davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-31
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (NV)

To Whom It May Concern : This complaint concerns my Amazon store credit card account with Synchrony Bank, which became delinquent in XX/XX/XXXX. XXXX XXXX XXXX, XXXX alleges that they bought the account from Synchrony Bank, but the have refused to provide written documentation of alleged sale, even after multiple letters from me, a blatant violation of the Fair Debt Collection Practices Act, which explicitly requires documentation be provided within 30 days of the first written request. 

I wish to make the following points : I received a letter from XXXX XXXX XXXX, which is attached, dated XX/XX/XXXX, claiming without proof that they had purchased my Amazon Store Card from Synchrony Bank ; On XX/XX/XXXX, I sent XXXX XXXX XXXX a requesting a copy of the sales contract, as proof of the alleged sale. 
In a letter dated XX/XX/XXXX, XXXX XXXX XXXX stated they could provide me payment history on the account, but provided no actual documentation, as is required within 30 days under the Federal Fair Debt Collection Practices Act. Nevada Revised Statutes 649.332 etc. also requires written notice. 
I sent a letter to XXXX XXXX XXXX dated XX/XX/XXXX again requesting a copy of the alleged sales contract. 
In a letter dated XX/XX/XXXX, XXXX XXXX XXXX offered a supposed hardship program, but they still have not provided proof of the debt, or if they honor and respect the 6-year statute of limitations under Nevada law. They only vaguely recognize my judgement proof income exemptions under both 42 U.S. Code 407 AND Nevada Revised Statutes 21.090 ( 1 ( y ) ), etc., but they set a time limit, which the law does not allow. Nevada Revised Statutes says my XXXX benefits are protected from consumer debt collection judgements without limitation, so an artificial date such as is in this seems to be prohibited.
Consumer complaint received 2020-09-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Inaccurate accounts on my credit report XXXX XXXX XXXX XXXX {$15000.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX - {$490.00} XXXX XXXX XXXX {$540.00}
Consumer complaint received 2023-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

It is Equifaxs duty according to the FCRA to report correct and accurate information on my credit report and file. They are not. Equifax is reporting an inaccurate late payment for the XXXX XXXX account ending in XXXX. This is a 30-day late payment posted on XX/XX/2019. This is incorrect and is required to be reported as PAID AS AGREED. 
Also, in accordance with 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does not contain information solely as to transactions or experiences between the consumer and the person making the report. A late payment constitutes a transaction. Reporting the inaccurate late payment results in XXXX violating my federally protected consumer rights. 
Additionally, I did not give Equifax written permission to furnish these inaccurate late payments on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that Equifax has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.
Consumer complaint received 2020-09-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (GA)

I opened an account with Suntrust Bank on XX/XX/2020. On XX/XX/XXXX, I tried to withdraw funds only to be told that my access was restricted. I have tried everything to find out 1. Why and 2. When my money will be returned. The only responses that I have received is that its under review and no one knows when my money will be returned to me. The department putting me through this misery does not talk to customers. 

Suntrust is holding my checking & Savings without explanation. I have incurred 3 late charges. I can not buy groceries, fill prescriptions, put gas in the car or anything else. 

Apparently Suntrust can do this at will anytime they please. Consumers have no recourse
Consumer complaint received 2020-12-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Protas, Spivok & Collins. LLC (MD)

On Saturday, XX/XX/2020, I checked my XXXX checking account that was at a XXXX dollar balance. I knew that the locations were closed, so I called a XXXX branch that following Monday, XX/XX/2020 to speak to a representative regarding the XXXX dollar balance. While speaking with the representative, I was relayed the information that a debt collector had put a legal hold on funds in my account in the amount of {$490.00}. I was then relayed the name of the law firm who placed the hold, Protas, Spivok, & Collins , LLC. According to the XXXX representative, the firm ordered the legal hold on my funds/ The XXXX representative told me to contact them at their primary corporate contact number ( XXXX ) XXXX ( public information ). Approximately two weeks later, I reached out to the law firm and reached the secretary. The secretary transferred me to a voicemail and I left a message pertaining to the hold and my contact information. I repeated this process approximately five times and never received a response. A friend of mine acting on my behalf also contacted the firm, and their phone call was returned. However, during that brief conversation, the attorney on the line said he could not release any information about the hold or the funds to myself or my friend, because the debt was not in my name and he was not authorized to disclose any other information. 

