davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have disputed a XXXX account ending in XXXX on several occasions with XXXX, TransUnion, and XXXX. Ranging from 2017 up until recently. The account is charged off and the creditor is no longer actively attempting to collect the debt. I recently emailed the Ceo of  XXXX to receive confirmation that they are indeed no longer attempting to collect the debt due to the fact that the statute of limitations has expired. Also the company stated that it is the credit bureaus responsibility to remove the delinquent account. XXXX, TransUnion, and XXXX are not in compliance with the FCRA and are still reporting Bloomingdales on my credit report
Consumer complaint received 2019-07-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NV)

I submitted 2 disputes with XXXX  Credit regarding a derogatory collection that was added to my report. They could not resolve my issue. The debt theyve placed on my report belongs to a family member. This not the first time XXXX has allowed this to affect my credit. In 2018 I spent nearly 6 months disputing derogatory reports and finally got it resolved, now it seems to be starting all over again.
Consumer complaint received 2019-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: ID Analytics, Inc. (IL)

On XX/XX/2019, I called, left a voicemail, and faxed a letter to the consumer reporting agency, SageStream , LLC. My goal was put a security freeze my SageStream consumer report. Per, their website, you can initiate this request via Fax. I followed the directions listed on the website regarding how to initiate a security freeze request via Fax. After sending the fax, 1 or 2 business days later, I called again to see if they received the fax. No answer. Left voicemail ; no returned call. 

I'm uncertain if they received my fax or not. 

No one is answering the phone. They have an option to leave and voicemail. It's been almost a month, and I've received no return phone call. 

I contacted them again, XX/XX/2019, using the same method. Again no answer when calling and no returned phone call. 

I called 3 times again today, XX/XX/2019, still no answer. 

I've initiated this same process with XXXX XXXX XXXX ( XXXX ), XXXX XXXX, and XXXX. All have sent me mail confirming initiation or completion of the security freeze. 

No contact or mail has been received from SageStream.
Consumer complaint received 2019-07-05
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: JPMORGAN CHASE & CO. (OH)

I started an auto loan with XXXX XXXX XXXX XXXX in XXXX, but because I was getting married and wanted to have the same bank account as my husband I decided to transfer the car loan to Chase in XXXX. 

The process to transfer the loan went smoothly at first, while I was working with my local branch. However between me transferring the loan and XX/XX/XXXX I received documents in the mail six times from Chase saying they were unable to access the lien to my car and that they needed me to re-sign ( and get notarized ) a document and send it back into them. I preformed this task six times. Each time taking the form to my local Chase branch and having a banker notarize the form for me. 

On XX/XX/XXXX my husband and I were XXXX  by a XXXX   XXXX who also happened to be uninsured. My car was completely totaled and I have been working with my insurance agency to receive payment for the loan. I currently owe {$2100.00} on my loan at Chase, which I informed XXXX who has attempted to work with Chase to pay off the loan. 

I have since figured out that Chase still hasn't acquired the lien on the car. I have called their customer service line multiple times trying to come up with a solution. XXXX can not pay me the remaining {$6000.00} some I'm owed on the car until they receive a clean title from Chase. At this point I have been lied to multiple times as to when I they would provide XXXX the title. The latest lie I was told was that they would have everything sorted by XX/XX/XXXX. I logged onto my portal on XX/XX/XXXX, saw the car had been paid off and thought maybe they finally got things figured out. I also noticed that they also took my XXXX car payment while also taking the full amount from XXXX. Meaning Chase has now charged two people for my XXXX auto payment. 

I called XXXX on XX/XX/XXXX to make sure they were given a clean title from Chase. I was informed by XXXX that Chase had been told by them that they were cancelling the car check ( since they were unsure of what was going on ), but Chase had went ahead and cashed the check anyway. So Chase cashed the check without providing any sort of title to XXXX. 

I am still unable to get paid from XXXX the {$6000.00} some I am owed until Chase provides them with payment. Meaning that I have been out of a car since XX/XX/XXXX, and can not afford to go get another one until I receive what I'm rightfully owed. 

