davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-04
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (IL)

Hello- In XXXX XXXX I purchased a XXXX exercise machine using a a credit card from Synchrony Bank which advertised no interest or late fees if payments were made on time for the minimum amount due within the promotional period. Below is a table of my due dates, amount paid, and date the payment posted per my checking account statements. 





Due Date : X/XX/17 {$300.00} Post Date X/XX/17 -- Due Date : X/XX/17 {$300.00} Post Date X/XX/17 -- Due Date : X/XX/17 {$360.00} Post Date X/XX/17 -- Due Date : X/XX/17 {$600.00} Post Date XXXX -- For example I paid the XXXX XXXX due date on X/XX/17 in the amount of {$300.00}, and the XXXX XXXX due date on X/XX/17 in the amount of {$300.00}. As you can see I paid well above the minimum required and early, every month. 

I received my XXXX XXXX statement and saw I had been incorrectly charged a late fee of {$25.00}. I called Synchrony customer service on XXXX XXXX to try and rectify the situation. The customer service agent admitted they had not posted my payment of {$360.00} made on X/XX/17, which made my account flagged as late in their system. I pointed out all payments were made early, on time and well above the minimum amount required each month. They would not remove the late charge, but I insisted and they told me it had been removed. They have now incorrectly posted this to my credit score. I am now also responsible for interest payments because they have incorrectly flagged my account as late during the promotional period. 

I have paid early, on-time, and well over the minimum amount due. According to Synchrony 's credit card agreement, I would not be charged late fees, would not have a late payment recorded on my credit score, and would not be liable for interest within the promotional period. I have upheld the credit agreement I entered into, and now my credit score has been adversely affected by Synchrony 's error. They will not remove this record from my credit score.
Consumer complaint received 2017-09-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX credit report is reporting 2 accounts on my report that were to be deleted. The first one is XXXX XXXX XXXX 2nd one is XXXX. I have been disputing these accounts for over 6 months now and still nothing is being corrected. However XXXX did an investigation and it was proven that these 2 accounts be deleted off my report. XXXX should have received the same response from my dispute. I keep getting letters from XXXX that they verified the accounts belong to me and updated. This is completely wrong. I contacted corporate office at XXXX XXXX XXXX discussed the whole situation that these charges were not made by me. XXXX is out of business but sent me to collection. I 've tried contacting the collection agency and they told me there is no record of me in collection as the account is probably too old. All I no is I PAID in full the XXXX card. I 've disputed these accounts so many times with XXXX and now they will not allow me to re-dispute again unless I submit supporting documenation. This is not right as it is affecting my credit score in a very negative way. I feel XXXX is NOT doing a thourough investigation as if they did they would have received the same response as XXXX did to delete and remove these accounts off my credit report. I have previously uploaded copies from XXXX that these 2 accounts were deleted off my report. Transunion is not doing the right thing and to not allow me to re-dispute is completely wrong. I have 2 things on my report that DO NOT belong on there.
Consumer complaint received 2017-09-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (FL)

On XXXX XXXX, XXXX we broke our lease with XXXX XXXX. We paid in full according to the lease agreement and apartment mananger : XXXX XXXX, {$2100.00}. We have a copy of the check and the managers signature confirming lease was paid in full and we turned in the keys. The apartment complex is : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, FL XXXX In XXXX XXXX we start getting collection calls from National Credit Systems, XXXX XXXX XXXX in XXXX, XXXX XXXX XXXX XXXX we owed XXXX XXXX XXXX {$500.00} for unpaid rent in XXXX. We told him we paid lease in full and that manager confirmed by signing receipt and copy of our check. He warned we will have negative credit reporting unless we paid or sent him proof we do n't owe it. I confirmed he had same information we have showing lease agreement and copy of check. Before this, we have received nothing in writing from the apartment complex or his agency and have been repeatedly getting collection calls all hours of the day even at work. XXXX # is XXXX. We paid this in full and have proof and so does the apartment complex, we are baffled as to why they are pursuing unlawfully damaging our credit when we have copy of early termination lease agreement and copy of check with managers signature and her card stapled to it that she gave us the day we paid her and turned in the keys.
Consumer complaint received 2017-09-04
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. (KS)

As of XXXX XXXX, XXXX there is a derogatory mark appearing on my XXXX Credit Report from XXXX XXXX. However, I do not recall ever taking out any lines of credit from XXXX XXXX. 

