davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-13
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL (MD)

There are several inquiries on my credit bureau report that appear to be in duplicate. They are all listing as a request by synchrony bank. There are duplicate entries by bank for TJMaxx. XXXX of the XXXX entries by XXXX has been deleted but an extra one remains. There is an erroneous inquiry on XXXX/XXXX/XXXX by the same bank. The bank reports they have opened an investigation with the credit bureau but it has been more than 30 days ago and the items remain. Written information about dispute never received from company as promised.
Consumer complaint received 2019-02-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

Complainant was appointed as Conservator of a XXXX person in XX/XX/XXXX. Conservator account was established at Citizens Bank. On XX/XX/XXXX, the XXXX person removed the balance of the Conservator account and opened a new personal account in her name Citizens Bank. As the XXXX person has been adjudicated incompetent to handle her personal funds, Citizens Bank should not have allowed this. On XX/XX/XXXX, the Conservator discovered the withdrawal when attempting to pay bills. She worked with a customer service person at Citizens Bank, XXXX, MA, and most of the funds were recovered. The XXXX person 's new account was also closed and the balance of {$130.00} deposited in the Conservator account. The bills were paid. 
The XXXX person filed a complaint of fraud with Citizens Bank, and Citizens Bank debited {$130.00} from the Conservator 's personal checking account and placed it in the XXXX person 's reopened account. 
Citizens Bank had no authority to debit the Conservator 's personal account for any reason. 
Everything done by the XXXX person was done over the telephone.
Consumer complaint received 2015-10-01
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: PNC Bank N.A. (MD)

For 3-4 years PNC routinely holds my tenant 's rent paid by wire transfer- typically 3-4 days before it even shows up as pending. If a holiday weekend they will hold it an additional 2-3 days. Rent typically was XXXX/mo but was raised to $ XXXX/mo this year and transfer coming via XXXX. If they can float the money and charge overdraft charges as w result they will!
Consumer complaint received 2015-12-01
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: CNG FINANCIAL CORPORATION (CA)

I am coming to the conclusion that Check N Go is making it difficult for clients to pay on their loan intentionally, and not making the terms of their loan agreement accessible. I have tried to locate my loan docs online, and am unable to. When I ask a rep, they direct me to the online account website to no avail ... they stated it may be a problem on my side. When I try to pay the loan online or over the phone, it seems my account number can not be found and it is too late to pay over the phone. The loan accumulates interest at {$15.00} per day, making it beneficial for Check N Go to prolong payments. During the XXXX holiday, I tried to pay but was unable to, and accumulated {$30.00} in interest just because there was no way for me to pay. This seems like unfair lending practices to me.
Consumer complaint received 2016-03-31
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL (NY)

As a result of a serious personal issue my account was past due. I had communication with customer service but due to my circumstances was not able to make the payment on the agreed upon date. I did however pay the account balance in full a few weeks past the agreed to date. 
I went online and found that my account had been closed however I did not receive any prior notification of a pending closure nor was I advised by the customer service team that this was about to happen. 

I had a conversation with one of the customer care account executives who was short and abrasive. He belittled me personally and did not want to hear about my personal circumstances and he stated that my 9 year history did not mean anything to him. When I asked for a higher authority he told me that he was the ONLY authority and he was standing by the decision. I have never been treated so poorly and I feel that I am being discriminated against because of my medical issue.
Consumer complaint received 2022-02-08
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (MA)

In XXXX of 2021, I applied for a refinance of my mortgage. I accepted the interest rate of 2.75 %. I am a XXXX XXXX. I might be away from home as much as 3 months a year. I have a mail box at a XXXX XXXX that I use as my mailing address. They collect and forward my mail to wherever I am working. The refinance reps wanted a bill that didn't show my mailing address but only my residential/mortgage address. I sent or uploaded my water bill. I was told by my refinance rep that my file was complete and it would take about 60 days for the new interest rate to take effect, probably XXXX. 

