davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TRUIST FINANCIAL CORPORATION (TX)

I traded a car that was financed thru Truist on XX/XX/XXXX. I'd purchased XXXX  XXXX  at the time I purchased the vehicle. I reached out to Truist to obtain a status on my XXXX refund and they told me they'd sent a refund to me on XX/XX/XXXX. They sent the check to an address that was never on my loan. I've resided at the same address since that car was purchased XX/XX/XXXX, and they have not explained why the check was sent to another address. They told me they could not stop payment on that check or reissue because they were going thru a system conversion and could not give a date when they'd send out a new check. I've called every week since and I keep getting the same story. I've asked to speak with leadership and to date no one has called me back and my check has not been processed as of this past XXXX  XX/XX/XXXX when I last called.
Consumer complaint received 2024-01-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Frontline Asset Strategies, LLC (AZ)

After reviewing my credit reports, I discovered that Frontline was reporting an alleged XXXX bill. My initiated contact with them on XX/XX/XXXXXXXX and their response on XX/XX/XXXX included an invalid 'monthly statement ' that lacked essential details about the nature of the information. Dissatisfied with this incomplete response, I followed up on XX/XX/XXXXXXXX explicitly requesting more information to clarify the invalid details provided earlier. Regrettably, there has been no further communication from Frontline, and they persist in reporting this unverifiable account on my credit reports. I remain unaware of the specifics of this account, as the company has not provided any detailed information beyond indicating past due amounts
Consumer complaint received 2024-01-24
Product: Checking or savings account — Other banking product or service
Issue: Problem with fraud alerts or security freezes — 
Company: OPORTUN FINANCIAL CORPORATION (TX)

XXXX XXXX I had a hard inquiry on my credit report and I never even heard of this place. ( Oportun/XXXX  ) I called the place and they didnt have any of my information in their system. They gave me numbers to call to get a dispute, as I am working on my credit.
Consumer complaint received 2024-01-24
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: Hayt Hayt & Landau, P.L. (FL) (GA)

XXXX was the discharged amount ; this was discharged in XXXX XXXX sold it to Hayt and Hyat which they filed a petition in XXXX XXXX XXXX on XX/XX/XXXX. I was not notified until XX/XX/XXXX and they did not give me accurate enough time to answer. This charge was charged off my credit a while back. They guy who brought the papers to my doorstep portrayed hisself as someone else and then gave the paperwork to my husband. This particular person I have seen before in my neighborhood did not know who he was until XX/XX/XXXX.
Consumer complaint received 2024-01-24
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (DC)

A payment was made to zales on XX/XX/23 for {$3200.00} and refund for the credit balance of {$1200.00} was requested on XX/XX/23. I was advised that it would be received via ACH within 17 business days then I was told 21 business days. It has been well over the time period & I requested in writing via electronic written message and it was supposed to be sent within 7 days of that request. Comenity bank is violating my rights as a consumer.
Consumer complaint received 2018-03-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (CT)

At the end of XXXX, we were with another servicer, XXXX XXXX. They were really amazing to work with and they had helped us successfully go through a modification early in XXXX. We have a severely XXXX and XXXX XXXX child, and at the end of XXXX fell behind by 2 payments due to hospitalization.. We were approved to defer them to the end of our term by our prior servicer, XXXX and get our program back on track. Everything was explained to me, and they were very very helpful. But the deferment never took That never happened because our mortgage got sold apparently in XX/XX/XXXX. It took us awhile to get in touch with someone regarding the deferral, and Fay Servicing was the New servicer. I explained to them what was going on due to our sons illness and how my lack of income is a result of this. ( My husband has an excellent job and has since XXXX ) I was told that I had to submit a complete hardship package of documents to be considered for help. So I did this. I was contacted shortly after sending documents and told that there were additional things needed. So I send the additional documents. And waited. I finally called and found out that even though I was told via a phone call that everything was received, they said our file was CLOSED because of incomplete documents. 

And they also had put our loan into foreclosure status which we were not notified of. I discovered this when I tried to send payments in, and payments were returned to me. 

They had me resubmit a complete full package of information including details on the reason and nature of my sons medical condition and XXXX. ( he was born with a XXXX XXXX and we have strived to take care of him in our home. Made accessibility renovations and improvements etc. ) Over the next several months of XXXX I submitted 3 hardship request packages ( per their instruction ) and each time they almost immediately sent me a generic denial letter for all programs. That letter instructed me that we could file an appeal. This was done twice. 

Our loan representative was changed 3 times since Fay took over. I was only made aware of this when I called in for updates. 

