davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-11
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, LLC (LA)

On XX/XX/XXXX, I received a notice from XXXX XXXX that " Capio Partners '' had disclosed an account from XXXX University XXXX XXXX for {$420.00} up for collection, opened onXX/XX/XXXX. I have never received a call or a letter from them saying that I owe this amount at any point in time, and disputed the error several times via XXXX  using XXXX XXXX. I still have not received any mail or calls referring to this matter from them, and therefore can not be sure of its validity or that it is even my debt in the first place.
Consumer complaint received 2018-05-11
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: DISCOVER BANK (MO)

Discover bank charged me {$180.00} fees in XX/XX/XXXX and {$60.00} in XX/XX/XXXX. And they closed my account in XX/XX/XXXX. I didn't receive any notification about this until they closed my account.
Consumer complaint received 2016-05-13
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: KEYCORP (OH)

My bank asked me to apply for a bank credit card, I was turned down, they showed me a screen shot that had accounts in good standing reported as derogatory that have never been late and in good standing. They told me if I could get a copy of my credit report to show that these accounts were in fact in good standing they would reverse their decision. I got a new credit report for myself and one sent to the bank and showed them in plain english and directly on the credit report that these accounts were in fact in good standing and not derogatory. They then told me that does n't matter they have to go by the original decision even though there information was inaccurate and did n't reflect what the actual credit report read.
Consumer complaint received 2016-06-09
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: General Motors Financial Company, Inc. (MD)

Per my credit report, it has been report my GM Financial auto loan # XXXX was charged off for bankruptcy. However, I never filed bankruptcy and have continued to make regular payments. My loan is not scheduled to mature in 2018. In reality, I have been paying more than my scheduled payments and have a balance of {$1700.00}.
Consumer complaint received 2016-06-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC (SC)

RoundPoint Mortgage has lost money I have sent to them, miss applied monthly payments and have almost doubled my monthly mortgage payments. Missed paying my homeowners ins. twice causing cancellations of the policies. Refusing to investigate the certified complaint I sent them and now are charging me with late charges when I am current with my mortgage payments which are being mis-applied. I believe if they continue this inept and flagrant behavior in direct violation of the fiduciary laws will lead to unlawful foreclosure of my home.
Consumer complaint received 2017-03-03
Product: Mortgage — Reverse mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Reverse Mortgage Solutions, Inc. (CT)

Mortgage servicer does not correctly advise POA actions. Forms are not properly prepared to include POA instructions as a result forms can be sent in XXXX to 4 times before it is in the correct format they need. XXXX is a very common status with this mortgage servicer. As a mortgage servicer they need to get their at together. They are number at inconveniencing their customers.
Consumer complaint received 2018-12-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Paypal Holdings, Inc (VA)

I operate a small business and used PayPal for invoicing and payment collection from my customers. About six months after I provided a service to one of my known customers, she was reviewing her credit card statement and did not immediately recognize the name of my company as it appears on a credit card charge. She contacted her credit card and reported an unauthorized transaction. Paypal notified me about the challenge. I answered the query that I did provide the service. I then contacted my client and she was aghast and called her credit card company, XXXX, and withdrew her complaint. About six weeks later, PayPal sent me an email from XXXX and told me that I had to transfer the amount, {$650.00}, into my account to cover this charge back. 
I recontacted my customer and she provided to me her XXXX XXXX statements that show that she has paid the {$650.00} to PayPal. There was a charge, followed by a credit, followed by a subsequent charge. PayPal has been paid, yet they are making an official effort to collect a debt.
Consumer complaint received 2018-05-11
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Delay in processing application
Company: SYNCHRONY FINANCIAL (PA)

On XX/XX/2018, I applied for a Lowe 's credit card in order to take advantage of the finance option the store offered so that I may remodel my home bathrooms. However, during the application process for XXXX XXXX, a key code was provided. The store associate contacted XXXX XXXX and the associate whom we interacted with advised my application had timed out on their end and that I should reapply and the application would be overridden. The application was processed literally a minute or two before the call. Again, I reapplied as instructed, but the application declined. We proceeded to contact XXXX XXXX to inquire and were told the application was declined. I personally contacted XXXX XXXX as the receipt from Lowe 's stated my application was submitted for further review. After nearly over an hour on the phone, I was told my various associates and Contact Center supervisors that my application is at the " main office '' pending further review and that I would hear back from them in 10 to 30 days. I am unable to initiate my project because I don't have a decision from XXXX XXXX and fearing having to use an alternate payment method after being approved.
Consumer complaint received 2016-12-21
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: SCA Collections, Inc. (ND)

This creditor has been notified of me being the Victim of Identity theft. This creditor has also been made aware of the police report that was filed and the result of someone being incarcerated for a Drivers License with my name. This Company is also aware that I have XXXX. I 've always had XXXX as an Insurance provider. This company is also aware that any bills I accumulate while I 'm insured by XXXX would 've been paid by XXXX. Additionally it is AGAINST THE LAW TO BILL SOMEONE WHO 'S INSURED BY XXXX FOR OUT OF POCKET MEDICAL EXPENSES.
Consumer complaint received 2021-11-01
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: BARCLAYS BANK DELAWARE (FL)

I redeemed points on XX/XX/XXXX and XX/XX/XXXX for {$100.00} gift cards ( XXXX ). These cards never arrived. I contacted XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX via message on their online account portel to inquire about these transactions. It is now XX/XX/XXXX and I still have not received these cards or given a sufficient reason why. In my view, they have stolen {$200.00} from me. 

