davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: TIDEWATER FINANCE COMPANY, INC. (NV)

I originally filed a Complaint back in XX/XX/XXXX. Please refer to complaint # XXXX. Tidewater XXXX Finance was breaking several credit privacy and harassment laws trying to intimidate my entire family speaking to my boss, harassing my neighbors and causing emotional and financial stress refusing to tale payments for almost 2 years and putting us in a black hole of runaround anytime we tried to contact them. 

After they responded to previous complaint we still could not reach anyone to settle any terms refusing tp accept anything but the full amount for the vehicle and we never received any contact from the manager who responded to you saying that he would contact us so on XX/XX/XXXX the vehicle was surrendered to XXXX XXXX and Tidewater was contacted and told the vehicles location and to pick it up because we were afraid they would charge inaccurate maintenance fees and wanted documented proof that we did not have this vehicle. 

The entire loan from XX/XX/XXXX until the current date we have not received any final loan terms, or any vehicle payment statements. We had complained that we never had access to their website to pay the bill but needed the terms of contract to verify agreement of final terms since it was " TBA '' on dealer contract and we did not know who our lender was at signing. 

2 years go by and they reported nothing. They have the vehicle. I never received ANY bills or communication from them at all and for the last 16 months they have destroyed my credit continuing to charge me like im missing payments PLUS INTEREST ON A VEHICLE I HAVE NOT HAD FOR THREE YEARS AND ITS UP TO {$35000.00}??!! How can thia be legal when i have nothing in writing stating anything including the original paperwork from the financing??!! 

I have disputed their practices through XX/XX/XXXX and the company continues to charge monthly payments when they have the vehicle. Did I miss any law that allows any creditor or bank to stay dormant for years after what they did to me and my family and now destroying my credit with no regard for the law.
Consumer complaint received 2020-07-30
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (NY)

I am writing on behalf of my wife 's Amazon Prime Store Credit Card by Synchrony Bank. Twice this year, I had made an early payment which means I paid off the entire balance before I receive the statement at the end of the month. I want to help my wife build her credit, by paying on time and paying off the entire balance each month. 
We have XXXX young children including a newborn just XXXX XXXX XXXX, every time when my wife wants to purchase something on Amazon Prime, she would go and see how much available credit she has on her Amazon Prime Store Credit Card, and we would budget from there, just recently we had paid off a balance of {$380.00}, so we can purchase an item, knowing her credit limit is only {$400.00}. 
This is the second time this year, Sychrony decided to lock/hold down the account, the customer service rep, say the funds are held for six business day. The funds were withdrawn from our checking account, but Synchrony wont credit the account and release the funds of {$400.00} Total Credit Limit for us to use on Amazon Prime. 
My wife is fairly new to credit, we had not missed any payments on the account, but there were a few times, when we didn't pay off the entire balance, so I had a remaining balance, but most of the time payments were made on time, because my wife likes to shop on Amazon Prime. The first time I called and complained to Synchrony Bank, the representative said it was a " red flag '', that we pay off the entire balance at the end of each month, but still wouldn't release the funds, so we can go and shop again on Amazon prime. 
Most banks, once payment is made, funds can be used again after twenty four to thirty six hours, but Synchrony bank, likes to hold the funds for six days after payment is made, which means we can not use the account, which is really inconvenient for us. 
Also I would like to mention Synchrony Bank originally gave my wife {$1100.00} Total credit limit and all of a sudden decided to lower the limit to {$400.00} without any explanation despite my wife 's credit history
Consumer complaint received 2020-07-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Real Time Group, Inc. (FL)

Good afternoon, I am writing today for assistance in resolving a fraudulent collection account, which is not only being reported grossly inaccurate but which I believe is an attempt to pad an account and collect a debt not owed by myself. 
This regards a debt with original lender XXXX XXXX, issuer of a XXXX  card. The collection was originally for less than {$200.00} dollars. An item was purchased and RETURNED and a credit was supposed to be given. I called XXXX XXXX numerous times when I had the account with them and spoke on recorded calls to their agents and this was supposed to be resolved. i further asked that the account be closed, against the protestations of the agent. i wanted nothing to do with XXXX, XXXX XXXX  or anyone else. 

Flash forward, today this company XXXX XXXX XXXX is sending me a letter asking for {$3500.00} to settle XXXX. They are reporting this fraud to the 3 bureaus and damaging my consumer credit files. i am asking for the CFPB to intervene and oversee this company complying with the FDCPA guidelines in reporting. I am asking for the original documents pertaining to this account and the itemized list of charges that amount to the {$3500.00} which they say I owe. Furthermore, I would like this information to be provided from the original source : XXXX XXXX. 

I know full well no such charges were made, and the account was closed out with nothing more than {$200.00} ever having been charged during the entire time I had the card. 

