davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JAN (LendUSA) Holdings, Inc. (FL)

I mailed in my mortgage payment XX/XX/2020 for initial payment to be applied XX/XX/2020 instead of XX/XX/2020. I have sent several emails requesting receipt and to acknowledge my request to apply payment XX/XX/2020. I called LendUS twice at XXXX XXXX XXXX and the response that I get is that the check has not been received and payment is not due until XX/XX/2020 ignoring my request to apply payment XX/XX/2020. I expressed my concern that the check mailed in XXXX was not received and Im expected to mail another payment for XXXX as there is no online payment process. The agent went on further to say if they receive 2 payments LendUS will apply one payment to the principal again ignoring my request for payment to be applied XX/XX/2020. 
All Im asking LendUS to do is to apply my payment sent XX/XX/2020
Consumer complaint received 2020-04-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: SYNCHRONY FINANCIAL (PA)

I use PayPal, I also have account with Synchrony. Synchrony contacted me last year I believe XXXX, XXXX. They informed me my account was hacked they closed it issued me a new card. After that i paid card off, fraud and all i wanted nothing to do with this bank. They advertise 2 % casg back on everydollar spent but you dont see it after 2 months. They said paypal was responsible, I contacted paypal to inquire about it the person became rude gave me no explanation. I asked for my account to be closed, and that I no longer want to deal with them. They refused to close my account and told XXXX, were I use to shop I committed fraud. I haven't been allowed to shop there any more with out giving them my banking information which I will not do. There other personal things on my statement that's not there business. I have an XXXX credit score, I'm XXXX yr old a veteran suffering with XXXX and can no longer deal with this company on my own. I'm asking for your help, guidance. 
XXXX XXXX XX/XX/1950 XXXX XXXX XXXX XXXX XXXX PA XXXX. 
XXXX
Consumer complaint received 2021-06-20
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: TRANSWORLD SYSTEMS INC (IN)

I requested a 30 day payoff statement from my loan company to refinance with another company. They initially told me it would take 48 hours to appear, and when I didnt get it, I called back. The gentleman told me it can take up to 3 business days and to keep waiting. Several days later, I called again and a woman informed me it actually takes 10-14 business days ( which seems insane but fine ). After anxiously waiting without ever receiving the document, I finally I called on the 17th business day and was basically told that someone would look into it, and that she would send a 2nd request just in case. My first loan payment is now past due, my refinance application with the other company expires in 5 days, and this payoff statement ( whenever I do get it ) actually expires in 4 days. Meanwhile, the loan company continues to accrue significant amounts of interest with every day this is delayed.
Consumer complaint received 2021-06-20
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Affirm Holdings, Inc (PA)

I purchased a XXXX XXXX in XX/XX/XXXX. I paid the loan off in XX/XX/XXXX. XXXX issued a voluntary recall of the product for a full refund. My return was processed via Affirm, since I financed my purchase through Affirm. The refund was received by Affirm on XX/XX/XXXX, per their online system. They issued a partial refund but there is a remaining balance of {$4000.00} that hasnt been returned to me. Attempts to get the rest of my refund havent been successful. Affirm states that refunds via check will take 21 business days. There is nothing on their site that says it will take 21 business days to receive a refund.
Consumer complaint received 2021-06-20
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: Experian Information Solutions Inc. (PA)

XXXX XXXX account number XXXX opened XXXX FTC filed this is not my account nor obligation 15 use 1681 ( b ) ( A2 ) - costume law I need for u to remove all .This is a violation of my consumer rights 15 usc 1681b ,15 usc 1692j, 15 usc 1692d, 15 usc 1692e, 15 usc 1692f
Consumer complaint received 2019-04-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SD)

Someone got a hold of my credit card and made fraudulent charges on XX/XX/XXXX in XXXX XXXX, and charges on XX/XX/XXXX, and XX/XX/XXXX in XXXX XXXX, SD. for a total of {$130.00}. I immediately disputed the charges and sent information to Bank of America proving that I was nearly 200 miles away when the charges were made on XX/XX/XXXX. 

