davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-30
Product: Credit reporting, credit repair services, 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 (NJ)

On XX/XX/2019 I reviewed my consumer credit report and seen various Wal Mart/Synchrony Bank inquiries I called Synchrony to report that I don't have any Wa Mart credit cards open nor have I recently applied for a Wal Mart credit card. The customer service associate provided me with very little details about the account she did mention that the account I am questioning is a business credit card closed with an outstanding balance she referred me to a collection agency called XXXX XXXX XXXX , XXXX to discuss my concern further. 
I reached out to XXXX  which is a collection agency they was absolutely no help with the reason of me calling which is to discuss this Wal Mart Business Credit owned by Synchrony Bank.
Consumer complaint received 2023-01-15
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: National Enterprise Systems, Inc. (AL)

National Enterprise Systems called me on Friday XX/XX/XXXX at XXXX XXXX. I spoke with XXXX  XXXX first. He informed me that he was calling on behalf of XXXX XXXX XXXX  to collect on a debt in the amount of {$9900.00}. He said my account was in a pre-legal status and the company XXXX had already chosen an attorney in my area if I didnt pay the debt. I told him I couldnt pay the full amount but I could begin making payments. He said your account is currently in a Pre-legal status so you need to pay in full I said what if I dont pay in full? He said then we will refer your account back to XXXX XXXX  and they will send it to the attorney they have already chosen. I explained to him I can not pay the full amount. He said well I could reduce it down to {$4500.00}. I said I dont have a large amount to pay. I can only make payments. He then put his alleged supervisor on the phone XXXX XXXX. He told me he could get it approved for {$3900.00}. I explained again I dont have a large amount. I can only make payments. He then told me he was looking at my credit report and he could see a XXXXXXXX XXXX XXXX  that had the availability balance on it. Im really not sure HOW he could see my credit report because I did not authorize him to run my credit at all to view my creditors.

I told him that cars was my husbands and I couldnt use it. He then told me that the full balance is due and asked if I have anyone that could pay it? I said I might could call my parents. So I told him I would call him back. He was very insistent that I place him on hold and call my mom. I told him I couldnt do that. He said two more times. I then told him no and I would call him back. 

Finally I remembered receiving a letter stating the account XXXX was actually placed with a company called XXXX XXXX. So I called them and asked about this and they informed me XXXX does NOT have the authority to send my account to an attorney. So they lied to me about that. 

I called XXXX back and spoke with XXXX XXXX again and told him this and he played XXXX and acted like he never gave me that impression. 

Im sure if the recording was pulled it would be proven he did threaten an attorney when they dont have authority to do that since the account is technically owned by XXXX XXXX XXXX 

Im attaching the letter where they told me they could get me down to XXXX to pay.
Consumer complaint received 2019-12-30
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (MI)

A debt collection company has failed to validate the debt and provide valid legal proof that the debt is owed. I don't remember going into any contractual obligation with the original creditor are agreeing to an open contract are receiving any good services with the original are a debt collector. The debt collector is damaging my credit and has accessed my credit report without my permission and is invading my privacy and defamation of character. The debt collector has failed to comply with the 30-day requirement to validate the debt per Fair Credit Reporting Act and Fair Debt Collection Practices Act and must stop harassing me and violating my statutory rights by trying to collect this unvalidated debt by a valid ( wet ink ) contract. The company is proving false information that I owe them to I believe all three Credit Bureaus, XXXX, XXXX, and XXXX. The account they are reporting and under is from a 01 XXXX XXXX XXXX XXXX XXXX for an amount of {$4200.00}.
Consumer complaint received 2024-06-13
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: AMERICAN EXPRESS COMPANY (MI)

XXXX XXXX XXXX XXXX XXXX XXXX Charged my Card {$XXXX} for No Service Provided. 
XXXX On XX/XX/year> I Disputed these fraudulent Charges with American Express XXXX Ref. No. XXXX. 
XXXX On XX/XX/year>, American Express Closed the Dispute with no resolution, apparently, American Express relied on False Invoices provided by XXXX XXXX XXXX, for a vehicle that they didn't perform any work on. 
XXXX American Express even refused to provide me with documents to determine the validity of the debt. 
XXXX TCC and American Express XXXX advantage of my XXXX XXXX, to run this scheme, and deprive me of my right to dispute fraudulent charges.
Consumer complaint received 2019-12-30
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: NATIONWIDE ACCEPTANCE LLC (IL)

