davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-07
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Absolute Home Mortgage Corporation (CA)

I started the loan application process in XX/XX/XXXX. I received a pre-approval for a certain amount. The process got delayed because one of the conditions for the new purchase was to sell my house, which it was done just recently on XX/XX/XXXX. within that period of time, the broker was adjusting my numbers and requested a Co-signer to accommodate my rates and down-payment, it was requested because I have a NY child support case. 
Near closing time, I found out that the monthly payments were calculated with property tax information that were not the actual taxes, but last year taxes ( XXXX ), Not even with the town adjusted taxes in the beginning of XXXX. In addition to it, i decided to walked away of this transaction because within the calculation for the monthly payment my father 's income was used for the monthly mortgage payment. And that would not be the case. 
I talked to the broker multiple times and asked him to adjust the values and make sure my monthly payments to be within my payment capabilities but I have hard time to ask them to do so. 
As part of the process and transaction, as I mentioned before, one of the provisions was to sell my house. The underwriter ask to have an escrow and retain my resources to proceed with my purchase ( I was closing and buying at the same time ). Now that the transaction is no longer viable. I am asking the lender through the broker to cancel this loan transaction, adjust the financial numbers to my payment capabilities and release my funds that are held in an escrow. 

1.- I have had not been able to have the loan application been cancel neither adjusted on my payment capabilities 2.- My funds ( from my sell ) are retained for one week and they have not been released At the end. I am feeling forced to proceed and my money is being used as leverage to try to close a deal that is not making sense on the financial side.
Consumer complaint received 2023-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I XXXX XXXX has made several attempts to remove incorrect information that the account is not owed. XXXX  XXXX refuse to remove the debt is still owed and also show account as charge off. XXXX XXXX has cause severe damage to my credit report as I was not able to get another loan in order finance a nother vehicle. As of XX/XX/XXXX XXXX XXXX is still reporting the same information to my credit report. On or around XX/XX/XXXX I sent XXXX XXXXXXXX by Priroity Mail # XXXX XXXX XXXX XXXX and received on XX/XX/XXXX to settel the matter XXXX XXXX XXXX did not reply to me, attach to is a copy of pay off of car loan sense XX/XX/XXXX. See Attachment
Consumer complaint received 2023-12-29
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (MA)

I am writing to address the matter concerning an account ending in XXXX, for which Synchrony Bank claims I owe {$1700.00}. I hereby formally dispute the entire amount of {$1700.00} due to the violation of my consumer rights, specifically the misinformation and misrepresentation of information related to the balance owed and the promotional end date. These actions were undertaken with the intent to lure me as a consumer and transition the account into a predatory lending status, to maximize their financial gain from me as a consumer to terms that they manipulated to provide. 

I request the removal of the aforementioned amount and consider it paid in full, without any derogatory comments. This request is based on the fact that the promotional end date was not comprehensively provided to me upon the request of my XX/XX/XXXX statement, hindering my ability to be comprehensively informed to make a full payment. The attached statement, obtained from Synchrony Bank when I requested my XX/XX/XXXX statement, highlights several instances of incorrect information and misinformation provided by the bank : 1. Synchrony Bank incorrectly acknowledged my request for a XXXX billing statement instead of the requested XX/XX/XXXX statement 2. Synchrony Bank claimed an inability to provide a statement for the specified period 3. Synchrony Bank falsely stated that my account had a XXXX balance and no statement was generated during that time The aforementioned errors, misinformation, and misrepresentation of my account 's status form the basis for my dispute and request for corrective action. 
Key points of contention include : XX/XX/XXXX : The month of account initiation, where the statement should have reflected the full initial purchase amount of {$2000.00} further proven SyncBank misinformation XX/XX/XXXX Statement Request : Synchrony Bank failed to provide the requested statement, hindering me from being fully informed about the promotional balance due by XX/XX/XXXX ; this not only hindered my process to pay but it delayed the process and pushed the date past its due date as I requested a second time XXXX Balance and No Statement : Misleadingly indicated a XXXX balance, creating a false impression of no outstanding balance due what-so-ever The manipulation and misrepresentation of my account have caused significant distress. Despite my efforts to obtain accurate information, Synchrony Bank has failed to cooperate, violating my consumer rights under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and relevant state laws.
Consumer complaint received 2023-12-07
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO. (IL)

I have been a Southwest chase customer for sometime, I regularly make payments. I make multiple payments throughout the month. 
On XX/XX/XXXX I made a payment. It cleared XXXX. And out of nowhere they are telling me that they will not release my payment and credit it to my account until XX/XX/XXXX. The payment has already left my bank account. They have never done this before in 3 years. They are telling me they are doing this because I made multiple payments in one month. However, I have always made multiple payments in one month. It is not unusual for me to do this. 