Specifically in dispute are the derogatory marks for XXXX and XXXX XXXX. In accordance with laws governing credit transactions in Kansas. XXXX XXXX would have been required to be registered with the Kansas State Banking Commissioner under K.S.A. 16a-6-201. I have checked with the Kansas State Banking Commissioner and they were not licensed with the Kansas State Banking Commissioner until XXXX, meaning any contracts would be void, as they did not have authority to enter into any contracts in Kansas before XXXX XXXX, XXXX. 

Additionally, I allege any such loans are in violation of the Kansas Consumer Protection Act, Truth in Lending Act, the UCC and are void because they fail to meet the requirement of having an original signature as required by Kansas Law. 

Finally, as I do not recall ever entering into an agreement for credit with this company I also never recall giving agreement for my credit to be pulled or to have this company report to my credit bureau, which I contend would have to have an original signature.
Consumer complaint received 2017-09-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

As of XX/XX/XXXX there is a derogatory mark appearing on my Transunion Credit Report from XXXX XXXX. However, I do not recall ever taking out any lines of credit from XXXX XXXX. 

Specifically in dispute are the derogatory marks for XXXX and XX/XX/XXXX. In accordance with laws governing credit transactions in Kansas. XXXX XXXX would have been required to be registered with the Kansas XXXX Banking Commissioner under K.S.A. 16a-6-201. I have checked with the Kansas State Banking Commissioner and they were not licensed with the Kansas State Banking Commissioner until XX/XX/XXXX, meaning any contracts would be void, as they did not have authority to enter into any contracts in Kansas before XX/XX/XXXX. 

Additionally, I allege any such loans are in violation of the Kansas Consumer Protection Act, Truth in Lending Act, the UCC and are void because they fail to meet the requirement of having an original signature as required by Kansas Law. 

Finally, as I do not recall ever entering into an agreement for credit with this company I also never recall giving agreement for my credit to be pulled or to have this company report to my credit bureau, which I contend would have to have an original signature.
Consumer complaint received 2017-09-04
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: TD BANK US HOLDING COMPANY (PA)

Consumer HELOC opened XX/XX/XXXX on residence with XXXX XXXX XXXX with a rate of XXXX XXXX XXXX + 0 % starting at 3.25 %. A relationship discount of 0.25 % was active for a relationship banking account ( Checking & Savings ). I just noticed rate has increased the past few statements as XXXX XXXX has increased which is appropriate. I am no longer noticing my relationship discount of Prime -  0.25 % as indicated in my loan contract with TD Bank even though I am eligible for this discount having both checking & savings account. Last statement received rate was 4 % and prime rate was 4 % hence no discount applied. I was concerned that for this statement and many others I have been being overcharged so I emailed TD Bank for a response on XX/XX/XXXX. I was contacted by 3 individuals within the coming days to let me know that an answer was on the way, but no answers provided. On XX/XX/XXXX I received a USPS mailed letter response from XXXX XXXX of TD Bank explaining that my rate was correct at 3.25 % (??? ) and I was not being overcharged. She additionally told me to pay my outstanding balance which at that point was already paid with 20 days to spare. The letter was clearly inaccurate as she stated my rate at 3.25 % and she was not properly informed on the situation. I contacted XXXX XXXX, Consumer Loan Department, of XXXX XXXX XXXX on XX/XX/XXXX asking for assistance on this situation and still no response as of XX/XX/XXXX. I have received a leter from XXXX XXXX also explaining that all is well which is also incorrect. XXXX 's letter told me to " feel free to reach out to her '' which I have done 3 times over the course of 1 month with no response. I am concerned that TD Bank is not billing me as agreed upon in our HELOC agreement and I may be overcharged on this month 's statement and many others. At this time I am only requesting a educated response from TD Bank and 3 months later and 6 people have not been able to provide. Any support / feedback on this issue would greatly be appreciated. Thank You.
Consumer complaint received 2017-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: World Acceptance Corporation (NC)

