davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-22
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (OH)

I applied for and received a Loews XXXX consumer credit card through Synchrony Bank. I made two separate purchases with this card in the amounts of {$120.00} and {$260.00} respectively. I attempted to make a full payment on the first charge on XX/XX/2021 debited from my checking account at XXXX XXXX XXXX XXXX For reasons unknown to me, it was rejected. The account and routing numbers were correct. Thinking that I possibly erred the first time, I resubmitted my banking information and submitted the payment a second time on XX/XX/2021. I was subsequently notified that this payment had also been rejected. I contacted my financial institution and resolved the problem by having anything charged from Loews on this account forced through by the individual in charge of verifying routing and account numbers on charges to my checking account. I was told that other members had similar problems with Loews. Bear in mind that after this had been done, this charge of {$120.00} was paid in full on XXXX, 2021 and the subsequent charge of {$260.00} paid in full on XX/XX/2021. Even so, Syncb/Loews saw fit to close my account due to the initial rejection of payments. Also, bear in mind that this company is the only one that I have dealt with that has had any problem whatsoever in debiting my checking account for bill payment. I pay all my monthly bills in this manner. The closure of this account has appeared on my credit report. I have an XXXX credit rating. My payments were on time and in full. In doing this I feel that Loews and Synchrony Bank have impugned my good name, regardless of whether or not my credit rating is adversely affected!
Consumer complaint received 2018-05-17
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. (SC)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.
Consumer complaint received 2018-05-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (NC)

This complaint is in regards to the offer of a trial modification. Payments of {$1300.00} for 3 months starting XX/XX/XXXX through XX/XX/XXXX. I can not afford to pay this. On XX/XX/XXXX, I spoke with XXXX of the Relationship Manager Department. ID XXXX. The payment of {$1300.00} is unreasonable. I need a payment between the 25 % - 31 % range of {$750.00} to {$800.00} per month. This Streamline Modification does not work for me. XXXX XXXX XXXX, Relationship Manager called me on XX/XX/XXXX regarding the Modification Agreement. XXXX XXXX stated that the Interest Rate would remain the same at 4.125 %. The arrears would be put on the end of the loan, and there would be a balloon payment at the end. I explained to XXXX XXXX, that I could not afford this payment. XXXX XXXX also proposed a Down Payment of {$2600.00} then payments of {$1800.00} per month for 12 months to repay the arrears. This is totally unreasonable. I can not afford this Repayment Plan as proposed by Ocwen/XXXX XXXXXXXX XXXX. I spoke with XXXX XXXX of NACA, who is an advocate on my behalf with Ocwen. XXXX XXXX did not appear to see my stress with these proposals which were made by Ocwen and Representative XXXX XXXX. XXXX XXXXXXXX, Supervisor at NACA will visit with Ocwen on XX/XX/XXXX and will present my proposal to Ocwen. XXXX XXXXXXXX did not give advice that is helpful to me as my advocate. XXXX XXXX said she would call me after she speaks with Ocwen on my behalf. I need help from CFPB to assist me to keep my home, and assist me in getting a good interest fixed rate or leave the interest rate the same and lower the principle, and reduce my payments for the duration of the loan to {$750.00} per month Fixed. I have requested the name and address of the Investor/Investors who hold the loan, and have been denied this information. I am updating this request as of today 's date. Please send me the Investor/Investors address, name, telephone number who holds the mortgage for the captioned property. This is my second complaint filed against Ocwen Loan Servicing, LLC and the Investor/Investors who hold the mortgage.
Consumer complaint received 2023-06-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: KEYCORP (NY)

Hi the account was closed out XX/XX/XXXX but now I field a dispute because I'm a XXXX XXXX order ca n't drive there and there saying I stop into the branch on XX/XX/XXXX to close it out in my own hands I ca n't drive so I want a answer and th branch manager retired XXXX XXXX and I'm trying to get a account open for my ssi payments there for government funds for direct deposit
Consumer complaint received 2019-07-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (IL)

On XX/XX/19, I noticed I had unauthorized activity on my account at Citibank. On the morning of XX/XX/19, I contacted Citibank to start the fraud investigation. During that time, I was asked a series of questions. One of them was : did this charge originate in XXXX or somewhere else.

