davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-29
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. (MD)

In accordance with the fair credit reporting act 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 which also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2019-07-05
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: Synovus Bank (FL)

On XX/XX/2019, I called into Synovus online asking advice on how to pay taxes via check using e-check. They confirmed it would be okay. I scheduled a payment to be made XX/XX/XXXX. XX/XX/XXXX, I went into local branch, XXXX XXXX XXXX XXXX XXXX, FL, XXXX, and spoke to the head teller who confirmed that the payment would be made on time by XX/XX/XXXX through a bank to bank payment. She also added, if not, Synovus would pay for the late fee and charges. 

On XX/XX/XXXX, XXXX XXXX Taxes office had not received the payment via XXXX, and I thus incurred the late fee charged. 

On XX/XX/XXXX, I went back to the branch, and spoke to the same teller who suggested I speak to online service via the phone. After several minutes, the online service customer service discovered the payment had been sent out by paper check and not bank to bank. And they could not confirmed whether the recipient had received it, or on what day they received it. 

On XX/XX/XXXX, I contacted the bank and spoke to XXXX XXXX XXXX ( attached is out emails ) She advised me not to cancel the check via the phone, and in her emails after discovering the amount in the check. She went on to suggesting three ways it could have been done, but to wait a bit longer for it to clear. 

On XX/XX/XXXX, the XXXX XXXX Tax Department called and confirmed they received the check, and because it was a paper check I would have to pay an additionally {$350.00}. 
By XX/XX/XXXX, I returned to bank, and again spoke to the branch manager, XXXX XXXX. XXXX said she'd look into it at an appropriate time, as she has access to XXXX 's emails. I requested the bank pay the fee, honoring what their cashier said. Also, based on what XXXX suggested that I not cancel the check, the branch manager said she would " have to go higher up the ladder for that. '' I made a wire transfer on that day with XXXX from my personal account for {$350.00}. I also called the Tax office and had them on speaker phone for XXXX to hear why I was being charged the {$350.00} penalty fee. XXXX apologized, but as far as the bank honoring the amount, she could not confirm. 

XXXX communicated with me via email to confirm that the wire transfer payment had been received. I have also received a receipt for the amount from XXXX XXXX XXXX Taxes.
Consumer complaint received 2022-11-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A. (GA)

I have reached out to PNC on several occasions in regards to requesting a refund for fraud and when I spoke with a worker I was told that I had until XXXX to file a dispute. I filed the dispute prior to this date as I was trying to go back and forth to see if the company Beyond the chair would refund me as they are fraud. I've called several times on this account and asked PNC to file a dispute, but they refuse to reach out to the company who took my money for a service that was NEVER received. PNC doesn't want to dispute the charge. I've reached out and filed the dispute several times and submitted all the documents. On May I went to a meet and greet with business owners who scammed me out of {$990.00} and I reached out to them several times to get the ball rolling. This company didn't respond until I stated I'm getting my bank involved. During this time we got the process rolling to start and then they ghosted me. I reached out a lot to see if they can refund me. I then reached out to PNC and spoke with a rep who stated I have until XXXX to file a dispute and just be sure to add all the documents.
Consumer complaint received 2019-07-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (GA)

On XX/XX/2019 I made a payment of XXXX that covered my minimum payment that was due XX/XX/XXXX then on XX/XX/XXXX I made a early payment of XXXX that covered my minimum payment for the month of XXXX. On XX/XX/XXXX I get a text from synchrony saying that I am delinquent on the above account. I called the company and they told me that all they could do was remove the late fees but they could not take off the amount I supposedly owed for XXXX even though I already made a payment toward that. So now I owe XXXX as a minimum payment for the month of XXXX, which I believe to be unfair.
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 — Billing dispute for services
Company: Unifin Inc. (TX)

UNIFIN is the name of the so called debt collector with ref # XXXX said I owed over {$7000.00} on a loan I made in 2003. I said and it is takling you 16 yrs to try to collect on a loan I never made? Well, he said, is your name XXXX XXXX, your email is XXXX  XXXX is your SS # XXXX, I said where did you get this info, and he changed the subject quickly. Even told me waht my phone number is. Their phone is XXXX and said I need to pay ASAP and their fax number is XXXX. I said your are not getting a penny as I never got nor needed a loan in 2003. He replied he will do more investigating and call me back. OMG They have all my info. Please remove my persoinal info above if you publish. YOUR NEXT STEPS ASK IF I AM THE ACCT HOLDER, NO I AM NOT, NOR HAVE I EVER BEEN, BUT I CANT CONNTINUE WITHOUT SAYING YES?????????
Consumer complaint received 2019-07-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