This is another example of collection agencies and debt buyers fudging the facts and outright committing fraud. I am asking for this to remain on record as I will absolutely be reviewing my legal options.
Consumer complaint received 2020-07-30
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (LA)

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, DEPT OF EDUCATIONXXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A. (MI)

The months of XXXX and XXXX ; I continuously found myself in the negative with several overdraft fees after checking my bank statements at the end of the day, only to wake up the next morning to the forementioned occurences. On XX/XX/2020 I ended my daily transactions with a balance of {$170.00}. I went to the PNC Bank on XXXX XXXX XXXX  at approximately XXXX and withdrew {$70.00} leaving my balance at XXXX. The next day I had a negative balance of {$79.00}. I called the bank to complain and received the same spiel as always with no logical explanation as to how my money disappeared. I then told the rep. to check my ATM transaction. She confirmed my available balance, withdrawal and decided she wanted to escalate a claim because it didn't make sense. Until this day no one has called me regarding the matter. I have several attachments of screenshots of my transactions in real time because the dates and balances change as transaction are posted. I also noticed they are processing the transaction out of order and shuffling them around making it look like I am making transaction when I don't have money in my account to cover them, resulting in negatives and overdraft fees by the time I wake up the next day. Please view attachments.
Consumer complaint received 2020-07-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I called capital one and explained we were in COVID and XXXX XXXX was shut down. I didn't have the money for my payment. They told me they would defer it because of the pandemic. I noticed a late on my credit report that they told me would not be there. I have now caught up on my payment and don't know why i was dinged - I am on auto pay. 

this is outrageous. We are in a pandemic. 
My account number is XXXX
Consumer complaint received 2020-07-29
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. (NY)

Two disputes about Derogatory information were submitted to Experian with filed supporting documents, after two weeks Experian stated that both account were updated without providing any valid explanation what soever regarding their action, on the other hand those same accounts with the same supported documents were disputed with XXXX and, they deleted those two accounts. I don't know why Experian is acting that way.
Consumer complaint received 2020-07-29
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. (NC)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THESE ACCOUNTS ARE ALL FRAUD RELATED. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2023-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (TX)

To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

The credit reporting agencies have placed accounts that were never to be or are incorrect on balance and contract. XXXX XXXX has no agreement with me also under UCC 3-104, 31 USC 5118 , 12 USC 1431 , 18 USC 8 . 
The XXXX Accounts are 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 2020-07-29
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. (CT)

I recently sent letters over 45 days ago to the credit bureaus and they are disregarding a regular consumer dispute. I am stressed and have been sending letters before this and i still have not received no response. 

Today XX/XX/2020 i am reaching out to the bureaus again but this time i am also filing a complaint with you guys since i have not got any correspondence back from them. Hopefully you can help me get this matter under control. This is blocking me from opportunities. I just want everything thats an error to be corrected. i will greatly appreciate your help with this matter.
Consumer complaint received 2020-07-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: MS SERVICES LLC (CO)

I called someone in the office today and her name is XXXX?? Shes very rude. Also, if your company located is is the United States, why do I have to pay the debt through XXXX XXXX?? What are other ways can I pay??
Consumer complaint received 2023-07-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

I received a notification from ShellPoint Mortgage informing me that they have purchased a lender-placed insurance policy on my condo property at a cost of {$4500.00} ( which is roughly 6 times for the insurance coverage I have personally. The evidence of insurance the mortgage company is looking for is secured and paid for by the HOA. I immediately responded by sending an email with accompanying proof of insurance - which by the way, all HOA provide access for this information through a web site. I received no response. After receiving another two notifications and corresponding email responses, once again, I sent in the insurance verification as instructed. I have left 9 messages, in addition to my emails, for a manager or supervisor to call me back. I have received NO calls as of this date. I have attempted to contact the insurance division of this mortgage company at least 7 times, each time having to disconnect after nearly 150 minutes. When I contact customer service, I am told that customer service has the same problem contacting the insurance division - my last call with customer service was at XXXX XXXX. on XX/XX/2023 ( all calls are apparently recorded ) speaking with XXXX XXXX in XXXX, Michigan. 

Apparently, as a result of failure to acknowledge receipt of evidence of insurance, the mortgage company has increased my monthly payment. My last payment ( for the month of XX/XX/2023 ) fell short by nearly {$70.00}. The company refused to acknowledge the payment ( although paid on time ) and has charged me a late fee of $ XXXX egregious act given the company 's failure to acknowledge or respond at least since XX/XX/2023, when I have evidence of my communications. 


Mortgage Company : Shell point ( a division of newrez ) account # XXXX property address : XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX You help and support can prevent this company 's egregious acts and fraudulent activities with other consumers. 

Sincerely,
Consumer complaint received 2020-07-29
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: COMMUNITY CHOICE FINANCIAL, INC. (AZ)

XX/XX/2020 Checksmart Store # XXXX. {$3000.00} Installment loan approved by corporate. XX/XX/2020 had visited the store, the representative kept saying you will be denied for a larger loan but will qualify for {$1000.00}. When entering XX/XX/2020 another representative had received approval larger amount I was in shock, yet delighted. I had chose to go with an installment loan under impression I no longer had obligations on my vehicle a closer look at this paperwork revealed it is a much larger registration loan and states I could be charged criminally for non payment. I have made one payment already, I tried to inquire at the store for options on how to lower my monthly payment was advised to call corporate talk to the title loan department and advise them it is an installment loan. I already have a loan with XXXX XXXX on this car about $ XXXX outstanding, don't see how putting an interest of security on this car is of any help to Checksmart, I was advised was good customer why would I be put in a position to become bad one?
Consumer complaint received 2020-07-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (NY)

I contacted American Express on XX/XX/2020 to find out about the promotional offer toward my XXXX purchases. I was told there was no promotional offer. I referred to the American Express offer for the XXXX XXXX XXXX XXXX and I was told that it was declined for me because I had received too many promotions. It was further stated that a letter was mailed to me stating that I was not receiving the benefits. I never received a letter or an email as to the promotion being denied. Neither did the person I originally spoke with when I applied state that there would be no applicable promotion. 

