davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-07
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: COMMERCIAL SERVICES GROUP, INC. (IL)

I am filing this complaint because has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA - they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you
Consumer complaint received 2024-03-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL (UT)

Synchrony Bank has retained a debt collection attorney and filed a lawsuit against me without contacting me via phone or correspondence. 

I am not sure if I owe this debt because it may have been discharged in bankruptcy or the charges may not be mine
Consumer complaint received 2021-07-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: SYNCHRONY FINANCIAL (MD)

My complaint is regarding a purchase I made online with XXXX on XX/XX/XXXX. I contacted XXXX early XX/XX/XXXX because I never received the package. They tracked and advised it was delivered via XXXX and who ever signed for the package signed spelling my name wrong. My community uses XXXX XXXX so know one signs for packages. It's placed in a locker and I receive an email with pick up instructions. XXXX opened a case with XXXX but they denied it indicating the package was delivered. I reached out to XXXX again whom opened a 2nd case which was denied. XXXX gave me the run around for nearly a month so I reached out to PayPal Credit as my trusted financial provider whom I used for payment. They collected little to no information from me but denied the claim stating the merchant provided proof it was delivered. I opened a 2nd case and they denied it again. If it was delivered, it was delivered to the wrong party I have never received the merchandise. I am beyond frustrated and out of {$810.00}. I trust PayPal as my go to source for online purchases because it gives me an extract layer of protection to protect my bank account and credit card details. I never would have thought a company I have done business with for many years would be unable to resolve this matter in my favor and handle the merchant chaargeback.
Consumer complaint received 2017-11-25
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A. (PA)

Recently, I found a collection on my credit report from the XXXX XXXX which is already over 4 years. 

They have called me anytime including weekend and sent a letter to threaten me to pay for it or put a collection which has been passed a long time ago. 

Pennsylvania, the creditor has four years from the date of the last activity on the account to file a lawsuit against a consumer.
Consumer complaint received 2021-09-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: COMMERCE BANK (IL)

On XX/XX/2021, I opened an account with Commerce Bank and while signing up I used promo code XXXX to receive a {$500.00} sign up bonus, but I never received the promotional bonus. 

The terms indicated : Here 's how to get your {$500.00} bonus! 
XXXX. New customers only : Click Apply Online button to open a Commerce Relationship Checking account with {$100.00} by XX/XX/2021. 
2. Make 10 debit card purchases within 60 days.

3. Have at least {$2500.00} in your account at the end of daily processing 60 days after account opening 4. Watch for your bonus coming to you! 

On XX/XX/2021, I sent a secure message requesting the status of my bonus. On XX/XX/2021, I called Commerce Bank and I was told I would be paid the bonus on XX/XX/2021. On XX/XX/2021, I called Commerce Bank and I was told that the promotion was for Kansas residents only. I indicated that I had the flyer that did not indicate the promotion was for Kansas residents only. The representatives indicated she would send the information to the research team and get back to me. On XX/XX/2021, I received a call from Commerce Bank indicating they researched the issue and will not be paying the bonus because the promotion was only for Kansas residents. I asked the representative If I could email here the flyer that I received, and she told me there was no way she could receive emails. I asked the representative that I would like to file a complaint. The representative took down my complaint and indicated I would receive a call back. 

On XX/XX/2021, I received an email from XXXX XXXX indicating that the promotion was for residents of XXXX Kansas and Commerce Bank would not honor the bonus. On XX/XX/2021, I sent XXXX XXXX a copy of the promotion that I received that did not indicate anything about a residency requirement. On XX/XX/2021, I sent a follow up email to XXXX XXXX XXXX to ask if she read my response and if Commerce Bank would be honoring the bonus after reviewing the documents, I emailed her. I have yet to hear back from XXXX XXXX XXXX or anyone else from Commerce Bank. 

After reviewing my documents, I would like Commerce Bank to honor its promotional bonus as I have met all the requirements to receive the bonus. 

Thank you, XXXX XXXX
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2021-07-07
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CURO Intermediate Holdings (IL)

I Received An E-Mail From XXXX XXXX ( Posing As One Of The Attorneys ) And Repres enting Speedy Cash On XX/XX/XXXX Stating The Following Information Below!! 

CREDITOR : Speedy Cash XXXX XXXX. XXXX XXXX Case No : XXXX Attention, AMOUNT OUTSTANDING : {$970.00} This Proceeding issued on you Docket No : XXXX with one of XXXX XXXX XXXX Company in order to notify you that after making calls to you on your phone number we were not able to get hold of you so the accounts department has decided to mark this case as a flat refusal and press legal charges against you. 

We have sent you this warning notification about legal proceeding on XX/XX/XXXX but you failed to respond on time now it's high time if you failed to respond in the next 12 HOURS we will register this case in court, Consider this as a final warning and will be E-Mailing/Fax this issue to your current employer to make they take strict actions against you. Your salary and all your wages confiscated. 

We will be forced to proceed legally against you and once it is processed the creditor has entire rights to imform your employer and your references regarding this issue and the lawsuit will be the next step which will be amounting to {$8600.00} and will be totally levied upon you and that would be excluding your attorney charges. 