Everyday for the past month and a half the finance company for my car call me and my boss repeatedly at work threatening me and my boss. I am not allowed these kind of calls at work. they will call every 30 seconds until someone answers the phone. Our company handles hundreds of calls a day and they are interfering with company business by tieing up our phone lines. I have told them and so has my boss these calls are not allowed over and over. The calls are unprofessional and involve curse words. I have been told if this keeps up I will loose my job. This company uses multiple phone numbers and even some type of untraceable numbers to call.
Consumer complaint received 2019-12-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (CA)

I am writting to report multiple violations to my rights as a consumer. I tried to solve this matter with Macys/DSNB in the past, but they have failed to give me a fair solution to my issue. I have a Macys/DSNB. Acc # XXXX. Opened : XX/XX/XXXX. Status : Closed. Limit : $ XXXXThis company has been reporting incorrect information to the credit bureaus.

This company has failed have failed to provide me with an answer to my letter sent back on XXXX XX/XX/XXXX. They did not listen to my demand and the did not even acknowledge my time spent in sending this correspondance to them. As of today, the account is not under investigation since they did not remarked it as disputed. This is a violation to the FCRA. They are being Unfair and Negligent. 

They are also committing violations to the section ( 609 ) of the Fair Credit Reporting Act by reporting false and erroneous information. This account is related to fraud and they are still reporting it. 

This is affecting me physically and mentally and I want a fair solution to this issue. I am demanding a deletion letter from Macys/DSNB and I want them to stop collection activity on this account. If they dont provide me with the deletion letter that I am demanding, I will not hessitate taking this to a court so a judge decides. I am sure that when I sat down with my attorneys the list of violations will go up. 

Thanks to whomever reads my complaint. See attached documents sent to Macys/DSNB, which they ignored.
Consumer complaint received 2022-01-22
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Transunion credit reporting agency refused to report mortgage with XXXX. XXXX is reporting to all three credit bureaus.
Consumer complaint received 2023-01-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Last XX/XX/XXXX someone open a checking account at Bank of American without me knowing it. Then transfer {$500.00} from my checking account to the checking out they open. So they took the {$500.00} and send it to remittance. So I told XXXX and they did investigate and gave me back my money and I closed the account they opened
Consumer complaint received 2019-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

The errors date back to XX/XX/2019 to present. My credit ws XXXX with XXXX  and equifax and then it dropped more than 100 points without explanation. I have been a homeowner for 2 1/2 years with excellent payment history. I have leased a car for 2 years with excellent payment history. I hav no derogatory marks on my credit. There was a mistake by XXXX erroneously putting my account into collections. That eror should have been corrected by now. If the problem is not resolved ASAP, I will take legal action against XXXX and any other entity responsible for this mistake. I am a XXXX veteran.
Consumer complaint received 2019-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

My Transunion credit report shows a closed account for : XXXX XXXX XXXX XXXX Line of Credit Closed : XX/XX/XXXX Remarks : Chapter XXXX Bankruptcy Last reported : XX/XX/XXXX This account was actually closed in XX/XX/XXXX and discharged in Bankruptcy in XX/XX/XXXX. 

Because of the inaccurate reporting, I have been denied a mortgage, loans, credit cards, and have even been denied opening checking accounts. 

The way XXXX has reported this makes it look like I had a closed account 2 years ago and filed bankruptcy 2 years ago. 

As stated above, this account was closed over 12 years ago and discharged in bankruptcy over 9 years ago. 

XXXX XXXX XXXX XXXX should not be reporting this account at all due to the age of the account. 

I have reached out to XXXX several times. 3 times in XX/XX/XXXX, and once this past week. 

XXXX has confirmed with me that the account was infact closed in XX/XX/XXXX, not XX/XX/XXXX and that it was discharged in XX/XX/XXXX in bankruptcy. I have been met with great resistance though in getting them to correct the information they are reporting to credit bureaus. They have told me numerous things, just dispute it on my credit report, that they will take care of it, etc. Nothing has worked and as recently as XX/XX/XXXX they have not corrected this issue and misreporting and the item and the inaccurate information is still on my credit report. I have even gone as far as to dispute the information but XXXX validates it every-time and says what is being reported is accurate. 

