davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-19
Product: Credit card or prepaid card — General-purpose credit card or charge 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: DISCOVER BANK (OH)

It is my opinion and firm belief that Discover Card and subsequently XXXX XXXX committed fraud and failed to honor its consumer protection policy on an item never received by the consumer causing the consumer anxiety, shock, emotional distress, and monetary loss. Employees failed to honor consumer protection policies and attempted to deceive the consumer even going as far as sneaking charge-backs onto the consumers account without notifying the consumer. On several occasions Discover posted We sent you a letter via mail or secure message at Discover.com about this investigation which includes a copy of documentation we reviewed. under disputes however never sent a letter or secure message including documentation they reviewed. Only the consumers due diligence in reviewing the disputes page revealed the deception. The disputes page is NOT the Discover secure message. Employees attempted to deceive the consumer that they had received correspondence from XXXX that the charge was valid however no new documentation had been received and a prior review of initial documentation received resulted in a ruling by Discover that it was an invalid response and the temporary credit was reinstated to my account. Employees attempted to browbeat the consumer when they removed the temporary credit claiming that XXXX had my name and credit card and that they therefore could not dispute the charge despite the fact that there was no new documentation from XXXX and that XXXX had ruled in my favor. Employees fraudulently replaced a closed investigation found in favor of the consumer with a second review stating the charge was valid without notifying the consumer. Employees attempted to deceive the consumer that the temporary credit had to be removed to balance the account despite the fact that Discover had applied a courtesy credit and the matter had apparently been resolved. Employees refused to allow the consumer to escalate his complaint to speak with a supervisor claiming the supervisors were not available and in one instance claiming that they sent the supervisor an email and that the consumer would hear back in 72 hours even though a supervisor never called back on the stated complaint. Employees failed to acknowledge that the consumer had provided documentation that XXXX had ruled in favor of the consumer and had allowed the chargeback. Despite a call to XXXX XXXX XXXX on XXXX-18 and discussion with XXXX XXXX who committed to investigating my complaint and responding in two business days, Mr. XXXX only called back 11 days ( accounting for XX/XX/XXXX holiday ) later on XXXX-18 and had NOT resolved the complaint. Mr. XXXX had introduced himself as an associate however a search on XXXX revealed that Mr. XXXX was a coach/supervisor. Discover refused to connect me with Independent Director of Internal Audit, XXXX XXXX XXXX. As promised I am filling a complaint with the CFPD.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2018-07-20
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: Experian Information Solutions Inc. (MN)

I initially asked experian to validate bankruptcies listed on my credit report on XX/XX/18 via fax. They failed to respond with 30 days and i was notified XX/XX/18. I than asked the to show me their detailed method of verication per the FCRA ON XX/XX/18 via fax. Again they have failed to respond within the 15 days per the FCRA! 

Chapter XXXX XX/XX/XXXXwrong date Chapter XXXX. XXXXwrong date Cahapter XXXX. XX/XX/XXXX Wrong date
Consumer complaint received 2016-08-11
Product: Credit card — 
Issue: Late fee — 
Company: SYNCHRONY FINANCIAL (DC)

Synchrony Bank 's, for the American Eagle credit card, online system shows a late fee despite my payment being made on-time ( by XXXX XXXX at XXXX Eastern ). I made my payment at XXXX Eastern. According to the unprofessional CSR talking over me and laughing while I was talking to her the system automatically generates a late fee if a payment is posted to the account by XXXX. This was not stated in any notice to me. She claims that " the system '' does n't recognize the payment until the payment posts and is no longer in a pending status. All I saw was a notification e-mail that I was charged a late fee.
Consumer complaint received 2016-09-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: The CBE Group, Inc. (CA)

CBE Group contacted in XXXX, 2015 about a XXXX XXXX XXXX bill for {$830.00}. I paid them on their web site. I just found that they are still telling XXXX that I have not paid, and did so as recently as four months ago.
Consumer complaint received 2023-06-15
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: DISCOVER BANK (NE)

I am being sued by Discover Bank for {$8400.00}, most of which I believe is interest and fees. I contracted with a debt consolidation company, XXXX XXXX a year ago, and they were supposed to at least contact my creditors and try to negotiate a settlement. Discover contacted me I explained that I was consolidating my debts with XXXX XXXX and gave them their information -- as I had been instructed by XXXX. I contacted XXXXand told them about the calls. Turns out they had not contacted Discover nor negotiated a settlement in the year since I went with XXXX. 
When I received the summons, I contacted XXXX, informed them of the summons and sent the information. Since I had a contract with their law firm ( XXXX XXXX XXXX ), I thought they would reply to the court. I was contacted a week later by XXXX and informed I would need to pay an additonal {$250.00} for them to reply. I thought legal services were included in the debt consolidation agreement. I can't afford it. 

