davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: SYNCHRONY FINANCIAL (TX)

XX/XX/2020 : I call Synchrony Bank to inquire why transactions aren't going through. *transactions are denied thru money in my PayPal XXXX and from my bank, despite funds being available. I escalate to dismiss all late fees. 
call lasts XXXX XX/XX/2020 : Email frXXXX XXXX  -- Payment confirmation received XX/XX/2020 : Email from XXXX -- Your payment was returned XX/XX/2020 : Email from PayPal -- Payment receipt received XX/XX/2020 : Email from PayPal -- Your bank declined payment XX/XX/2020 : Closed account XX/XX/2020 : Call Synchrony Bank to inquire why account closed. Am told I missed payment in XXXX XXXX lasts XXXX XX/XX/2020 : Email from PayPal -- Your payment is scheduled XX/XX/2020 : Called XXXX to ask how payment is distributed. Agent says payments apply to special financing last if customer doesn't call and dictate how they want the payment distributed. 
XX/XX/2020 : Email from PayPal -- Your payment was not applied XX/XX/2020 : Contacted XXXX XXXX to inquire about denied transactions and agent says transactions were never attempted. " That's odd. We don't ever block payments to customers bills or credit card. '' For nearly a year, I have been making payments to PayPal and they have been returned by Synchrony Bank. This month has been the most egregious delay in scheduling the payment and getting a notice that the payment was not applied. Regardless of what bank account I pay from, even if I attempt to transfer money from my own PayPal account balance within PayPal,  Synchrony claims the transaction is denied or the payment isn't applied. 

It seems purposefully confusing because notices come from PayPal but payments go through synchrony and synchrony blames it on PayPal and PayPal blames it on synchrony. Synchrony also blames my bank ND my bank says they have no record that there has even been an attempt to put the transactions through. When they do go through, it is applied however Synchrony decides rather than customer interest or special financing purposes. 

Lastly, the late payments and closed account have significantly impacted my credit score and the stress is unnecessary, especially given the times. It's confusing, expensive, and wastes my time.
Consumer complaint received 2015-06-30
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Franklin Credit Management Corporation (NC)

COMPLAINT # XXXXAfter request for help from XXXX CFPB sent XXXX notice of complaint as per CFPB letter dated XX/XX/XXXX. I have been working with XXXX to settle with Franklin Credit Management XXXX XXXX Lien Holder ) so that a Deed-In-Lieu can be accepted on my property at XXXX XXXX XXXX XXXX, NC XXXX. 

XX/XX/XXXX - XXXX informs me that on XX/XX/XXXX they sent a fax to Franklin Credit an offer to settle. Today I called XXXX credit to verify that they had received the offer and they claim that no offer has been received. Fax number sent was XXXX. I requested that XXXX send another fax with the offer to Fax # XXXX XXXX - XXXX ( Franklin Credit XXXX. 
Foreclosure hearing is on the XX/XX/XXXX. This will be the 4th Court Hearing! 
Both, XXXX and Franklin Credit call me almost daily, even today. I have given them all the information they requested to do a Deed-In-Lieu. Unfortunately, Franklin Credit does not seem to cooperate with XXXX and resolve the settlement so that there will be a clear title. 

This new complaint is directed in reference to Franklin Credit Management. The record should show XXXX recorded conversations ) well over 100 conversations concerning my account and no resolution in site. 

I ask that CFPB send a letter to Franklin Credit to work out a settlement so that a Deed-In-Lieu can proceed. 

Information on the account with Franklin Credit Management is as follows : Account XXXXFranklin Credit Management CorporationXXXX XXXX NJ XXXX XXXX have been trying to settle with Franklin since XX/XX/XXXX. The customer service is absolutely unacceptable. Last 3 way conversation with Franklin Credit, XXXX, and I this month, should have cleared any obstacles yet it has not! Someone is not telling the truth and I am to the point where I have no choice but to walk away. My personal finances are in a critical status and I do not know what to do. 

Your cooperation is urgently requested. 

