davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-31
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (GA)

I made a series of purchases with a Synchrony Bank Care Credit card, all of which were made over the course of three weeks in XXXX of XXXX. 

All four purchases were promotional purchases made with a deferred, no interest charged due date. When I made these four purchases, at the same place of business, no one at any time explained anything about the following, nor did I receive any phone call from Synchrony explaining the following, nor is there any information on any monthly statement I've received from Synchrony concerning the following. 

Upon receiving my XX/XX/XXXX statement, I noticed that the previous payment, instead of being focused on paying off one or both of the promotional purchases that were coming due in XXXX of XXXX, that the payment was spread out among all four promotional purchases. I had established within my budget a series of payments I was going to make to pay off the purchases whose promotional dates were due in XXXX of XXXX before any deferred interest charges were applied. 

I called Synchrony 's CareCredit card phone line and talked to both an operator and a supervisor on XX/XX/XXXX. It was during this phone call that I had explained to me FOR THE FIRST TIME how the payments on these promotional charges were actually being applied, that in fact any payment I sent in would be spread out among the four promotional charges and that I could not specify that they be made to just one or the other. Both the operator and supervisor stated that this was bank policy and that they could not change it. 

This is a deceptive practice that is in violation of the CARD Act of 2009, and an agreement that was made by Synchrony Bank to the CFPB in XXXX on this very practice. 

I have sent a letter to Synchrony explaining that I want my XXXX and XXXX payments to go exclusively toward the two promotional balances that come due in XXXX of XXXX, and that I was issuing a complaint over this to CFPB as well. I will attach the letter in .doc format to this. I can also send a hard copy of this letter to CFPB if necessary, along with a copy of my monthly CareCredit card statement if necessary.
Consumer complaint received 2021-01-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (IA)

The week of XX/XX/2020 I rented a vehicle with XXXX XXXX from their XXXX XXXX office. The amount of the rental according to the reservation was {$290.00}. However, without disclosing the extra fee, the clerk added an extra driver ( who never drove the car ). She tacked on the surcharge of {$100.00} without showing me the charges or offering me a receipt. I never signed for these charges nor saw a receipt until returning the vehicle. Upon inspecting the document XXXX claims I allegedly signed, the signature does not match any known signature of mine. I was suspicious that XXXX XXXX XXXX had engaged in fraudulent activity and contacted my credit card, XXXX, to partially dispute the charge ( I was happy to pay the amount for which I had reserved the vehicle ). I sent documents showing that my signature did not match on the higher charge as well as photographs of the paper receipt I was given ( the only docuemtn ) showing the original charge of {$290.00}. XXXX agreed that this activity was duplicitous and partially charged back the fee. 

XXXX requested payment for the remaining amount in early XXXX. Using the FTC 's suggested letter for disputing a charge and seeking an investigation, I wrote a letter and provided documentation as I did in the XXXX dispute. This letter and packet of information was mailed via certified mail to XXXX 's billing department on XX/XX/2020, for which I have a receipt. I never received a response from XXXX via mail as I believe is required by the FTC. Instead, I received notice in a letter dated XX/XX/2020 that XXXX had sent the debt to be collected by XXXX Debt Collection agency, having not sent the required response to me concerning my right to investigate the debt and fraudulent activity I reported.
Consumer complaint received 2020-11-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (GA)

I was at XXXX XXXX XXXX in XXXX, Ga for my nephews birthday. I used my card at the counter to purchase a play card. My Chime app would not allow me to log-in account so I could turn back off my debit card ( I always have it turned off when Im not using it ) .I was not able to log in, due to Chime app saying they were experiencing issues. I tried to log-in approximately 5 minutes later, which was successful. I logged in to find that my money from my Chime secured card, and my savings had been transferred to my checking account. From my checking account {$300.00} was then transferred to someone who I do not know. This all happened within 4 minutes of swiping my card at the counter of the XXXX XXXX XXXX. The transaction states it was sent to a user on the chime app with the username XXXX, for dinner. I NEVER authorize anyone to use my Chime account, I do not give out my passwords, etc. I am a victim of theft. Not only am I a victim of theft I believe that the Chime bank has been hacked this entire weekend. They keep stating they are experiencing issues and not allowing me to login to my accounts appropriately. I have requested new account numbers, etc., which they have not provided me with. I believe that Chime is also responsible for not properly providing security protection for consumers like me.
Consumer complaint received 2020-11-02
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: Experian Information Solutions Inc. (FL)

id theft victim this account is not mine XXXX Opened XX/XX/2019 {$350.00} Original creditor : XXXX XXXX XXXX i have free cable through my moms work
Consumer complaint received 2019-10-08
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (RI)