So I have to reply to the summons myself. XXXX contacted me earlier this week, said they had contacted Discover and negotiated a settlement for 85 % of the debt. But I would have to immediately start paying {$700.00} a month instead of the {$340.00} a month I've paid for a year. I can't afford that! I have drafted a reply to the court myself, since it needs to be to the court by XXXX feel that if XXXX  had contacted Discover earlier, Discover might have been more willing to negotiate more. So I've got to go to court and I can't afford an attorney or anyone to represent me.
Consumer complaint received 2016-05-27
Product: Credit card — 
Issue: Transaction issue — 
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Re : Kohl 's Account # XXXX I made purchases in XX/XX/XXXX totaling {$180.00}. On XXXX/XXXX/16 I made a return in the amount of {$28.00}. On XXXX/XXXX/16 I paid the remaining balance {$150.00}. On XXXX XXXX, 2016 the Kohl 's system took an auto payment of {$180.00} when the balance on my account was XXXX. Now they say it will take over 60 days to refund my credit balance. This is a computer programming glitch for the company to float my money.
Consumer complaint received 2024-10-18
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)

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ).

Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly.

They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
Please CORRECT the account, or inaccurate information, from my file immediately XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2018-07-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I walked into Bank of America on XX/XX/2018 and requested that my bank account be closed because of two fraudulent charges that occurred on my account previously. Bank of America had credited my account on XX/XX/2018 a total of {$190.00} which is the money that was stolen from me before XX/XX/2018. But what doesn't make sense is the fact that Bank of America sent {$190.00} to a closed account. I spoke with XXXX XXXX ( Relationship Manager ) at the XXXX XXXX XXXX. XXXX TX XXXX Bank of America location. He assured me I would be receiving a check in the mail from Bank of America in the  total amount of money that was lingering in my supposed closed account. Then on XX/XX/2018 I called Bank of America to ask when should I be receiving my money from them because as of today ( XX/XX/2018 ) I still have not received one red XXXX from them. The representative on the phone told me that according to Bank of America Records she does not see a closing date for my account but assured me she could see the money in the account. It should not take almost 2 months to close an account! All I want is the money I work hard for back to me ASAP. I have been patient with Bank of America but because they are holding this money I am falling behind on my expenses that need to be taken care of month to month. Please help me get what is rightfully mine.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (LA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel pissed since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2015-07-06
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (NC)

My wife & I held a primary mortgage with XXXX and a HELOC with Nationstar Mortgage. We Refinanced ( which went very well ) maintaining XXXX as our primary lien holder and drawing additional funds to payoff the HELOC with Nationstar as well as draw some additional money for home improvements. We closed XXXX XXXX, 2015 and received our check very early XXXX. Upon closing, I cancelled recurring payments to our original obligation with XXXX and with Nationstar. 

On XXXX XXXX, I received an e-statement from Nationstar that reflected my balance, plus XXXX past due payment and XXXX upcoming. Given we closed over a month ago, I called and was told that they never received a payment, let alone a full payoff. My wife & I were shocked! We double-checked all the closing papers from the Refi, and the payoff amount was included. I called XXXX, who spent a great deal of time researching what happened, and they were able to provide me with the XXXX tracking number for the check cut to Nationstar. They were even able to confirm that the package was signed for at the Nationstar facility on XXXX XXXX and the check was later cashed on XXXX XXXX. 

I filed an online inquiry with Nationstar for tracking purposes after their call center proved incompetent at assisting me. In the online inquiry I provided them : 1 ) a snapshot of the closing papers that referenced the payoff amount, 2 ) the XXXX tracking number, and 3 ) the image of the payoff check ( which I had to obtain from the title company ). 

On XXXX XXXX when I recognized the payment had not been processed and my initial phone call to Nationstar my online statement read that I owed {$140.00} as " past due, '' and the following day, after making them aware of their oversight, they raised my amount past due to {$290.00}. 

Today is XXXX XXXX, 2015. I sent Nationstar the image of the payoff check XXXX XXXX, and my account has still not been credited. Keep in mind, they signed for & cashed this check over a month ago. And now the are piling on late fees & charges for an account that should be paid off completely. 

My attempts to work with them to properly credit my account are leading me nowhere and I feel my wife & I may end up either owing more as part of our attempt to better our financial situation through our Refi, or needing to spend a huge sum of money for legal help on a simple matter of taking and applying a payment. Can you please help us!!! 

XXXX XXXX
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am the person making this complaint & I give CFPB authority to investigate this claim. And I do not consent to an electronic communications. I request all responses be in writing through the USPS.This a formal complaint that there is inaccurate and incomplete credit information. I am distressed that that the information included in my credit report profile, and have failed to maintain reasonable procedures the operations to assure, maximum possible accuracy in the credit reports that are published. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information, therefore needs to be re-investigated. I respectfully request to provide proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from my credit report as soon as possible Bankruptcy XXXX XXXXXXXXdischarged Reference number : XXXX The item listed is entirely inaccurate and incomplete, and as such represents a very serious error in the reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last 6 months or the last XXXX years for employment purposes. FCRA 15 USC 1681
Consumer complaint received 2018-07-19
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (FL)

