davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-02
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Bliksum, LLC (CA)

I took out an online loan in the amount of {$5400.00} on XXXX/XXXX/2015. I have since paid a total of $ XXXX-with monthly payments of {$490.00} ( and XXXX still due ). When speaking to the rep on the phone I was advised the interest rate was 110 %. In later review of the loan docs I am finding that is an annual percentage and the total amount paid back ends up to be {$42000.00}, this is obviously not what I thought I was in for. In recent research I am finding these types of loans are not only unethical but illegal in the state of CA, Please review to determine if anymore than the principal balance is legally due. I can not pay $ XXXX and not sure how to proceed.
Consumer complaint received 2015-04-15
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL (NJ)

I cancelled my Amazon.com Store Card about 6 weeks ago via telephone contact. I made purchases from Amazon.com online in XXXX, 2015. I selected Visa for my payment method for each purchase. I just got a bill from Synchrony XXXX for the purchases that I made. Synchrony XXXX is the processor for the Amazon.com Store Card. I contacted Amazon and they told me thatXXXXXXXX My Store Card was still active. 
XXXX That when you have a Store Card no matter what payment type you select the purchase is automatically put on the Store Card. This is called " HIJACKING '' and is illegal. 
I never signed up for an automatic purchase default to the Store Card. 
I hope the Federal Government deals harshly with Amazon.XXXX
Consumer complaint received 2015-10-30
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: SYNCHRONY FINANCIAL (OR)

Synchrony Bank lowered my available credit on my Mens Warehouse credit card without notice. Went in to purchase some new clothing based on a promotion the Mens Warehouse was running if I used my Mens Warehouse credit card. I have always had over a XXXX limit. I purchased XXXX and ran my card it was denied. Store called Synchrony to find out what the issue was? After waiting over 10 minutes Synchrony ask to speak with me. I told them I always had over XXXX available, but had not used the card in over a year. It had a XXXX balance. Synchrony told me my new credit limit was XXXX. When I asked why they said because my account was flagged for review and my credit history from the credit reporting services was used to make their decision. My average credit score from the big XXXX have my credit score between XXXX-XXXX. 

Again no letter stating that they took this action before hand or any reason or information as to why they did this? 

In researching Synchrony Bank formerly GE Capital many people have the same stories. 

Is there any help you can provide me related to this matter? 

Thanks, XXXX XXXX
Consumer complaint received 2017-03-27
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL (TX)

I had a Rooms To Go Synchrony Bank credit card that I obtained around 5-6 years ago. I have made two big purchases and paid off the items per terms. I went in yesterday to make another large purchase. The sales-rep asked for my license to ensure I still had an account. I said oh, I am certain I do. I log in to the website to pay a different card all the time and I see my Rooms To Go Synchrony Bank credit card still. It says I have an available limit of XXXX. She said, oh, we still need to check because they close them out all the time but do n't notify you or update their system. I thought to myself ... no way! That would be ridiculous. Well, sure enough. That 's what happened. They closed out the card without notifying me. I called to see if what the rep said was correct and Synchrony Bank verified that the card had been closed last year in XXXX. I was not notified and she said this was their normal practice. If the card is not used for a period of time, they simply close it out without any warning. I was very upset because this can have an impact on my credit score. It was one of my long standing credit limits and I did nothing for it to be closed. No one asked me if they could close it, notified me that they were or had my authorization to do so. I asked the rep to re-open the card. She stated she could not but I could simply reapply. Well, re-qualifying is n't a problem but I do not like the fact they will have to re-pull my credit ( causing a new inquiry ) and it will appear as a new credit line ( effecting my credit score ). I am very unhappy with the way this was handled. I chose their location to make my purchase because I already have a card with them -- and this is how they repay me? Very dissatisfied. I want my old account re-opened so I can make this purchase. If they can not, I will have to spend XXXX elsewhere.
Consumer complaint received 2017-02-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (VA)

