davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-09
Product: Credit card — 
Issue: Credit determination — 
Company: SYNCHRONY FINANCIAL (TX)

In XX/XX/XXXX all of my debit cards where hacked into and someone tried to purchase numerous items including monthly arch payments. I did complete a Fraud Alert for 90 days on XX/XX/XXXX. ( XXXX is the 90 days grace period to be removed ). On XX/XX/XXXX someone open an bank account with Synchrony Bank and tried to applied for credit. The application was declined and it was reported to XXXX Credit Bureau. On XX/XX/XXXX ( approx time XXXX am ) I called the credit department with Synchrony Bank at ( XXXX ). I talked to representative XXXX he asked for my social security number, I informed representative XXXX whoever open this account was a hacker therefore, I could not provide my full social security and suggest I could provide the last four for his verification. I told this representative XXXX I did not want to provide my full social security over the phone it would be stupid for me to provide my full social security when I did not open this account. Whoever open this bank account did this illegal with my social security number. I never apply for a credit card or open an bank account with Synchrony Bank. I asked if he could remove this inquiry with XXXX Credit Bureau and close this bank account. Per representative XXXX he had to have my full social security number to check my account. This representative did not understand my request to remove this inquiry from Synchrony Bank with XXXX credit bureau or close this account he kept asking for my social security which, I told him on numerous time someone hack my personal information from my banks, obtaining my debit cards information which could include my social security number I did not open any account from Synchrony Bank. Per representative XXXX he could not assist me to remove this inquiry from XXXX Credit Bureau or close this account until I provide my full social security number to verified my account. Again I explained to representative XXXX I did not open a account with Synchrony Bank, however he still did not understand my request and would not accept the last four digit of my social security for his verification methods.
Consumer complaint received 2015-05-04
Product: Mortgage — VA mortgage
Issue: Settlement process and costs — 
Company: NETWORK CAPITAL FUNDING CORP (FL)

I Refi 'd XXXX loans XXXXVA, XXXXFHA with Network Capital Funding after closing the funds ststed in the signed DOCs the funds were not distributed as Pre closing docs.. I was told they adjusted the fees and other Items after signing that was not in the closing DOCuments. Se Attachment for details. 
In addition rate discount fees were added from the original GFE, which at the time I did not catch at signing
Consumer complaint received 2019-02-22
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HSBC NORTH AMERICA HOLDINGS INC. (NJ)

In Beneficial 's response dated XX/XX/XXXX to CFBP complaint # XXXX, Beneficial representatives state, " XXXX XXXX XXXX referenced three previous mortgages dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Please be advised that we are unable to research these mortgages as they are no longer available in our servicing system. '' Since Beneficial is incapable of doing the research on these three previous mortgages, I have done it for them and have included them within this complaint. As one can see by doing a simple comparison, the three previous mortgages ( XXXX, XXXX and XXXX ) completed by Beneficial contain the correct legal description of my deceased parent 's property, as opposed to the legal description contained in the purported XXXX mortgage Beneficial ( HSBC ) admittedly sold to XXXX, with servicing being conducted by XXXX XXXX XXXX XXXX XXXX ( XXXX  ). This is further evidenced by the legal description contained in the XX/XX/XXXX Loan Title Insurance Policy issued by XXXX XXXX XXXX XXXX, XXXX Once again, Beneficial and XXXX are unethically misrepresenting the facts and continue to seek judgement on a security interest without the required standing or supporting documentation. I demand they stop any and all misrepresentations and illegal actions.
Consumer complaint received 2019-02-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (NY)

I Open a Checking account with TD Bank XX/XX/2018 and TD Bank Frozen my account XX/XX/2018 and I got a direct Deposit form Social Security and when I spoke with TD Bank they told me I have to step in to a branch to unfreeze my account and I can't withdraw funds for the account and don't have Access to use it
Consumer complaint received 2016-12-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: College Foundation, Inc. (GA)