So my mortgage conpany is fredom mortgage. They are trying to tell me to pay XXXX now or break it up $ XXXX month for year for '' anticipated '' escrow being negative. They are any many other companies especially in XXXX RI are stating they want escrow upfront. XXXX  town hall charhes quarterly i went to town hall they stated that has not changed. The letter i received stating pay now or up {$200.00} starting XXXXwas received last week! I struggle paying XXXX month now XXXX month is going to be difficult. I know some have fixed thru this site and some fighting with their company. I am at a loss and do not want to lose my home. Ty XXXX
Consumer complaint received 2021-01-03
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In the late evening of XX/XX/XXXX at around XXXX I discovered someone had been withdrawing sums of {$1000.00} from my EDD prepaid Bank of America debit card, for three days in a row. Amounting in a total of {$3000.00}. When I saw the fraud posted on my account I immediately called the Bank of America card services to stop the card and send a replacement. The lady who helped me mentioned the person who has been withdrawing money has been doing it at my local branches ATM. The BofA on XXXX and XXXX XXXX That is also the only location I used, I withdrew money with my ATM card on XX/XX/XXXX in the afternoon. I think they did it there to not cause any fraud flags on my account. I did not authorize these transaction nor do i know who did them. I have started a claim ( Claim : # ************** ) with Bank of America Prepaid EDD card services and have filed a police report DR NUMBER : ************. 

Today I received a disheartening letter dated XX/XX/XXXX that Bank of America has closed my claim. Without including any information or reason why. The letter was sent before I had done any of the paperwork, they said they would send, and the letter was sent before I had faxed the police report. I faxed the police report XX/XX/XXXX XXXX. I am faxing a letter to Bank of America Claims Department to request they reopen my claim.

Currently I am locked out of my EDD Bank of America account and can't access my remaining balance or the money being deposited by the EDD. Bank of America said to call EDD, I called EDD they said to call Bank of America. Bank of America said wait 6-10 days, that EDD has to verify my identity. I have been waiting and have called an additional time, I changed my cell phone number in XXXX and wanted to make sure they had the up to date information. 
My soul hurts and it feels like a woke up in XXXX.
Consumer complaint received 2019-12-08
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. (FL)

disputed the inaccuracy showing on my credit with this lender and they fail to update or remove the account if they can't verify the accuracy. this account is a charge off account but still reporting late payments which is a violation. XXXX  sold the account to a collection agency but still showing a past due and both times after disputing with XXXX  and the bureaus they sent back letters saying the account as been verified but yet still the inaccuracy is still being reported on my account
Consumer complaint received 2019-12-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (TX)

My mortgage was transferred from XXXX XXXX to Select Portfolio Servicing. I was unable to initiate any online account with the account number I was provided by Select. Select 's customer service was horrible. I initiated an immediate refinancing of my mortgage back to XXXX XXXX. My mortgage loan funded on XX/XX/2019. On or around XX/XX/2019, I began receiving harassing phone calls from Select Serving demanding on " get on the same page in regards to my late XXXX mortgage payment. I demanded a supervisor and informed Select Serving the only page I needed to get on was when I was going to receive not only the my first mortgage payment of approx. {$1200.00} but my escrow account of over {$6900.00}. Not only was I told a check would be cut within a week but my mortgage broker has been in touch with the department responsible for sending these types of refund checks and told the same. My mortgage broker has called Select Serving everyday and everyday we are told the check is going to be cut. To date they continue to hold my money hostage and refuse to send the check. Select Serving did not have full control of my mortgage loan when the refinance went through therefore, they are not entitled to utilize my escrow monies. My mortgage broker provided his credit card so the check could be sent overnight to me. Please help me get my money from the company. They should not be allowed to do this to anyone. XXXX XXXX
Consumer complaint received 2020-07-01
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: Experian Information Solutions Inc. (AL)

I am sending this afidavit again. This is my SECOND TIME sending this affidavit. I am a victim of IDENTITY THEFT. I should not be suffering with my credit because THESE companies allow people to open up accounts that i have no knowledge or gave any consent for anyone to do. This is my last attempt to reach out to the credit bureaus becuase my next step will be the attorney generals office. Please remove these fraudulent accounts an stop further victimizing me by inaccurately reporting these accounts on my behalf.
Consumer complaint received 2020-07-01
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: EQUIFAX, INC. (AL)

I am sending this afidavit again. This is my SECOND TIME sending this affidavit. I am a victim of IDENTITY THEFT. I should not be suffering with my credit because THESE companies allow people to open up accounts that i have no knowledge or gave any consent for anyone to do. This is my last attempt to reach out to the credit bureaus becuase my next step will be the attorney generals office. Please remove these fraudulent accounts an stop further victimizing me by inaccurately reporting these accounts on my behalf.
Consumer complaint received 2020-07-01
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX, Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX  XXXX  XXXX XXXX  XXXX XXXX   XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX   XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-12-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credence Resource Management, LLC (NY)

On XX/XX/2019 XXXX & XXXX  reported a collection account for a debt I have no knowledge of and never received any notification. This caused my score to drop -34 points. I have no connection or contract with this company and would like them to delete all negative reports on my credit.
Consumer complaint received 2020-10-30
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: EQUIFAX, INC. (GA)