I called XXXX the end of XXXX and I was informed by the agent that Deutsche Bank National Trust was the investor for my mortgage ( loan number XXXX ). I called Deutsche Bank National Trust ( using the phone number provided by XXXX ) and was directed to speak to XXXX. I wast told that he handled the mortgages handling for the state of Virginia. I reached out to XXXX on XX/XX/XXXX via fax to explain my concerns and issue with identification of the investor on my loan and the negotiated payoff offer. I left several messages over the next few days and then spoke to XXXX directly the first week of XXXX. He explained that " XXXX continues to makes mistakes by misinforming their customers that Deutsche Bank National Trust is the investor on their mortgages. '' He continued " we have issue with XXXX sending people out was with the wrong information and I may be able to help identify who the correct investor is on your mortgage ''. After this conversation we shared the following email correspondence forwarded below in this email. I responded to XXXX email with the information provided, however he has not returned my phone calls nor responded to any follow-up emails. I reach back out to XXXX escalation department several time and they continue to identify Deutsche Bank National Trust as they investor, however they continue to deny that fact.
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my FICO score.

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.
Consumer complaint received 2016-03-25
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Convergent Resources, Inc. (CA)

I just received a " Settlement Offer '' from a collection company which I never had any contact with them on an unknown debt in the amount of {$55000.00}. 
I have asked them to show me some documents if they think this is my debt but have got nothing, no reply.
Consumer complaint received 2015-04-13
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Convergent Resources, Inc. (FL)

Convergent continues to send me collection letters and calling my cellular phone after being advised that the debt they are attempting to collect is more than the 4 years for the state of Florida. XXXX account is for a balance of {$17000.00} which was first delinquent on XX/XX/XXXX which is more than 13 years old and also received a pre recorded call on XX/XX/XXXX at XXXX. In addition received another collection notice from same agency for an amount of {$160.00}.
Consumer complaint received 2016-01-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BB&T CORPORATION (LA)

I sent the Branch Bank and Trust a payment of XXXX on the XXXX of XXXX 2016. The bank applied XXXX dollars to my loan and put the rest in there little hole. This is the XXXX time that this bank as done this to me. I filled out a complaint before but did not follow thru but I am going to follow this XXXX thru, the bank is stealing money my not applying the full amount to loan and holding it.
Consumer complaint received 2015-08-21
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

Please allow me to introduce myself, my name is XXXX XXXX. I have a legacy of issues with Specialized Portfolio Servicing XXXX SPS XXXX. This company is far from being a competent, fair and honest mortgage servicer. 

I have a history of the SPS miscalculating and property tax escrow funds. As a result, a local Georgia out sourced collection company XXXX XXXX has taken the negative action of placing a property lien on my property without notifying me prior. I only received a tax lien noticed from XXXX without prior communication or warning. SPS did communicated to me on this matter. 

In XXXX of 2015 I received a large check from SPS due to a miscalculation of my mortgage payments when my mortgage servicing was transferred from XXXX Mortgage. I received no interest or compensation for this error.
Consumer complaint received 2016-10-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Selene Finance LP (FL)

After the transfer of my mortgage loan from XXXX XXXX to Selene Finance. A payment was not credited to my account. Furthermore, the loan, at the time of transfer was in payment 4 of a trial loan mod. All of the payments had been made and cashed early : between 8 and 26 days early. Instead of receiving permanent modification documents we received notice of the transfer of the loan to Selene Finance. We continued to make payments under the terms of the modification. Selene offered a modification but with terms substantially different than those in the program we were in. The terms are very unfavorable to us with the interest bearing amount they want being {$170000.00} on a principal balance of {$100000.00} and a house valued at {$110000.00}. They now have rescinded even that offer and have asked for the total amount due because they say that payments are late. In fact all 9 payments have been early - an average of 22 days. Selene Finance has not credited one of the payments - that for XXXX, and therefore they are saying XXXX, XXXX, XXXX and XXXX were " late. They returned the XXXX payment which was made XXXX XXXX and returned XXXX XXXX. They have rejected the payment because they will not accept a partial payment and want the entire delinquency. After the transfer we contacted Selene several times using for a permanent modification under the terms we were offered. They have this trial modification documentation. I know this because they sent it along with other paperwork to us. We have asked them, in writing, for an accounting several times of the Attorneys fees and corporate advances totalling over {$10000.00} together. To date we have not received and answer.
Consumer complaint received 2016-10-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (NJ)