This is a fraudulent charge I know nothing about, how would I now that answer?

The agent said it's showing in XXXX, so just say yes.

I asked the agent if he knew the answer then why am I being told to answer the question myself with his provided answer. I expressed my concern that this could lead to obstruction of justice if it became a criminal investigation. The agent refused to start the investigation unless I answered.

I asked for a supervisor who then repeated the same thing, and then hung up on.

I then went to a local branch and spoke to a branch manager who said he couldn't do anything and implied I was misunderstanding the agent. So I suggested we go into his office and call on speakerphone.

We did, the agent on the phone said the exact same thing as the other 2 agents and then hung up on us again. The branch manager shrugged his shoulders and said to come back in a day or two. All the while, I'm unable to get my stolen money back, withdraw any of my money, or even close my account to prevent any other fraudulent charges.
Consumer complaint received 2023-01-13
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: Experian Information Solutions Inc. (VA)

On XX/XX/2023 XXXX received the following request to block, On XX/XX/2023 XXXX received the following request to block, and On XX/XX/2023 Experian received a request under 15 U. S. Code 1681c-2 to remove/block fraudulent information reporting on my credit report. XXXX XXXX XXXX XXXX is using my identifying information without my authority. I never gave consent under 15 U.S. Code 6802 for any use of my information to 3rd parties furthermore under 15 U.S. Code 15 U.S. Code 6803 I have not provided that consent annually. XXXX XXXX XXXX XXXX is aware that use of my information without my consent/authority and outside the boundaries of the law is illegal. 

I have requested XXXX, XXXX, Experian and XXXX XXXX XXXX XXXX to validate the account by providing me with a copy of the original contract with my signature and a copy of the mandatory disclosures of personal information pursuant to 15 U.S. Code 6802 for any use of my identifying information or where pursuant to 15 U.S. Code 6803 I have given that consent annually. These disclosures are mandatory and must be disclosed prior to the consummation of the contract and a response must be given in writing before any reporting can take place. 

The use of my identifying information without authority is IDENTITY THEFT regardless of the user. Therefore I have filed an Identity Theft Report which will be attached. 


On XX/XX/2023 XXXX received the following On XX/XX/2023 XXXX received the following On XX/XX/2023 Experian received a request under 15 U. S. Code 1681c-2 to remove/block fraudulent information reporting on my credit report. XXXX XXXX XXXX is using my identifying information without my authority. I never gave consent under 15 U.S. Code 6802 for any use of my information to 3rd parties furthermore under 15 U.S. Code 15 U.S. Code 6803 I have not provided that consent annually. XXXX XXXX XXXX is aware that use of my information without my consent/authority and outside the boundaries of the law is illegal. 

I have requested XXXX and XXXX XXXX XXXX to validate the account by providing me with a copy of the original contract with my signature and a copy of the mandatory disclosures of personal information pursuant to 15 U.S. Code 6802 for any use of my identifying information or where pursuant to 15 U.S. Code 6803 I have given that consent annually. These disclosures are mandatory and must be disclosed prior to the consummation of the contract and a response must be given in writing before any reporting can take place. 

The use of my identifying information without authority is IDENTITY THEFT regardless of the user. Therefore I have filed an Identity Theft Report which will be attached.
Consumer complaint received 2021-03-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (FL)

Hi, I am a Federally Protected Consumer. The Fair Debt Collection Practice Act is intended to secure my right to privacy and is intended to protect consumers against XXXX  and deceptive debt collection practices, and I have been XXXX and deceived by National Credit Adjusters , LLC. National Credit Adjusters , LLC has knowingly and willfully violated the Truth in Lending Act ( TILA ). The Truth in Lending Act ( TILA ) was enacted by Congress to promote the informed use of consumer credit and I have been uninformed so be it. I have previously sent a Debt Validation Letter and Affidavit of National Credit Adjusters , LLC. They received it certified mail and signed off at XXXX XXXX on XX/XX/2021. As they have violated me as a Federally Protected Consumer. Within that document, it outlines their violations towards me and a way to rectify the matter. Please see the attached.
Consumer complaint received 2023-01-13
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. (VA)