Long story short .... Someone stole my money from my account bank. 
The bank only assume last 60 days. but now my account it's empty. It was a complete year of fraudulent transactions. 
..Talking in details.. I had 3 accounts ... the first one, was empty with fraudelent transactions ... when this one was empty the bank move form the other credit accont.. and when this one was empty, they move from my saving ... and never sent me any advice of what this happen.. I feel isnecure, outraged ... Now I was close these acconts. And this crime and the thieves go unpunished ... I can not believe it. 
And costumer serveces from the bank has not answer. The only thing that i see here is the complicity of this bank on this robbery
Consumer complaint received 2021-11-30
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. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-03-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: REGIONS FINANCIAL CORPORATION (MO)

1. Opened account to get a sign-up bonus, sometime in XX/XX/22. 
2. Working through steps to meet the sign-up bonus criteria. 
3. Deposited a little cash into the account to establish a bank connection and make sure everything is working smoothly. {$50.00} on XX/XX/22 and {$50.00} on XX/XX/22 XXXX. Went to make the remaining deposit, {$900.00}, to meet the sign-up bonus criteria. 
4. Account gets locked. 
5. Called the number in the Region 's bank External Transfers portal. 
6. Called the help lines. 
7. Talked to the branch manager where my account was set up at because my account was set up over the phone with the help of one of Regions other representatives. 
8. My {$900.00} doesn't get deposited into my Region 's Checking account. 
9. I " miss '' the cut off date to meet the sign-up bonus requirements. 
10. I call and try and dispute that it wasn't my fault that funds weren't deposited. Regions stopped the transfer, therefore I should still be eligible for the bonus. 
11. Regions stiffs me on the sign-up bonus. 
12. Try and get my external transfers unlocked to withdrawal my money. No one can unlock it until I see a banker in person. I have suggested having a notary verify my identity. XXXX  call. Nothing seems to be good enough of a solution. I live 2 hrs. away from the nearest branch. 
13. It has now been long enough that I should be able to close the account with out being charged a fee. 
14. I called to try and see what the closing process would be. 
15. I am informed that the account needs to be at {$0.00} to process a closing. I can't get the money from my account because external transfers is locked. I get the impression that I would have to be in-person to close the account even it it was at {$0.00} which I don't think should be the case. 

What I want : I think I am still do my {$400.00} sign-up bonus. I want to close the account with not penalties, and I want my money that is in the account. I want to end my checking relationship with Regions bank.
Consumer complaint received 2019-07-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (IL)

I'm looking for any canceled check with a value of 5K or higher in value from XXXX & XXXX. TO be specific I'm looking for a {$10000.00} check from XX/XX/XXXXaround XX/XX/XXXX or XX/XX/XXXX time frame A {$5000.00} check from XXXX from around the same time period. 

So about 6 to 7 months ago I called Chase inquiring about looking for cancel checks records from XXXX & XXXX I called Chase online and had the unbelievable luck to find an employee who was willing to go that extra mile. It took about 1/2hr,  but she told me to write to the following : Chase Bank Image Retention Mail Code - XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX For cancel checks or documentation from over 10+yrs ago The letter should include my account number, date ranges or figure or amounts and or dates that you were looking for. 

She said to be specific as possible or try to be as detailed as possible. in your letter. 
Unfortunately, I didn't do this right away and I waited Fast forward to 2weks ago when I thought I had misplaced the information, I called Chase and I was told that there was no place to recover records that are past 7/8yr old. I lucky and found my notes on the above address and suggested that the Chase Rep update her or the group they record. in case other CHASE CLIENTS needed or wanted to locate canceled checks or bank records that 10+yrs Last week I was in the process of drafting that letter and I happened to just look online and google the address and googled Chase in XXXX or the address and I and found out that the address in question was a Chase facility however it is now a vacant building in XXXX   All the comments & post online seem to be asking the question where all the departments & people did who had worked at building relocated too. 

I called Chase back online to inquire about what had found out and to inquire about an updated address for Image Retention department which most Chase employs have never encountered or know about. Thus, I was told again that there is no way to get bank records that are 10+yrs old. 

I'm looking for Image Retention that used to be at the above address or I'm looking for where to go to get information on any canceled check or statements with a debit entry value of 5K or higher value that was processed in XXXX and XXXX. 

