davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-26
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CURO Intermediate Holdings (LA)

Today, XX/XX/XXXX, while going thru my emails, I came across another email from a different loan company threatening to sue me. I never got a loan from this company either : CREDITOR : XXXX XXXX XXXX CASE NO : XXXX OUTSTANDING AMOUNT : {$840.00} Subject : Unpaid loan Invoice CONTACT AT : mailto : XXXX This Proceeding issued on you Docket No : - XXXX with one of XXXX XXXX XXXX XXXX in order to notify you that after making calls to you on your phone number we were not able to get hold of you so the accounts department of THE XXXX LAW FIRM has decided to mark this case as a flat refusal and press legal charges against you. 
We have sent you this warning notification about legal proceedings on XX/XX/XXXX but you failed to respond on time now its high time if you failed to respond, we will register this case in court. Consider this as a final warning and we will be Emailing/Fax this issue to your current employer to make sure they take strict actions against you. Your salary and all your wages confiscated. 
We will be forced to proceed legally against you and once it is processed the creditor has entire rights to inform your employer and your references regarding this issue and the law suit will be the next step which will be amounting to {$2600.00} and will be totally levied upon you and that would be excluding your attorney charges. 
Please let us know what your intention is by today itself so we can hold the case or else we will submit the paper work to your local county sheriff department and you will be served by court summons at your door step. 
This is your last and final chance to settle this case if you don't take it seriously, we will surely take hard steps against your name and social and you will be the only person responsible for the legal consequences. By electronically signing this Loan Agreement by clicking the " I AGREE '' button below, you are confirming that you have agreed to the terms and conditions of the Consent and that you have downloaded or printed a copy of this Consent for your records. 

IF YOU WANT TO RESOLVE THIS CASE OUTSIDE OF THE COURTHOUSE CONTACT TO RESTITUTION DEPARTMENT AT : mailto : XXXX Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX At Speedy Cash, the privacy and security of your personal and financial information is our top priority. Since our doors first opened in XXXX, we have been continually innovating and implementing advanced technologies and techniques to ensure the safety and privacy of your information. We deeply value the trust you place in us and we are committed to providing you a safe and secure loan experience regardless of the method you decide to use to apply for credit with us.
Consumer complaint received 2023-04-04
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 (AZ)

In XXXX of last year I attempted to buy auto and home insurance with XXXX XXXX. company and was denied due to 2 accidents  on XX/XX/2022. I only had one accident on that day but Lexis Nexis reports 2. I attempted multiple times to rectify this situation, but they refuse to even consider fixing this issue. The last communication that I had with Lexis Nexis was by letter from XX/XX/XXXX and they state that their information was collected from the XXXX XXXX XXXX and will remain in my file as accurate. 
Upon contacting the XXXX XXXX this morning I have procured a letter from their agent stating that Lexis Nexis is incorrect and have the proof.
Consumer complaint received 2019-07-26
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Bridgecrest Acceptance Corporation (GA)

On numerous of different occasions, I've contacted Bridgecrest formally known as XXXX XXXX about my XXXX XXXX XXXX. Between XXXX- current, I've spoken to several different representatives about how we could get the loan paid off. After speaking with several representatives there they informed me that our maturity date was XX/XX/2019 and we have 90 days after that to get the final payment made to gain ownership of the vehicle. My husband and I worked out a payment plan that fit our budget to get this vehicle paid off. Our final payment date should be no later than XX/XX/2019 from what the last rep provided us with. Not until I received an XXXX alert stating that my credit had been updated with a new alert around mid XXXX is when I begin to worry again. Once I got the alert I contacted the company again asking why was it a mark on our credit? The rep then stated well yes we give you 90 days after the maturity date but every month after XXXX you will have a derogatory mark on your credit and when the final payment is posted it will show paid off in a delinquent status due to not paying it off on the XXXX maturity date. After expressing how frustrated I was with the company and the lack of information being given all they could say is they understand and apologize for no one telling us if the car wasn't paid off by the maturity date it will show late every month for the following 90 days. These lines are supposed to be recorded so us a customers have to suffer with the negative impacts on our credit due to the company employees not telling us what to expect for us not paying it off by the maturity date and using their next option of paying it off within 90 days afterwards. This doesn't impact anyone credit other than my husband and I, this was a very bad business practice and I will never want to do business with them ever again. I'm glad I know this now because I have another veh due to mature early next year and I now know to work to get it paid off before the maturity date and not use the 90 days after that they advertise so they can collect more money and ruin our credit more. We are working to purchase a home and I've told the company this is on several occasions, it's sad how they can treat people and not be held responsible for their actions but they want us to pay on time and penalize us for taking advantage of their 90 day after maturity date pay off option not knowing that this would be reflected on our credit negatively. We've dealt with them over 5 years and this isn't the first time that we have received incorrect or inaccurate information. If something like this is offered the company and its employees should have to tell you that it will show negative on the credit for you needed the additional time that they allow to pay on the loan.
Consumer complaint received 2021-07-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (KS)