Thank you, XXXX XXXX XXXX XXXX XXXX, XXXX
Consumer complaint received 2024-05-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NM)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.
Consumer complaint received 2021-03-02
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: HCFS Healthcare Financial Services of TeamHealth (CA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2020-07-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (FL)

My apartment experienced toxic mold following an air handler replacement. While the company acknowledged it they expected me to pay for remediation. They never did remediation but a deep cleaning. The mold came back. I developed serious health issues ( XXXX, XXXX XXXX, XXXX, XXXX  ) and after a back and forth with them and their attorney I broke my lease and moved. They sent a 'bill ' to Hunter Warfield Collections saying the damage to my apartment was from nicotine and charged me 7k in fees!! I requested a debt validation from Hunter Warfield in XX/XX/2019 with what I am entitled to by law and if they did not provide this they had to delete my account and remove from credit reporting. I did not receive anything from Hunter Warfield. All other letters and emails have been ignored except for them sending a 'bill ' now and then. 
This is illegal!!! I will attach emails and files. I hope you will read them. I also have pictures of my XXXX XXXX caused by this mold. The file is over the limit and I can provide to you upon request.
Consumer complaint received 2017-07-31
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY (CA)

My used XXXX XXXX XXXX was purchased with a bumper to bumper warranty from XXXX XXXX XXXX in XX/XX/XXXX or XXXX 2017. The first event was that the car had rear mirror stated on the purchase agreement that was not on it so they installed an after market camera on the car.Now the rear passenger side bumper is flapping loose so I called them when i got no real clearing of the problem took the car to XXXX XXXX XXXX in XXXX California a certified XXXX Dealer.When XXXX the service consultant looked at the car he showed me where the glue had worn off and 2 clams that hold the bumper were broken.He said the car would have to be sent to a body shop but contact the dealer that i bought it from.I called XXXX XXXX and they said bring it up for them to see. I called today and asked would the car be repaired today and they could not guarantee it would be.In fact tmight have to stay overnight.My round trip would be 1 hour up and 1 hour 15 min back ( 2 hours 20-30 min each trip.This did not involve any accident so it was not my fault but the dealers fault.To simplify they could have let a dealer close to my home fix it as the car is under warranty to help with the poor service and loss of time that I have suffered in this transaction. I called Wells Fargo Bank @ XXXX and they were going to call XXXX. My account number XXXX.
Consumer complaint received 2022-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

In accordance with the Fair Credit Reporting act the following accounts have violated my rights. 
1 : XXXX XXXX account # XXXX 2 : XXXX XXXX XXXX XXXX  XXXX ) account # XXXX 3 : XXXX XXXX  account # XXXX 4 : XXXX XXXX account # XXXX 5 : XXXX XXXX XXXX account # XXXX 6 : XXXX XXXX account # XXXX 7 : US BKPT CT NJ XXXX ref # XXXX 8 : XXXX XXXX account # XXXX 9 : XXXX XXXX account # XXXX 10 : XXXX account # XXXX 11 : The XXXX XXXX XXXX account # XXXX 12 : XXXX XXXXXXXX XXXX 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.
Consumer complaint received 2021-11-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC (CT)

On XX/XX/XXXX, I sent a validation request letter to Cavalry Portfolio Services via certified mail in response of a letter revived by them on XX/XX/XXXX stating that I allegedly owe them a debt. They have received and signed the return receipt on XX/XX/2021. It was signed by XXXX XXXX. I clearly stated that my letter is a VALIDATION and NOT a VERIFICATION letter. After that, I received a letter from them stating they have reported the account to the credit as disputed as well as stating that the account is " verified '', although I clearly stated that I am requesting Validation not Verification. It is now Wednesday XX/XX/XXXX, more than 30 days later, they have NOT provided the validation I requested nor have they removed the debt collection from my credit report. This is a clear violation of the COLLECTION PRACTICES ACT. They have no right to go after me to collect debt from now on since they have failed to provide VALIDATION.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2016-07-16
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I recently went into Bank of America 's branch that is located in XXXX, TX to deposit two claim checks that was made payable to both me and my mortgage company. One check was from XXXX and the other was a XXXX check. The mortgage company endorsed the checks and I went in to deposit them to my checking account. Where I was told by the branch manager that they could not take the checks because they were a third party check. The XXXX check was drawn from a Bank of America account. Called customer service and they said that all claims checks were a third party check and Bank of America would not accept that. The checks were dual signatures checks requiring two signatures, I do not believe that these are a third party check. They would not take the checks, not even put them into my account with a hold till the checks cleared.
Consumer complaint received 2015-06-24
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

