davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-06-10
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CIT BANK, NATIONAL ASSOCIATION (CA)

This complaint is being submitted due to derogatory information on our credit report for property located at XXXX XXXX XXXX, XXXX CA XXXX. XXXX XXXX XXXX, NA collateral was surrendered in a Chapter XXXX XX/XX/XXXX in Federal Bankruptcy Court and the presiding judge was XXXX XXXX. This secured claim was surrendered and satisfied in full through surrender of the collateral. XXXX XXXX XXXX then sold the loan to another mortgage company and they sold the loan which resulted with One West Bank having the loan now. They have the property in foreclosure on my credit report as if I still own the property. One west bank has been notified by my attorney that the property was surrendered XX/XX/XXXX and of the improper conduct of XXXX XXXX XXXX
Consumer complaint received 2024-05-08
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Chime Financial Inc (IN)

Chime closed my account due to being in the negatives. Chime was supposed to refund me money years prior due to taking it wrongly and they never payed me back which left me with a negative balance, I was waiting for my check was supposed to come on the XXXX of XXXX and it never showed up in my account told chime they did nothing until I woke up on XX/XX/XXXX to a closed account. I've had so many issues with Chime and tried my best to keep in good standing but they closed my account and didnt inform me I had to find out on my own.
Consumer complaint received 2017-02-22
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (CA)

I am currently dealing with an account with XXXX. The account was settled, but I 'd never received receipt or any proof of payment, all I have is bank statements stating that I paid them. this is still showing up every month as an unpaid debt on my credit report and as I am trying to purchase a house, this is really hurting my credit. My calls to XXXX and with the promise of an email stating that my account is paid and closed, But I never get anything and it continues to show up on my credit report every month as a delinquent balance.
Consumer complaint received 2016-10-03
Product: Credit card — 
Issue: Billing statement — 
Company: SYNCHRONY FINANCIAL (FL)

On XXXX stmt. there was a late fee of XXXX. I made my minimum pmt and would look into this later. XXXX statement there was another late fee of XXXX. I called to dispute them and a supervisor agreed to issue me a credit. however the credit would go to the balance on the account not the minimum payment section where these charges are put. When i questioned him about this he said this is the way their computers are set up so if i did not pay the minimum amount this would continue to happen. I now owe them XXXX in later fees. But i continue to pay them my regular payment.
Consumer complaint received 2015-07-29
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Resurgent Capital Services L.P. (IN)

Resurgent Capital ( XXXX ) submitted a claim on a credit card that the Statute of Limitation has run out. They have submitted a claim on my chapter XXXX bankruptcy that had a charge off date of 2003. I have prevously disputed the debt several times when they bought this debt from XXXX. They have not been able to provide me a verification of the debt, so this debt is not valid.
Consumer complaint received 2015-06-12
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PENNYMAC LOAN SERVICES, LLC. (TX)

I contacted PennyMac mortgage for deed in lieu in XXXX of XXXX. My home in Alabama had been on the market since XXXX of XXXX ( now over 28 months ), I suffered job loss in XXXX of XXXX and moved to Texas for employment in XXXX of XXXX. The home is located in an economically depressed area and I have not been able to sell. 
Before I could be considered for deed in lieu I was told by PennyMac that I first had to apply for modification ( denied in XXXX of XXXX ). I was then told that I had to apply for a short sale before I could be considered for a deed in lieu. Both the deed in lieu and short sale were denied in XXXX of XXXX based upon their XXXX XXXX appraisal. However I continued my attempts to avoid foreclosure by listing the home which failed inspection by a potential buyer in XXXX XXXX which I provided to PennyMac. I subsequently obtained my own appraisal in XXXX XXXX which the PennyMac refused to consider because it was substantially lower than that obtained by PennyMac in XXXX XXXX. After another purchaser presented, PennyMac refused to consider a short sale and finally repeated their appraisal which still is considerably higher than the market will bear. 
I had contacted HUD who suggested that I undergo credit counseling which I did. Both HUD representatives and the XXXX credit counseling agency were concerned regarding my experience with PennyMac and apparently mine is not an isolated incidence. I currently have a buyer ( short sale ) however while PennyMac has finally decided to present my file to HUD, they are not being forthcoming regarding information required from me and although this information has been previously provided, I am concerned that " lack of information/compliance '' will be used as a means to terminate the short sale and proceed with foreclosure which is now scheduled for XXXX XXXX, XXXX. 
I am in disbelief that PennyMac maintains the position that foreclosure is a better financial alternative to a short sale. My credit has been significantly and adversely affected by PennyMac 's commitment to proceeding with foreclosure as the representative has also refused to intervene and place these proceedings on hold.
Consumer complaint received 2022-02-07
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. (FL)