In summary : Funds are being held in my bank account for a debt that is knowingly not mine by the law firm, and I am being kept in the dark about the situation with no ability to relieve the debt or resolve the issue and release my funds.
Consumer complaint received 2020-09-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I found the following fraudulent accounts on my credit profile : XXXX XXXX XXXX XXXX XXXX XXXX {$760.00} act # XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE (UT)

Barclay Bank Delaware # XXXX is reporting lates on XXXX XXXX XX/XX/2020. Due to unforeseen circumstances surrounding the pandemic of COVID19 & the lack of hours provided by my employer, I was severely financially impacted. I have had an account with you for a very long time and plea with you as a one time courtesy to remove these lates off my credit file. Also, DO NOT put a dispute notation on my credit report please.
Consumer complaint received 2020-12-31
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (KS)

I previously filed a complaint against Home Point Financial for harassment by one of their employees, XXXX XXXX, who works in the Loss Mitigation Department. However, you closed the complaint simply because Home Point responded with the documents that they requested that we send them in order to process our loan modification request. But that doesnt solve anything. 

I provided them the requested documents on XXXX XXXX and called them on XXXX XXXX to confirm that they received them which they did. I was told that XXXX would be contacting us about our loan modification request. Unfortunately, we have not heard from XXXX or anyone else from Home Point. So I called to speak with XXXX and was the rep I spoke with refused. I told the rep that I had filed a complaint with you and she then advised me that because I filed a complaint that they were postponing the review of our documentation until XXXX XXXX. 

I feel as though Home Point is trying to take punitive action against me due to the complaint that I filed. When I requested XXXX phone number and email address the rep refused and offered to have me speak to a supervisor who never came to the phone after I was on hold for over 45 minutes. Home Point is our mortgage service provider and we are their customer. I feel Home Points actions to postpone reviewing our request is unjust and deplorable. 

Why should they be allowed to punish me when their rep, XXXX, harassed me daily for over a week? I didnt see any response to that part of the complaint from Home Point. I request that immediate action be taken to force Home Point to treat me fairly and review our request in a timely manner which they already failed to do the first time. Their actions are unacceptable and can not be tolerated.
Consumer complaint received 2020-09-16
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: Harris & Harris, Ltd. (IN)

Harris and Harris Ltd has a collection account on my credit report. The number they have listed to contact them doesnt work. Theres no way for them to verify the acct at all. I disputed it with XXXX to see if they had a different means to contact the company. The dispute took less than 6 hours. Somehow XXXX verified the account but I have no way of verifying it or even settling the alleged debt. Heres the number they have listed that DOES NOT WORK and has not worked for over a week XXXX
Consumer complaint received 2020-09-16
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: D2 Management LLC (FL)

I have answered questions, given personal information, explained I am at risk for Covid-19 and dealing closely with XXXX XXXX   such as XXXX XXXX at this time and do not want to be called. They questioned me about debt which was at least 12 years old. I have filed bankruptcy in XXXX
Consumer complaint received 2019-04-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (GU)

Every time I apply for A Citibank AAdvantage MileUp World MasterCard credit card, Citibank declines my application claiming that I have too many revolving credit accounts and they also levy a false accusation of too many delinquencies. My XXXX credit file is stellar for the last 7 years allowed by the Fair Credit Reporting Act. There are no collections, no public records, and no bankruptcies. Citibank has levied a false accusation and denied me my right to fair pattern and practice and credit. I have not filed bankruptcy and my credit payment history is near perfect. Citibank, understanding the rules and regulations within the Fair Credit Reporting Act, continues to willfully violate my FCRA rights and to discriminate against me by declining my credit card application. Citibank reviewed my XXXX credit report where I have only four accounts open and eight accounts paid in full with zero delinquencies. I have : OPEN CREDIT ACCOUNTS : XXXX XXXX credit card account. Balance : {$4200.00} zero delinquencies XXXX XXXX XXXX. Balance {$2600.00} zero delinquencies XXXX XXXX Credit Card. Balance {$200.00} zero delinquencies XXXX XXXX credit card. Balance. {$200.00} zero delinquencies My Income # 1 : {$3300.00} Veterans Administration My Income # 2 : {$1900.00} Social Security Administration My Total Income : {$5200.00} monthly {$62000.00} Annually My intent is to conduct balance transfer of the XXXX XXXX Credit Card balance and the XXXX XXXX  credit card balance to a new Citibank credit card. Citibank is depriving of my right to consolidate small debt. 