On XX/XX/XXXX, I opened a installment loan with World Acceptance Corporation in XXXX, Alabama. I fell behind in the monthly payments and the account was placed in a collection status. I paid the account off on XX/XX/XXXX via telephone. However, on XX/XX/XXXX, after reviewing my credit reports from the three reporting agencies, I noticed that there was inaccurate information reporting from Colonial Finance Company. I contacted the corporate headquarters in XXXX, South Carolina via mail and requested that they update the accurate information to my credit report, showing a zero balance and paid status. I understand that the account was placed in charge off status, however the Compliance Manager ; XXXX XXXX wrote correspondence to me via mail that my request will not be granted and that the information reporting to the credit reporting agencies is accurate. I have a invoice ( paid ) attached to this complaint.
Consumer complaint received 2019-02-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: HSBC NORTH AMERICA HOLDINGS INC. (SC)

Date of Call - XX/XX/2019 HSBC will not allow me to close my account because their online banking bank to bank transfer portal crashed while trying to set up a bank to bank transfer weeks ago. I was flagged as fraud and had to call to remediate the issue. Instead of trying to setup the bank to bank transfer, I asked that they close my account and send the proceeds via official check to my address on file. Was transferred 5 times to different people within their customer service or fraud department, and indicated that they could not close the account until the fraud case was closed. They asked me several times if the account I was trying to link was mine and owned by me, and then said the only way they could close to account was to provide a complete statement showing the account details and titling at the other bank. I refused to comply with this request and asked if they could reset their system for me to link on my own, and they said I must provide the statement. 

During the process of this call, over 2 hours, they cancelled my debit card and removed wire transfer ability from my account. One gentleman apologized but said he needed to suspend my account until I provided evidence I owned the other account that was attempted to be linked, even after I authenticated several times over the phone and provided additional security information via email and mobile phone. My account has less than 10 transactions in it and was almost a year old. Account was opened to have an additional account while taking advantage of a {$200.00} incentive for opening, but little other activity had taken place. Continued to tell me that they needed to review the details of my account, however indicated that I could not receive my funds until they saw the other account I was trying to link. 

I ultimately provided the statement details from my other bank, as they indicated they could not reactivate the account until " the system '' knew the information was correct. Had to send a copy of my statement ( or voided check ) from a completed unassociated bank ( never ultimately linked this account ) via unencrypted email to the E fraud prevention email at HSBC. After that they again rerouted me back to customer service where they insisted I keep the account open.
Consumer complaint received 2017-09-04
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. (NY)

XXXX is still reporting inaccurate information on my credit report XXXX XXXX XXXX account was to be deleted along with XXXX XXXX/XXXX should have been deleted. I have been disputing this for months now and it was verified from another credit reporting agency to delete the information. XXXX should have received the same response. They just keep updating the information. This is probably my 10th complaint about XXXX. It is ruining my credit score. XXXX also is not reporting a new account that I opened recently XXXX with a {$500.00} credit line. I used the card up to {$410.00} then paid the card in full to a XXXX balance. I contacted XXXX and was told they report each month to the credit bureau. I have 2 accounts now with XXXX and stills the new account is not reporting. Paying this card off to a XXXX balance should help my credit score. I contacted XXXX and got nowhere. I am submitting this complaint in hopes they will finally delete like the other credit beurou did. They are ruining my credit worthiness.
Consumer complaint received 2017-09-04
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. (MN)

I am a victim of identity theft. I filed a police report with the XXXX XXXX Police Department and sent a copy of the police report and case number to Trans Union, XXXX and XXXX in regards to a fraudulent account and hard inquiry listed on my credit report. The following fraudulent account and hard inquiry do not belong to me : XXXX XXXX XXXX XXXX XXXX, {$5100.00}, XX/XX/XXXX, XXXX XXXX XXXX  XXXX, XX/XX/XXXX
Consumer complaint received 2019-02-22
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: Capio Partners, LLC (FL)

I'VE SENT NUMEROUS OF POLICE REPORTS OF MY IDENTITY THEFT REPORT AND THE CREDIT BUREAUS REFUSE TO CORRECT THE INFORMATION ON MY REPORT AND IT WAS NOT ME THAT DID THESE FRAUDULENT TRANSACTIONS ON MY REPORT.
Consumer complaint received 2017-09-05
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (CT)

I had a verified phone number on my Coinbase account. I added 2FA ( two factor authentication ) using XXXX XXXX. Everything was working fine. 