I have a mortgage now with Ditech and made use of the bi-weekly service. In XXXX I opted out due to being on strike in fear that I may miss a payment, proud to say I did n't miss a payment. The mortgage payment I had paid in advance I found out the Rep applied to my principal without my knowledge. They explained they would apply it to my XXXX mortgage. It still has not been done. I am very worried about this situation.
Consumer complaint received 2015-09-11
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (MD)

I had a XXXX mortgage with XXXX XXXX XXXX, in XX/XX/XXXX I fell behind due to the mortgage crisis and me being a lender myself. I also had a XXXX mortgage I fell behind on. Green Tree Mortgage bought my XXXX mortgage from the XXXX lender, the note amount was for XXXX, Green Tree offered me a buyout settlement for XXXX, I was told by my lawyer not to accept it. Green Tree then bought my XXXX mortgage from XXXX XXXX XXXX, time after timer after time I would speak to Green Tree about a modification and then would send out a packet. I would then ask them what the XXXX mortgage payment would be in addition to the XXXX mortgage. Every single time and it just happened today the Green Tree rep would say " YOU DONT HAVE A XXXX MTG '', this is not true I do have a XXXX mortgage. This has gone on for years and years, they can not nor will they provide any info on my XXXX mtg. I was called XXXX time and the rep said " It was forgiven '' I was then called a few months later and the girl insulted and laughed at me when I said someone told me it was forgiven. I am a single father of XXXX and this has been so emotionally draining on me. I want information on what my XXXX mtg payment would be if we did a modification they they never ever give me that info. I even went to mediation with a judge and the lawyers for Green Tree in XX/XX/XXXX and the judge asked the lawyer about a XXXX mtg. The lawyer said he was not aware of XXXX. The judge had the lawyer call Green Tree on the phone and ask about a XXXX mtg. He was on hold in front of the judge for XXXX minutes. Someone from Green Tree finally confirmed there was a XXXX mortgage. The judge then asked if Green Tree would guarantee not to foreclose on the XXXX mtg if I agree to the first mortgage modification, Green Tree responded " No they could not guarantee that ''. The judge then told me not to accept the modification offer since they could come a month later and foreclose on the XXXX mtg. I have tried over and over to get information and Green Tree refused to provide anything. It is a Federal law that they have to provide a borrower information within 30 days of a request on an account, they have violated this law over and over. I have been harassed, spoken down to insulted for years by Green Tree I want an answer about my XXXX mtg. Please HELP
Consumer complaint received 2015-12-31
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I am sending you the facts of my Consumer Financial Protection Agency complaint against your company, in the hopes that you may use the information to conduct your business in a less predatory / more honest way. 
In 2015 your insurance was added to my account without my knowledge or authorization, resulting in monthly charges of XXXX, totally {$350.00} at present. 
My husband, who is authorized to discuss my mortgage account but not make changes to it, attempted to make a claim, describing to your agent a sewer line problem in our house. After several weeks, your company was able to dispatch a plumber to our house who said the problem could not be addressed because the pipes were not " accessible '', but still charged us {$85.00} for the visit. 
My complaints are : 1 ) The insurance was added to my account without my request 2 ) When service was requested, it took 3 weeks to get a response 3 ) When response was made, a plumber was sent even though the condition was falls within the very broad and very subjective exclusions in your policy regarding " inaccessibility '' of pipes, etc. As if the representative was aware that the issue was not covered, they listed the problem as a water line problem when it was clearly stated twice to be a sewer issue. 
I request : 1 ) Immediately stop charging my Ditech account for the property at XXXX XXXX, VA XXXX 2 ) Refund of {$350.00} I was improperly charged for nearly fictitious insurance, which in any event was not available in a timely manner when it was requested 3 ) Refund of {$85.00} we paid as a result of the incorrect and deliberate dispatch of plumber for issues that were obviously not covered Were you ( or an external regulator ) to impose transparency and integrity on your practices, attention should be paid 1 ) how customers are signed up ( a signature or voice recording would be advisable ) ; 2 ) how exclusions are disclosed upon sign-up and upon service requests.
Consumer complaint received 2015-09-30
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (NY)