To be specific I'm looking for a {$10000.00} check from XXXX, around XXXX or XXXX time frame A check XXXX around the period.
Consumer complaint received 2019-07-05
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: Experian Information Solutions Inc. (IA)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2021-11-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC. (MT)

I purchased a home in XXXX of this year ( 2021 ). My first payment was due in XXXX and I paid my mortgage on time to the servicer which was GuaranteedRate. I later received a letter from XXXX XXXX  XXXX indicating that they acquired my loan and that, begging XX/XX/XXXX, I was required to send my payments to them and to forgo any payments to Guaranteed Rate. I contacted XXXX XXXX XXXX to confirm that they had acquired the loan ( as I had not received a letter from GuaranteedRate indicating that the loan had been sold ) and XXXX confirmed that the information that was provided in the letter was accurate and that I should pay them beginning XX/XX/2021. I therefore, paid XXXX via automatic payments for my XXXX mortgage. Since then, Guaranteed Rate sent me a letter indicating that I am delinquent on my XXXX payment and that they have no record of my loan being transferred. XXXX XXXX  XXXX is indicating that this is in error and that they absolutely acquired my loan. Ive attempted to resolve the issue and have been in contact with both mortgage providers but each of them continually give me instructions to communicate to the other provider. I feel that the consumer ( myself ), should not be the delegate between two separate mortgage companies about a transaction that they initiated without my involvement. Both companies XXXX XXXX & GuaranteedRate ) are informing me to make my XXXX payments to them and Guaranteed Rate continually indicates that I am overdue ( despite the fact that XXXX already applied my XXXX payment to the outstanding mortgage balance ). In summary, I need help determining who is the proper owner of my mortgage. I will make the payments without issue as long as I know who to make the payments to. However, as it stands, Guaranteed rate has called me repeatedly to collect payment and my credit score has dropped by XXXX points which I believe is due to the fact that both companies are showing an outstanding balance in the same amount. 

I previously filed this complaint against XXXX XXXX XXXX but since I am still receiving multiple calls from Guaranteed Rate and the fact that my credit score has been negatively impaired I reached out to the CFPB today and they recommended that I file this secondary complaint against Guaranteed rate directly. Both complaints will remain open until this issue is resolved. 


I am seeking assistance in getting the two companies to correspond so that this matter can be cleared up. Thank you in advance for your help.
Consumer complaint received 2020-02-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

XX/XX/XXXX I am still trying to resolve fraud from XX/XX/XXXX. I have no on line access due to a XXXX  XXXX. Phone reps refuse to speak with me on fraud so old. See attatched. ( Just Learned ) XX/XX/XXXX CREDIT CARD FRAUD CLAIM Claim date XX/XX/XXXX. A year 1/2 Later I am told ** Adjustment Purchases Temporary Credits MUST BE ( MADE PERMANET ) to apply. See attatched Adjustment Purchases XX/XX/XXXX Temporary Credits NOT MADE PERMANET YET. USAA uses every Adjustment Purchase Temporary Credit NOT MADE PERMANET yet to ** Create CREDIT REVERSALS.If USAA credit not given how can they use that as a 2nd credit to CREATE CREDIT REVERSALS and an additional new purchase charge? XX/XX/XXXX Statements Lists {$2.00}, XXXX CREDITS NEVER APPLIED they are all credit reversals. Total credits XX/XX/XXXX were {$910.00} and SOMEHOW THEY TURN INTO CREDIT REVERSALS AS WELL when merchants just paid. I have fought this for over 2 years now. I do Not believe this is ERROR. I believe it is done to AVOID PAYING FOR FRAUD and MAKING DOUBLE PROFITS charging 2Xs. It has gone on too long to be a mistake.
Consumer complaint received 2020-02-10
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (GA)

On XX/XX/XXXX, I requested that IC system validate an debt, after viewing my XXXX  and XXXX  credit report, that responded on XX/XX/XXXX stating the debt was unverifiable, how is this company allowed to report debts to Credit Reporting agencies before being verified? Thats a clear violation according to the FCRA. How did XXXX  and XXXX  Credit Reporting agencies verify the IC System accounts, when IC System stated that they could not.
Consumer complaint received 2016-01-12
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SYNCHRONY FINANCIAL (SC)

I attempted to make my payments through my XXXX XXXX XXXX account in XX/XX/2015 and XX/XX/2015 in which for two months it was returned because this form of payment was not accepted by Synchrony Bank. So when I became aware of this situation, I made two payments within one month in order to bring my account current. I asked that as a courtesy to me that the {$35.00} fee would be removed. I was told that they would honor that in which that has not happened. Also, Synchrony keep accessing {$35.00} each month to my account although I am making my monthly payment of {$100.00} on the XXXX of each which is my due date for each month. Not to mention they are reporting as late for three months which is not the case and that is affecting my credit score. I am not late until 30 days and that has not been the case since XX/XX/2015 but they continue to report me late each month and charge a {$35.00} late fee for each month. These practices are unlawful and I wish these practices to be corrected on my behalf.
Consumer complaint received 2021-04-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SN SERVICING CORPORATION (MD)

The mortgage servicer SN Servicing Corporation has denied the review of Mortgage Assistance for XXXX XXXX XXXX. 