I believe they are doing this because, it makes it so I will not get my special bonus for spending enough money on my card at the end of the year. By them delaying posting of the payment, theres no way I will have enough points for the reward at the end of the year and they know this. Ive gotten the reward for two years in a row, its the companion pass where my spouse flies free for an entire year. 
This is absolutely to take my money, get free interest on it for a week, and then make it so I dont get my yearly reward. 

I tried to call them, I asked to talk to Supervisor, I asked them credit my account, I told them Id be filing a complaint ; I asked the supervisor to provide me proof of this of their policies in writing, to none they would do. 

I just want my payment posted. Again, it was posted it was paid XX/XX/XXXX. It cleared my bank XXXX XXXX. And they refused to post it before XX/XX/XXXX. They have never done this before. My payments are always posted the very next day. 
None of my account activity is out of the ordinary for the 3 years I have had this credit card account. This is brand, new, and I 100 % believe it is to stop me from getting the reward that I get every year.
Consumer complaint received 2024-01-24
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (CA)

Twice now Venmo has attempted to withdrawal XXXX payment which I did not authorize. From my credit union account. 
They said payment was made on app. But it wasnt! And I was charged XXXX dollar overdraft.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

About XXXX months ago ( XX/XX/XXXX ), I was started the process of trying to obtain a loan. Because of XXXX XXXX, I'm still in that process and have not been able to secure this loan. 

The reason my loan is taking so long is because I have two 30 day lates on my credit from a XXXX XXXX credit card that I've had in my name for over 10 years. These allegedly occurred in XX/XX/XXXX and XX/XX/XXXX, while the world was in the midst of the pandemic. I was never notified of these lates and to my knowledge have always paid my credit card on time. 

Over the last XXXX months, I've tried all the normal avenues to get this incorrect payment reporting rectified. I've called XXXX XXXX probably 5 to 10 times and repeatedly was assured they would correct the 30-day late reporting. On multiple occasions, they told me that the reporting was corrected and to just wait for the next credit bureau reporting cycle, which can take 30 days. I've waited twice for that to happen and still nothing has been fixed. 

I've also reached out to the credit bureaus a handful of times and filed countless disputes to no avail. 

I'm simply trying to get these two incorrect 30-day late payments ( from XX/XX/XXXX and XX/XX/XXXX ) removed from my credit. 

I'm currently XXXX  and this incorrect information from XXXX XXXX is causing me undue stress during my XXXX, not to mention completely delaying me from obtaining my necessary loan for almost a year. I've experienced stress that has both directly impacted my XXXX and my financial situation and I just want XXXX XXXX to correct this.
Consumer complaint received 2023-11-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 

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 2023-12-07
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (CA)

I have banked with Marcus for several years now with no issue. 

On XX/XX/XXXX, I received a phishing phonecall with someone trying to gain access to my account. I immediately changed my password. 

on XX/XX/XXXX, I attempted to log back in to my account, and it had been frozen due to fraud investigation on XX/XX/XXXX, I called Marcus support, asking for more information on what had happened, whether my funds were safe, and how to regain access to my account ASAP. I was given no explanation, just told that the information was " locked '', and to call back in 5 days XXXX, I called Marcus support again, asking the same questions. Was told again by agent that my account was locked, and they were unable to provide an estimated resolution timeline, or any additional information. Just to be patient and wait for a phonecall/email with next steps ( that they could not provide an estimated arrival date for ) While I appreciate the protections put in place to guard against fraud, I am extremely concerned about the way this is being handled. No one has been able to even tell me if my deposits are safe or when/if I will be able to access those funds again? As you can imagine, this is a major issue for me.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have spoken to XXXX customer representatives multiple times throughout the year XXXX  after discovering a significant erroneous student loan charge of {$150000.00} on my credit report. Upon my realization, I promptly reached out to XXXX. They informed me that they did not have a record of a {$150000.00} charge and that my actual balance was {$170000.00}. However, my credit report reflects a student loan debt of over {$350000.00}, which is fraudulent and inaccurate. This error has severely affected my credit score, leading to numerous rejections in various credit-related applications as a result of this substantial discrepancy.
Consumer complaint received 2023-12-07
Product: Credit 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: CAPITAL ONE FINANCIAL CORPORATION (CA)

Venture credit card. A merchant charged {$1900.00} more than they should. The service was misrepresented during the sale, and the merchant refused to give a refund to me. I called Capital One and spoke with a representative. The representative advised to open a dispute for fraudulent transaction. Following the call and submission for a transaction dispute, on XX/XX/2023, XXXX  sent an electronic letter requesting more documentation. On XX/XX/XXXX, per the XXXX letter I called XXXX  to request a secure upload link - all of this is EXTRA time and effort no the customer 's part. On XX/XX/XXXX after receiving the secure upload link, I uploaded documentation that was requested by XXXX. Then later that day, XXXX  sent an electronic letter stating " no requested documentation was received '' and as a result, charged me {$1900.00} and closed the case.