Their reference number for this is XXXX
Consumer complaint received 2016-06-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC (VA)

During the transition of my mortgage service being sold from XXXX to Roundpoint final and first payments between the companies where not reconciled properly. My new mortgage servicer Roundpoint is stating that I am one month behind. After numerous calls they consistently fail to get this resolved. Now I am pass the grace period and am incurring late fees when I have never missed a payment since I bought the house in XX/XX/XXXX. My new servicing date for Roundpoint was effective XXXX XXXX, XXXX. I had already sent my mortgage payment to XXXX for XX/XX/XXXX. I made my first payment to Roundpoint on XXXX XXXX, XXXX and have n't missed a payment since. I have called numerous times to get it straight and they have told me its under investigation. Not XXXX person in their customer service department has helped me. This is very frustrating.
Consumer complaint received 2022-01-13
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. (PA)

I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX Date of inquiry XX/XX/2020 XXXX XXXX XXXX Date of inquiry XX/XX/202XXXX XXXX XXXX Date of inquiry XX/XX/2020 XXXX Date of inquiry XX/XX/2020
Consumer complaint received 2015-04-18
Product: Debt collection — Auto
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: TCF NATIONAL BANK (CA)

On XXXX XXXX, 2015, I received a call from an XXXX number on my cell phone and since I was at work, the call went to my voice mail. My announcement on my voice mail, starts by identifying myself by first and last name. This call came in XXXX XXXX. At XXXX, I received a call from my father, saying XXXX had contacted him stating they have been trying to contact me and they think I must of changed my phone number and address, then asked how to contact my daughter-in-law, who I had given them permission to call and discuss any payment problems with ( the loan is in my name and my son and daughter in law make the payment since they drive the auto ). My dad, being XXXX years old, panicked and called me thinking something was wrong. XXXX minutes later at XXXX XXXX, I received a call from the son on my deceased girlfriend, saying he had received a similar phone call, but they only stated they have lost contact with me and wanted to know how to reach me. I have had the same phone number for about 17 years, and the same address since I purchased the auto where I receive my monthly statements and all other correspondence from them at.
Consumer complaint received 2016-11-08
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: GLA Collection Company, Inc. (KY)

I received a notice that my credit score went down from a debt in XX/XX/2011 and have never received anything with regards to this debt. The debt was turned over to a collection agency and it is hurting my credit score I have worked so hard to build.
Consumer complaint received 2018-05-11
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: Windham Professionals, Inc. (MI)

I have refinanced all my student loans, on all three credit report there is a number of duplicate accounts for the same student loans that are not being recognized as the same or updated as the same, they are more then 7 years old and only one of each shows paid
Consumer complaint received 2016-09-20
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIZENS FINANCIAL GROUP, INC. (CT)

I closed my bank account in late 2012. I found out yesterday ( I got a car loan with the same institution ) that my account was never properly closed out and was allowed to receive a deposit XXXX7 months after I thought I had closed it. I was unaware of this deposit because I was under the assumption the account was closed and deactivated. The bank then proceeded to take {$90.00} in fees from the account because it went dormant. When I requested a refund of the fees, I was told that since they sent me electronic statements, I would only get {$10.00} back. This is exactly why I left them in the first place.
Consumer complaint received 2017-01-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: ProCollect, Inc. (LA)

Got a call, was very unaware of unpaid debt I used fincial aid to pay for the apartment. Never received any mail or email about paying the debt our phone calls and voicemails. When explaining my situation and saying I was willing to pay the amount was doubled what is shown. I tried to ask for lower payments because I was in school the representaitive I had would not work with me asked to speak with her supervisor she said she was and I asked to speak with the supervisor above her she refused. Asked for account number to pay debt online she refused made me very nervous that she was n't who she said she was and somehad stolen my information.
Consumer complaint received 2015-09-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (MS)

I recently discovered a collection from Enhanced Recovery Company on my credit report from XXXX. I have no Idea where this came from, as I have never had XXXX services. I have been unsuccessful in receiving verification for the debt, as well. I have been told to contact the original company, XXXX, and when I do, they send me to contact the collection agency. It is going in circles.
Consumer complaint received 2015-09-22
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: CITIZENS FINANCIAL GROUP, INC. (IL)

Our company sought to obtain a loan in the amount of {$250000.00} from XXXX XXXX, XXXX XXXX. We were required to submit a 1 % retainer for the loan, which would then finalize the requirements. Unfortunately, the firm located in XXXX, was conducting fraudulence and walked away with our money. XXXX XXXX evaded all contact with our company and never fulfilled the contract we had. 