When I did not see any changes on my XXXX statement, I called to follow up. It was then I was told that my file had been closed because it was incomplete. I asked how it was incomplete, the rep said it was missing the water bill. I explained that i sent my water bill and was told Iwas approved. The rep confirmed that the water bill was there and a part of my file. Then i was told that the file was closed due to fraud. I asked for a explanation but no one was able to give me one. I was transferred to several different reps in different departments, always being told the next rep/department would be able to reinstate my file and give me the 2.75 % I was supposed to get. No one could tell me why my file was closed or what " fraud '' had been committed. No one could tell me why Freedom Mortgage, who called my cell phone everyday while waiting for the water bill, did not call, text, email or write me to say my file was incomplete ( which it wasn't ) or that fraud had been found. 

Then I was sent to XXXX XXXX. He said he could give me a quote on the current interest rate, since the old one expired. He told me the best he could do was 3.875 %. I declined. What I also found out later is that XXXX XXXX had not given me a quote. He filed a whole new application, without me knowing. 

This experience has left me feeling deceived and cheated. I've decided to give Freedom Mortgage every opportunity to rectify this situation before I hire a lawyer and start filing complaints to the relevant state/federal agencies, civil rights groups, predatory lending organizations and social media. Can you please help me fix this? Or forward this to the person/department who can?
Consumer complaint received 2024-05-14
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Mountain Land Collections, Inc. (UT)

In regards to company XXXX XXXX XXXX for unprofessional and emotionally abusive practices : Mountain Land Collections, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX We would like to report this company for the unprofessional and abusive way that they dealt with us. We felt that the communication was not professional or straightforward enough, and then they behaved in an emotionally abusive manner. 

We received multiple phone calls from the service that were vague claiming they wanted to collect a debt. Over the phone, we were immediately asked sensitive information because they said we had overdue medical bills. We did not feel comfortable giving them our information and as far as we knew it was a phishing scam. Someone randomly calling you and asking where you work and what your social security number and birthday is without knowing who they are is not the best way to tell someone that there is actually a reputable dispute and you are not a scammer. We were not referred to an online account where the charges were listed we were given. There was no email outlining what was wrong. We did not receive letters in red from the company listing the overdue charges with dates. We were not properly informed. Nothing but vague harassing phone calls, but no evidence of what was actually going on. We assumed it was a scam. 

On XX/XX/XXXX, XXXX XXXX a man not in uniform showed up in person to our home from the company to deliver notice that they were filing a lawsuit. We were having dinner with our kids. It was not an official legal summons. They could have delivered it on any day and they could have delivered it through mail. But no, a man showed up at my door on SUNDAY, XXXX 's Day to tell us we were being sued. It upset us very much and ruined our holiday. I personally felt like it was abusive, unnecessary, that they did not communicate well. And the way that they are conducting their business is absolutely terrible. They knew what they were doing and it was completely unnecessary.
Consumer complaint received 2018-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

Three disputes were submitted to Experian and before they could even re-investigate the disputes that have been disputed before, they come back within an hour and said the information on these particular items are accurate and up to date. NO IT ISN'T!!! The two companies in particular, XXXX XXXX XXXX XXXX and a regular XXXX XXXX are lying on the credit report. When this company was contacted, they couldn't give me any information on these accounts but for some reason, they are giving false information to Experian as well as XXXX and XXXX. This is pure fraud XXXX XXXX is committing and Experian rushed to judgment and is deciding to believe the company instead of really digging into the information. According to an attorney that I spoke to, XXXX XXXX XXXX XXXX and the regular XXXX XXXX account should be removed once and for all. These three credit bureaus have until the end of XXXX, 2018 to get these particular items removed or I will have this particular attorney contact them.
Consumer complaint received 2024-05-16
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldous & Associates, PLLC (FL)

I had a collection placed with Aldous and associates that wasn't actually owed. I cleared it up with XXXX XXXX on XXXX XXXX and the balance was set to zero. The district manager emailed the collections specialist to advise them the balance wasn't owed and to discontinue all collections. The collections agency then proceeded to place the amount on my credit report on XX/XX/XXXX and it dropped my score by XXXX points. I called and spoke to the manager at XXXX XXXX who once again advised me the balance is zero and the collections agency was advised to stop all collections activity on the account. However when I call all they say is I owe the debt and they show it as open and needed to be paid. The collections agency would not let me talk to a manager they tell me there isn't one available and to call back later. I do not owe this money and I want this removed from my credit report because this isn't a valid debt.
Consumer complaint received 2021-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LEXISNEXIS (TX)

On three occasions I have requested credit increases or inquiries and both agencies below continue to report information wrong. My first issue was with XXXX in which Lexis Nexis reported derogatory or public record. For over a year I tried to get a XXXX card until i finally disputed with them, they sent sent two reports that showed no derogatory record, within a week XXXX issued my new card. 