Synchrony Bank Care Credit Card showed {$13000.00} on my available credit to use at the emergency veterinarian. I had a balance of around {$7000.00} and made a payment online through my online account with them of {$2500.00} taking the balance down to around {$5000.00} knowing we would have an upcoming charge for XXXX at the vet. During a chat session shortly before I made the online payment they told me payments are credited to my account within 48 hours. I saw that payment on my online account. So I thought things were fine. Then when the vet tried to charge the final XXXX bill for {$6300.00} the charge was denied by Synchrony Bank on my Care Credit Card. In checking with the company they told me it was denied because they put a 9-day hold on the {$2500.00} online payment I made even though this payment clearly showed up on my online account. This is a very deceptive trade practice to fail to disclose in a customers online account that a 9 day hold is being placed on a payment when the online shows the credit is available to use.
Consumer complaint received 2023-04-04
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: AMERICAN EXPRESS COMPANY (NC)

I have an open complaint about American Express, XXXX I called XX/XX/XXXX XXXX ET asking to speak to the supervisor who left me a voicemail 2 weeks ago. I called last week and still have not received a call back. 
They once again told me someone would call me within 3 days. I asked for the department and contact for service of process as requested by my lawyer. Amex refused to give me this information. This is highly inappropriate to withhold this information and likely illegal
Consumer complaint received 2019-07-26
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

My wife and I refinanced our home in XX/XX/XXXX with XXXX XXXXXXXX XXXX ; MB Bank bought the mortgage and 5th/3rd Bank merged with MB Bank. We were  monitoring when we would have the mortgage insurance removed for years. MB Bank told us it would be removed in XX/XX/XXXX. A few months before this date 5th/3rd Bank sent us information telling us they were the new mortgage holder. We contacted 5th/3rd to have the PMI ( mortgage Insurance ) removed by XX/XX/XXXX and continued paying the same premium, as we were told by 5th/3rd Bank, to not cause a default. We were told the excess money of approximately {$63.00} would be returned. We spoke again and were told they would get this information right in and we would hear something in writing in 10 days. After paying XX/XX/XXXX 's premium we contacted 5th/3rd Bank again and were told it was denied because we had to have a loan equity ratio of 78 % and our ratio was 78.5 %. We spoke with a supervisor that told us this was based on an appraisal of {$170000.00} made in XX/XX/XXXX, and that no new appraisals are being accepted. I had an appraisal today XX/XX/XXXX of {$190000.00}. 
This appraisal was done without them knowing about the new roof in XX/XX/XXXX, total remodeled bathroom and granite countertops in the kitchen. If I put my house up for sale I would ask {$190000.00}. The numbers are ambiguous, its not right and the PMI should be removed. I have inclosed the original closing document showing the mortgage insurance of {$74.00}
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I sent a letter to remove ITEMS that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous Complaint & I am including it again., XXXXXXXX XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXXXXXX Balance : {$160.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX : {$130.00} XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2019-07-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

On the afternoon of XX/XX/XXXX at XXXXXXXX XXXX, Wells Fargo Banks Branch ( Tower Building ) in XXXX XXXX robbed {$20000.00} from my account. I informed the Wells Fargo Bank ( WFB ) of above illegal transaction in my account. 
On XX/XX/XXXX ; MsXXXX XXXX XXXX ( tel. No. XXXX XXXX ) of WFB responded by a letter Furthermore, branch video was obtained of disputed transaction and upon reviewing the branch video, Personal Banker XXXX XXXX XXXX at XXXX XXXX Branch which is located on XXXX XXXX XXXX, XXXX XXXX , Ca XXXX has identified you as performing the transaction. 
Ms. XXXX statement was false and untrue, since she emailed to the Branch some set of pictures ( not surveillance video ) and they were undated from different transaction. Please ask her to forward you the copy of that email, so you could see the truth by yourself. 
After three month of disappointing result from WFB I filed with the XXXX On XX/XX/XXXX, The XXXX investigator reported that two Wells Fargo employees/investigators reported XXXX directly that there is no surveillance video existing for the unauthorized transaction during the afternoon of XX/XX/XXXX The first names and phone numbers for these WFB individuals, as provided by the XXXX investigator, are : XXXX : XXXX ; and XXXX : XXXX. 
I am XXXX years oge and I am at your mercy to correct injustice, that brought upon me by the Wells Fargo Bank. 
Respectfully, XXXX XXXX My Debit card : XXXX Cell : ( XXXX ) XXXX Email : XXXX XXXX
Consumer complaint received 2024-03-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (VA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-08-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION (AR)

Im making payments to XXXX XXXX they are giving me credit for payment capital one garshment of wage and almost paid off will not give me credit for payment they are both charging off account so capital one should be required to give me credit because they are get paid
Consumer complaint received 2019-07-26
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. (CA)

I disputed information that is being reported on my credit file by all three Credit Reporting Agencies XXXX, Trasnsuion and XXXX. they stated that they verified the items that i was disputing and in turn requested that they provide me with the method of Verification and documents bearing my signature. 

