not applied to my first purchase. In other words my monthly payments were applied to the TV first. I reviewed the contract and could not find an explanation for this action. I was told to go to the store and speak with a supervisor. In speaking with the supervisor He should me a current contract and a clause, Payment Allocation. The statement reads as follow, We will apply the required total minimum payment to balances on your account using any method we choose. Any payment you make in excess of the required total minimum payment will be applied to higher APR balances. Applicable law may require or permit us to apply excess payments in a different manner in certain situations, such as when your account has a certain type of special promotion. I 'm not sure how this statement is justification for what has happened. I have called 10 - 15 times and was told by every representative not to pay on account while in dispute, yet I still received late fees which were removed after I questioned the fees. I received a letter from Synchrony Bank explaining the fee is justified and will stand as a valid charge with no break down of charges, fees, and payments. I 've been given a number to the escalation department and told there hours or XXXX XXXX - XXXX XXXX. The number XXXX is not a valid number for this department. Basically I 'm getting the run around. I expressed my disappointment and the feeling that I was tricked into this agreement. The salesman and I went over the contract but at no time did I hear, read or know about this Payment Allocation. And I 'm still not sure how this applies to me. Bottom line I had {$260.00} left to pay the TV off. They offered me a {$660.00} pay off that 's approximately {$400.00} difference.
Consumer complaint received 2015-12-15
Product: Credit card — 
Issue: Credit determination — 
Company: SYNCHRONY FINANCIAL (CA)

XXXX 2014 I applied for a Sams credit card by phone. I told the lady on the phone I was using a captell phone for the hard of hearing and deaf. She was aware of my situation. I was told to get credit cards to build credit because I have never had credit cards before. On the phone the lady told me they were offering 0 % interest rate on the card. I accepted because I was told that was good otherwise I would have never accepted if there were interest rates. I was approved for the credit card in the amount of {$4000.00}. I did use the card and I have been paying on it every month. As months went by I notice they were charging more on my monthly payments racking the interest rates up. I was having a hard time paying all that money. The payments started at {$25.00} then I started paying {$55.00} a month every month then it started going up and up into the XXXX 's I am like wait a minute this is not right. Every month it be more then what the actual payment is suppose to be. I got laid off work and I still tried to make the payments. I called and explained and they lied to me about the interest rates. I filed complaints they agreed to credit some of the payments. In my mind why would they credit most of the payments because they admit they made a mistake. I told the I will not make anymore payments until they correct my account because I have been paying on it every month and that they lied about the interest rates. I am not paying until they remove their name from my credit report. They know they made a mistake because other wise they would have never credit the payments. I am asking that they fix my account because it should have never been closed in the first place if I was making payments on it every month being a loyal customer until they started cheating XXXX with the interest rates and lied about the interest rates. I am now being XXXX on my credit report because of them. I ca n't or not allowed to obtain credit with anybody else because they XXXX up on my account for something I was making payments on every month and this is not right that they are at fault for everything. I want them to credit me back what they owe me and take their name off my credit report. They knew I ca n't hear so they will use my XXXX against me to say I did n't hear the lady right. I have a phone that types everything the party says and I know they would not make a mistake on what the other party said. They can get fired for that. This is a government agent on the other line typing my messages. I copied all my seven months payments to attachment that I made to sam 's club card.
Consumer complaint received 2023-04-04
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. (CT)

I see that the accounts on my credit report were misleading when I reviewed it. The XXXX credit bureaus must validate these accounts. It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX : {$2000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXXXXXX Balance : {$280.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$5500.00} XXXX XXXXXXXX XXXX Balance : {$440.00} XXXX XXXXXXXX XXXX Balance : {$470.00}
Consumer complaint received 2016-12-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (PA)

I became XXXX XXXX/XXXX/2016, was out of work and underwater with my mortgage so contacted Ocwen for assistance with HARP program, told do n't have that but will help me with HEMP. I advised Ocwen I was getting help from peers paying my mortgage so my credit score would not be affected, I provided all requested documents. During loan modification XXXX 2016-XXXX 2016 I experienced extreme frustration to get assistance.I was expected to provide documents in short periods, wait for followup calls, then asked to resubmit the same documents, sometimes more than once. I provided all documents requested. In XXXX 2016 Ocwen advised my modification was denied due to " I paid my mortgage on time, can only be approved once my mortgage is 6 mts late. However being 6 mts late does not guarantee approval ''. I have been misled by Ocwen and believe their process is not clear. I am aware Ocwen calls are recorded, which will show how I was misled. On further discussions with other lenders i was advise Ocwen does have the HARP program and should have assisted me. As of today XXXX/XXXX/16 I am still with Ocwen underwater with the mortgage, keep getting late fees and no assistance from them.
Consumer complaint received 2017-03-01
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