Bank of America said that since the pin was somehow used, even though I was in another state, that I would have to pay the charge. I closed my account and paid the charge. 

I thought that it was the end of it, but on XX/XX/XXXX I was charged for the charges made in XX/XX/XXXX in XXXX XXXX after they had initially taken those charges off my account. Although I was in XXXX XXXX on those days, it his more than 200 miles from XXXX XXXX. 

I feel like Bank of America has unethically penalized me for closing my account with them.
Consumer complaint received 2021-06-20
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (KS)

Two months ago, I received a banking statement from USAA that had been delivered to my former XXXX XXXX, XXXX  address. The gentleman who now lives there gave it to the mail carrier and the Post Office forwarded it to me. I then forwarded it to USAA Federal Savings Bank so they could fix my address. Here it is XXXX, and again a statement went to my former XXXX  address. I have sent emails and street mail to USAA - they continue to ignore the fact that I now Live at XXXX XXXX  XXXX XXXX in XXXX, XXXX  : thus my need to file a Complaint with CFPB.
Consumer complaint received 2021-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (PA)

The credit bureaus are refusing to give me my reports. All my consumer reports, XXXX  reports, and IRS transcripts show someone else has veen usi g my name and social with incomes, taxes, insurances, XXXX, medical care, and now they are refusing to send me my reports. I have a ton of breach reports and now XXXX XXXX for my tax acxountant breach and still not being given my repirts.
Consumer complaint received 2020-04-07
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (PA)

My wife and I recently purchased a home which is in need of some repairs so I decided to attempt to open a Lowe 's credit card. 

At the time of initial application, I was told that Synchrony Bank needed more information and that I could either call or wait for a letter. I have pretty good credit so I was a bit surprised, but in any case I waited for the letter in hopes that it would explain what information they were looking for. 

The letter arrived had no background information other than I needed to call Synchrony in order to resolve the issue. I called Synchrony, was passed to a second customer service representative who relayed that I would be getting an email in the next 10-15 minute where I would need to provide a response. She said that I need not wait on the line. That email never showed up. 

A few days later, I again called Synchrony and eventually made it to a customer service representative who asked me to confirm my address. I did, and also relayed that I had very recently moved which was the reason for the Lowe 's card. 

I inquired if this resolved the issue and the customer service representative 's only response was that she had done her part and it was up the automated system. 

I received an email letter that my application was declined because they are unable to confirm my identity. There was zero due diligence on Synchrony Bank 's behalf to resolve this issue.
Consumer complaint received 2020-04-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: EVERBANK, NATIONAL ASSOCIATION (IL)

I applied for and opened a TIAA Bank checking account on XX/XX/XXXX. I applied under a {$250.00} promotional bonus offer, which required qualifying direct deposits of at least {$1000.00} within 90 days of account opening. I successfully fulfilled this requirement by having an employer payroll direct deposit of {$1000.00} posted on XXXX. 
The promotional offer terms stated that the {$250.00} bonus amount would be deposited into the checking account within 120 days of account opening date. The 120 days date for my account would have been XX/XX/XXXX. This date has now past and no bonus has been credited to my account. 
I sent TIAA a secure message on XX/XX/XXXX within my online banking account inquiring about the status of my promotional amount being credited. TIAA bank took 4 days to respond to my message, only to inform me that I am not eligible for this promotion. I find TIAA Banks response to be unacceptable and deceiving as a customer because I applied for this promotion from a public offer landing page and successfully signed up and completed all stated requirements. Only after I followed up via secure message to inquire on the status of my promotional being credited to me, was I then told that I am not actually eligible for this promotion, which makes no sense. It is ridiculous to me that the bank can only tell me this after I followed up, when it was previously communicated by approving my account and allowing me to apply for a checking account from a {$250.00} promotional page that all signs pointed to the fact that I am indeed a properly eligible and qualified customer for this promotion. 
With consideration to the information provided above, I respectfully request that TIAA Bank rightfully issue the {$250.00} promotional amount to my checking account as part of the offer I signed up with and successfully fulfilled the requirements for.
Consumer complaint received 2021-06-20
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Applied Data Finance, LLC (SC)