I have discovered the Assignment of Mortgage on my loan was robo-signed by robo-signer XXXX XXXX. 
Robo-signing is illegal in the State of New York. The Assignment of Mortgage executed and recorded/filed on XXXX XXXX, 2011 on my loan was robo-signed by known robo-signer XXXX XXXX. XXXX XXXX was not an employee XXXX XXXX XXXX XXXX XXXX XXXX at the date of the signing and XXXX Bank, XXXX did not exist on XXXX XXXX, 2011.
Consumer complaint received 2016-11-08
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (CO)

Equifax has been reporting false information on my credit report since XXXX XXXX that has prevented me from renting an apartment. They have XXXX collections listed from XXXX XXXX XXXX / XXXX. This information was previously deleted via a dispute in XXXX XXXX. Equifax continuously states that the company ( XXXX ) is verifying the information that account belongs to me but fails to provide any proof of the alleged debt and method of verification. I have sent in documents directly to Equifax showing that the account that is reporting the information does not match to what XXXX is claiming and the original creditor is XXXX XXXX and it does not match that of XXXX. I have requested a signed contract that has my signature showing that I agreed to terms with XXXX communities which both Equifax and XXXX have failed to provide ( because it does not exist ) yet both Equifax and XXXX do not provide any additional proof and these XXXX negative collection entries remain on my credit report.
Consumer complaint received 2016-11-01
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Stark Collection Agency, Inc. (WI)

XXXX charged off and closed a credit card account XX/XX/XXXX. Since then it has been sent to collections three times. It was sent XX/XX/XXXX, XX/XX/XXXX and again in XX/XX/XXXX.The collection agency that has this account is XXXX XXXX. The collection agency has re-aged this account according to the original creditor 's date of first delinquency. The credit card account has also been closed and charged off. XXXX XXXX continues to increase the amount owed stating that interest is accruing. The amount has increased from {$720.00} to {$1000.00} to {$1100.00} and now {$1700.00}.
Consumer complaint received 2016-08-14
Product: Debt collection — Payday loan
Issue: Communication tactics — Called after sent written cease of comm
Company: WLCC (MI)

they sent a fax to the head of HR and accounting at my company with a fake wage garnishment form. luckily she realized it was fraudulent and illegal before sending it through to garnish my wages. I sent them an e-mail, fax, and certified letter telling them to cease and desist all contact with me and my employers. they continue to call and send e-mails to my company e-mail threatening to send another fax to garnish my wages. i received one of those emails agian today. i have included the latest e-mail. i told them to stop this harassment back in XXXX.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

f you continue to disregard my demands for compliant reporting practices, I will consider this letter as an official notice prior to my petition for a writ of review in civil court. As the injured consumer of your inadequate reporting practices, I contest your assumed reporting privileges for any and all of your challenged claims in this consumer complaint. I demand that you demonstrate your compliance with state and federal reporting mandates, including the XXXX, FCRA, ECOA, and any applicable laws in my state. I am concerned that your claims may not adhere to industry standards for legal and ethical reporting, particularly in relation to the XXXX XXXX Data-filled Field Formatted Reporting Standards, per XXXX. 

Upon reviewing my personal consumer credit report, I have noticed questionable and/or inadequately reported data in my file at your company 's office. I am confused as to how and why this information has been populated or repopulated into my credit report profile, and whether or not I received the required 5-day notice of its return to reporting. Per the FCRA, any item previously removed can not be reinserted into a consumer 's credit report without written notice to the injured consumer within five business days. I have not received such notice, nor have I received any evidence of the accuracy and completeness of your reported claims. Your failure to remove these claims is a violation of my consumer rights and is unjust. 

Your agency is in violation! 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.
Consumer complaint received 2016-03-21
Product: Credit card — 
Issue: Advertising and marketing — 
Company: DISCOVER BANK (LA)

Discover prepaid card said on their website they would approve me if I made a deposit. They lied and left a negative query on my credit report. They asked for information about my identity and I provided it ( a XXXX with all of my information on it! ) and they still denied me. I went through a lot of trouble to get this and all Discover did was hurt my credit report and harvest information about me! violating privacy laws and being a creepy, lying comapany. 

reference number : XXXX