While checking my credit report, I notice an account from XXXX XXXX XXXX that I believe is not being reported correctly on my credit report. On XX/XX/2021, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account. ( See Attached ). After not hearing from them for more than 30 days, I sent another certified letter on XX/XX/2021, ( see attached ), again requesting that they provide me with the information they were using to prove the accuracy of my account. I also sent certified letters to the three credit bureaus, along with my incident report, ( which is attached ), asking them to verify or remove the negative report on my credit report that XXXX XXXX XXXX is reporting. So far, I have not gotten a response. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.
Consumer complaint received 2016-10-08
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NC)

USAA Bank has recently started putting unnecessary holds on my deposits. My only way of making my deposits is via mobile app. My employer does not offer direct deposit. Not every deposit has a hold placed on it, but the holds are typically a week. One hold was for about XXXX of my deposit. My deposits are typically more or less around {$500.00} per week. There are no logical explanations for these holds. I'be been told one reason was because of a nsf that took place in XX/XX/XXXX. I have also been told the reason was because of average balances. And the holds are not on a specific account since the same amount of hold is placed no matter which of my XXXX deposit accounts I deposit my check to. The holds are n't placed on every deposit. I have had XXXX within the last three months. I 'm sick of this! This is my money, I earned it! I 'm tired of the XXXX excuses! If the American working force can not have better control over their hard earned money, then perhaps we need to do away with banking institutions entirely. USAA is suppose to be a bank for veterans, yet this type of activity is nothing more than harassment. I have had, supposedly since they ca n't tell me specifics about XXXX, XXXX nsf transactions in the over four years i 've been banking with them. I have had only one hold placed on my deposit prior to the last three months and that was over three years ago. I keep getting told it 's now government regulation and that they are doing it to protect me. XXXX! And apparently I am not the only customer having this issue. I have spoke with several having the same or similar problem. I filed a complaint with the FDIC, who sent me an email saying they had forwarded my complaint to you folks. That email was received XX/XX/2016. I have yet to hear from you on this matter.
Consumer complaint received 2016-12-06
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: ACS Education Services (CA)

I would like to request a full accounting of my student loan ( s ) with ACA. I owe far over XXXX and I think the principle balance is below XXXX. 

How much of my balance is interest, fees, principal or any other charge?
Consumer complaint received 2022-02-11
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Confusing or misleading advertising
Company: TOYOTA MOTOR CREDIT CORPORATION (TX)