Then, for security reasons, on XXXX XXXX, I removed my phone number from my account. I only wanted to use XXXX 2FA for security. 

Now, when I try to buy/sell, Coinbase requires me to add a phone number. When I do, I never receive the SMS code and thus can not verify my phone number and can not buy/sell. Customer Support is not responding. I am thusly unable to get access to my existing Litecoins to sell and can not buy any new cyptotokens.
Consumer complaint received 2017-09-04
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AK)

I have asked repeadly for Portfolio Recovery to stop contacting me on my cell phone and at my work. I have written a letter as well for them to stop and they wont. I have vocally asked them to stop contacting me as well. Due to the statue of limitations, it is expired and the debt is not on my credit anymore.
Consumer complaint received 2017-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (SC)

I had a XXXX credit card account that I disputed with the collection agency who was reporting it. After investigating, the collection agency sent me the results of the investigation and concluded that they were closing my account. The company stated they filed a Universal Data Form electronically requesting that the three major credit reporting agencies delete their trade line for this account on your credit reports. This was in XX/XX/XXXX and the credit bureaus removed the account. But it has appeared back on my credit report in the last year or so. I have disputed this multiple times with the credit bureau and explained that this should not be on my report because I do not have knowledge of the account. I sent certified letters XX/XX/XXXX to XXXX and XXXX and disputed online with Experian requesting that they delete this inaccurate information. They bureaus refuse to delete the information from my credit file.
Consumer complaint received 2017-09-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (CA)

Hello I like to file a complaint about Discover Card. 

I received a letter from discover card saying Im pre-approved for a personal loan for {$28000.00}. Next day I called Discover Card and they asked me what the money is for I advised them I was trying to pay off my other high interest credit cards and just have 1 payment every month. They asked me how much I owe I said {$25000.00} then they asked how much I make and I told them {$50000.00} and they said anyone in the house hold I said yes my husband and they asked how much does he make I said {$120000.00} they said I am approved. Then they asked me to send them pay stubs I did. My husband pay stub was showing {$93000.00} but then I called them and said no his XXXX shows {$100000.00} because he gets bonus every year and its {$100000.00} they asked me to send his XXXX so I did, I got a phone call 2 days after that they said sorry you dont qualified. My issue is I didnt want and hard pull on my credit and the agent insured me that its not a hard pull until the loan is approved so here I am with no loan to pay off my other credit card and I have an extra inquiry on my credit report. I asked them to give me a smaller loan they said they are sorry and they cant help me. 


Thank you XXXX XXXX
Consumer complaint received 2017-10-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc. (PA)

On XXXX XXXX, XXXX I obtained a Chapter XXXX discharge. I own my home and have a mortgage serviced by Seterus. In spite of the bankruptcy I filed a Statement of Intention that I wanted to retain the home and make mortgage payments. Since the bankruptcy concluded in XXXX, XXXX I have been making mortgage payments and I believe I am current. 

However, Seterus refuses to resume sending periodic statements to me in spite of recent written requests. My most recent written request was on XXXX XXXX, XXXX. On XXXX XXXX, XXXX XXXX wrote back that they are voluntarily refusing to send monthly statements to me. This refusal is wrongheaded as it makes it more difficult for me to stay current with payments and it violates the most recent Reg Z Amendments XXXX which require mortgage servicers such as Seterus to send the statements upon request. I assume Seterus 's actions are based upon company policy and impact every other former chapter XXXX debtor which has a loan serviced by Seterus that wants to keep their property.
Consumer complaint received 2017-09-03
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (TX)

I called into Navient and explained to them i could n't afford to make the payments. I informed them that I am willing to make payments and I was n't trying to neglect making payments. But I first needed my payments to be reduced down to a more reasonable payment so I could afford to make the payments or that works more with my income. 

Navient was uncooperative in helping me and refused to lower my payments based on my income. Plus I was a student at XXXX XXXX and I feel that I was taken advantage of, because I was unaware that I even had the private loan taken out. It was n't properly explained to me.Now I am struggling to make payments and I do not want this to mess up my credit and my future.