davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-30
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (NY)

Spoke to multiple customer service agents repeatedly requesting statements mails that I have not received. Also called last month to get a payment amount to take care of 2 smaller charges with the added interests for not paying those two amounts bt promotional date. Was told to make a payment of {$1200.00}. I made that payment. It was not applied correctly. I called today to fix this and find out options for being laid off due to COVID-19. I was told only could defer payment for XX/XX/XXXX. There is not to be interest charged on my balance directly to promotion charge. I was told by the associate that interest would not be deferred. There is not supposed to be interest. I requested a manager. The manager told me they can not fix the payment made and refused to remove the interest that was being charged incorrectly. I hane another synchrony account that was extremely helpful. Care credit was farthest from.
Consumer complaint received 2021-10-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc. (IL)

I received a phone call on XX/XX/2021 from Online Information Services who claim to represent XXXX XXXX. Online Information Services claim the debt I owe is in the amount of {$490.00}. The problem is I never acquired XXXX XXXX services  even when I did reside in XXXX Illinois. During my time in XXXX Illinois though I was at some point the victim of identity theft as I discovered someone had also used my personal information to acquire cable services to which I also disputed.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-10-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY (PA)

TD Bank was running a promotion Open a TD Beyond Checking Earn {$300.00} Bonus. The Terms and Conditions for this promotion are attached. Although I met all the requirements stated in the Terms and Conditions, I did not receive the {$300.00} bonus. I have been contacting their customer service through messages and phone calls. The customer service admitted that I am qualified for the bonus, but they couldnt help me in this case since the bonus is managed by their marketing department. The excuse from the marketing department is that I got a bonus three years ago. However, that account was closed 3 years ago. It states clearly in the Terms and Conditions that the offer is available to new personal checking customers who do not have an existing or prior personal checking account at TD Bank within the preceding 12 months.
Consumer complaint received 2020-03-30
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: SYNCHRONY FINANCIAL (PA)

[ Credit fraud ] To whom it may concern, Hello, I am writing this letter to get your advice about my situation. 

Several days ago, I got a credit report which dropped quite suddenly ( 35pt ). 

It was due to " Syncb/ Paypal '' which I don't know at all. 

I rarely use Paypal and didn't allow them to do a hard inquiry. 

Moreover, I found they charged m {$2200.00}! It's obvious fraud! 

Due to Covid19, I can't reach them. 

I'd appreciate your help. 

Best, XXXX
Consumer complaint received 2021-10-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (TX)

My rights have been violated! On XX/XX/21 I applied for an American Express Gold Card and was subsequently denied. None of their reasons for my denial supersede Federal Law, as I was exercising my right according to 12 CFR 1002.1 ( b ) and 15 USC 1691 ( a ) ( 3 ). They took my application which became a negotiable instrument, due to the authentication feature of my social security number, and never returned it. My belief is that they have sold and transferred my negotiable instrument without my authorization. This is unfair and inequitable to me as the natural person and consumer.
Consumer complaint received 2021-10-18
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: Risecredit, LLC (TN)

I got a call from a collection about this debt that I still dont know where it came from or how it got pend on me because this was not mine. But this collection agency wanted to settle for {$3000.00} so I paid it 2yrs ago and it is still on my credit. Im really modified to get this off.
Consumer complaint received 2020-03-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (TX)

I sent a request to Home Point Financial on XX/XX/XXXX to remove my mortgage account from Escrow. That is, to make me, the borrower, responsible for paying the property tax and home insurance. On the phone, I was told that the appropriate way of requesting this change to my account was by sending an email to the company. I sent the email to the company on XX/XX/XXXX. I was told to expect an acknowledgement of this email within a few business days. This acknowledgement never happened. 

When I called the company to find out the problem, I was told that the company has no record of my request. I sent them a follow-up email on the XXXX XXXX. And still no response. When I called the company, they said they have no record of the email. Since I have sent two emails, I am concerned that this is their standard response to consumers. 

I asked, in a separate complaint to the CFPB, for them to TAKE MY MORTGAGE ACCOUNT OUT OF ESCROW. In their 3-page response, they FAILED TO ADDRESS THIS ISSUE. In case there was any confusion, I only ask to TAKE THE MORTGAGE ACCOUNT OUT OF ESCROW, TO REFUND ME THE BALANCE THAT IS LEFT IN THE ESCROW ACCOUNT AND TO PROVIDE AN ACCOUNTING OF HOW THIS WAS DONE. There is NO transparency in their Escrow process. I wish to take over the payment of taxes and home insurance myself.
Consumer complaint received 2020-03-30
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: LEXISNEXIS (OH)

