davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-06
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: EQUIFAX, INC. (NC)

XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.
Consumer complaint received 2019-02-27
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: EQUIFAX, INC. (GA)

I purchased a vehicle from XXXX, the vehicle was repossessed they said they sent a delinquency letter to me within 10 days which in s the law in Georgia. They did not send a letter I submitted it to the credit bureaus they have not fully investigated the problem. There is no bill of sale where they say they sold the vehicle for {$1500.00}. They sold my account to a collection agency without my knowledge. I have a $ XXXX debt with XXXX and they can't provide me with a copy of a bill of sale that I have requested to show proof that the car was sold for the amount they are telling me it was sold for.
Consumer complaint received 2016-09-26
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: First Associates Loan Servicing LLC (MD)

It started back when I applied to become a student at XXXX of XXXX XXXX. Not fully understanding the process and looking for a way to apply and advance myself in the world I did whatever it took. I was never fully explained the loan process and how the federal vs. private loan system worked. I felt like they just wanted me to sign and move on and get into their system. I went to XXXX for over a year only to be removed from the school basically because I was unemployed. I lost my job during my 2nd year and was unable to make it to classes. After begging with them ( the XXXX admin ) to understand my situation I was forced to drop out, and not like me saying sorry I can no longer make it to class, more like " if you cant make it to class you can not be a student here. '' Being unemployed you have to make smart decisions with your money, and I had to make choices. Every penny counted and when I was unable to physically make it to the campus to attend classes due to budget restrictions I was shunned! So I found myself with a pile of debt in federal and private loans, no job and a partially finished degree. Now that the school is closed I can no longer finish my degree, nor can I use the resources that I was promised by them upon graduation. The summary of all this is that I felt like prey to them. A person who is just looking to better themselves was an easy target and I fell for it, I was a target. I tried numerous times dealing with XXXX directly with claims that I felt I was being pushed out the door and they were being unreasonable with my current situation, but they never listened. 

The school was XXXX XXXX XXXX, MD
Consumer complaint received 2016-10-26
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC (UT)

Shellpoint Mortgage is missing XXXX payments from XX/XX/XXXX and preventing me from refinancing from 6.25 to 3.33 percent. I have been trying to get them to look at my account since they took over the servicing in XX/XX/XXXX and correct my account as they have been sending me notice of defaults since XX/XX/XXXX. I have proof of when my payments were sent, cashed and applied ( or in this case not applied ) and have sent them letters asking them to correct my account. I am now getting phone calls from Shellpoint asking if I would like to make additional payments to them to get my account current. No one will return my phone calls or respond to my emails or letters asking them to correct my information. I am attaching some of the correspondence so you can see how often I have been trying to get a hold of someone at Shellpoint.
Consumer complaint received 2015-07-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (FL)

Seterus mortgage asked for proof of flood insurance. Sent it as requested but kept getting letters saying they did not receive it.Ending up sending it XXXX times and following up with a phone call. Finally they acknowledged they received it. then a month later they took money out of escrow to purchase flood insurance that i already proved I had.Numerous calls to resolve this have resulted in being put on hold forever, being told they would investigate and call me back which they never do, or saying its been fixed which it has n't I am on a fixed income and need the money back in escrow to pay taxes which are due in a few months. They are causing a severe emotional and financial harddship over such a simple thing
Consumer complaint received 2016-12-18
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (MA)

I sent money to my relative but accidentally initiated it twice. I realized my initial error when the transaction came out of my bank account again, causing a overdraft, and it was returned. I called moneygram to fix the problem ( have the second item cancelled ), the representative stated they had no record of the second transaction, just the first. 7 days later the ach is processed again on my account, causes another overdraft and is returned again.
Consumer complaint received 2022-02-16
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. (UT)