Payments were never late, always been enrolled full-time in school or there has been a forbearance in place or a deferment. Also all loans have now been paid off and consolidated but they have reported several loans with either XXXX or XXXX missed payments and this is negatively affecting my credit and journey of repairing and rebuilding my credit.
Consumer complaint received 2015-10-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (CO)

I received information about having XXXX new negative items on my credit report, so I did a free credit check report and noticed several bills that had incorrect information including my home address. I do n't recognize most of the alleged bills that are outstanding in my name, which leads me to believe I am a victim of identity theft. As soon as I noticed this, I immediately disputed the negative items, however, the disputed have gone unresolved and still remain on my credit report.
Consumer complaint received 2016-11-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Diversified Consultants, Inc. (VA)

XXXX was paid a final payment of XXXX in XXXX 2016 and they acknowledge it on their end, but diversified consultants keep reporting it to the credit bureau as unpaid. 
It seems as though they could contact each other to straighten this out.
Consumer complaint received 2022-08-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA (VA)

I have sent Goldman sach banks a correction of billing errors notice pursuant to 15 USC 16666 ( a ) stating that there is an error in the statements for credit card associated with ACCOUNT NUMBER ENDING:XXXX pursuant to 15 USC 1666 ( b ) ( 4 ) and have demanded that they credit the account with the amount of credit ( {$6000.00} ) that was issued to the consumer ( me )
Consumer complaint received 2016-07-26
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Stenger & Stenger, P.C (MI)

I recently received notice from a law firm, XXXX XXXX XXXX stating that a lawsuit was filed against me by XXXX XXXX XXXX XXXX. XXXX XXXX is first attempting to collect on a debt that was discharged in court because they failed to appear in court after I objected to the accused charges. Some time has passed and the debt that is claimed that I owe is now time barred. The statute of limitation to collect debt in Michigan is 6 years. I find it unreasonable for me to have to take off from work to file a counter suit against this collection agency when they are knowingly breaking the rules established by the FDCPA.
Consumer complaint received 2017-03-16
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (MA)

Hello! 

Thank you in advance for dedicating your time to helping those being wronged by what seem to be impossible odds. This complaint is to be filed against Navient, formerly known as XXXX. 

A summary of my experience for your review follows : I graduated the University XXXX in XXXX with a XXXX, focus in XXXXSix months post-graduation ( the grace period ), I began paying off student loans. My loan balance is the same then as it is now, seven years later. 

In XXXX, the economy was in a horrid state, so consequently my dreams of a high-paying entry level position were met with the reality of a part-time XXXX position that barely made {$250.00} a week. Resumes sent out everywhere, joined a temp agency, no bites due to " lack of experience ''. 

It 's been seven years since graduation and my monthly student loan bill was and still is the highest bill I have to date, and it goes up each year without fail. Regardless of my financial status, employment of lack thereof, Navient/XXXX failed to provide me with options that were parallel to my financial status. 

When I was unemployed : They would ask what my monthly expenses were which would always be, obviously, more than {$0.00} with rent, utilities, food, transport I still had to pay hundreds of dollars despite the fact that I was not earning income When I was employed : It did not matter how much I was making, I would have to pay the full normal rate, whatever it would be at that time I can not get my cosigners off of my private student loans because, according to Navient : if you are on a repayment program, you do n't qualify for your cosigner to be removed if you are n't, you have to pay the normal ( outrageously high ) rate for a full year for them to be removed Unfortunately, it has been impossible for me to find employment that pays enough for me to live ( shelter, food, transport ) and pay these loans. If it were n't for my family, mainly my siblings who are in a similar circumstance, I would have been homeless at least 20 times by now. 

In XXXX, the hurdle I am facing with Navient, and the main reason I am writing this complaint is my Federal Loans have been disbursed, and they are also serviced by Navient. I definitely can not and will not pay this loan when I know that the terms of all of these loans can be extended and interest rates dropped so borrowers can afford to make payments that meet what they earn. There is no logical explanation as to why Navient sets its payment plans at unnegotiable high rates that they know their borrowers can not afford. Since it defies logic, you can only conclude it 's a profit game. 