I was looking over my credit file and I found out that I have a few fraudulent accounts reporting the I never opened up. My full name and current address are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX KY XXXX DOB XX/XX/XXXX SS XXXX The following SS # is not mine XXXX please delete it! 
The following addresses are not my I do not live at the following : XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, KY XXXX I am currently XXXX  XXXX. Please remove the following employers : XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX OH XXXX. I have live here for ove 10 years.The following addresses are not mine please delete/remove : XXXX XXXX XXXX XXXX  XXXX XXXX # XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXXXXXX XXXX NC XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX NC XXXX
Consumer complaint received 2019-04-17
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: CITIBANK, N.A. (TX)

I am a victim of identity theft and have had my information compromised several times. I have submitted documentation to XXXX XXXX and XXXX XXXX credit card several times pertaining to fraud on my bank account and credit cards to which I have not received any phone calls or assistance in resolving. In XXXX of XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX my account was compromised as well as in XXXX and XXXX of XXXX. I have completed a police report in reference to said incident in which someone gained access to my XXXX XXXX  account and processed a fraudulent transaction. This has caused many issues with my checking account in which the bank acknowledge and funds were released to said creditors. XXXX XXXX has failed act reasonably to aid in this issue and closed my credit card.
Consumer complaint received 2019-12-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (GA)

I would like to start by stating I am home bound and unable to leave my home. I opened an account with Wells Fargo online. I received the debit card but never received the pin. I lost online access and based on their system I need the debit card pin to regain online access. I called on 4 seperate occassions about getting a debit card pin sent to me. Each time I was told a pin was sent and resent to me please allow 7 business days for delivery. I waited patiently and it never showed up. Finally on the 5th phone call I was told I needed to confirm a pin sent to my cell phone but the system would not allow the pin to be sent at the time. I called two more times and eah time informed the system is down. Meanwhile U dont have the access I need to my money. Not to mention after telling them each and everytime I was home bound and couldnt go into the branch I was repeatedly told I need to make a way to get there. Wells Fargo is insentive to customers with problems. Finally I decided to close the account and was told the system would not allow it to be closed. Today I was finally transferred to the executive office and instructed the account cant be closed and they cant send me a cashiers check and try to coordinate something with a local branch. Mind you I am homebound. This has been an ongoing situation for at least 8 months and meanwhile fees and being deducted from this account each month for non activity. I was contacted by Wells Fargo following my recent complaint and told to send a letter which I did and those account is still not closed. Meanwhile every month account fees are being deducted.
Consumer complaint received 2020-03-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (MD)

PNC Branch offices closed due to virus in XXXX XXXX XXXX XXXX Residents about half of whom are over 90 using atm for the first time. The interface on the atm default process for deposits is express cash which has a 2 % fee for immediately available funds. Fee is disclosed and an option for standard availability is available. However few residents are sufficiently fiscally aware to understand that choice. 

I asked the bank to remove the express cash option for our community. They declined. 
I asked the bank to send out a letter to customers offering an opt-in for the feature. They declined. 
Our residents are generally are on fixed incomes or have portfolios that have lost significant value. At the very least PNC should refund any fees that are charged.
Consumer complaint received 2022-04-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

XXXX Loan # XXXX Re : Short Sale To Whom It May Concern : I know that XXXX XXXX  is the investor and not the servicer on this loan, but I am doing all that I can to expedite this matter as it is extremely time-sensitive. 
With all due respect, I urgently need the short sale approved so we can move to close escrow. It was just approved at XXXX good through XX/XX/2022. That buyer came down with XXXX and was hospitalized. I submitted the backup offer at XXXX. Your BPO expired and you did a new one and somehow increased the value by almost {$100000.00}. I have sent you a higher offer of XXXX and the net amount to SPS and the investor is now over 90 % of current BPO valuation. The buyers have paid a decent sum of money to extend their rate and lock it in. They have sold their house to buy this one. We are all waiting on SPS ( and XXXX XXXX ) and the short sale approval letter to move to close and they call me every day for an update, day after day. RESPECTFULLYwe just need the short sale approval letter so we can move to close and get this bad debt wiped off your books. The house needs {$300000.00} of work, mold remediation, and construction to make it livable. Despite current sales in the area, the last BPO is incorrect and the BPO prior to this one is exactly what this house is worth. THAT SAID, the buyers have agreed to raise their offer by {$25000.00} to {$970000.00}. SPS will not tell me what they need to net, which is such an imbecilic practice and makes the short sale process, which is already long and tedious, even longer with unneeded offers and counter-offers ; just tell me what you need! Even your own reps in the Ombudsman Dept and Short Sale Dept agree with me on this point. It makes no fiscal common sense to play the guessing game on what the investor needs to net in this market. PLEASE escalate this short sale file and please issue the short sale approval letter in the new buyers name so we can all move to close. The buyers have a ticking clock on their rate, are living out of suitcases, and I do not want to start over from square one on this short sale. Everyone is committed to closing, ASAP. The offer amount is above what is mandatedlets close! Your energy and attention to this matter are greatly appreciated! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | XXXX XXXX
Consumer complaint received 2021-10-18
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Source Receivables Management LLC (VA)