When obtaining this loan I was not aware that interest rate is almost 100 %. I borrowed {$3500.00} and will end up paying more than {$11000.00}. How? I can not afford that. In all honesty they were not forthcoming with this information after I applied online and they called me. I have been making {$140.00} payments every two weeks since XX/XX/2020 and I still owe XXXX. How? Somethings not right about this company.
Consumer complaint received 2020-04-07
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. (AR)

I wanted to start building my credit because I am close to the age were I am going to start wanting to purchase big things. I been applying for several different credit cards and I been getting denied from each one. I received a letter in the mail from the most recent credit card I applied for stating that I was denied because of derogatory items. I was confused because I have never even applied for much items and the one credit card I had I paid for it and had the account closed. I decided to pull my credit and there are a coupe of unknot items that do not belong to me. Please remove these fraudulent items from my report. I have been a victim of identity theft.
Consumer complaint received 2021-06-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO. (MA)

XXXX thru XXXX ______________________ To : Staff Consumer Financial Protection Bureau 1. There has been a Health Crisis in Family concerning Covid/19 Impact on the everyday wellbeing of Family Life. 
There has been XXXX XXXX XXXX, XXXX XXXX  with Sister/Law Underlying Conditions /Possible XXXX with other Family, Etc. 

2.That there is certain New Laws Passed by Congress during Coronavirus Pandemic & other U.S. Laws that protect Veterans, XXXX, Etc 3.That had called J.P.Morgan Chase Bank concerning Financial HardShip without workable Plan. 
That the Address Contact : J.P. Morgan Chase Bank XXXX XXXX XXXX XXXX, Delaware XXXX XXXX No XXXX
Consumer complaint received 2020-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (CO)

I have always paid my account on time every month thru the website that the company provided and i always received notice that they received the payment. However, one month they notified me 30 days later that they never received the payment. I quickly paid it as soon as I was notified and I tried disputing it with the company because I had paid it and it was their websites problem and not my mistake but they refused to remove it even though they acknowledged that it may have happened since they have intermittent problems with their website. Please help as this is affecting my ability to get the best rates on a home loan and this was not my mistake.
Consumer complaint received 2021-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (GA)

Hello, XXXX XXXX has been retrieving incorrect information from XXXX and Experian. 

Debts on the account are reported multiple times and are old accounts. 

There is a debt showing with a balance of over {$1300.00} when it has been paid. 

Because of this incorrect information, I have been denied an apartment, that I so desperately need due to not having a home.
Consumer complaint received 2020-04-07
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: TD BANK US HOLDING COMPANY (PA)

TD Bank has informed me my HELOC account has been frozen with no explanation as to the reason. HELOC was recently paid to XXXX and I requested it remain open. I previously submitted a claim to CFPB as TD Bank would not release my over payment refund to me which has since been resolved. 
I was informed by secure TD Bank Portal chat on XX/XX/XXXX that my credit line is frozen and at {$0.00} and I must visit a Branch to complete documentation. I immediately responded to that message asking for more information and I have received no response. I sent another message on XX/XX/XXXX with no response. I have contacted XXXX XXXX of TD Bank on XXXX, XXXX, & XXXX with no response. I have contacted XXXX XXXX of TD Bank of XXXX with no response. I have called TD Bank at XXXX and waited on hold in excess of 60min with no assistance. I have emailed the Manager of my local TD Bank branch on XXXX with no response. 
I am paying a yearly service fee to keep my HELOC open and the funds available for use. My HELOC is in good standing and all payments have been made and paid to XXXX. I do not see any contractual reason why this account has been frozen or why I must visit a branch for further documentation.
Consumer complaint received 2020-04-07
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (WA)

I changed my auto-draft amount to a lesser amount in XXXX on myloancares website. It was set-up to withdraw from my checking. But it withdrew from my savings. Ive had this issue for 4 months straight and I dont know what else to do. Ive incurred more than {$100.00} worth of fees from this companys all because of this. I bank with XXXX, but quickly realized it wasnt there fault but myloancare. I emailed to request a refund since it isnt XXXX  fault but myloancare for not taking the money out of the correct bank account.They tried taking the money XX/XX/XXXX. From savings even though it was set-up for checking.
Consumer complaint received 2020-04-07
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Avant Credit Corporation (OH)