*Enclosed you will find all supporting correspondence and receipts*
Consumer complaint received 2018-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have sent several requests to TransUnion disputing the personal information and they refuse to delete inaccurate information. The addresses they are reporting are not mine. Some of the addresses listed ARE NOT EVEN VALID ADDRESSES, which is proof that they are not investigating this information. A quick USPS search will show that some of the addresses do not even exist! The only valid address on my credit report is XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, FL XXXX. Delete the incorrect AND invalid addresses and provide me with a copy of my updated credit report reflecting the CORRECT information.
Consumer complaint received 2016-11-02
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: CITIZENS FINANCIAL GROUP, INC. (CA)

Applied for an installment loan to purchase a new XXXX and was denied because I 've filed for bankruptcy 3-1/2 years ago. 
I 'm NOT able to file for another bankruptcy until 2020, so where is the risk on a 2 year loan..? 
I 'm sick and tired of being treated like a criminal or delinquent. 
The bankruptcy law is there for those like myself that due to an economic downturn ( for which we were NOT responsible ) did fall behind on our dues. 
There are individuals, using corporations, that make a living ( and fortunes ) using the same law. 
My credit score is now up to almost XXXX points. 
Is this a case of blatant discrimination..?? 
Financial institutions like Citizens One do not deserve to be part of our community.
Consumer complaint received 2021-10-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Robinson & Hoover (IN)

On XX/XX/2021 I checked my check stub to verify my pay for the pay period. I noticed a wage garnishment in the amount of {$320.00} from my pay. I have no idea where this is coming from. I contacted my HR department because I was told that both the creditor and my company was supposed to inform me of the garnishment. I never received a letter from either my employer or the creditor. Upon further review the outsourcing company that handles my employer 's pay attached information of the creditor. I have no knowledge of this creditor. The original creditor is not on my credit report and I have no idea what this debt is for. I believe the attorneys office of XXXX XXXX XXXX XXXX XXXX falsified documentation in order to get a judgement from the court. I have personally never lived in XXXX  XXXX, Ok and I haven't lived in the state of Oklahoma in over 4 years. Legally the law firm of XXXX XXXX XXXX XXXX had the responsibility to contact me about the attempt to collect the supposed debt. This garnishment is not legal as I was not notified of the judgment and have no knowledge of the debt.
Consumer complaint received 2022-07-23
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. (GA)

I have sent in my police report for this XXXX account on my file. This XXXX Acct # XXXX is not my account. I have never had a XXXXXXXX XXXX account. In Accordance with the Fair Credit Reporting Act .... XXXX Acct # XXXX has violated my rights. 15 U.S.C. 1681 Section 602A States : I have the right to Privacy. 15 U.S.C. 1681 Section 604A Section 2 : It also states a consumer reporting agency can not Furnish a account without my written instructions.
Consumer complaint received 2022-03-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (KY)

On XX/XX/XXXX I opened the Verizon Credit Card through Synchrony bank. The reason I opened this account was because I was promised I would receive {$200.00} dollars if I spent {$500.00} dollars using this card within one month which I did. I have been waiting to receive the credit and I have not received anything. Today, XX/XX/XXXX I called Synchrony bank twice and the first time the representative transferred my phone call to XXXX saying that they would be able to help me, but she also gave me a phone number that I tried calling and who know what that place is. The phone number she gave me was XXXX I called again after realizing that that was not a working phone number for Verizon credit card and the next agent told me that Synchrony bank does not deal with promotions like that and that I had to call Verizon phone directly. So, I called Verizon and the representative told me that the ones who deal with promotions are Synchrony bank. 
So, I just decided to contact you to receive help because now nobody is willing to help me when its time to pay. 
They record all the phone calls. Pull up the recorded calls.
Consumer complaint received 2022-03-03
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A. (TX)

I was shocked when reviewing my credit report and found late payments on the dates below : 30 days late as of XXXX XXXX 60 days late as of XXXX XXXX 90 days late as of XXXX XXXX 120 days late as of XXXX & XX/XX/2018 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me. This is only on XXXX, other bureaus dont report this.
Consumer complaint received 2015-11-27
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (AZ)

Ally Financial is reporting our car loan as 30 days delinquent for XXXX 2015 ; this is an error as we bought a new vehicle during this period of time and refinanced this loan as part of the new vehicle loan ; the approval for the new loan extended beyond the due date for the old loan, but, of course we did not pay because the new financing was still in the approval process ; we were informed by an agent at Ally Financial that this would NOT affect our credit ; however, we now find that Ally Financial is reporting to both my husband and my credit report that we were 30 days late on the old loan for XXXX 2015, in spite of what they previously told us! 
We have disputed this erroneous reporting both with the credit reporting agencies and directly with Ally Financial and Ally Financial arrogantly refuses to change it ; this erroneous reporting is hurting our credit but Ally Financial obviously does not care! We have been approved for the new car loan and have faithfully made our payments ; further, we have been faithful customers of Ally Financial for some time and have consistently made our payments on time.
Consumer complaint received 2021-11-30
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 — Investigation took more than 30 days
Company: PRESTIGE FINANCIAL SERVICES INC (GA)

I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable and needs to be resolved.