The banks and their fees its like they dont care about the little people XXXX Dollar transfer XXXX dollar maintence fee what do u need to maintence? This happens all the time now my account is negative because of the fee i had a XXXX balance.
Consumer complaint received 2021-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (IL)

In XXXX I opened two secured accounts with USAA. One being a Secured Visa account ; the other being a Secured XXXX XXXX Account. I was using the cards responsibly paying my obligation monthly. In XXXX, unfortunately, I had medical issues that forced me into the hospital- not having the proper assistance, these accounts went into default. USAA used the monies that secured these accounts though an outstanding balance was left. 
USAA began reporting these collection amounts to all three major credit bureaus. # 1 ). I do not feel I owe these amounts and have inquired with USAA regarding them. I continue to get the run around. Once they sent documentation which explained nothing. # 2 ). Both accounts are being reported to all three major credit bureaus incorrectly and inaccurately. I have attached an Identity IQ credit report that I purchased for your review. Dates are not consistent, why are they reporting a credit limit on a closed account, high credit amounts are incorrect/inconsistent, date last active and date of last payment are not consistent. Refer to payment history. XXXX is reporting nothing, XXXX is reporting monthly charge offs and XXXX is reporting that the accounts are being paid as agreed. WHAT?? INACCURATE/INCORRECT/POOR BEST PRACTICES. 
I have been disputing these accounts with both the bureaus and USAA. I am being told they are verified/validated as being correct. HOW??? what is there verification methods. I spoke with USAA just last week and the woman in the collection/dispute department told me that USAA does not correct credit bureau reporting ... .that is only done by the bureaus. WHAT??

This could all be resolved if USAA would just remove these tradelines from all three credit bureaus. I've suffered with this since XXXX. XXXX is enough please.
Consumer complaint received 2018-07-01
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. (IL)

I sent Transunion a letter stated that the information about me working a XXXX XXXX XXXX XXXX  is not true. My daughter worked there. They claimed that an employer verified it that is fradulent. Then I called Transunion they claimed to have removed it and it was placed back on my Report in XX/XX/XXXX. I have proof I have never been employed there. 
this is fradulent information that they refuse to delete.
Consumer complaint received 2020-07-20
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: Experian Information Solutions Inc. (MI)

XXXX XXXX XXXX has been deceptive and made a mistake and put my car loan in bankruptcy status and therefore took the trade lines off and have not reported my perfect payment history. Because of this my credit report does not show any car payment history at all and its making it impossible for me to get out of this high interest rate loan and lower my car payment. They are purposely doing this in order to keep me paying this high interest rate. Then they try to say well we don't need to report your history at all, had they told people their payments on their car would never be reported to credit bureau 's how many people would accept a loan like that when the whole purpose of the loan was to rebuild credit to begin with?? I need help, I have spent almost 1 1/2 years fighting them and they keep blaming everyone else but it's them, they refuse to correct the problem!! please please please help!!
Consumer complaint received 2018-07-01
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. (PA)

I have the same error on my XXXX credit report, and my XXXX   credit report. Equifax won't give me my credit report online because they can't identify that I'm the same person because they have my information completely wrong. 

This error is part of an account that is NOT mine. Me and my father have a similar name, and these credit reports blatantly show that and even have my birth year completely wrong and also show that I use multiple different names. 