We even have a letter from XXXX   confirming the account closure in XX/XX/XXXX " not XX/XX/XXXX '' and that the bankruptcy was in XX/XX/XXXX, this letter and the recent  communication has been attached.
Consumer complaint received 2023-05-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CHARLES SCHWAB CORPORATION, THE (OK)

I am filing a second complaint against Charles Schwab as the first one was not resolved as the company assured me it was. My social was used to wrongfully open three accounts through Charles Schwab. I have called and reported this more than five times and I was assured over and over that it was taken care of but the accounts were close that I would no longer receive communication yet here I am still receiving letters in the mail from them. Including today. First, I have massive concerns with their XXXX  procedure. the fact that someone could even open an account with such little data. Secondly, I have massive concerns that Ive been reporting fraud for a year now and its still not been resolved. Thirdly, I have asked the company to stop contacting me after I told them about this fraud yet they still continue to do so, I need this resolved. I never wan na be contacted by this company again yet I cant seem to get these accounts clothes that were open fraudulently. I have never and certainly now will never have an account with this company. I want every single account to close and I want to never hear from this company again.
Consumer complaint received 2019-12-30
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: JPMORGAN CHASE & CO. (CO)

On, or about, XX/XX/XXXX, I called JP Morgan Chase Financial to inquire about the pay-off and purchase price for my auto lease for a XXXX XXXX XXXX XXXX. I was informed that there was nothing they could tell me until my lease was paid in full. 
On, or about, XX/XX/XXXX, I made my final lease payment nearly 4 weeks early so I could begin the purchase process. 
After waiting 5 business days for the account to be updated, I called Chase again. I was told to go see the dealer whom I leased the car from to refinance it. After visiting the dealer and obtaining a purchase price that was over {$1500.00} more than the contracted purchase price stated in the lease, and having the car keys taken until a demand had to be given in order to get them back, the dealer price was unacceptable. 
On, or about, XX/XX/XXXX, I called JP Morgan Chase Financial again to inquire about the pay-off and purchase, and was told this time that Chase would do the financing. I agreed, and Chase tool all my information and said someone would call me back. Nobody ever called back. 
On, or about, XX/XX/XXXX, I called JP Morgan Chase Financial again to inquire about the pay-off and purchase, and was told someone was working on it. 
On, or about XX/XX/XXXX, I called XXXX XXXX XXXX to inquire about financing the purchase of my Lease that doesnt officially end until XX/XX/XXXX ; last payment due XX/XX/XXXX but made XX/XX/XXXX. XXXX XXXX took all my information and said they would let me know. 1 day later I was approved, and all they needed to know was the details of the payoff from Chase that I have been unable to receive. 
I called Chase several times since then, with the most recently called and spoke with Chase on XX/XX/XXXX. At that time, they said they would fax over the buyout package to my XXXX XXXX representative and I gave them all names and numbers to fax immediately. At that time, they again tried to make me talk to someone who could clear up the problem, but I knew it was someone who would again try to sell me on their local financing and then never to be heard from again. I told them I only needed my payoff package and the girl said it was on its way. To date, XXXX, my XXXX XXXX representative has received nothing from Chase and my lease is officially over, with Chase expecting new payment but will not give me any response of the buyout amount in writing.
Consumer complaint received 2020-06-09
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (MA)

On XX/XX/XXXX, I was contacted by AmeriSave Corp in response to my XXXX XXXX query on refinancing my existing mortgage on my primary residence. During my conversation with the lending officer, XXXX XXXX ( " XXXX '' ), was was told I was eligible for a 3.25 % loan with no points and that at closing I would be given " a check for {$2000.00} ''. After comparing their rates to that of other lenders, I decided to proceed with the mortgage application and paid a {$500.00} application fee. During the application process, I provided all requested documentation of my finances. The initial disclosure documents were provided to me on the AmeriSave website, but every time I tried to open/view them, I received an error message. I informed the lending officer via email on XX/XX/XXXX that I could not view the documents, but he never responded to my email ( s ).