I will add that I am on the verge of buying a house and was just about to start shopping for house loans and Chase is no longer in the running. I have mentioned this fact to multiple costumer service agents who have not cared in the slightest. So as soon as I get my money I will be closing all accounts with Chase and doing business elsewhere. It should not be that hard to treat your customers with dignity and respect, and I have received none of that during this very difficult time. This process has deeply effected the well being of my person life.
Consumer complaint received 2022-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

In accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX XXXX. Account # XXXX, has violated my rights. 
15 U.S.C.1681 Section 602 A, States I have the right to privacy, 15 U.S.C.1681 Section 604 A Section 2, it also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2019-07-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I paid off my card balance in full almost {$7400.00} as of XX/XX/2019. XX/XX/2019 8 owe a balance of {$77.00} saying I owed interest. They refused to remove the fee. I should not owe them anymore money, the balance was paid in full prior to the bill date so I should not have been charged interest for a balance I paid in full I already paid interest on the month prior.
Consumer complaint received 2019-07-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL (DE)

The TJX Rewards Mastercard credit card offered through Synchrony Bank features the opportunity to earn {$10.00} and {$20.00} paper or electronic reward certificates when making purchases anywhere with the card and the opportunity to redeem the certificates when making in-store or online purchases at TJX companies. I have all paper certificates and I retained them so as to maximize their value when making large dollar purchases. Nowhere on the certificates does it say there is a limit on the number of certificates that can be used when making a purchase. The only limitations which are material to this complaint are the 2-year expiration date and the forfeiture of the balance of a certificate 's balance if the purchase price is less than the face value of the certificate. 
This complaint concerns the apparent inability to redeem more than one certificate when making an online purchase. I would like this complaint to be brought to the attention of the CEO of TJX Companies. Last night ( XX/XX/2019 ) for the second time I tried to use multiple certificates but could not. Due to the nature of the site, i.e., it attracts bargain hunters, and the lack of evening and weekend ( or holiday ) customer service, I wanted to be sure I could receive the merchandise, so I completed the purchase without using all my available certificates. I would like to be able to redeem the certificates after consummating the transaction. The value of the transaction after the deduction of one {$20.00} certificate is {$150.00} and the order number is XXXX. As I alluded to above, this is not the first time this inability to maximize the number of redeemable certificates has occurred. The same thing plagued prior orders. In addition, order number XXXX had another issue which is still not resolved, let alone addressed by TJX Companies. That issue concerns the sale of a facial device for which its reconditioned status was not disclosed in the marketing materials or at the time of sale. Correspondence was sent to the company in XX/XX/2019, but no response or even acknowledgement has been received.
Consumer complaint received 2019-07-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NY)

cc # ending in XXXX spoke with XXXX id # XXXX, XXXX  id # XXXX, XXXX id XXXX. said I have to make a payment on a disputed charge. contrary to what is written on the back of the statement
Consumer complaint received 2019-09-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (FL)

My mortgage was sold to another company ( XXXX XXXX ) for XXXX dollars. I have made over 12K in principal payments which Freedom Mortgage shows on my statements but kept the money instead of transferring it over to my new mortgage company. Per my freedom mortgage statement, my remaining principal should be {$340000.00}. My wife and I have contacted freedom mortgage and the new loan company several times and the new company says the fault is with Freedom. Freedom has been very unhelpful and has shown no interest in resolving this matter. I did get a response from Freedom Mortgage which I have attached in which the representative reviewed the issue and calls and says it will be corrected and also apologies for the behavior of some of the companies representatives with how they handled the issue but that was a while ago and still the issue persists. I have spoken to well over a dozen Freedom Mortgage representatives and supervisors who have not assisted at all and Freedom seems content on selling my mortgage and keeping the extra principal payments.
Consumer complaint received 2019-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AZ)

On XX/XX/19 a company named XXXX, address XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, SC XXXX XXXX, filed a foreclosure against me on property in Florida that I do not have any ownership in. They also reported the foreclosure to the credit reporting agencies and at least 2 show the foreclosure on their reports, they are XXXX and Experian. Although I am still showing a very good FICO score, approximately 800, the reporting of the foreclosure is causing harm to my ability to access credit markets. Even though the foreclosure documents that I am going to upload at the end of this report reference an overdue loan the filing is only a foreclosure. I suspect this is because the note they reference is 8-10 years old and well past the statute of limitations. XXXX has be made aware of all of this by my attorneys and have not removed the reporting. In addition I have filed disputes with XXXX ( confirmation # XXXX ) and Experian ( report # XXXX ) and they have not removed the reporting either. 
XXXX 's dispute is with the current owners of the property and not me. Additionally if they can not show documentation that I own the property ( which I don't ) they should immediately drop the XXXXeclosure proceedings and amend their reporting to the credit agencies. Absent that, the credit reporting agencies should demand that XXXX produce documents showing that I own the property and if they can't the agencies should remove the adverse reporting themselves.
Consumer complaint received 2019-07-05
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: General Motors Financial Company, Inc. (FL)