Now XXXX XXXX has sent me a denial showing XXXX as the consumer reporting agency. As i type this my current score on their own web page is XXXX yet they report XXXX to XXXX XXXX they also show derogatory public record which is linked directly to Lexis Nexis.

Both companies have been advised on two occasions about the lack of reporting accuracy. I am requesting that the CFPB please get involved, I run a small business and this greatly effects me and does not seem to stop. 

Request for credit requested XX/XX/2021 LexisNexis XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX
Consumer complaint received 2016-10-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Transunion had glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that ALL inquiries be removed.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

In accordance with the Fair Credit Reporting act, 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. These inaccuracies are stopping me from providing a home for my family.
Consumer complaint received 2022-02-08
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: EQUIFAX, INC. (TN)

I have filed three disputes each for two different XXXX XXXX accounts. The first account ends in XXXX and the second account number ends in XXXX. Attached you will find the results of those disputes from Equifax. XXXX XXXX states on ( IMPORTANT INFORMATION ) on XX/XX/XXXX that the last payment they received from me was XX/XX/XXXX. This was not the original date showing up on the first dispute but was changed by the company on subsequent disputes. On the first account ending in XXXX, I did not make any payments on XX/XX/XXXX whatsoever. I did however make the following payments amounts and on the following dates. Payment one after their XX/XX/XXXX date was on XX/XX/XXXX in the amount of {$150.00}. Payment two was made on XX/XX/XXXX in the amount of {$130.00}. Payment three was made on XX/XX/XXXX in the amount of {$1200.00}. Payment XXXX was made on XX/XX/XXXX in the amount of {$9.00}. And lastly, for this account payment, five was made on XX/XX/XXXX in the amount of {$11.00} resulting in a XXXX balance ( please see attached payment history from XXXX XXXX 's website ). Now, if they reported on XX/XX/XXXX that my last payment was on XX/XX/XXXX, where did they get this information since it is completely inaccurate? If the balance was updated on XX/XX/XXXX it would show a XXXX balance instead of owing 98 % of my available credit. This misuse of information is damaging to my credit report and I have tried three times to no avail to get the issue rectified. On the second account ending in XXXX, the following payments were made on the following dates. Payment one was made on XX/XX/XXXX in the amount of {$250.00}. The second payment was made on XX/XX/XXXX in the amount of {$98.00}. The third payment was made on XX/XX/XXXX in the amount of {$410.00}. And lastly, the four payment made on this account was made on XX/XX/XXXX in the amount of {$50.00}. No payments were made on either account on XX/XX/XXXX as stated by XXXX XXXXXXXX. The correct balance for this account is {$490.00}, not {$940.00}. For reasons I will not speculate, XXXX XXXX and Equifax have failed to fix the reporting of this false information despite me sending them proof and being persistent in my findings. In lieu of the information being corrected, account remarks have been changed and the date from the first dispute versus the next, and so on. I am trying to get this issue resolved as quickly as possible. This information is being reported to you because my formal disputes are going uncorrected and my phone calls are being abruptly ended despite no vulgar language or yelling on my part. I have been nothing but professional in this matter but ; I have been persistent. Please see the 14 attachments below. Thank you for your time in this matter.
Consumer complaint received 2017-02-09
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Receivables Management Partners, LLC (NJ)

I was in the intensive care unit when the hospital brought in a XXXX for XXXX, I was diagnosed with XXXX. I had XXXX and XXXX for hospital coverage at the time. Why should I be penalized for this debt because the doctor was not in the network?
Consumer complaint received 2015-12-04
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Merchants and Professional Bureau, Inc. (TX)