This case is NOT closed. I kindly request XXXX  to refund my money. {$1900.00} is a lot of money for services that were not rendered.
Consumer complaint received 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX : Consumer Relations XXXX XXXX XXXX, XXXX XXXX XXXX, MN XXXX By phone at XXXX or fax at XXXX To Whom It May Concern, When I recently tried to open a checking account, I was informed that I had negative entries in my ChexSystems record. 

The Following Informations and Inquires is a result of Identity theft and was not initiated by me, I demand that it is DELETED immediately : 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 XXXXXXXX XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Inquiry XXXX : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX To my knowledge, have never had non-sufficient funds and I am not aware of any negative entries. Kindly forward me a copy of my ChexSystems record so that I may verify its accuracy. 

Kind regards, XXXX XXXX XXXX XXXX XXXX : XXXX SSN : XXXX
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-03
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: PNC Bank N.A. (MI)

I took out a debt consolidation loan from XXXX XXXX XXXX to pay off numerous credit card balances that I had. One of these balances was my PNC VISA Card ending in XXXX. PNC received a check from XXXX XXXX XXXX for {$3500.00} and cashed it in early XXXX. I received a notice a few weeks later that my payment was overdue. I checked my account balance for XXXX and the {$3500.00} payment was never applied. XXXX XXXX XXXX confirmed that PNC did cash the check, and I have attached that to this complaint.
Consumer complaint received 2023-12-07
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: Westcreek Financial (FL)

A loan for car repairs was taken out without my consent by the owner of the body shop called XXXX XXXX XXXX XXXX XXXX. This occurred on XX/XX/2023 for the amount of {$2800.00}. I reached out to my bank due to an unauthorized transaction of {$550.00} from the lending company, Koalafi or AKA West Creek Financial. I called Koalafi and explained how I did not give consent for any loan to be opened. Also, I did not sign anything or see any paperwork in reference to this loan. The owner of the body shop inputted all my info without telling me about the loan, the terms/ conditions, and most importantly he forged my signature. I never signed anything. The rep said she was going to contact the body shop and then contact me. That never happened. I filed a police report for the fraudulent activity, I also filed a complaint to FTC. Lastly, I filed a dispute with XXXX. Ive done everything in my power to notify the correct agencies about this fraud and nothing has been done.
Consumer complaint received 2024-01-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (IL)

Before XXXX  pause my payment was XXXX a month. No IDR 's were required during XXXX  pause. My first IDR is not required until XX/XX/XXXX. My payment should have been the same if not lower ( on the new save plan ) then it was before the XXXX  pause. First mohela said that somehow they got my new income and my payment went up to XXXX a month. Then I question how they got it and told them they legally can't ask the irs for my income. Then they lowered my payment for XXXX a month per my letter from them on XX/XX/XXXX. That seemed correct on the new save plan that they automatically put me on. Then in the middle of XXXX right before the forbearance was suppose to end again. They changed my payment again for XXXX a month and changed my due date from the XXXX of XXXX to XX/XX/XXXX. I called and they said they were still updating my account and it was be corrected and back at XXXX but it is not and now they have scheduled XXXX to come out of my bank account. No one will help me or let me speak to someone that can fix my account I just keep getting empty promises. On top of that my XXXX XXXX got his entire balance forgiven, he is not on Pslf and never paid a single payment his entire life. He was in collections and was never going to pay it back but me and the others that are trying to pay it back and getting XXXX.
Consumer complaint received 2018-08-20
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (PA)

I'm concerned. I just got this letter from Navient. Before proceeding I want to ensure it is legitimate & that good faith & honesty will be integral to our communications. I did a web search & found that there are outstanding lawsuits against them. Also, I don't have the means to do more than chip away at this debt. I'm XXXX, XXXX XXXX XXXX, & on XXXX. If my XXXX were taken away or significantly reduced, I wouldn't be able to survive. Presently I receive {$1200.00} per month. I'm willing to pay as much as {$50.00} per month, knowing that will only chip away at the principal. Unless I come into some money or live surprisingly well beyond my normal life span as a XXXX, XXXX XXXX XXXX man, I will pass on before making any serious dent on this debt. Please advise me. Can I possibly negotiate with them in a productive, constructive resolution of this matter?
Consumer complaint received 2024-02-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (CA)

I deposited a check for the amount of XXXX via mobile depocit on XXXX but the bank took the money from my account on XXXX because they say the check was deposited XXXX more time but we dont know who did it
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

Hi, I'm submitting this complaint because I have nowhere to turn too! Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that XXXX, XXXX, & Equifax didn't make sure it was reporting 100 % correct. 
In accordance with the FCRA and Metro 2 compliance reporting standards. 
Everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1881e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. I'm disappointed that XXXX, XXXX, & Equifax have not been able to provide me with any documented proof of compliance reporting standards and applicable consumer laws.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

Someone opened a CAP1 credit card in my name without my knowledge and it has a balance of {$2000.00}. I have put in a dispute with XXXX and am calling CAP1 about it.