I was completely frustrated, because so many documents were submitted over and over. And then we were told that they were incomplete even though we had sent in everything. 

The loan delinquency was increasing, but I couldnt make a payment ( I tried to several times in good faith but all checks came back ). 

Finally, in XX/XX/XXXX a third new representative called me. He began questioning me on our intentions with our home. I stressed to him that we have a severely XXXX son, that our youngest is in school her
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Fraudulent accounts that appear on my credit report 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2024-01-24
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (CA)

XX/XX/year> : Amex closed credit credit and removed the option to make payments normally via i phone web application and or via online web services, even though these options were previously available to pay. 

Asked for a supervisor to address why the payment options no longer available - received no clear answer as to why previous payment options online or via web browser were no longer available. Amex blocking customers from making payments via mobile app, and also online. Only offering 1 limited way to make a payment via phone, and had illegally revoked other payment options.
Consumer complaint received 2024-01-24
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (TX)

Synchrony Bank intentionally uses misleading wording on their online auto-pay to trick consumers into their pay in full option, enabling increased interest/investment profit for their XXXXwo week " standard '' reimbursement period ( 10 business day ). While all Synchrony statements are " monthly statements, '' they use the term " statement balance '' in exchange for " pay in full. '' As the bulk of their business model is built around retail financing for " 0 % interest for X months '' promotions, in which the monthly " statement balance '' should be the total account balance divided by the number of months financed, the " statement balance '' option should only deduct this amount as consumers expect that their options are to pay the monthly statement balance to pay the account off within the 0 % interest period, to pay more than the statement balance to pay the account off early, or pay less than the statement balance at the risk of paying interest. However, in an effort to fabricate additional capital at the expense of the consumers, they have created their own nomenclature to promote errant registration to forego the agreed to 0 % interest period in exchange for their " pay in full '' interest income scheme. I had signed up for 0 % interest for 24 months promotion through XXXX XXXX, and then when I set up my online auto-pay through the Synchrony website, selecting to pay the monthly statement balance, they withdrew the full loan amount from my checking account, incurring an overdraft, and then said that they could not reverse the charge but would send me a check in 10 business days. I spoke to mulitiple people with customer service, and was instructed that they were unwilling to reverse the charge immediately and would only send out a check. Using this scheme, the company is able to trick consumers and hold their money for additional interest/investment income.
Consumer complaint received 2024-01-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: SELECT PORTFOLIO SERVICING, INC. (IL)

On XXXX XXXX, I received my mortgage statement stating my mortgage payment was {$800.00} and {$690.00} was a payment of unapplied funds and {$100.00} remaining balance due XX/XX/XXXX I contacted 1st the Ombudsman department regarding this informing them with my new escrow statement my new payment starting XX/XX/XXXX for {$690.00}. 

I also informed that I completed my trial modification successfully early XX/XX/XXXX XXXX payments for XXXX, XXXX XXXX amount {$850.00}. 

My first trial payment was made XXXX XXXX for XXXX XXXX and 2nd trial payment made XXXX XXXX for XX/XX/XXXX trial payment and XXXX XXXX 3rd trial payment was made for XXXX XXXX final trial payment. 

I spoke with a SPS on a recorded line informed them my new payment according to the attached escrow statement would be {$690.00} She said I still had to sign the modification docs with the monthly payment of {$830.00} She assured me I would received the corrected amount after the modification documents were executed. 

I trusted the conversation. 

So in XX/XX/XXXX I paid {$690.00} as escrow new attached statement for XX/XX/XXXX payment. I was always a month ahead. Payments were only to be applied as payments no additional funds towards principal or escrow So my next payment should not be due until XXXX XXXX as of XXXX. 

Just trying to stay on track and not get behind again. 

I also inform XXXX in the Ombudsman Department that my 1st payment should have became due one month after my modification had been executed and one month in the rears. That never happen I was told my first payment starts XX/XX/XXXX would be do at that time. 

I am aware that and escrow analysis was completed XX/XX/XXXX and according to RESPA a Servicer completes once a year. And only if a borrower request should another be completed in that year. 

I don't want to feel like their is going to be retaliation against me since I am trying to stay on track and can not afford another increase and get behind again. I do appreciate all the help that's why I am a month ahead with my mortgage payment now.
Consumer complaint received 2018-03-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (OH)

I was late paying my credit card for the first time. I called the credit card company to make my payment. the credit card company removed a late payment from my account but the creditor closed my account and reported a late payment to the credit bureau
Consumer complaint received 2024-01-24
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: FISERV INC. (NV)

As per Money Network, the card ending XXXX was issued on XX/XX/20XXXX The charge in question was made by a certain XXXX XXXX on XX/XX/ for {$1300.00} as payment to a XXXX web upgrade and was charged to same card ending XXXX. I received the card by mail on XX/XX/ ending XXXX and called them to activate my card. Money Network said it can't activate my card because they said that my card has been compromised. 