In violation of the Fair credit reporting act, Citibank attempts to retrieve old data that is beyond 7 years of age. The Fair Credit reporting Act restricts creditors to the most recent previous 7 years of a consumers credit history. 

I plea for relief from Citibank unfair pattern and practice. 

In addition, I was a victim of Identity theft 7 years ago. I have attached court document that dispute old accounts that are age 7 years and older. See attachments.
Consumer complaint received 2020-09-16
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc. (TX)

Santander informed me that this account was sold to XXXX XXXX XXXX.under applicable federal and state laws, once after creditor sell installment contact to third party collection agency they should not have any information about that account on their data base.however Santander provided what appears to be an alleged contract.this is fraud under all applicable federal and state laws.
Consumer complaint received 2023-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

To whom this may concern, In the year XXXX during the global pandemic there were 5 late payments published to my credit report. I sent in a Hardship letter to XXXX XXXX XXXX asking for my late payments from XXXX XXXX XXXX to be forgiven do to what I thought was the obvious as most of the world was not working and behind on obligations. I was not able to handle my obligations, however as soon as I was employed in XX/XX/2020 I quickly worked to diligently get back on track and handle all of my obligations as I have not had any late payments since then. I satisfied my obligations with XXXX XXXXXXXX XXXX  and they closed my account. I am a XXXX Veteran of the XXXX XXXX XXXXXXXX and I already have many other challenges on a daily basis with my body and mental health. This challenge I face here with these late payments on my credit report has hurt my ability to obtain credit and buy a home. I've asked for empathy and compassion to be given another chance to regain control of my life. Please and Thank You.
Consumer complaint received 2020-09-16
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PLAZA HOME MORTGAGE, INC. (SC)

We applied for a VA mortgage through XXXX. They sold the loan shortly after closing ; however, we were not informed until after we submitted our first payment. This check was cashed by XXXX on XXXX XX/XX/2020. Upon being informed of our new mortgage company, Plaza Home Mortgage, I reached out to them on XXXX XXXX. 

Original Message Follows : -- -- -- -- -- -- -- -- -- -- -- -- From : XXXX XXXX To : XXXX Subject : Previous Payment Confirmation Date : XX/XX/2020 XXXX AM XXXX Good Morning : I am reaching out to confirm our previous mortgage company provided you with a payment we made prior to us benign informed they had sold our mortgage to Plaza Home Mortgage. XXXX was atrocious to deal with and I have little faith that they will communicate with you all. I have attached a copy of the cleared check. If you can assist in ensuring this previous payment is credited to our account ( ending in ), I would greatly appreciate it. Please let me know if there is anything further you need to complete this process. Thank you in advance for your time. 

- XXXX They responded on XXXX XXXX : Dear XXXX, The account is current when we acquired the loan on XX/XX/2020. The next due date on the loan is on XX/XX/2020. If the payment you sent was for XX/XX/2020 due and mailed to your previous servicer, do not be concerned or stop payment on your check. We will work with XXXX XXXX XXXXXXXX XXXX to expedite the transfer of those funds to us. 

For your protection, we have removed any personally identifiable information from your original inquiry. If you have any further questions, please contact us through our website at XXXX or call Customer Care at ( XXXX ) XXXX during the following hours : Monday Friday XXXX XXXX ET XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX The situation has yet to be resolved. I have attempted to contact the mortgage company two additional times since XXXX XXXX but our account still has not been credited with the first payment made in XXXX.
Consumer complaint received 2020-09-16
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: Experian Information Solutions Inc. (GA)

I've disputed two accounts on my credit report several times with Experian and they have not been able to provide closure on this matter. I've sent several letters of validation to the creditors as well and has yet to receive anything validating this date. I've disputed with XXXX  and XXXX  and both have resolved my issues. I'm requesting CFPB assistance to have Experian follow suit and delete these accounts from my credit report. 