On XX/XX/XXXX, I scheduled a payoff payment for a personal loan with Avant. They told me the amount of the payoff was {$4300.00}. On XX/XX/XXXX at approx XXXX, I dropped in a mailbox at the United States Postal Service at XXXX XXXX XXXX, XXXX , OH  XXXX a check for {$4500.00} written by my bank, XXXX XXXX XXXX XXXX , to Avant , LLC . As Avant requested, it was sent to XXXX XXXX XXXX, XXXX, IL  XXXX. Yesterday, XX/XX/XXXX, I spoke with an Avant customer service representative on the phone. That person told me that they have not received the check I sent. That person also told me my loan balance is now between {$4400.00} - {$4400.00}. It is convenient for Avant to claim they have not received the payoff check because the balance on my loan with Avant increases daily. The longer they can claim they have not received the check, the more my balance with them increases. From the date I sent the check to them to yesterday when they claimed they have not received it is 12 days. It does not take 12 days for regular mail to go from XXXX, OH  to XXXX, IL.
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 — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.
Consumer complaint received 2021-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: LEXISNEXIS (PA)

I ordered my consumer report, and noticed many instances of erroneous/False information.I sent back a dispute and never received anything in response indicating there was a investigation being done. what the investigation turned up or anything. That is a violation of my rights ... ... this company has violated my rights ... .. I demand this false/erroneous information be removed from my consumer report immediately, it has harmed me
Consumer complaint received 2020-04-07
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc. (KS)

I have several collection company 's on my credit report and some of the debts are repeated depths but they have constantly called me and have threatened my credit record which has now taken affect, I have explained to these company 's that I don't have income to pay these medical bills and at the time I had these medical services I was married to a man whom did not carry or file with his insurance company. I feel its only fair that these company 's take action towards the person I was married to and living with at the time these services took place. I am also asking that they remove themselves from my credit report for that is making it where I am not able to fix my credit score. One last thing is I ask that the collection companies do not contact me regarding these matters for I have given more information to whom they can go after for that I feel is or should be help responsible
Consumer complaint received 2024-03-19
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. (IN)

I have disputed this case over and over. The fraudulent check was an IRS tax refund check. I told XXXX that I do not feel that this is my issue to repay. I didn't do it or even knew about the deposit until my account show {$990.00} in the negative.
Consumer complaint received 2021-06-19
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. (DE)

This account information do not belong to me. 

XXXX  account # XXXX Balance- {$660.00} opened- XX/XX/XXXX XXXX XXXX account # XXXX Balance- {$1400.00} opened- XX/XX/XXXX XXXX account # XXXX Balance- {$1100.00} opened- XX/XX/XXXX
Consumer complaint received 2023-02-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC (FL)

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Florida XXXX Asset Care LLC original creditor XXXX XXXX  Account number XXXX amount {$120.00}. 
This was taken off my account over a year ago now it is back on my account this should have been taken care of by Medicare with my insurance it was a XXXX XXXX in XXXX which was free
Consumer complaint received 2020-04-07
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

In XX/XX/2017 I was approved by my college officials to travel to Puerto Rico to help the people during Hurricane Maria restoring power and water while continuing education. I traveled to the XXXX XXXX to assist the people as well there. However my bag was stolen from my rental car that contain my identification and other pertenant information. I made a police report about the incident while out of the country to possibly retrieve my missing belongings and never did. I became a victim of credit card fraud and identify theft reporting to all three credit bureaus to possibly help fix the problem. As of today nothing has been done that has a direct negative effect on my personal and business credit. Experian sent my complaint and information back return to sender address unknown. It has become impossible to reach Experian to help fix this issue as well as receiving there credit boost for paid utilities. I did send all information to XXXX  with a official police report and yet to receive information considering a investigation., It has been two years struggling to bring a resolution to this credit issue. Now with the COVID -19 destroying the economy it has become extremely important to fix my credit to empower others