This is in reference to the account XXXX ( XXXX XXXX 2012 ) which was under both party names XXXX XXXX and XXXX XXXX. On XX/XX/XXXX, a court order and judgement was signed and indicated that the vehicle was transferred solely to XXXX XXXX. Therefore, making this debt XXXX XXXX 's responsibility. The court order was signed by a Judge of the state of Florida. 

On XX/XX/XXXX, I sent a certified mail document along with the original petition where you will find on page 12 of the document under XX MARITAL ASSETS : The parties own to vehicles jointly. Husband shall keep the XXXX and be 100 % responsible for all payments. Wife shall keep the XXXX and be 100 % for all payments. Each party shall keep their vehicle insured as required by law. 

This negative remark on my credit report in which you are reporting is hurting my credit score and hurting me from obtaining credit. 

I spoke to a few representatives and I provided some the attorney 's information as requested, and no one has made any attempt to contact his law firm. I am considering this vehicle no longer involved in a litigation as I am going to take measure of my own to resolve this. 

Since you are stating that your contract supersedes a Judge 's order/court order, I am requesting documentation of contract where it states this. 

I am asking that you relinquish my name from this contract. I already fulfilled my account ( XXXX XXXX '13 ) which has been paid in full.
Consumer complaint received 2024-02-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Early Warning Services, LLC (GA)

I hardly file disputes. Ive been with my bank for 10+years and only had about maybe 2 disputes. 

I got my hair done on XX/XX/XXXX. I was not satisfied with the style as the lace started to come apart and lift up on the same day of getting my hair done. I contacted the stylist the same say as getting my hair done. The hair stylist responded and stated she could fix my hair the next day at XXXX. I informed the stylist that was too late but the stylist insisted that was the only openings she had to fix my hair. I went the next day at XXXX attempt to get the style fixed. Once again, once home the lace came up and lifted. I contacted the stylist again this time asking for compensation. The stylist stated she will not provide any compensation. I filed an dispute with my bank and was told it would take 60 days for a resolution. I call my bank on XX/XX/XXXX to get the status of my dispute. I was told my dispute was denied. I am not understanding this as like I stated I'm not a person that continuously files disputes. I was told by the hairstylist this hair style was supposed to last at least 2 weeks. The style did not last three days. I sent pictures to the bank of the style and it was clear the style was not sufficient for the amount I paid. I was unable to even wear the style. I would compensation and not have file a lawsuit.
Consumer complaint received 2019-07-05
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. (GA)

I have disputed a XXXX account ending in XXXX on several occasions with Equifax, XXXX, and XXXX. Ranging from 2017 up until recently. The account is charged off and the creditor is no longer actively attempting to collect the debt. I recently emailed the Ceo of XXXX to receive confirmation that they are indeed no longer attempting to collect the debt due to the fact that the statute of limitations has expired. Also the company stated that it is the credit bureaus responsibility to remove the delinquent account. Equifax, XXXX, and XXXX are not in compliance with the FCRA and are still reporting XXXX on my credit report
Consumer complaint received 2019-04-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (TN)

Select Port Folio is my mortgage servicer, Submitted financials request for mortgage modification to them several times. Select Port Folio and the investor for my mortgage has been very difficult to work with the mortgage is adjustable rate mortgage and the payment continues to adjust out increasing the mortgage payment. On XX/XX/2019 I resubmitted my request for mortgage modification My request for mortgage modification has been denied several times. I have been forced to file bankruptcy to maintain ownership of my home, my bankruptcy has been dismissed and I want to modify my mortgage fix the interest rate to get my mortgage back on tracks. 
Please, Please Help
Consumer complaint received 2016-03-24
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (PA)

I acquired {$4300.00} worth of furniture from Value City back on XXXX XXXX. I did not pay cash because I was offered a no interest promotion for the next 24 months until I pay all the balance off. Contrary to my understanding the promotion was with a third party and with a credit card with a 29 % interest from Synchrony Bank, which I got to know just when I received my first bill on XXXX XXXX. 