After reviewing to response that I have received from Transunion, I do not believe there has been a complete investigation done. XXXX is the only credit reporting agency that continues to report false information and has provided my credit report to over 20 businesses without my consent. Based on both the FCRA and the FACT Act, I understand that Transunion has been violating right I am entitled to. There should be no reason that my credit has been provided without my consent. I have uploaded my report, and it shows that Transunion has failed to remove this information and that they have been providing credit reports without my consent. Additionally, after redisputing this with them, they have failed to act within the consumer protection laws, and need to rectify the situation. I have no idea how inquires keep showing up on my report without my consent. The security freeze I have on my file should prevent this, but Transunion has failed in doing so. I have outlined the information in red that I have attached and I should no longer be affected by.
Consumer complaint received 2023-04-07
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2017-01-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation (CA)

PHH Mortgage charged us via escrow account a monthly amount for unneeded forced place insurance. Upon review of the documents provided by the previous lender, it clearly shows that notification for insurance declaration pages did not arrive to us and instead were returned undeliverable to the lender. Had we known that those pages were required we would have sent them immediately. We have now provided PHH documents that prove that we did indeed have our own insurance during the period in question, but they still refuse to refund us our money. I am requesting to escalate this right away as this misunderstanding was not our fault but PHH fault for not reviewing documents when they bought this loan from XXXX.
Consumer complaint received 2020-07-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (FL)

We processed a payment to our company of XXXX and they said they kept funds for some other account that had a negative balance. This was from Square. We don't have any other square  accounts, yet they are keeping our money. 

During this pandemic, that money is vital for us to stay in business and they are fraudulently keeping our funds
Consumer complaint received 2015-11-19
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (TX)

MY NAME IS XXXX XXXX, XXXX EXECUTOR FOR THE ESTATE OF XXXX XXXX # XXXX wells fargo servicer has repeatedly stone walled any attempts by me to access their policies and programs related to regulation z dodd frank successor- in-interest. I am the heir and successor-in-interest to property left to me by my mother. I have contacted wells fargo numerous times about being placed on the mortgage loan and allowed to make payments they have continued to try and force me to do a modification, refinance or assumption. i have provided them with documents from the CFPB that explains the successor-in-interest, they have ignored this information and continue to try to subject me XXXX.. I am asking CFPB to demand/command wells fargo explain why they say these policy and procedures dont exist.They have caused a significant financial burden and lost of time trying to deal with a organization that intends to wait me out and foreclose on this property. My complaint is simply that wells fargo is using lies and deception to steal my property. refuses to acknowledge regulation z/ successor-in-interest XXXX rules regulation as of XXXX/XXXX/2014 says there are no procedures for anything from the CFPB, SAYS THEIR LEGAL DEPARTMENT has no such knowledge of any federal legislation
Consumer complaint received 2016-04-22
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CREDIT ACCEPTANCE CORPORATION (FL)

I have a Volkswagen Jetta XXXX XXXX. When I got the car XX/XX/XXXX the car was having problems with the transmission. I took it to a dealer and they checked to see if I needed oil, or a new transmission. The guy that looked at the car had said the car was n't worth the money that I was going to put into it. I called the place where I got the car from which is XXXX XXXX XXXX. I spoke with the owner, I told him just what was told to me. The owner response was its nothing he could do about it because it was included in my 90 day warranty. My warranty was still active. I called Credit Acceptance and asked them what to do. They told me it 's nothing that they could do. I continued to pay on my car. I still drive the car because that 's the only transportation I have to and from work. It 's been two weeks today XXXX XXXX XXXX since I 've drove my car because it wo n't crank. It wo n't do anything. I had spoke with Credit Acceptance again and they told me that we could work out a way for me to make my car payments. I told them I could I pay on something I ca n't use. It 's been very stressful and just nerve wrecking not being able to work how I 'm supposed to.
Consumer complaint received 2023-04-07
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: U.S. BANCORP (CA)

I bought 2 items one external touchpad & one inverter from XXXX for {$52.00}. 
I returned both items on XXXX to XXXX XXXX XXXX  in XXXX of XXXX XXXX XXXX 
XXXX said we give you gift card for {$29.00} instead of XXXX. 
XXXX did not give me receipt of delivery of items to them. 
I contacted with the credit card company US Bank XXXX XXXX XXXX XXXX, ND XXXX First they gave me Provisional Credit. Then On XX/XX/2023 They said we don't believe you have given the items to XXXX I sent copies of all of the emails with XXXX on XX/XX/2023. 
I keep contacting with US Bank and they ask for Fax Number. 
There is no Fax Number only the website. 
They refuse to give me credit for {$52.00}. 
Can You help?
Consumer complaint received 2015-11-25
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: TRUSTMARK CORPORATION (NY)