I discovered my name was spelled incorrectly on my Equifax credit file. Also, there was an address on the file that I have never resided at. I contacted Equifax to report the problem after trying to log on using the Myequifax feature to complete the dispute, but was not able due to the name not matching my SS #. Once I contacted Equifax they told me that I was incorrect and that my name was correct on their file. After several calls and very unprofessional customer care representative, I was asked to fax documentation with my name and address. I tried to fax the information over 30 days ago to receive a continuous busy signal and failure to fax. I then contacted them and received a mailing address to send the documentation. It was sent, but still has not been processed. Upon my follow up I was asked to fax again. I tried that again today to only receive the same failure to fax message. After contacting them to make them aware I was once again questioned repeatedly about the spelling of my name and why I was not completing the process online. I spoke with three different customer care representatives, just today, XX/XX/2020 and was not able to resolve the matter other than being told to keep trying to fax or wait and see if the mailed documents are processed. This is unacceptable. Many links on their site do not work. I receive a message stating " requested URL rejected- support ID XXXX. I also asked for a telephone number, email or address to make a formal complaint and was told by a customer care representative that there is no external way to complain about service other than through the customer representative that I was speaking with. Part of my complaint is about the person I was speaking to. Finally, I am continuously being asked to upgrade my account even though I have a monthly plan and when I shared that I am not receiving the services paid for, I was told I was just have to wait until things are cleared up, yet I would still be charged for services. This is RIDICULOUS. I appreciate an assistance that can be given.
Consumer complaint received 2020-10-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (CA)

I am writing to you about the succeeding LVNV account # XXXX, Opened date : XX/XX/2019, highest balance {$3600.00}, original creditor : XXXX XXXX. This case is worth over {$100000.00}. I have been turned down from several lines of credit and this is also affecting me emotionally. 

My demand is to get the item removed based on all the unfair practices and negligence that this company has committed. Just to mention some of them : 1 ) Account has been re-aged. showing latest status as 120 days late, this has hurt his score, collection company can only report account as collection and not report it that theres a monthly payment due thats 120 days late. 
2 ) Reporting collection account illegally as 120 days late.

3 ) Failed to report last payment date.

Ive been paying high interest rates because my credit score keeps decreasing month by month. I deserve to get the item removed from the 3 major credit report asap.
Consumer complaint received 2020-06-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A. (CA)

I applied citi costco card last year and never receive the card and never receive the statement. I never been worry about the balance because I never use it. I did credit report for my score about a month ago and found out there is past due amount with interest charge. I then contacted citi what is the balance for and they said the charge was for costco membership by XX/XX/2020, they verify my address was not include unit number that's why I have not receive my card and statement. I told then if they can wave off some of my interest then I will pay off but they said this case has been sent to debt collector which never answer the phone. Its only {$120.00} membership fee charge by costco without my authorization, talked to costco for help but no luck. I don't mind to pay for my membership fee and I have never late for my payment that I always pay in full.
Consumer complaint received 2019-10-08
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Fein, Such, Kahn & Shepard, P.C. (NJ)

I received a notice for wage garnishment from XXXX XXXX XXXX XXXX related to an old judgement from the Superior Court of New Jersey XXXX County. This is an old judgement with a different lawyer in XXXX payments were made through the site. I kept a record after each payment I was given a confirm payment number which I wrote down on the back of the agreement form. I completed the payment and was scheduled to receive a letter of completion in XXXX. They call to verify address to mail the letter, which I didnt received. On Saturday XX/XX/XXXX I received this wage garnishment intent. I call Fein, Kahn & Sheppard on XX/XX/XXXX and fax all the information I had of all the payments made dates and confirmation numbers. They said this was not good enough. This debt was paid off XX/XX/XXXX, I have reached out to the previous law firm XXXX XXXX XXXX XXXX XXXX. I also check my credit report, this debt is not on the report. 
The amount paid to XXXX, XXXX XXXX XXXX XXXX of {$3000.00} ( XXXX plus interest XXXX ) The new amount from Fein, Kahn & Sheppard {$3300.00}. 
Im just disgusted with these attorney behavior, this debt is paid up 6yrs now.
Consumer complaint received 2019-10-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (NY)

I acknowledge that I fell behind in my mortgage payments do to family problems and I have sent a hardship letter providing the details. I also stated that the death of my father has ended this hardship for good. I explained that my mother was in a situation where although she was divorced from my father and him and I had no contact, my mother felt this unnatural responsibility to him. 
I have also stated that although I fell behind in mortgage payments I have not allowed the home/property to go into collapse. I have placed new windows, a new roof, removed a large leaning tree and also had a heating system upgraded. I have also told my service provider that I have {$40000.00}, that i can use as a down payment for a modification. Unfortunately my service provider has sent me an agreement which although I make monthly payments, the payments are over {$4000.00}. a month with a balloon payment of over {$190.00}. by XX/XX/2020. 
This to me seems to be the opposite of a company that wants to work honestly and fairly and I am begging that I be allowed to remain in my home, along with my XXXX year old mother and my husband. thank you
Consumer complaint received 2019-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (SC)

When trying to retrieve my free credit report from XXXX, I am unable to collected it from Experian. I receive this message for both myself and my spouse. 

A condition exists that prevents Experian from being able to accept your request at this time. 

I have no issues with XXXX  or XXXX  as far as I can tell. I have not been able to collect my Experian request online in several years now. I also do not appear to be the only one and see several issues about it online.