2 ) SN Servicing Corporation states that investor will not review XXXX XXXX XXXX for any loss mitigation assistance. However, no reason or written statement has been provided detailing the specific reason nor has any evidence been provided from Servicer, SN Servicing Corporation, that the note owner has approved this course of action. 

3 ) SN Servicing Corporation stated that they would attempt to provide assistance and review any Loss Mitigation Assistance options to prevent foreclosure. 

4 ) Despite being provided with an Offer to purchase property at fair market value, SN Servicing Corporation has instead set a sale date of XX/XX/XXXX. SN Servicing Corporation plans on proceeding with the foreclosure sale, rather than review our application for offer to purchase. 

5 ) The actions of SN Servicing Corporation are consistent with Dual Tracking. Dual tracking occurs when a mortgage servicer continues to foreclose on a borrower 's home while simultaneously considering the borrower 's application for a loan modification or other foreclosure avoidance option. In addition, SN Servicing Corporation violates the rule of RESPA AND ECOA, while failing to properly and timely provide with required documentation to complete modification and or provide Mortgage Assistance package, while discriminating against XXXX XXXX XXXX by not accepting said XXXX application. 

6 ) SN Servicing Corporation violates the Governors Executive Order No. 20-04-03-01, this order remains in effect until the state of emergency is terminated and the health emergency rescinded. 

7 ) SN Servicing Corporation practices violates federal law ( 12 C.F.R. 1024.41 ) which ; The Consumer Financial Protection Bureau, which was established by the Dodd-Frank Wall Street Reform and Consumer Protection Act of XXXX, issued mortgage servicing rules effective XX/XX/XXXX.
Consumer complaint received 2016-12-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC (NY)

I have sent, resent, faxed and faxed again the same paperwork over and over again, only to hear that my property is in foreclosure. Im very very upset by this. XXXX dragged this process ffor over a year then sold to another bank to do the same thing
Consumer complaint received 2019-07-05
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: STERLING JEWELERS, INC. (MD)

*******URGENT******* I called the XXXX XXXX XXXX office at XXXX at XXXX XX/XX/19 to speak with the representative in charge of my account. When the individual got on the phone he indicated that he was the manager and had been in charge of my account ( reference # XXXX ) since i started making payments a few months ago. Immediately after inquiring about assistance the individual proceeded to tell me that i was not smart for acquiring the debt that i have, passing extreme judgment on the amount i was paying and how the creditor that i acquired the debt with, threatened legal action against me if i modified my payments, yelled at me, spoke over me, refused to transfer my call to another representative, stated that he would not assist me with my concerns, noted to me that customer service was not his job nor his concern amongst several other demeaning and disrespectful comments. It is unfortunate that someone like this is allowed to speak to customers or individuals in my situation that have gone through extreme hardship and tragedy but are making several on time payments to rectify the situation as best as possible. I would like this escalated and action taken against this person. I am available at XXXX and would like to have my account transferred. I have filed several complaints and was denied the ability to speak to his manager during my call.
Consumer complaint received 2019-07-05
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

To Servicing Bank : SELECT PORFOLIO SERVICING XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX cc : Consumer Protection Bureau Ref. : Select Portfolio Servicing Acc #  XXXX XXXX XXXX  Loan MIN # XXXX Property : XXXX XXXX XXXX XXXX, XXXX Fl XXXX RELEASE ACCOUNT STATEMENT This is a " qualified written request '' under Section 6 of the Real Estate Settlement Procedures Act ( RESPA ). 

I am writing because : 1. STATUS OF LIMITATION OF THE ACCOUNT # XXXX. Disclose copy of Notice Default letter dated XX/XX/2007. 

Pursuant Section 6, The Real Estate Settlement Procedures Act ( RESPA ) Select Portfolio as the servicing bank handling this account, is required to disclose and release the above-referenced and inquired documents. 

Sincerely, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, Fl XXXX ( XXXX ) XXXX