Merchants & Professionals has placed XXXX collections on my credit reports as of XXXX/XXXX/2015 that does not belong to me. I called them today XXXX XXXX, 2015 and informed me that I have no debt with them. This debt is XXXX XXXX, he received these services. I 'm not liable for his medical debt. This is between XXXX XXXX, his insurance, and XXXX XXXX. I did n't sign any paperwork, documents and I did n't receive ANY medical services.
Consumer complaint received 2022-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I recently pulled an XXXX XXXX reporting and XXXX XXXX report, and Bank of America is still reporting an old account with a balance on the report that had caused an adverse action against me and my business when attempting to open a new business account. I filed a XXXX XXXX Bankruptcy on XX/XX/XXXX and it was Discharged by the Bankruptcy Court on XX/XX/XXXX, and the Bank of America account was included in the Bankruptcy that was to be discharged. I called back in XX/XX/XXXX, and was advised that the bank would resolve this, but it appears it never has complied with the bankruptcy order.
Consumer complaint received 2016-08-24
Product: Bank account or service — Savings account
Issue: Using a debit or ATM card — 
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Capital One lied to me about being able to receive a letter from them, I had asked for a letter back in XXXX but I kept getting misinformation from them. I was told they were unable to send me anything due to legal requirements. I was able to get what I asked on XXXX XXXX via fedex which they claim they ca n't do. I faxed over documents to them on XXXX/XXXX/16 because due to their misinformation, I had a bank line of credit defaulted which means this will go on my credit report. They required a letter on Capital One 's letterhead which I notified them of. I am entitled back fees due to misinformation and lies of {$1000.00}, this will pay off my line of credit and plus any late fees that I had due to this. I have called numerous times on and I have not received a response from the company on this. Capital One could have sent me what I needed months ago but kept giving me brush off.
Consumer complaint received 2017-03-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (TX)

The lender is not offered any options other than a Repayment plan that is more than 80 % of there current Net income of {$2500.00} - This does not provide the client with any financial relief or assistance to her hardship that cause the delinquency. The file should be reviewed for all modification options due to the financial hardship that caused the initial delinquency to being with.
Consumer complaint received 2017-03-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Rocket Mortgage, LLC (NC)

For the second year in a row, I am expected a $ XXXX escrow refund from Quicken Loans. Essentially, I am giving Quicken Loans an interest free loan. They do not pay interest on this money back to me. It is absurd that they do not adjust my escrow and instead keep what amounts to an extra mortgage payment for one year before providing me a refund.
Consumer complaint received 2016-05-04
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

Capital One filed for a judgment against me in the XXXX VA General District Civil Court which is over XXXX miles away from where I live in XXXX ( XXXX County ) VA. Additionally, the debt was paid through my Chapter XXXX bankruptcy filing in XXXX 2014, and Capital One still has not sent a Notice of Satisfaction to the XXXX Court . This should have been sent within 14 days of notice of payment in full ( XXXX XXXX, 2014 ) as required by the Virginia Code of Civil Procedure, Section 116.850. This continues to appear as an unresolved debt on the Virginia Online Court Information System website and on my credit report, and is preventing me from obtaining a VA-backed home mortgage.
Consumer complaint received 2020-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIFTH THIRD FINANCIAL CORPORATION (NJ)

During Covid-19 we received a letter from 53rd Bank stating us to call and discuss forbearance options. Till date, my wife and I both are employed and have been diligently making mortgage payments. 
We decided to call the bank and discuss that we are not interested in forbearance and that we will continue to make payments which we did. However, 53rd had put our credit and our account status in forbearance and this has caused a lot of financial problems for my family. 
We are closing on a purchase of a vehicle and I can not proceed as they have flagged my SSN and account to list as forbearance. I will attach statements as proof that we have been making payments, they charged us with fees that are unjust. 53rd classified these fees as late payments, whereas we have been making payments diligently every month. 
To say the least, we are very dissatisfied with their customer service, their legal department and their supervisors. No one was ready to assist us when we reached out to customer service.
Consumer complaint received 2015-03-31
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Concord Servicing Corporation (IL)

The loan, after several years of servicing, was sold to Concord Servicing. A single payment was paid late, generating a late fee. The subsequent monthly payments were paid on time as usual, via online banking bill pay service. Concord continued to charge late fees upon late fees ( pyramiding ). Despite repeated contact with them about this, they have never responded in writing or in any way with an explanation of the fees or a way to resolve these. The practice continues to this day.