RE-ATTEMPTING WITH NEW INFORMATION I requested an investigation ( sent XXXX and XXXX XXXX ) - IGNORED/NO RESPONSE. I then requested a re-investigation after multiple accounts included in initial letter were not acknowledged by Equifax through my online account ( sent XX/XX/XXXX and XXXX. XX/XX/XXXX ) - IGNORED/NO RESPONSE. The 2nd letter involved account showing multiple inconsistencies. 3rd letter sent is a demand for deletion of account due to the obvious ignoring of my dispute letters of said account as a consumer of which I was entitled to under the Fair Reporting Act. It is obvious an accurate investigation or even acknowledgement of dispute letters were even done! 3rd letter also demands deletion of account due to account inconsistencies still showing on a CHARGED OFF ACCOUNT NOW SHOWING THE ACCOUNT BEING OPEN!!!! It is obvious Equifax did not verify nor did they investigate this account with the debt collector! Charged off accounts can not be " re-opened '!!! Since the beginning of the dispute process Equifax has not done due diligence... .they have now taken it upon themselves to change the status of this account from charged off to open! Update as of XX/XX/XXXX : Equifax has now turned it back on XXXX and stated that XXXX has verified the account and that I need to send in more documentation that the account information I sent in is accurate??? ( I have already sent XXXX pages )! THIS IS ABSOLUTELY INSANE! Who is protecting us as consumers?! Not Only have they listed the account as Charged Off TWICE in 2 separate years ... .they have now re-listed as of XXXX the account as OPEN when the account was included in a BANKRUPTCY! ILLEGAL ILLEGAL ILLEGAL!! I smell a lawsuit in the very near future, someone better take care of this mess and real quick!! On this premise alone the account must be delete ... .not corrected, not adjusted, no new information added ... NOTHING BUT DELETED!! It is doing irreparable harm to my credit!
Consumer complaint received 2019-05-28
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: LCO Financial Services, LLC (CO)

I took out a loan from Blue Trust Loans, a " tribal company '' with a rate of 561.96 % interest rate, on {$2000.00}. We have currently paid back {$2400.00}. however, due to the interest rate, we will have paid {$8000.00} and have it paid through XX/XX/2019. Due to the already hardship, we are in the process of losing our home, to have to pay almost {$1000.00} a month. We have paid back what we have owed with an additional {$470.00}. This loan is stripping us of our home. Please help
Consumer complaint received 2015-07-28
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Conn's, Inc. (SC)

I purchase a refrigerator from Conn 's appliances.3 days after delivery My ice maker was not working. I called Conn 's and they sent a repairman out from XXXX about 3 weeks later. The man took the ice machine apart and said he could not find anything wrong and does not know why it wont work. He did say that the blades did not fit. 
I called Conn 's the next day and they said there was nothing they could do. I told then to contact the manufactured which was XXXX and they told me they would get back to me. I had not heard from them for aproximatly 2 weeks and I called them. 
They told me that they were not going to pay XXXX to come out but they will send someone out from the same company. The same gentleman came 2 weeks later nad walked in my home and said : Ma'am, I dont know what they want me to do.! He called his boss from XXXX and the boss called XXXX. XXXX said they could send someone out but at MY cost since Conn 's would not. He said or..They could just replace the unit and be done with it. 
Conn 's refused to replace the unit or fix it. Still to this day, when I call them all they want is money and they said they will not repair or replace the almost {$3000.00} refrigerator. 
I paid XXXX {$640.00} to fix the unit. Conn 's will not credit me the the repair fee. Please help me resolve this issue as Conn 's is reporting negative on my credit.
Consumer complaint received 2021-06-06
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: DISCOVER BANK (NC)

I have received a copy of my credit report and it shows company DISCOVERBANK account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$5000.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Consumer complaint received 2019-02-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I purchased a vehicle from XXXX, the vehicle was repossessed they said they sent a delinquency letter to me within 10 days which in s the law in Georgia. They did not send a letter I submitted it to the credit bureaus they have not fully investigated the problem. There is no bill of sale where they say they sold the vehicle for {$1500.00}. They sold my account to a collection agency without my knowledge. I have a $ XXXX debt with XXXX and they can't provide me with a copy of a bill of sale that I have requested to show proof that the car was sold for the amount they are telling me it was sold for.
Consumer complaint received 2016-07-01
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: SYNCHRONY FINANCIAL (PR)