Please let us know what your intention is by today itself so we can hold the case or else we will submit the paperwork to your local country sheriff department and you will be served by court summons at your doorstep. 

This is your last and final chance to settle this case. If you don't take it seriously, we will surely take hard steps against your name and social and you will be the only person responsible for the legal consequences. 

By electronically signing this Loan Agreement by clicking the " I AGREE '' button below, you are confirming that you have agreed to the terms and conditions of the Consent and that you have downloaded or printed a copy of this Consent for your records.

IF YOU WANT TO RESOLVE CASE OUTSIDE OF COURT THEN CONTACT TO RESTITUTION DEPARTMENT : -mailto : XXXX. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Kansas XXXX
Consumer complaint received 2017-11-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: JPMORGAN CHASE & CO. (MA)

Chase automatically signed me up for paperless billing in late summer XX/XX/XXXX. However, the email address they had on file was incorrect, and they never sent me an email to confirm my email address. I had been paying the same minimum amount required for many months. Chase changed this minimum amount, but never notified me. No email ( since they had the wrong address ), no phone call, no text, no physical mail. I then continued to make the minimum payment I had made previously, but Chase started hitting me with late fees, interest, etc, which I was unaware of. I checked my credit score in XX/XX/XXXX and this was the first time I realized Chase had been hitting me with these fees. I tried to work with them, but they refused to take off more then one month of late fees. The worst part of this was that my credit score was severely impacted due to my Chase account being considered " delinquent, '' and my other creditors drastically reduced my credit limit causing my severe financial issues.
Consumer complaint received 2017-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (NJ)

LOAN OPENED XX/XX/XXXX Dispute resolved ; reported by grantor {$1600.00} {$3500.00} Last payment XX/XX/XXXX THIS LOAN WAS REPAID BY THE SCHOOL, I NEVER OWED ANYTHING, I HAVE LOAN IS PAID OFF INFORMATION. BUT XXXX XXXX IS STILL REPORTING TO MY CREDIT REPORT NEGATIVITY I WAS NEVER LATE ON ANY PAYMENT, I WAS GRANTED FORBEARANCE UNTIL I GOT THIS ISSUE RESOLVED 7 YEAR LATER THIS IS STILL HAUNTING MY CREDIT
Consumer complaint received 2021-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: I.C. System, Inc. (TX)

The monthly payment, terms, credit limit, past due, and date of the last payment is missing in this report. Balance should not be reported under a collection/chargeoff account! Also, the date of the last activity on each bureau was reported differently on this account. All dates should be reported the same! I do not remember owning this particular account. I've asked the agency to provide signed paperwork that proves that I really own the questionable account but they have not complied as of the moment.
Consumer complaint received 2017-11-25
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: WELLS FARGO & COMPANY (VA)

To whom it may concern : On XX/XX/XXXX I went to Wells Fargo bank to get a credit line for {$5000.00}. They informed me that the annual interest rate would be between 8 to 10 % and the charges would be made based in my spending not in the total credit line. On XX/XX/XXXX I started using this credit to build my credit score, but I realized that they lied to me : the interest rate they are charging me is widely higher than they initially told me it would be, and the charges are totally unfair. My last amount payment was for {$150.00} from which only {$17.00} has been taken as capital payment, and the rest has been taken as interest ( see attachment ). Also, when I called customer service to dispute this unfair charge and present a complaint, nobody, from any department can gave any solution to my problem. They just did pass me by apartment to apartment without solution or clear information regarding my concern. Showing throughout this that they are unprofessional and dont solve the problems their services produced. 
I reported this to the Financial Consumer Protection Bureau, with case number XXXX. However, Im still waiting for a fair response and a real solution because the only answer I got from them was on XX/XX/XXXX telling me that : they are following the procedures according to the contract and that everything is fine. Gentlemen, anything is ok, I did not sign a contract under those conditions. They lied to me and made me sign a misleading contract, with a convenient yearly interest rate for them, which is of about 20.500 %, is useless, and I am not agree with. 
Overall, I respectfully request the adjust of my interest rate to the rate they initially offered me. 

Sincerely, XXXX XXXX
Consumer complaint received 2018-03-19
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. (WI)

this loan was opened up in 2001 due to identity theft. 
ive been trying ; for years to ge this off my credit report. 
and reported it to social security administation since i lost my social security card. 
this account is not mine
Consumer complaint received 2017-11-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: U.S. BANCORP (IN)

The bank offered a promotional 0 % interest rate. When it expired I paid off the balance. However, the bank applied the balance to a lower-rate balance and charged me 19 % on the former promotional balance. When I called to complain, I was given the run around and my call was dropped. When I called back in the bank tried to confuse me, but I know they misapplied my payment. My payment, which exceeded the minimum payment, should have been allocated to the highest rate balance, and it was not. The bank wants to cheat me and they think I am too XXXX to know it.
Consumer complaint received 2023-02-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (TN)

Someone " located '' in Texas, opened up several utility accounts in my name, i.e. XXXX XXXX, XXXX, XXXX, and XXXX XXXX XXXX ( that I know of at this time ). Since I was unaware of these accounts, they ended up in collection. I was a victim of identity theft and these and any further accounts need to be removed from my credit files.
Consumer complaint received 2021-09-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

Reference From Paypal : ID : XXXXAccount permanently limited XXXX XXXX received a letter from Paypal stating that I can no longer use my paypal account for no reason and paypal is holding my money USD XXXX up to 180 days or 6 months. I would like a fair resolution of this issue. I'm only using paypal for sending and receiving funds from my relatives abroad and salaries for my online jobs and I can see no excessive risk associated with my activities. 