A company has called myself, my wife and my mother. All three times they have threatened a pending civil lawsuit against me.They have given me a case number and phone number to Trustmark Corporation. I called Trustmark and asked them to send me the information regarding the debt and pending lawsuit. They have never done so, yet the original company continue to call us threatening a pending civil suit.
Consumer complaint received 2016-07-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (TX)

Hello, Our house was flooded by the XXXX XXXX in XXXX TX XXXX on XXXX XXXX we had XXXX inches of water in the house, all our things were destroyed. We were rescued Monday XXXX XXXX. we are very grateful for the help of friends, volunteers and our local contractor who have worked hard to preserve the house. we have spent savings and used credit cards to initially pay for material and labor to start fixing our home. We received our flood insurance check from XXXX on XXXX XXXX. the check was jointly made out to myself and Wells Fargo. We have been to Wells Fargo bank two times with all the requested documentation and spoke to them on the phone XXXX and have still not received any money from Wells Fargo, just delays and requests for more paperwork. we have had to stop work and have to send the contractors home. My wife had XXXX on XXXX and my daughter had XXXX on XXXX for XXXX. My wife and I have been living in a trailer. we have explained this to Wells Fargo and begged for our money. we have received none, just a run around. Can you Please help? Thank You XXXX and XXXX
Consumer complaint received 2020-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: Block, Inc. (NC)

My cash app account was locked on the XXXX of XX/XX/2020 I contacted cash app support team and send several mails and XXXX on XXXXr no one responded to me I cant transfer cash or pay bills I want my account unlocked.cash App doesnt have good customer service
Consumer complaint received 2016-10-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

" Trans Union Had a glitch in their system that violated the rights of their consumers. Under sections 6.11. As a result, I have been gravely affected and my score is sufering as a result. I also have XXXX derogatory accounts listed by the same collection agency with different charge amounts. These were all listed around XXXX XXXX. These are Repeated collection accounts from XXXX XXXX XXXX. There was no warning ever given, which is also a violation, and I am requesting that all inquiries and collections accounts be removed. 
XXXX XXXX XXXX XXXX XXXX XXXX repeat inquiry XXXX XXXX XXXX repeat inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$60.00} XXXX XXXX XXXX {$110.00} XXXX XXXX XXXX {$210.00} XXXX XXXX XXXX {$260.00} XXXX XXXX XXXX {$200.00}
Consumer complaint received 2015-12-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (KY)

I am requesting for the last time with this notice that the following inaccurate items be removed from my credit report. XXXXAccount Number : XXXX.The item are not correct result of ID THEFT and is causing me financial distress because of their derogatory information. Appropriately, I can show a judge at XXXX County OHIO that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items correctly. My previous letters stated my reasons for an investigation and these reasons were not frivolous in any way. If this final request does not prompt you to conduct a proper investigation of the accounts in question, and send proof to me of said investigation, how it was done with who with contacts actions I will file a civil suit in XXXX County Against Experian for damages. I take my credit very seriously and your lack of proficiency and assistance is unacceptable. I am well aware of my rights under the FCRA and intend to pursue them to the maximum. You responded to be on XXXX via email with Outcome : Remains. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. I standby the right to sue your credit bureau for violations of the FCRA and I believe I can prove to full extent, that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process further. I am irritated at your indictment and I have consulted with the court my rights in regards to my credit file. I look forward to your expediting my original request immediately. When someone is the victim of identity theft, it is simply a nightmare trying to get false information removed from a credit file.
Consumer complaint received 2016-01-25
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: ClosingMark Financial Services, LLC (CA)

I was working with XXXX XXXX from Pacific Financial Corporation on a refinance of my home. At a certain point he wrote an e-mail to me indicating my loan was approved. He said all I had to do was get an appraisal ( and have it appraise sufficiently high ). I wrote back clarifying that the loan was for a 30 year XXXX fixed with {$2400.00} in closing costs. He said yes and indicated the loan was definitely approved. To be extra clear, I indicated to only proceed with the appraisal if we definitely got the loan at the above rate. After the appraisal went fine, he said we would " close on Monday. '' On that Monday, he sent me another e-mail indicating my closing costs would go from {$750.00} to {$15000.00} ( but he encouraged me to just do it ). I was angry. He said he would re-imburse me for the appraisal over the phone. And then he stopped returning my phone calls. This is predatory fish and bait lending. He lied a number of times. It has been quite a blow to my family.