I was sent a refund of overpayment on my Walmart card that was mailed on XX/XX/XXXX. I lost that mail in my car and I found it on XX/XX/XXXX. I tried to cash it at Walmart, and was told it was not honored because it was over six months old. I have been trying to get a replacement check since XXXX XXXX, XXXX. Synchrony Bank has strung me along every month since then, telling me to wait for one reason or another. I called today and spoke to XXXX, who said they called me on XXXX XXXX, XXXX telling me that they would not honor the check because it was over two years old. That was not true. I have never received a call from them. She then stated that I could call back, thirty days from the call I never got on XXXX XXXX. Today I 'm asking for your help to resolve this matter. I called Walmart costumer service, and followed the prompts which leads you directly to a Synchrony bank rep. 

Thank you,.
Consumer complaint received 2021-04-29
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I sent TransUnion a certified dispute letter on XX/XX/2021 and it has been received on XX/XX/XXXX, XXXX has been more than 40 days with no response. A Letter regarding unauthorized inquiries on my credit report, but TransUnion failed to respond within the time frame allowed by FCRA, the are obligated to remove those inquiries. A certified dispute letter will be uploaded to the portal.
Consumer complaint received 2015-08-01
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: SYNCHRONY FINANCIAL (TN)

I have been a victim of identity theft. I had filed a previous complaint against the original creditor on XX/XX/XXXX with the CFPB. CFPB Case number : XXXX was the complaint against Synchrony Bank for an American Eagle credit card, account ending in XXXX, that was charged after I had lost my wallet. 

On XX/XX/XXXX, I received a letter from Synchrony Bank stating:1. That this debt was discharged by Synchrony Bank. 
2. All Charges were removed. 
3. All credit reporting agencies will be notified to remove the account from my credit report. 

I have since been receiving collection letters from a XXXX XXXX , XXXX on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX attempting to collect on this debt. I assumed the first XXXX letters, even though they were one day apart in their creation, were so close to the date of the discharge that XXXX XXXX , XXXX had not been notified of the decision by Synchrony Bank. When I received the letter dated XX/XX/XXXX, I can only assume that XXXX XXXX is illegally collecting on this debt.
Consumer complaint received 2015-11-27
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL (TX)

Walmart/synchrony bank account XXXX. Opened XXXX. My acct was closed on XXXX 2011 because it was delinquent then in XXXX I set up a payment plan of XXXX payments of {$100.00} every two weeks to pay off my credit card debt. My credit reflects that the account was charged off and sold to a collection agency. This debt was paid in full and should have revered been sent to a collection agency. This account is reporting inaccurate information and I would like it to be removed from all XXXX credit reports. I will follow up with a complaint to the Florida XXXX and the Florida office XXXX for a complete investigations and account records.
Consumer complaint received 2015-04-01
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: SYNCHRONY FINANCIAL (IN)

I have a Walmart Credit Card through XXXX Bank. I had a credit limit of {$3100.00} and without notice I now have a credit limit of {$530.00}. I have never been late nor have I ever missed a payment. I feel I am being discriminated against because of my credit score. Just because my credit score is under XXXX does n't mean I should have my credit limit decreased. Again, I have never missed a payment nor have I been late. Something needs to be done about this. This is n't the XXXX time I 've been discriminated against XXXX Bank.
Consumer complaint received 2019-02-27
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: AMERICAN EXPRESS COMPANY (NJ)

American Express Serve has allowed my Serve Card to be used by unauthorized individuals in other states and they have stolen my social security benefits which is sent directly to my American Express Serve Card. Over approximately {$1000.00} in social security benefits payments to me has been compromised by the theft of others that I don't know. I have given no one my card to use for any reason whatsoever. On XX/XX/XXXX I received this information regarding a XXXX Treasury : Mon, XX/XX/XXXX, XXXX XXXX ( 2 days ago ) to me Account ending in XXXX Hi XXXX XXXX, Good news! 
You received a Direct Deposit from XXXX XXXX XXXX SEC, and the money is now available in your American Express Serve Account. Please keep this email for your records. 