On XX/XX/2023 TransUnion received the following request to block, On XX/XX/2023 XXXX received the following request to block, and On XX/XX/2023 XXXX received a request under 15 U. S. Code 1681c-2 to remove/block fraudulent information reporting on my credit report. XXXX XXXX XXXX XXXX is using my identifying information without my authority. I never gave consent under 15 U.S. Code 6802 for any use of my information to 3rd parties furthermore under 15 U.S. Code 15 U.S. Code 6803 I have not provided that consent annually. XXXX XXXX XXXX XXXX is aware that use of my information without my consent/authority and outside the boundaries of the law is illegal. 

I have requested TransUnion, XXXX, XXXX and XXXX XXXX XXXX XXXX to validate the account by providing me with a copy of the original contract with my signature and a copy of the mandatory disclosures of personal information pursuant to 15 U.S. Code 6802 for any use of my identifying information or where pursuant to 15 U.S. Code 6803 I have given that consent annually. These disclosures are mandatory and must be disclosed prior to the consummation of the contract and a response must be given in writing before any reporting can take place. 

The use of my identifying information without authority is IDENTITY THEFT regardless of the user. Therefore I have filed an Identity Theft Report which will be attached. 


On XX/XX/2023 TransUnion received the following On XX/XX/2023 XXXX received the following On XX/XX/2023 XXXX received a request under 15 U. S. Code 1681c-2 to remove/block fraudulent information reporting on my credit report. XXXX XXXX XXXX is using my identifying information without my authority. I never gave consent under 15 U.S. Code 6802 for any use of my information to 3rd parties furthermore under 15 U.S. Code 15 U.S. Code 6803 I have not provided that consent annually. XXXX XXXX XXXX is aware that use of my information without my consent/authority and outside the boundaries of the law is illegal. 

I have requested XXXX and XXXX XXXX XXXX to validate the account by providing me with a copy of the original contract with my signature and a copy of the mandatory disclosures of personal information pursuant to 15 U.S. Code 6802 for any use of my identifying information or where pursuant to 15 U.S. Code 6803 I have given that consent annually. These disclosures are mandatory and must be disclosed prior to the consummation of the contract and a response must be given in writing before any reporting can take place.

The use of my identifying information without authority is IDENTITY THEFT regardless of the user. Therefore I have filed an Identity Theft Report which will be attached.
Consumer complaint received 2023-01-13
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (NY)

I have a Harbor Freight credit card or should I say " had '', I pay off my balance every month, never missed a payment, I had a {$500.00} credit limit of which I had a XXXX balance, I get an email a couple weeks ago from synchrony saying there closing my account randomly, I didn't know that was possible, so in confusion I called synchrony to make sure I hadn't been hacked and the supervisor was very argumentative, I which I would have gotten her name, anyway there was no reason to close my account, shame on you synchrony.
Consumer complaint received 2019-07-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: PNC Bank N.A. (VA)

Hello, I am submitting a complaint regarding a dual transaction for rent in the month of XXXX, 2019. My leasing office, XXXX XXXX, charged me twice for rent and I disputed the second charge with PNC Bank. I am disputing this second charge of {$1500.00} because PNC Bank provided me with an initial provisional credit for the amount. PNC reversed my credit because the bank claims it sent me a questionnaire requesting additional supporting documentation. In my initial dispute filing, I provided the contact information for the rent manager at this property because she agreed to communicate with PNC to confirm that the leasing office does not have a record of that payment. PNC neglected to contact the rent manager and is denying my request to file a new dispute to recover the funds because their 120 day period for dispute filing has closed. I never received the initial questionnaire PNC claims to have sent via mail and the bank did not share any reminders or an electronic form of the questionnaire even though I previously elected to receive electronic communication. Mail is frequently misplaced at my apartment complex and I still have yet to receive a questionnaire. I have visited a local PNC branch several times in an attempt to re-file the dispute but this was unfortunately not possible due to the 120 day time frame. I have included evidence of the double payment as well as information regarding my communication with the leasing office to request that PNC fully and permanently credits my account and removes any associated overdraft fees. 