It would be great to be able to work with a lender that was fair and interested in borrowers being able to participate in the world instead of ensuring they struggle in it. I 'm sure we would not mind paying for that. 

Thank you for your time. Please let me know what I can do to move this process forward.
Consumer complaint received 2022-02-09
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC (IL)

The end of XX/XX/2020 I was let go due to COVID from my employer. I immediately call Shell Point Mortgage which is now NewRez. Our mortgage was sole from XXXX and they did a loan modification and put us in a ridiculous mess. We are locked in a 40 Year Mortgage with hardly nothing going towards the principle. When XXXX XXXX obtained our loan th balance was {$140000.00}. XXXX XXXX years later our balance is {$150000.00} plus I paid two payments towards the Principle. Its just highway robbery but legal. Since, th take over we have never been late but in XXXX I called to let them know I may be a bit late because my employer was dragging their feet with my final check. I am not sure if the Rep. was New or just didnt care but she transferred us and we got disconnected but before she transferred she said someone would be in contact with me. We never heard from anyone so I paid XXXX on time and paid XXXX a few days later. To our dismay they reported us late after I called we were not interested in going intro forbearance just needed a bit more time after getting let go because of this pandemic. The mortgage company basically said they could not help us that the rep never notated the account. I was misguided in thinking that companies would not be reporting late if they were contacted because of their pandemic. Now, that rates are so low we want out of this shady deal but because we are showing late two times on our mortgage we cant do refinance with a lower percentage we want to go down to a 15 year loan to oay it off sooner. I am so distraught about losing my job and now this. I know co- workers who have gone a year without paying and their mortgage company isnt reporting them late because Of COVID. I really believe they dont want to help because they want us bound tI their unreasonable terms and conditions. Please if at all you would be able to help get that off our credit we could get into a new mortgage that would allow us to pay it off sooner and repair our credit.
Consumer complaint received 2016-08-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (MO)

There are several inquires I did NOT inquiry what is going on? I want these removed XXXX Date Filed XXXX/XXXX/2016 Type Bank Credit Cards Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX Date Filed XXXX/XXXX/2016 Type Bank Credit Cards Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XXXX/XXXX/2016 Type Bank Credit Cards Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX Date Filed XXXX/XXXX/2016 Type Mortgage Reporters Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX
Consumer complaint received 2015-04-10
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Onity Group Inc. (FL)

The attached complaint was initially written to the XXXX County DA Office and the Florida AG Office. Instead of rewriting it to your office I attached a copy of the verified complaint. Some of the issues within the complaint has been submitted to your office in the past with no results. However, there are a few new issues and new evidence attached to this complaint. 
Please advise? 
XXXX
Consumer complaint received 2020-11-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: MoneyLion Inc. (TX)

MoneyLion/XXXX is holding on to funds from an authorization charge from a cancelled order that should have been released by now. Its not right that theyre still holding on to the funds and havent credited my account back. Im very disappointed and I hoped that they would be able to help me out as I desperately need my funds very bad. For this company to be a credit builder company there are not helpful.
Consumer complaint received 2022-02-09
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. (WA)

On XX/XX/21 I sent a letter regarding inaccurate and incomplete credit information on my credit report. To this day over 90days later I have not received a response yet. I feel like I'm being Taken advantage of and being ignore of my disputes. I demand these account be deleted or updated immediately or I will file for litigation due to the stress you cause me.
Consumer complaint received 2016-07-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (MS)

I spoke with this debt collector. I offered to make payments on this collection. He refused to let me set up a payment plan. He said I must make payment in FULL. I can not make payment in full. So I submit this complaint regarding his statement. I offered to make payments and he refused. He is refusing to let me make payments. That being said, I should not have to pay this debt since he refused to let me make payments.
Consumer complaint received 2016-04-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (IL)