XXXX XXXX Bank account # XXXX SCA/Rooms To Go account # XXXX
Consumer complaint received 2022-01-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Zip Co US Inc. (CA)

This company was notified via mail by the attorney XX/XX/XXXX of the stop order because ch XXXX bankruptcy was filed. i also emailed them XX/XX/XXXX on five occasions of the bankruptcy and included case number and attorney information. My attorney also emailed and provided the case information. The company continues to automatically bill weekly and does not allow me to stop the automatic billing. When i called on XX/XX/XXXX, I was told the company has no bankruptcy department. 

attorney : XXXX XXXX XXXX
Consumer complaint received 2022-01-10
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Zip Co US Inc. (PA)

Zip ( Quadpay charged me for item not purchased, Ive repetitively contacted them past few months to cease and they still do not correct, cancelled now threatens to attach negative to my excellent credit file I paid it today to avoid negative info or collection activity, did not owe Extortion
Consumer complaint received 2020-12-31
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (WI)

I have opened 2 complaints here for Wells Fargo Mortgage on my home. Both were closed without satisfaction. I am STILL having issues trying to set up the new mortgage for my home with Wells Fargo under their forbearance program. 
I started this in XXXX of 2020 and its now XX/XX/2020. 
Wells Fargo has had numerous people on my account and it keeps changing. Everytime I finally get someone and call them back I can not get a hold of them and find out the person has changed. I keep getting wrong information and told someone will call me back. Wells Fargo originally blamed the VA for not accepting the new terms of the agreement but this has been completed a while ago and my forbearance is still pending. Now they say because of Covid 19 they are back logged in cases.

Meanwhile they told me things like no penalties and no reporting but I have found that to be untrue. As a penalty I have not been able to use ANY of Wells Fargo programs such as refy or even auto payment setup. Nothing can be done with my acct and no programs can be used. I can't refy with Wells Fargo or even any other bank until they are done and they just wont comply with the VA rules for this " forbearance '' issue. This was originally suppose to take 1 month at the most and its been 9 months. When is it going to end? There is an asterix on my credit report that reads I am in a forbearance program but does not say I have " missed '' any payments ; only that I am continuing to " work '' with my lender to keep my acct current. According to other banks I tried to do a refy with, I can not refy until that reporting is OFF my credit report. 
The fact that I have opened 2 previous complaints here and nothing has been done even after those complaints should finally show everyone that Wells Fargo has not been complying to the VA 's wishes when it comes to faithfully helping veteran 's with their home mortgages.
Consumer complaint received 2020-09-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC (WI)

XX/XX/XXXX Good morning, Were reaching out to you - once again - to bring to your attention, the manner in which Selene Finance has handled our loan modification. While were grateful that an offer was extended, the terms of this modification are absolutely unacceptable. The most obvious issue here is that there are two separate balloon payments which represent arrearages that have not been itemized {$71000.00} and {$34000.00} There is no breakdown, whatsoever, as to what constitutes either of these amounts There is also no mention, whatsoever, of the application of the SEVEN TRIAL PAYMENT PLAN PAYMENTS that we made, totaling {$7900.00} There is also an issue regarding Corporate Advances that Selene claims to have incurred from the transfer of our loan on XX/XX/XXXX, from XXXX XXXX. The amount claimed by Selene is {$7200.00} and after going through the charges, it appears as the actual number is only {$5300.00} These issues alone are troubling enough, but if we bring into question whether or not Selene Finance actually used the FHA Waterfall Guideline when modifying our loan. It's clear that we now have a loan with a full payoff amount that is nearly 225 % loan to original pre modification principle balance. There is absolutely no way that Underwriting could have signed off on this modification Of even greater importance, we've submitted TWO qualified written request letters, requesting an explanation of these issues and  the 30 day review period has passed- with no response. We spoke with them on XX/XX/XXXX, we were told that the itemization of these fees would be included in the FINAL Loan Modification documents - after we accepted and signed it Again, this is yet another violation of Federal Compliance Guidelines, as well as RESPA laws Were asking that you step in immediately and demand  that Selene explain themselves and take immediate corrective action. 

Pictures of all documents sent and received are included in this complaint. Thank you for your assistance with this and I'm available anytime to discuss this matter in detail XXXX XXXX XXXX
Consumer complaint received 2020-09-16
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: ALLY FINANCIAL INC. (NC)

I signed up for a savings account with Ally Bank and at the time they were offering a cash bonus if you put enough money in the account. I did that and over a month after the bonus was supposed to come still nothing. I didnt take out more than I invested initially and I followed the rules right on their website and even their FAQ. If there was any rules I didnt follow they were hidden and not even their customer support could find them to give me documentation of what I did wrong. They were just searching for a reason to justify themselves for not giving it to me even after I directed them to their own website showing that I did everything right.