Thanks for your support in advance and please inform me of any updates. 

Best, XXXX XXXX
Consumer complaint received 2018-05-17
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

XXXX XXXX continues to call me. I owe around {$480.00} on a credit card debt and the debt has been passed to them. As of and including today, XX/XX/2018, they have called at least once if not more every single day. I requested they communicate only through mail. They have not complied. I requested they stop contacting me, and that further contact would be considered harassment. They attempted to tell me they could call any time they wished and that it wasnt harassment. I also have been unable to get any information on disputing the debt from them, they will not provide it.
Consumer complaint received 2022-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

in accordance with the fair XXXX XXXX  act XXXX  Alcourt my rights 15 US C 1681 section 802 A. States I have the right lo privacy.

15 US. C 1881 Section 804 A Section 2 : 2 also states a consumer reportng agone ) can not fumish a account witout my writen instructions 1. XXXX XXXX XXXX XXXX  Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Credit Card 2. XXXX XXXX XXXX Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Credit Card 3. XXXX  XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Auto Financing Companies 4. XXXX XXXX  XXXX Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Auto Loan 5. XXXX Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Credit Card 6. XXXX XXXX  XXXX  XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Credit Card 7. XXXX XXXX  Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Credit Card 8. XXXX XXXX Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Credit Card 9. XXXX XXXX  Business type Mortgage Companies 10. XXXX XXXX XXXX Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Auto Loan 11. XXXX XXXX XXXX Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Auto Loan 12. XXXX Personal Loan Companies 13. XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Automobile Dealers, Used
Consumer complaint received 2023-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (AL)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (NY)

On XX/XX/XXXX I received a mortgage loan from XXXX XXXX  ( at the time the name of this bank was XXXX ) for a total of {$350000.00}. On a monthly basis I paid a total of {$2400.00}, never missing a payment. On XXXX of XXXX, this mortgage was transferred to LoanCare and I was given a new mortgage number. On XX/XX/XXXX I sold this home and upon the deal closing on this date, paid the remaining remaining {$310000.00} of the loan to XXXX XXXX. Since that date, XXXX and/or XXXX XXXX  have XXXX to debit my account for {$2400.00} on a monthly basis totaling {$52000.00} as of today, XX/XX/XXXX. I first contacted XXXX XXXX  and MyLoanCare to resolve the issue on XX/XX/XXXX. Despite being told that this issue was resolved and I would be receiving a refund, it has still not been resolved and my account continues to be debited on a monthly basis. I have continued to try and contact the company to resolve this issue to no avail.
Consumer complaint received 2021-09-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

A girl messaged me on XXXX pretending to help with investments said I had to pay fees n I will receive {$5000.00} I ended up paying {$1100.00} in fees and still havent received anything. This person is still messaging me trying to pressure me into paying more fees and that I will get XXXX.
Consumer complaint received 2017-07-22
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Southwest Credit Systems, L.P. (PA)

Southwest Credit sent me notification of a {$830.00} debt from XXXX. This came thru the USPS. They 've assigned an account # XXXX and their own reference # XXXX. They have " offered '' a discount if I pay within 45 days of {$540.00}. I am current with XXXX/XXXX and only owe my monthly charge of XXXX. They have my name backwards but my correct address. They threaten to report this to the credit bureaus and ruin my credit.
Consumer complaint received 2017-07-22
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Modlin Slinsky, P.A. (FL)

On XXXX XXXX 2017, filed extension with court to continue abusive collection proceedings under false claim that they had obtained new service address. I offer proof they have had my correct address since before XXXX XXXX 2017.
Consumer complaint received 2017-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I called on the XXXX XXXX XXXX 2017 to request a payment deferment. It was granted. I specifically stated multiple times that I did not want the deferment to negatively effect my credit with them reporting a 30 day late. The representative assured me 3 times that it was an approved deferement and by paying a {$250.00} fee. My payment would be caught up and I would have no payment due until XXXX 2017. Which would represent my normal monthly payment. I have paid my loan on time every month an was my first payment deferment request. At any rate 3 days later and XXXX XXXX reported erroneously a 30 day late to my credit report dropping my credit score XXXX points.