I then asked about the second card, an American Express Cash Magnet Card and was told the benefits for that card were also declined. When I then spoke with a supervisor, he was very empathetic and said he will send my application for review and he was sure this would be corrected. 

I then made a second call to inquire about the APR and since that was one of the benefits, that too was declined. I then spoke with another supervisor and reiterated what the first supervisor stated and he said that was not a true statement, that nothing could be done, and none of the promotions including the APR did not apply to my application.
Consumer complaint received 2023-07-07
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: ALLIANT CREDIT UNION (CA)

An annual fee of {$50.00} was attached to my HELOC beginning of XX/XX/2023. I was not aware of the situation as I have never used the HELOC and it had a {$0.00} balance. I never received a phone call nor a billing statement aside from electronic ones which was hard to access and not easily get to on the phone app. I use the phone app to alert me of my balances. Alliant 's application continues to erroneously show {$0.00} on my HELOC which led me to believe there was no fee. However, they automatically had already attach the fee without me noticing then proceeded to report it to credit bureau after 30 days. 

This is not a reflection of my credit worthiness nor is it a result of my inability to pay. This was due to a lack of notification and transparency around an annual fee that the company automatically attaches to my account. 

This issue has drastically reduce my credit score whlist I'm in the middle of procuring a home loan therefore negatively impacting my ability to find a new home. All due to a {$50.00} fee that was not widely advertised, poor communication, and poorly designed application user interface ( see exhibit I attached showing {$0.00} balance this entire time ) I was relying on the app to remind me of payment obligations.
Consumer complaint received 2020-07-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BBVA FINANCIAL CORPORATION (MI)

On today, XX/XX/2020, at approximately XXXX, I tried to cash a check at a XXXX store in XXXX , MI. The check would not go through so they called the check cashing system and the check was denied due to being over limit-. 

I called the banking customer service number at XXXX, and let the representative know that I was at the check out and wanted to know if they could provide a authorization code for the check to be processed. She put me on hold and said she talked to a supervisor who told her to document the call. She never tried to find out if she could do an authorization. She never tried to help with answering the question, she just kept me on hold while she made notes in the system. I was not able to cash the check and was not told why by the representative and not offered any help in getting it cashed. 

On XX/XX/2020, I ordered a replacement debit card by rush overnight delivery. The card never came, so I called the bank again on XX/XX/2020, and spoke with XXXX, a supervisor, ID # XXXX, with their online banking department. I was told ( via a recorded call ) that the card would not be sent because when it was ordered the system chose my alternate mailing address which is a PO Box . I was told by XXXX that they can not send debit cards to PO boxes. XXXX told me that he would get in touch with the team that orders the replacement debit cards. He put me on hold and a few minutes later I was disconnected from the call. 

When I called right back, the toll-free number for the bank XXXX was transferred to a automated message for XXXX wireless instead of BBVA bank. They probably kept me on hold so they could block my number and have my calls sent to the automated message system at StraightTalk wireless. 

The issue with the debit card is relevant because without an active debit card on file I am not able to cash checks, change my phone number, update the address or do any other banking transactions. 

So for the bank not to get this resolved is highly irresponsible. They are doing everything possible to hinder me from accessing my account, making changes, or spending the money. I believe that there is a third party involved that may be linked to XXXX XXXX and/or the current Trump administration due to ongoing XXXX attacks I have been subjected to by the current POTUS administration. He is trying to score points with his XXXX base by harassing me. Not only have they been sending federal agents out to democratic cities across the nation, but they have been unlawfully monitoring my bank account, phone numbers and sent FBI to spy on me while I was in the hotel, use neighbors to spy and harass me electronically and they may have unlawfully put a tracking device on my vehicle so they can follow me throughout the city.
Consumer complaint received 2019-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In XX/XX/2018 pulled my credit report because score was low realized that 20-monthly car payments not reflected on credit file from original lender ( XXXX XXXX XXXX ) not one payment was ever reported. In XX/XX/2018 loan was transferred from XXXX XXXX XXXX to XXXX XXXX XXXX. In XX/XX/2018 reached out to the current lender explaining 20- monthly payments wasn't recorded to the 3-major credit bureaus ( TransUnion , XXXX, XXXX  ). XXXX sent a written response stating there is nothing they could do about the current situation. My loan with XXXX XXXX is reporting with the credit agencies, but it reflects a new loan as appose to an existing loan.