Transaction Details : From XXXX XXXX XXXX SEC Amount {$540.00} Date available XX/XX/XXXX Transaction ID XXXX Questions or want to learn more about Serve? Visit us at serve.com/help. 
Thanks, The American Express Serve Team However, I am unable to access my funds and other deposits for months now.
Consumer complaint received 2015-09-02
Product: Debt collection — Payday loan
Issue: False statements or representation — Indicated committed crime not paying
Company: QC HOLDINGS INC (IL)

On Monday XXXX XXXX, 2015 around XXXX, someone called my sister n law 's phone looking for me and she told them that they have the wrong number. I called them back and spoke to a man who said that I was being accused of fraud for writing multiple bad checks and that I owed around {$5400.00} in fees. He said that I probably just made a mistake and that could settle this for about {$1000.00}. I told him that I needed him to send me something in writing to verify this and he told me that he did not have to because it was past the point of collections. I told him that the conversation would be over if he could not provide this information to me and he began yelling at me and hung up on me. When I came home i also received a voicemail from this same number just stating that there was a claim in their office and I needed to contact them back. On Tuesday, XXXX XXXX, 2015 at XXXX, I received another call from this number. I called this number back and spoke to a woman who identified this company as XXXX XXXX and stated that she was not a debt collection agency, but a mediation agency. She stated that I was being accused of fraud for writing bad checks as well and I explained to her that I would need something in writing stating what I was being accused of and how much I owed. She said that if I did n't resolve this issue that I would be referred to the county for fraud. She told me that they had me on camera walking into a loan store and writing a bad check and that is considered fraud. I then told her that I did have a payday that I took out in the past that defaulted and that I tried to make a payment arrangement with that company and the company did not want to accept my arrangement. She told me that I could settle this for about {$1000.00} and I told her that I needed to see what I was being accused of in writing first. She kept insisting that I make a arrangements with her and I kept insisting she give me something in writing. After going back and forth she said that she was just going to send this in and that I needed to get an attorney and that I would be liable for about {$4000.00} and hung up on me. I have this conversation recorded on my phone and can email it to any party that needs this or I can replay it. I tried XXXX this company and found no results. This woman did have some information about this debt but was not accurate. I believe that this company has violated The Fair Debt Collection Act for accusing me of a crime for owing a debt and accusing me of writing multiple bad checks because I took out a payday loan that defaulted. They also are not representing themselves as debt collectors which is also fraud.
Consumer complaint received 2017-02-10
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

My checking account with Capital One Bank was compromised in XX/XX/XXXX. I discovered there were fraudulent checks deposited through my mobile banking and then withdrawn. I contacted Capital One, filed a police report, signed an affidavit and my case was assigned to a fraud XXXX for Capital One. I spoke with her on a few occasions, sent all of the documentation to her. In following up, I was told that she could not contact or get any cooperation from the XXXX Dept and basically that because they took a loss, that I would have to take a loss for the money that I had in my account prior to the breach. Subsequently, I received XXXX calls from their collections department claiming that I owe them money for overdraft fees associated with my account. I explained to the agents both times that I had a fraud case, did not owe them any money and wanted to know who to get my money back. Each time they said, we will call you back and nothing. I then received a cancellation of debt XXXX for {$960.00} for XX/XX/XXXX. I have attempted several times to call the fraud XXXX and it goes straight to voicemail. I was treated as if I was the criminal and not the victim.
Consumer complaint received 2015-12-05
Product: Mortgage — VA mortgage
Issue: Settlement process and costs — 
Company: HOMESTAR FINANCIAL CORPORATION (FL)

I did a VA construction loan. The mortgage company allowed the contractor to overdraw the loan. The bank allowed the contractor to exceed the contract time line to complete the home without my permission. The Bank sent me all draw request the last XXXX the contractor did not complete the work and I did not sign the mortgage company still dispersed funds. The contractor abandoned the job. The mortgage company allowed for my to apply for the refinance to complete the home with a new contractor. The mortgage company agreed to finance the completion of the home. When the home was completed they refused to pay the contractor the agreed amount and said they would only agree to a 90 day loan. I was force to return to the original loan and pay the contractor the remaining funds which depleted my saving and maxed out my credit cards. Then the mortgage company stated that the i would need an additional XXXX for taxes even though the taxes were escrowed at closing.