Money Network told me it will just send me a check. Please take note that this card was never activated by me that's why you opted to send me checks. The charges in XXXX were all fraudulent in which you refunded me a total of {$1200.00} except for the the {$1300.00} to XXXX which is the subject of my complaint. 

A person named XXXXXXXX XXXX with an address at XXXX XXXX XXXX, XXXX, CA XXXX and a phone number of XXXX used that card to pay XXXX. So, this is FRAUD. It is unauthorized and done before I even received the card XXXX and which you were not able to activate and same card XXXX was used by the scammer. 

I would like to request for the refund of same. Please investigate the matter to bring this to a final resolution. 


Thank you for all you help. 


XXXX XXXX XXXX
Consumer complaint received 2023-07-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NC)

Company never sent the requested documents validating the debt ( original contract with legible signatures ). Account closed with inaccurate information. XXXX 's terms and conditions for this account doesn't meet XXXX XXXX compliance requirements for credit reporting. Company failed to give proper notice of right to dispute. Notice to agent is notice to principal. Company is negatively harming my consumer credit report.
Consumer complaint received 2023-12-27
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. (PA)

I am XXXX XXXX XXXX and I am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ).

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion. 

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors. 

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 

Based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.
Consumer complaint received 2024-01-24
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (PA)

I made a purchase on XX/XX/XXXX for {$59.00} The closing date on by account is the XXXX of the month and the payment due date is the XXXX of the following month. 
This purchase was the only transaction and amount due on my statement. So, {$59.00} was due on XX/XX/XXXX. 
I returned the item on XX/XX/XXXX. This was well in advance of my payment due date, so I did not make a payment on XX/XX/XXXX as my remaining statement balance was XXXX. 
I was assessed a late fee of {$29.00} on XX/XX/XXXX. 
I called Macy 's to ask why I was charged a late fee when the item was returned well in advance of the payment date. I was told it does not count towards my account balance until the billing cycle has ended. In other words, I returned the merchandise, they have it back, but they won't actually credit the return to my account until the next statement closes. 
I did call Macy 's and after about XXXX minutes to explain the situation. They adjusted the charge but couldn't answer my questions about if this was a legal practice and how I could file a complaint as a consumer. 
This seems like an unfair and dishonest billing practice. Every credit card I have shows a " remaining balance '' when you go to make a payment. Some people live paycheck to paycheck and count on receiving their money when they return something. Why should they still be expected to pay for something they no longer have/own. I can see if the account take XXXX or XXXX business days to update, but in my case we're talking XXXX business days ( 16 days total ). Is this legal for them to conduct business this way? Does this go against my credit as a late payment, thereby affecting my credit score? 

I would appreciate a response. Thank you. 

XXXX XXXX I tried to upload a copy of my account statement and my return receipt. The upload was not working. I can provide in by email if required and contacted.
Consumer complaint received 2024-01-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: U.S. BANCORP (IL)

I scheduled an online mortgage payment from US Bank NA on XX/XX/year> to my mortgage bank, Pacific Global bank ( AKA. Royal Business bank ) located at XXXX XXXX XXXX XXXX XXXX, IL XXXX. In the amount of {$1100.00}. This is an online payment issued directly from US Bank to Pacific Global bank, and the payable should be Pacific Global bank. 
After a while I received notification from the mortgagor Pacific Global Bank indicated that my mortgage is in delinquent. I checked the online payment from US Bank, which indicated the check was cleared but instead of endorsed by Pacific Global bank, the same check was endorsed by two different individuals and deposited three times, which twice were successfully debited from my US Bank account. 

I went to the US Bank branches several times and questioned why the check with the same account number and Same check number, issued by US Bank, can be able to be cleared multiple times. Every time I went to US Bank to try to get the problem resolved, but without any resolution. I'm look for US Bank to reimburse the twice falsely debited check amount.
Consumer complaint received 2023-05-23
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. (NY)

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL (GA)

XX/XX/2023 SYNCB/MC reports an old account to the XXXX major credit bureaus as delinquent. This is inaccurate and unfair reporting. I've disputed this account several times and requested that they remove the account in accordance with Fair Reporting Act codes. 

Synchrony had the nerve to delete the credit account but leave the inquiry on my consumer report after already admitting fault for the unidentifiable account. The inquiry is still showing after the account was remove due to identity theft. This has cause GREAT HARM and I am currently under Duress.