The account name is XXXX XXXX, and the past due amount says {$870.00} dollars on my credit reports. XXXX  and XXXX state that this account has been opened on XX/XX/2017.
Consumer complaint received 2018-04-28
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Weinberg Mediation Group LLC (MO)

The Weinberg Mediation Group called me about a debt that I owe. I told them I needed to talk to my wife about the settlement offered and would call back. LESS than 40 minutes after speaking to XXXX XXXX, she called my wife with a very demanding tone asking for our debit card information. My wife asked her to verify the debt and provide the settlement in writing, XXXX XXXX refused to do so. She stated that the debt had to be taken care of right then. My wife told her she would call her back. The next day after my wife and I talked, my wife called back and left a message to pay the offered settlement. No one called back. XXXX XXXX then called her back on XX/XX/XXXX while she was driving. My wife told her it wasn't a safe time and they agreed that XXXX XXXX would call back on Saturday while she was in the office. On Saturday XX/XX/XXXX, XXXX XXXX did call back but at XXXX and XXXX. These times go against our rights as consumers, given to us in the Fair Debt Collection Practices Act. My wife called XXXX XXXX back to let her know that she was ready to pay but that she was also going to file complaints with the proper offices. At this time XXXX XXXX refused to take payment and told my wife she would note the account and disconnected the call. My wife called back and asked to speak to a supervisor, she spoke to XXXX XXXX. XXXX refused to answer my wifes question about the law regarding the times a creditor can call. He also refused to take payment for the settlement and disconnected the call. We would have liked to have settled the debt today. But we also feel that this " agency '' has handled themselves unprofessionally and has broken more than 1 of the Acts protective features for the consumer. And they have refused to take our payment for the settlement of the debt at this time, once we stated we would be contacting the proper offices about their wrong doings.
Consumer complaint received 2017-06-04
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A. (TX)

We had some financial issues in XX/XX/XXXX and had to file bankruptcy. We had reaffirmed our home and had all payments caught up by XX/XX/XXXX. In XX/XX/XXXX CitiMortgage sent a statement indicating that we were still 1 month behind on our mortgage. I had contacted them by phone beginning that same month about the situation and they assured me that they had found the mistake and would correct it. Several months passed and every month I had the same discussion with them about the missing payment. I had finally sent them documentation by fax, email and certified mail showing that the payment had cleared my account and nothing was ever settled. I fell behind again in XX/XX/XXXX and by XX/XX/XXXX, I called to catch the payment up but the mortgage company would not except payment over the phone. On XX/XX/XXXX I mailed 3 payments to CitiMortgage. They sent the checks back to me stating that they received the checks on XX/XX/XXXX and my account was referred to the foreclosure lawyers on XX/XX/XXXX. I then asked them the amount that needed to be paid to stop foreclosure and reinstate my loan and they could not tell me at that time and that I would need to contact the foreclosure attorneys. I then contacted the attorneys on XX/XX/XXXX by phone and was told that they would have to review my case and it would 3 to 5 days to send me a reinstatement amount. I received an email from the attorneys on XX/XX/XXXX providing me with the reinstatement amount including several charges that I disputed. I sent a letter by mail and fax disputing the charges. I never received a response so on XX/XX/XXXX I wired the money in the reinstatement quote as instructed to the attorneys account to meet the deadline and stop foreclosure proceedings. I have attached some of the correspondence requesting information. <P/>Thank You, XXXX XXXX
Consumer complaint received 2018-08-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (WA)

Am an american express membership rewards member. Upon attempting to transfer points to XXXX XXXX  on saturday XX/XX/2018, the following message was received : " This action will not be completed at this time because your account is currently being reviewed to make sure all eligible purchases meet qualifying criteria. '' Called customer service same day, which did not resolve the issue. Could not give a time frame of resolution.
Consumer complaint received 2018-07-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I had two cards with capital one credit card company. During my business with them my identify was stolen and i took measures into contact-ion capital one and during this process there were fraudulent charges that were accumulation onto the card. Capital one did shut, and close both cards but say that want me to pay the money, even though i did not make the charges, there is o liability that capital one has but they keep harassing me.