When I was approved for the loan and contacted to schedule the loan closing, I was finally presented with the final " Closing Disclosure '' documents. It was then that I saw that I was being charged " points '' in the amount of {$750.00} in direct contrast to what I was told up front by the lending officer. I also had to pay {$110.00} at closing, rather then receive a {$2000.00} check that was promised. When I questioned this, I was told that it would be corrected by his manager. I few days before closing, the figures still hadn't been corrected and during conversations with the lending officer and his manager, I was told they " weren't going to just give me {$2000.00} '' and that the loan amount would be increased by this amount if that was what I wanted. The day before closing arrived and the figures still had not been adjusted by the manager. I could not trust that this would ever be corrected, so I had no choice but to refuse to proceed with the closing.

I feel that AmeriSave was not honest with me during the application process and that they should return my application fee of {$500.00} which they obtained with false promises and lies.
Consumer complaint received 2019-12-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A. (MI)

On XX/XX/2019 I visited my local PNC bank to inquire why my checking account was continuously overdrawn, since I very seldom use the account. I use the account for direct deposit savings primarily. I spoke with Mr. XXXX XXXX, who printed out an account transaction detail report. He and I discovered that there were weekly unauthorized withdrawals of $ XXXX {$29.00} from XXXXl XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX 
I immediately phoned these companies to stop payments. XXXX XXXX that they would refund my money and close the account. I was unable to contact XXXX XXXX, XXXX, ( just music playing-no answer ). I requested to close my account with PNC, but Mr. XXXX advised me against the closing until my money was reimbursed. He assured me that he would file disputes against these payments and I would be reimbursed. Needless to say, the very next week 2 more withdrawals from my account was made and PNC did not stop the payments even while they were in dispute. 
My account transaction detail report indicated that this has been occurring for over a year, totaling to well over {$2000.00}. 
Mr XXXX informed me on XX/XX/2019 that due to the number of times these unauthorized withdrawals were made, the bank will not reimburse my money, and they could no-longer assist me.
Consumer complaint received 2020-06-09
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2019-12-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (IL)

Hello, My debit card was stolen on the night of XX/XX/XXXX. The next day I discovered {$6000.00} in unauthorized charges had been posted to my account and called right away to cancel my card. I was asked if the PIN was written on the card which I replied no. Once the situation was under control I took inventory and realized the PIN was written on a separate paper that was also missing. I visited the branch office on XX/XX/XXXX located XXXX XXXX XXXX XXXX, XXXX, IL XXXX to update my claim and submit evidence in the form of my location history for the last few days. After waiting many days heard nothing. I called back several times to get a status however Chase was not able to give me any information and it seemed they were not taking steps to properly document as they were missing evidence I had submitted in person. They did not communicate to me what I could have done to help the process or even to keep me informed on the claim 's status. Every phone call was a struggle to get basic information and in the end they rejected my claim with their only suggestion being to obtain a subpoena on all the places my card was used to prove these charges we not made by me.
Consumer complaint received 2019-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BB&T CORPORATION (MD)

BB & T Account Number XXXX was charged off and I received a Form 1099-C for {$14000.00} ( copy attached ) for Calendar Year XXXX and then the Amount Past Due was {$0.00}. However, beginning in calendar year XXXX, BB & T is reporting the Amount Past Due as {$15000.00}. BB & T can not show cancellation of debt income in XXXX for the entire balance owed and an amount past due in XXXX, because I have already been taxed on the cancellation of debt.
Consumer complaint received 2019-12-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (WI)

PHHMortgage holds mortgage with collection being managed by XXXX. Previously, processing was through PHHMortgage directly but moved to their XXXX legal entity. We signed agreement in XXXX that XXXX was to release the escrow for our property taxes by XX/XX/XXXX. They failed to do this. It is now XX/XX/XXXX. 

Placed call and through several customer service escalations we were told conflicting information : 1 ) The check was mailed to us on XX/XX/XXXX 2 ) XXXX didn't know if it was sent to us or the local tax office ( I personally confirmed, this has not been received by local tax office ) 3 ) XXXX was not sure if it was actually issued I have discovered the company is working through multiple legal entities operating out of same business address and is operating their debt collection services out of overseas offices. This may or may not be a legal arrangement, but I am concerned that I have been victimized by a shell organization and that i will never get my money back. 
The varying responses from customer services indicate the staff has been given only cursory information to communicate to callers and have no access to information indicating they are aware of any actual mortgage processing activities specific to my account.