I leased a new vehicle at the dealership XXXX XXXX XXXX XXXX XXXX. When I went into the finance office, the finance manageXXXX, XXXX XXXX, gave me a signature pad and told me I will be signing all my documents electronically, but he never gave me a screen or XXXX to see the actual documents. He told me that his computer system can not generate a contract until after I sign everything. He said he would summarize what I was signing, but I was unable to see anything I signed. We got to the part of the transaction where he asked if I wanted any service plan, I said no because it is a new vehicle being leased for 36 months and it will be fully under warranty for the whole lease. He said he had a great deal for me on this service plan, its only going to be {$3.00} per month. I asked him to clarify my base payment and what it would be with the service plan. He said my base payment will be {$530.00} and that with the service plan it will be {$540.00}. I asked him what the cash value of this service plan is because I know they are usually in the thousands. He said it was {$1500.00}. I told him that it didnt make sense that I would pay {$3.00} per month for 36 months and in return I get a service plan with a {$1600.00} value. I asked him how this was possible. He said XXXX is giving you an incentive for this service plan because they want to certify your vehicle when you return it at the lend of your lease. I replied Sir, you mean to tell me for {$3.00} per month, I can walk out of here and the next day I can cancel this plan and I get {$1600.00}? Thats like free money. He agreed with me and said Yes, I dont know why more people dont do it! I asked him if he was absolutely sure and I asked if he was messing with my rate at all to make the payments look this way, he said no, that would be unethical. I asked him one final time if he was sure, he said yes. So I agreed to it. The next day I was still uneasy about it so I called my local XXXX dealership to help me find out how much this service plan is actually costing me per month. They said that, according to my contract, the monthly price of that service plan is about {$49.00}, not {$3.00}. I asked them about incentives from XXXX about service plans, and they said that wasnt true either. I called Toyota financial services to be absolutely sure that I was lied to. They confirmed that what he told me was not at all truthful : There is no incentive from XXXX to buy that service plan, its not even an official XXXX product, and that XXXX certification process has nothing to do with service plans. I have the finance manager RECORDED saying all this to me as evidence of his fraud. After trying to resolve it with the dealership, they seem to think they did nothing wrong. Ive been researching this matter ever since. I believe the finance manager engaged in fraud, payment packing, and coercive tied selling.
Consumer complaint received 2015-08-25
Product: Prepaid card — General purpose card
Issue: Advertising, marketing or disclosures — 
Company: ENCORE CAPITAL GROUP INC. (LA)

midland funding llc, through their attorneys XXXX XXXX XXXXhave been calling my home number constantly for the past several days, in the afternoon, their phone number is not being displayed on my caller ID, they are in direct violation of Harrasement # XXXX XXXX Paragraphs XXXX & XXXX they are attempting to collect a debt ( credit Card ) that is XXXX years old since XXXX
Consumer complaint received 2015-10-29
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Radius Global Solutions LLC (AZ)

I had a corporate XXXX XXXX card issued to me by my former employer XXXX XXXX XXXX. I resigned from the company in XXXX 2014. I turned in the card on my last day and did not have any access to it after that. A charge was made on the card in XXXX 2014 that I did not make, and that I did not authorize. This has now gone to collections. I have tried to dispute it with XXXX XXXX but they refuse to assist since the debt has already gone to collections. This debt is not mine and the collections agency continues to harass me every day including calling my place of employment.
Consumer complaint received 2022-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.
Consumer complaint received 2016-10-12
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY (FL)

A third party vendor incorrectly billed a monthly recurring charge for internet services to an American Express account. Months earlier, I had changed the billing to another credit card, which they successfully billed for almost a year. For some reason, in XXXX 2016, they mistakenly billed the charges to the American Express card, which I had physically destroyed before then. The vendor could not explain why they used the old information, but acknowledged that they did. They then billed me correctly on the new card. No services were provided to me by the vendor from any charges to American Express. I gave this information to American Express. After a few rounds of phone calls and emails, they agreed that the charges were incorrect. The vendor was ultimately paid on the correct card, and they agree that I do not owe them any money. American Express, at XXXX point, also agreed. Unfortunately, that happened on a phone conversation, which I did not record. They did send me a letter indicating the dispute was resolved. 
I assumed that was the end of the matter but I foolishly failed to keep the letter. There was peace for a few weeks. Then American Express collectors from XXXX began calling me at home and on my cell phone trying to collect the nonexistent debt. I answered the phone for their calls and I contacted the company several times to try and explain to someone who could understand. Now it has started again, with the callers threatening that my credit may be adversely affected. I told them all that my wife and I have a credit rating of XXXX ; we pay our bills on time. Now the billing and collections calls have started up again. I 'm a XXXX and do n't have the resources of American Express. They have wasted untold amounts of time and money chasing a debt that does not exist. But because they have the apparatus in place, they can pursue the matter, taking my time, even though I have not avoided communicating with them to sort things out. I seem unable to convince them, however, that I do not owe them any money. Can you please help?
Consumer complaint received 2024-01-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MI)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2016-09-28
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ENCORE CAPITAL GROUP INC. (CA)