They have not provided me with the method of verification as requested in several letters. they continue to send letters stating the they do not understand my request and my request are very clear.
Consumer complaint received 2019-07-26
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: National Enterprise Systems, Inc. (OH)

Every day for at least the past 7 months I come home to a voicemail message looking for a person who does not live here. I recently called back the number and told them that person did not live here and to stop calling and take my number off their list. The calls have continued nonstop. When I reached them they gave me another name -- still someone who doesn't live here. I'm just sick of it!
Consumer complaint received 2022-12-15
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: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (PA)

The following hard pull is listed on my Equifax report : XX/XX/2018 XXXX XXXX XXXX XXXX XXXX. 
XXXX, FL XXXX XXXX I do not recorgnize this. I called this phone number and they are unable to tell me why this credit pull was initiated.
Consumer complaint received 2019-07-26
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. (CA)

I disputed information that is being reported on my credit file by all three Credit Reporting Agencies Experian, XXXX and XXXX. they stated that they verified the items that i was disputing and in turn requested that they provide me with the method of Verification and documents bearing my signature. 

They have not provided me with the method of verification as requested in several letters. they continue to send letters stating the they do not understand my request and my request are very clear.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family.
Consumer complaint received 2021-09-23
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (NC)

Some years ago, Suntrust Bank reorganized their mortgage billing process. I was instructed to dispose of the current billing in lieu of the new billing being sent. It is an XX/XX/XXXX loan and the 80 % billing part of the loan came as normal, but the 10 % billing part did not, so I decided to use the old payment stubs to pay that month. Due to the fact that the 10 % billing statemnt of the mortgage arrives with a week or less to pay it, I have continued the " use last month 's stub '' process for 2 years or more to pay both the 80 % and 10 % mortgages. 

When I called to Suntrust and asked to have the 10 % billing sent earlier, I was told that could not happen. All billing was automatic and that I would have to use their grace period. I was also told they can not control the XXXX XXXX XXXX XXXX and they could not guarantee when my bill would arrive. I asked the customer service representative if he was sure he could not change the date, he assured me that it could not be done. When I look at the 10 % billing statement date of XX/XX/XXXX and it does not arrive at my home until XXXX XXXX on XX/XX/XXXX, it makes me wonder where the stall in the process is. The postal service is usually faster than 10 days. What makes this questionable is that the 80 % billing statement was run on XX/XX/XXXX. So maybe the 10 % billing statement could be run earlier?
Consumer complaint received 2019-10-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (CT)

On XX/XX/XXXX, I attempted to make a retail payment on my XXXX Mastercard issued by Synchrony Bank. The cashier told me that payment was reject, which was extremely embarrassing for me and also confusing because I had just paid my last bill. 

I called up my account and found I only had {$1.00} available, which I found peculiar as I had paid my last bill ahead of schedule. I checked with my bank and payment had already been debited. I have no history of delinquency with this card, either. 

On XX/XX/XXXX and XX/XX/XXXX, I spoke with the customer service department for Synchrony XXXX Mastercard and was informed that there was a hold on my card until XX/XX/XXXX. I was given several explanations, including that this is routine for cards that are less than six months old ( mine was issued five months ago ) and that the company was waiting five days for the funds to clear the bank. This answers were weird because ( 1 ) I've been using credit cards since 1982 and never encountered a situation where my account is frozen despite being diligent with payments, and ( 2 ) Synchrony received payment on XX/XX/XXXX and my bank account has already been debited. One manager named XXXX refused to connect me to her supervisor, despite my asking six times. 

I could understand putting a hold on my account if I had a history of delinquency or bounced checks, but I pay my bills in full and ahead of schedule. 

No one I spoke to in the customer service operation would lift the hold, with everyone claiming that it was " in the system '' - as if the company was run by self-thinking computers and no one could access data. I sent a complaint to the executive offices and spoke with XXXX XXXX in the office of the company 's president, but I found him unhelpful - he just parroted what I was told earlier about how unfortunate this was, but said no one could lift the hold on my account. 

I have never dealt with a credit card company that freezes the account of customers who are in good standing. Nor have I encountered a financial services company where no one is allegedly able to access account data for lifting a hold. 

I am asking that the CFPB look into the policies for Synchrony 's XXXX Mastercard.
Consumer complaint received 2021-06-10
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. (CA)

In my last complaint, I asked Equifax to give me to access my myEquifax account. I am unable to log in and access it, therefore can not make disputes ( or see any of my own info ) and now still can not check to see if they even fixed the one thing I was trying to dispute in my account that they said they would.

Instead, they told me to make an account! But the whole problem, to begin with, is I already have one ( which means I can't make a new one ) and I can't access the old one because I'm locked out.
Consumer complaint received 2017-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have unauthorized inquires on my Trans Union Credit Report. I have sent letters asking the credit reporting agencies to give me information on the the inquiries including my personal authorization allowing the companies to pull my report. The credit reporting agency has not provided the information I 've ask for. I received notification that the information had been verified and I know that ca n't be the case because I did not authorize the inquiry.