Anticipating all the hassle that a furniture return was going to cause, and because I liked what I got, I kept it, and started making my payments with the intention of paying the balance off during the next 24 months. 
Not too long after that, I agreed to set an automatic monthly payment from my bank to Synchrony bank and to receive paperless bills, so the payments were taken from my bank account every month. Everything seem to work well until a week ago, on XXXX when I noticed that my debt was still close to the amount where I started a year before. I called the bank and a representative informed me that I was supposed to pay the balance off on XXXX/XXXX/XXXX and because I did not, the interest was calculated since XXXX at 29 % and it is now : {$4100.00} I was surprised and I explained what the agreement was for 24 months but she denied it. I asked to be transferred with her supervisor and she transferred me with XXXX with ID. XXXX who told me that " she gets multiple calls like mine and she can not change anything '' she added " I can not help if you were not proactive with your account '' As my last resource I offered to pay, at that moment, all the remaining balance until XXXX/XXXX/XXXX, which based in my calculations was : {$2400.00} but she did not want to accept it. I asked her what else I could do to avoid paying almost {$2000.00} in interest, which I consider is not an honest transaction, and she did not offer any other option but to pay all what they are pretending. 
I was left hopeless and afraid of the consequences, since I have an excellent credit and I do not want to put my finances in jeopardy for something I consider a dishonest practice. I could even have agreed to pay the interest that had been charge for XXXX, XXXX and XXXX XXXXplus my balance until XXXX/XXXX/XXXX but no more than that. 
I found your web page and what you do, over the internet, and I regained some confidence. I hope you can help me to arrive to an honest agreement with Synchrony Bank. 
Sincerely ; XXXX XXXX.
Consumer complaint received 2019-07-05
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Navient Solutions, LLC. (TX)

Navient was advised not to call me at work because I was not allowed to receive calls. They were told this last year and it was recorded. On XX/XX/XXXX, they called me at work again and left a message.
Consumer complaint received 2018-05-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (OH)

I am writing to ask the CFPB to intervene in Citi Bank 's political position in no longer lending money to companies that make firearms. They were bailed out by we taxpayers, and they have no right to cut off funding and kill jobs to make political statements.
Consumer complaint received 2019-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OK)

on XX/XX/2019 I sent out notarized dispute letters via certified mail to XXXX, Equifax and XXXX credit bureaus disputing the information with several creditors on my reports. I also sent out letters to the actual creditors, asking both the credit bureaus as well as the creditors for original signed consumer contract as stated in Section 609 ( a ) ( 1 ) ( A ) of the Fair Credit Report Act.

After no response or verification from either the creditors nor the bureaus, I sent more notarized certified letters out dated XX/XX/2019. Again, I did not get any verification of ANY signed consumer contract as stated in Section 609 ( a ) ( 1 ) ( A ) of the Fair Credit Report Act. 

On XX/XX/2019, after still NO VERIFICATION and NO RESPONSE from either creditor or the Bureaus, I sent another round of letters asking for verification as stated in Section 609 ( a ) ( 1 ) ( A ) of the Fair Credit Report Act. AGAIN  FRUSTRATINGLY WITH NO RESPONSE!!! 

On XX/XX/2019, AGAIN,, I sent a final round of letters as a final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve continued violation of the Fair Credit Reporting Act regarding refusal to delete UNVERIFIED information from my consumer file. AGAIN NO RESPONSE!!! 

The unverified accounts on my record have damaged my good name by not allowing me to obtain credit. I know for a fact that all of these letters were delivered and read by all parties they were sent to, and still i had not received any consumer signed contract as verification as stated BY LAW these entities MUST PROVIDE ME. 

I'm past any resolution on this matter and demand that ALL INFORMATION be deleted that was not verified, including all hard inquiries. These supposed creditors and the XXXX main credit bureaus have had 81 days to respond to my legal demands and have failed to do so. I'm writing this complaint as an initial request to make this right before I pursue legal action. 

Sincerely, XXXX XXXX XXXX