On or around the end of XX/XX/2018 I received a letter from my county ( XXXX XXXX XXXX, FL ) exempting me from all ad valorem property taxes because I am a totally and XXXX XXXXXXXX veteran. I forwarded that letter to Freedom Mortgage, my mortgage company, with a request that they re-compute my monthly payment and my escrow account balance requirement based on the fact that I will have no ad valorem taxes due for 2018 ( only the county non-ad valorem assessments shown on the tax bill from last year will be due ). I spoke to Freedom Mortgage today, XX/XX/XXXX, and they claimed that they had reached out to my county to get a revised tax bill for 2018, but were told the 2018 tax bills would not be available until XXXX or XXXX. Understandably, the county does not revise their property tax bills every time they provide a letter to a veteran for exemption. They calculate the bill annually, for everyone. Freedom Mortgage did not have a 2018 tax bill when they computed my payment and escrow requirements for this year. They calculated that amount based on last year 's tax bill ( and insurance bill ). They claim that they will not recompute my payment or escrow account requirement until they receive the actual tax bill for 2018, and will require me to keep paying the full amount to them although they know this will create a significant over-payment to my escrow account. I feel that this is deceptive and is discriminatory ( only XXXX and senior citizens receive this type of tax exemption ). As a veteran living on a fixed income, their decision to continue to charge me for taxes that they know will not be due will hurt me and my family ( a difference of over {$7000.00} ). I request that the CFPB look into this and see if anything can be done to get them to do the right thing and change their discriminatory practices.
Consumer complaint received 2016-04-29
Product: Credit card — 
Issue: Other fee — 
Company: SYNCHRONY FINANCIAL (IL)

I have a card through Care Credit/Synchrony Bank. I recently fell behind on payments and was contacted from someone through them. I believe it was a collection agent. We setup a Hardship plan of {$77.00} a month. My account was showing a current balance due of around {$400.00}. The person I had spoke with let me know that my monthly payments will start right away at {$77.00} and the current balance showing due will continue to show on the site but that the {$77.00} will go in affect right away .... I went on the website to setup automatic payments of {$80.00} to pay towards my account since I was told my new monthly payments are {$77.00}. When my first automated payment was sent through. They ran my card for {$300.00}. I called Care Credit/Synchrony Bank to ask them what had happened and they told me the automatic payments run the amount showing due. I let them know about my plan I had setup of the {$77.00}. The person I spoke to told me I will be receiving a check in the mail to refund me that amount that of {$300.00}. I made sure to double check that I for sure will be receiving a refund and they assured me I will be. Then a couple days later I received a letter in the mail saying that the refund was declined. I called and explained the situation. They basically told me there was nothing they can do. If they refund me the amount it will show my account in past due status which is not entirely the case since I was told my account would still show that amount due but my monthly payments will start at {$77.00}. XXXX people I spoke with assured me information that ended up not being correct and I was a victim of that. I spoke with a supervisor and let them know of the information I was given and they basically told me there is nothing they can do about wrong information previously given out. If I would have known the amount of {$300.00} would have been taken out of my account I would have not setup the automated payments but I was told previously my monthly payments will start right away at {$77.00}.
Consumer complaint received 2016-04-30
Product: Credit card — 
Issue: Delinquent account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I became delinquent on my account while I was in XXXX for XXXX treatment. Because of my condition I had a very hard time keeping my bills straight. During my 5 months of XXXX my father and grandfather died. I was under so much stress and fighting for my life. Once I discovered my account was delinquent I contacted Capital One and paid my account IN FULL. I spoke with them about what had happened. They agreed to not report my late payments. They closed my account and opened a new one. However, they have NEVER stopped reporting the negative account even after the assured me they would stop. In fact, for months they were reporting XXXX accounts - both negative! For over a year I have been sending them letters and they refuse to address the phone conversations I had with their employees.
Consumer complaint received 2018-07-19
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: GreenSky, LLC (IN)

I received billing statement from GreenSky yesterday XX/XX/2018, and realized there must have been some misunderstanding between your company and the contract made by XXXX XXXX XXXX, Waterproofing business. Also, I believe this company has been misinformed by Mr. XXXX XXXX, the sales person/inspector of Waterproofing company, XXXX XXXX, XXXX. Mr. XXXX came to my home XX/XX/XXXX, and offered me of a financing opportunities while he was explaining about the contract for waterproofing he wanted me to sign its contract with his company. Mr. XXXX told me that the contract with his company and financing payment would be in effect on the date XXXX XXXX companies complete their work. The bill that I received XX/XX/XXXX shown as if I purchased {$3400.00} XX/XX/2018 from XXXX XXXX, and charged activation fee of {$39.00} XX/XX/XXXX, and Finance charge of {$15.00} XX/XX/2018, which totaling {$3500.00}, and due date is XX/XX/2018. The interest dare shows 6.99 %, and daily Percentage Rate is 0.01915 %. The also bill shows phone number XXXX and email address XXXX. However, I can not reach GreenSky either ways. The company 's payment address is GreenSky XXXX XXXX XXXX NC XXXX. My husband is XXXX, and I am his full power of attorney, and so all contact must be made through me.