Hello, I had used XXXX phone number between XXXX and XX/XX/XXXX. I was valuable customer and paid all the bills on time. Before cancelling the service, i contacted with one of the representatives and requested to cancel my service and made sure everything was fine at that time. Then after cancelling my service, until now i have received bills to pay and now even collection company named Source Receivables Management has still been calling me to pay for the service of XX/XX/XXXX. At that time i had already cancelled my service with the company and did not even use one day of service. I tried to explain that i had already cancelled when the collection company called me but they just told me to pay money for the service I did not get. I tried to contact with XXXX company to figure out whats going on and they asked me to pay different amount of money for different duration of billing period than collection company. Therefore, I can verify that I am still receiving bills from XXXX company even though I stopped service over a year ago. This XXXX company gave my information to another debt collection company besides this one too. I have email from that company. 

Please help me figure out what is happening. 

Thank you so much for your time and consideration
Consumer complaint received 2020-03-30
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (MT)

I am filing a complaint against Loan Depot .com LLC. The following is a letter I emailed to them about my horrific experience. They made a credit check and a loan application for me which was not requested or asked for. They sent my personal information through the mail twice without a reason or consent to do so. 
I called the company on XX/XX/2020 and told them of my complaint and they mailed me a second loan packet instead of removing my information as I had requested. This company is fraudulent and should not be allowed to deal with the public. 

Loan Depot President, I called for a quote on loan mortgage rates only!!! I had the unfortunate luck of getting XXXX XXXX on the phone. 

I told her we only wanted a rate quote and she took my information and it took sooooooooo long that I almost hung up on her several times. 

She not only took over an hour of my time on the phone, but I receive in the mail a huge loan package. 

I was not making an application for a loan. Only trying to get a rate quote. 

I am so livid that she ran our credit and then has since sent me two huge packets in the mail with all of our personal information inside. 

Wow, what a waste of my time and paper, and putting my personal information at risk. I can't even tell you how angry I am at loan depot and XXXX XXXX. 

Remove my credit score run immediately and remove all of my data from any and all of your information storage. 

My name, number and information better not be sold or get leaked to anyone. 

I am also filing complaints with the XXXX  XXXX XXXX  and all the credit outlets. 

So Angry and Upset XXXX XXXX
Consumer complaint received 2020-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (LA)

Equifax is reporting incorrectly that I am ( 120 ) days past due on the XXXX partial account numbers ****XXXX  ; XXXX ; XXXX ; XXXX ; and XXXX. Please see pages attached from my credit report. ) First, these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureau and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureau to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2021-10-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (IN)

Care Credit closed my credit card account due to my credit score/history. I did not authorize the company to pull my credit. Also, I have never been late making payments to this credit card. In fact, I often pay it off soon after a charge. A few months ago, I could not keep up with some of my payments due to having COVID and was off work for approximately one month. I am an XXXX  XXXX  and have been caring for patients in serious conditions due to COVID. Also, I, unfortunately, started a program back in XX/XX/2021 with XXXX XXXX in order to get control of my credit card and student loan debt. They pushed me to not make payments to a number of my accounts which has made my credit score drop significantly. I am now working over 60 hours a week to make all my payments and have not been late since I have quit the program with XXXX XXXX. I really don't see how a company can treat its customers this way, especially during a pandemic. It's a struggle for everyone, and they are making it worse. I have been a loyal customer to Care Credit and as I said earlier NEVER late making payments on my credit card.
Consumer complaint received 2020-03-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Comerica (CA)

On XX/XX/2020 at XXXX XXXX I used my Direct Express Card at a XXXX XXXX  drive-thru ATM to withdraw {$800.00}. It did not dispense my cash and on my receipt it clearly state that it can not dispense my cash at the time. I have called Direct Express and XXXX XXXX  every day since the transaction and have gotten nowhere. I have called Direct Express and they gave me a fax number to send them a letter in any kind of proof. That was faxed to them on the XXXX of XXXX with proof of a receipt stating it did not dispense my funds. Anytime you call Direct Express you get hung up on or they tell you you have to wait 90 days. Why should I have to wait 90 days when I showed them proof that XXXX XXXX statement clearly states that it did not dispense my money I don't understand why I can not be credited back my {$800.00} which is for my rent on the XXXX.
Consumer complaint received 2023-07-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (LA)

Chase bank continues to place unnecessary holds on large deposits into my bank account. For example, my wife wrote a check to me for {$30000.00}. I deposited the check into my Chase bank account on XX/XX/23. The funds were withdrawn from my wife 's XXXX XXXX XXXX account on XX/XX/23. As of today ( XX/XX/23 ), Chase still has a hold on the funds in my account. The following message is displaying in my account online : " We need more time to collect the money from the paying bank so your deposited funds aren't available yet. '' This is 100 % not true. There is no reason why the funds should still be on hold in my bank account when the funds were withdrawn from my wife 's account 2 days ago. If the funds are not in my wife 's bank account and they are not in my bank account... where are the funds???? I need these funds asap.