Paypal must restore my access and must not hold my money as I need it asap. 
Please reinstate my paypal account. My email address is : XXXX. 
Thanks.
Consumer complaint received 2021-09-24
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Randolph, Boyd, Cherry and Vaughan (VA)

My starting debt in 2012 was {$6000.00} but every year lawyers fee and courts fee increased my debt close to {$20000.00} now. Garnishment almost for the last 9 years. Nonstop harassments calls and letters to my workplace. Police went to my home and try to arrest me. No relief in sight and I called for settlement but they offer 80 % of {$20000.00}... Just wondering about certain rights that I have 1. In Virginia, Four-year statute of limitations on auto loan debts. 2. Modern Day Debt Slavery
Consumer complaint received 2021-07-07
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: EQUIFAX, INC. (NY)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1700.00}, {$3300.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- COLLECTION ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1700.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3300.00} -This is not my account.
Consumer complaint received 2021-07-07
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: SYNCHRONY FINANCIAL (IL)

I am filing this complaint because has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA - they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you
Consumer complaint received 2019-03-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NY)

I became ill after my husband died.It was determined that I had XXXX XXXX. I received a XXXXXXXX XXXX and have been on the road to recovery for the past years.I tried to get an modification from XXXX XXXX XXXX XXXX for several years only to be mislead by bank. In fact when I wrote a letter to the CEO of XXXX XXXX concerning my situation. I was transferred to Rushmore Mortgage services. 
Rushmore received file on XX/XX/2019 two weeks before a scheduled auction. 
They had no time to review documents for a short sale or short payoff.. 











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Consumer complaint received 2017-11-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

When I reviewing my credit card statement I found transaction on XX/XX/XXXX for XXXX XXXX it was $ {$1200.00}. I did not made this transaction and my XXXX account is blocked before that date and I did not use it. 
I filed a fraud claim on XX/XX/XXXX to bank of america and they return the amount to my credit card account on XX/XX/XXXX. 
But on XX/XX/XXXX the charge me again XXXX I called bank of america again they told me that the items were shipped to my address but I did not receive any thing. He told me that I can active that claim again.I answered ( Yes please ) but the amount still in my statement. 
I received a letter from bank of america on XX/XX/XXXX that they were unable to assist and the decision has not changed. 

I did not made this transaction. 
As I know I should be not liable for this transaction. 
Thank you
Consumer complaint received 2021-02-26
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

On Wednesday XX/XX/2021, I visited the Bank of America in XXXX, Georgia located at XXXX XXXX XXXX. I approached the teller desk to withdraw money off of my unemployment card. I provided my license and my debit card to show I was an account holder. After several attempts, the teller said the machine that is used to take the money off the card was not working. I asked her to try again, she did and said it was not working then either. She said there was no-one available to fix the machine and that she could not contact any help desk to try to troubleshoot and assist me. She directed me to a manager. The manager told me the battery was dead and needed to be charged and said she couldn't promise when the machine would be working again. Then she changed the explanation and said the machine was having data and network issues and that sometimes " technology '' doesn't work. She also said she did not know when someone would be available to fix the machine and refused to call the corporate headquarters to get advice on how to troubleshoot or what could be done to help. She told me to travel across town to another bank, without consideration for the fact that I am not in a position afford certain travel, especially as I was in town to check on two elderly parents, both of whom have XXXX illnesses. I was horrified because this is a multinational corporation that has a federal contract to provide people with access to their unemployment funds. i hate to consider the number of people who are in dire straits in the midst of a pandemic and this is happening and they have nowhere to turn.
Consumer complaint received 2017-11-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (OH)

Us banks actions were never addressed. The company failed to answer my concerns about tax payments that were not due. Us bank continues to disregard the information submitted by Us banks tax processor ; XXXX XXXX XX/XX/XXXX. The last document sent by Us bank states the document from XXXX XXXX has been purged from their systems. My question remains unanswered ; Us bank molested my accounts to recover funds that were not due. Now the banks claims this document from XXXX XXXX has been purged from their files. I have supplied the bank with a copy of this document several times over the past 3.5 years. The response us bank sent ; does not address their actions on XX/XX/XXXX when funds were paid to the county. These funds include us bank payments for taxes that us bank has no lien against. 
This issue has been discussed by phone, us mail, e mail since XX/XX/XXXX. Still waiting for an answer.