I applied for a home loan and found that Midland Funding had placed a collection account on my credit report without notifying me or giving me the opportunity to validate the debt. They also re-aged the debt. It was not incurred in 2014. It is past the statute of limitations and was charged off by the original creditor. It is uncollectible and Midland Funding is trying strong arm tactics and misleading info to force me to pay this even though I am legally not obligated to.
Consumer complaint received 2016-06-07
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WA)

The original debt from XXXX XXXX Bank went into collection due to financial hardships. I then had a case/judgement filed against me on XXXX/XXXX/2008 by XXXX XXXX XXXX Attorney at Law in the state of Oregon. A garnishment was granted and payments for this debt were taken directly from my wages. I have the court paperwork and case numbers. The debt was paid in full through this garnishment. Several years later, this law firm was shut down by the Oregon Department of Justice XXXX and the attorney barred. In the past year, this original debt to XXXX XXXX has resurfaced and is being pursued by Portfolio Recovery Associates LLC. I have written them, corresponding to both addresses in the collection notice, explaining that this debt is not valid, yet they continue to pursue the debt.
Consumer complaint received 2020-10-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP (NV)

This complaint is in response to US Bank perpetuating XXXX harassment, fraud, and extreme carelessness that resulted in the closure of my business bank account. They closed my bank account on XXXX XXXX, 2020 without my knowledge or permission, causing extreme financial duress for my new business. On XXXX XXXX, 2020, I began my interview with US Bank to open my business bank account. The interview was via XXXX with XXXX XXXX. He told me that he was going to walk me through the entire application process in the XXXX interview. He did so, and during the process, told me not to add the punctuation in the name of my XXXX, even though that's how it's listed on my Articles of Incorporation ; this careless advice lead to my application being in " pending review, '' which is where all of the problems started. After the XXXX meeting, XXXX XXXX then started sending flirtatious emails to me, which can very easily be found in his work emails, and on his work phone. I also have copies. He then also texted me using the information provided on my application asking if I would like to go out on a date with him the next day. When his advances led nowhere is when the real problems began, as my bank account was then mysteriously closed the very next day. When I inquired with the personal banker XXXX had set me up with, XXXX XXXX, she would not return my calls. It took me calling and texting her for 7 whole days before I finally told her that I would be including her in my complaint, which immediately sparked her interest in replying. She told me that she didn't know what happened or why my bank account was closed, but, when pressed, said it had something to do with people somewhere in a back office. Very vague, very suspicious answer. I was referred to contact XXXX XXXX, the branch XXXX, who also never called me back, or responded to my emails. I have called the helpline at least half a dozen times now, and it is obvious to me that the people at US Bank all have something to hide, and they are covering up for a XXXX harasser. All in all, they are costing me both time and money.
Consumer complaint received 2016-10-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (NY)

I have previously submitted a certified letter on XXXX XXXX XXXX which was received and signed for on XXXX XXXX XXXX requesting that a dispute be initiated for a XXXX # XXXX account which is reporting inaccurate information on my Credit Report. The following is a list of inaccurate, incomplete or erroneous information still contained in XXXX XXXX # XXXX account after the dispute. No payment history in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. The account states term XXXX 89 months and 99 months reviewed two conflicting terms.
Consumer complaint received 2015-03-26
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO. (MI)

Chase bank, intentionally reorders transactions that are processed through a checking account in order to generate additional fees for accounts that go into overdraft. 

For example, If I have a balance of XXXX in my account and they process XXXX transactions and the order of those transactions is 1 ) XXXX 2 ) XXXX 3 ) XXXX If these are processed in the order received there would be a single change of XXXX. 
However Chase reorders these transactions largest to smallest, resulting in XXXX charges of XXXX resulting in charges of XXXX the maximum they can charge in one day ( a total of XXXX transactions ). 

2 ) If you call to ask them not to process recurring transactions on your account they tell you that they can not stop these transactions, or inquire about what the criteria is for processing a transaction when your account is in overdraft they will not give you a specific answer, they say that it depends on your account standing, but also will not/ can not tell you what standing your account is in, effectively making it a complete mystery as to what automatic payments will be payed and which ones will not. 

I believe that they are intentionally withholding information, and manipulating account processing in order to generate more revenue, and defrauding the customers that can least afford these fees of their hard earned money.