I did not open a XXXX XXXX. I have disputed with all XXXX bureaus at least 12 times. 
I have requested validation of all aspects of the account, to include original application and signature, dispute letters, authorized users, statements, payment history, charge off statement, they can not validate. I sent certified letter and they have 30 days to complete and have not been able to validate. Account states on credit report I can not be located. Account states was sold to XXXX -- XXXX sent me a letter stating they were closing the account and removing from credit report due to no information.. Should delete and block the account permanently.
Consumer complaint received 2015-10-12
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (CO)

My home has reached loan to value 2 years ago, so PMI, MIP should n't apply to me. Wells Fargo says the insurer says I owe PMI for the entirety of the loan. I have an FHA 30 year fixed with 17 years left on the loan. I think they are lying and want me to keep paying the XXXX bucks a month. loan originated in 2002 so the new PMI law does n't apply. What recourse do I have? Regards.
Consumer complaint received 2023-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CCF Intermediate Holdings LLC (CO)

Date : XXXX Credit Bureau : XXXX The lending entity Speedy Cash/XXXX made a hard inquiry into my XXXX credit file which caused material damage to my credit. I never completed an application with this company, and they need to remedy this issue by correcting the error. I also feel that many others have been affected negatively by this predatory behavior and the company should be fined. i am attaching photographic nature of the misleading FAQ on the Speedy Cash website which makes no mention of even pulling a credit report anywhere in the process. As I never completed the process the hard credit inquiry seems arbitrary and capricious in nature based on the spirit of the application, fraudulent based on the facts.
Consumer complaint received 2022-09-03
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: Experian Information Solutions Inc. (NC)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items listed in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous items which are being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XX/XX/XXXX DEPT OF ED XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2016-02-21
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: CITIBANK, N.A. (FL)

For whatever reason, my financial institution ( Citibank ) did n't see this dispute in my favor. If anyone from the disputes department called XXXX XXXX XXXX and asked just some basic questions it 's easy to see that this franchise has a lot of gray areas and has a a hierarchy of rules and people to contact just to get a simple answer. This franchise is such a scam! 

I paid for a service/membership that was never honored. Merchant canceled my membership without telling me. ( No correspondence, phone calls etc. ) When I went into store to use my prepaid pass I was told that I could not use pass until my pass was paid in full ( more money and another payment of {$160.00}. I assume whoever sold me this " wax pass '' makes commission and sold me on singing up. She failed to mention all these extra deceiving details ) I was not interested in continuing this pass so I asked how I could I get my money back. I was then told by an associate I could receive a full refund back to my original payment method after talking to a manager. I reached out to the district manger named XXXX via the phone on a handful of different occasions asking for a call back. I even went into merchant where I signed up after making several phone calls. 

( Update : I just recently found out on XXXX/XXXX/16 that XXXX in fact does n't work at a physical store. She works in a call center. This franchise is running a scam ) I asked to speak to another manger and of course the only manager I can speak to is XXXX. I was then told by another associate working that " my pass had been canceled for non payment. '' There was nothing she could do other than to let me use my store credit at the full retail price for services and not the discounted price. The only way to get a refund was by talking to the manager within 7 days. '' Supposedly, XXXX contacted me a dozen times about getting my refund. And if I wanted one all I had to do was call her back in this time frame. 

I attempted to contact the manger XXXX numerous times including driving across town to speak in person with a manager during this 7 day timeframe. I find it very coincidental that it took her longer than 7 days to get back in contact with me. 

( Update as of XXXX/XXXX/16 after calling and speaking with XXXX again, this time I got ahold of her on the first try, I was told that it took her so long to contact me because she works on a first come, first serve basis and by time she got all my messenges it was on the XXXX day ) I do n't want a store credit. I want my money back! I paid for services I never received! I am not interested in having services done with this merchant ever again. So having a store credit means nothing to me. 

My pass was canceled and the manger XXXX did not reach out to me during that 7 day period. This company literally took my money and my bank sided with them. 

While this is being investigated/appealed is it possible to receive a provisional credit? 

Thank you again for your time, XXXX
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

I reviewed my consumer reports and noticed that i had two late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of ( XX/XX/2023, XX/XX/2023 ). Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :