davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-02-24
Product: Credit card — 
Issue: Billing statement — 
Company: SYNCHRONY FINANCIAL (TX)

I bought over {$1000.00} from Rooms to Go in XXXX XXXX from the store near XXXX in XXXX, TX. I called last month in XXXX XXXX to make a payment as I did not receive an invoice for my purchase. It appears Syncrony Bank is the credit card company I received financing from when making the purchase. I called Syncrony Bank to get a copy of my statemen, pay my bill and set up auto pay. They found my account with my social security. I was able to make my first payment but they would not provide me with my account number or help me set up an auto pay so my bills would not be late. Per the representative my address was incorrect and she had changed it that day. My job requires I deploy for extensive periods of time and I would not be home to get the next bill and pay on time. I explained this to the representative and a supervisor advising I could pay more to give an advance to next months payment but they refused to help. I came home for a week today and do not see a statement from Rooms to Go or Synchrony Bank. Concerned and upset, I called Syncrony Bank again ( XXXX/XXXX/XXXX ). I spoke to XXXX ( XXXX ) and explained I had n't received a bill for a purchase on XXXX XXXX. He showed no empathy or concern. Once again I got the run around that my address was incorrect. Again I paid- now my late bill- and was not allowed to collect my account number or set up auto pay. I was transferred to XXXX who could care less about my concern and stated she only sees the address change today. Basically stating I had lied about calling in before and changing it the first time. It 's almost three months and I have yet to review my first bill. Please audit this company as I 'm sure I am not the only one going through this type of situation.
Consumer complaint received 2023-04-14
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. (FL)

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway.
Consumer complaint received 2016-08-19
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: U.S. BANCORP (OH)

In XXXX 2016, I called US Bank regarding checking account. I asked them to stop all automatic withdrawal 's going into this account. I spent over a 1 and 1/2 hours on the phone with a representative who assured me all auto drafts were stopped. In XXXX and XXXX 2016, somehow I was again hit with payments from companies that I did not authorize. When I called and spoke with the representative I was told that I never called in and they could not do anything. I have made payments on the account to get the overdraft taken care of but US Bank has been adding interest and late fees to an account that supposedly has charged off or is closed. At this point, I am confused because now ( XXXX/XXXX/2016 ) I received a statement that has minimum payments of $ XXXX/mo due on the XXXX XXXX and I can rack up late charges if I do n't comply! When the account was closed it was {$350.00}. Today, the bill I have in my hands says I owe a whooping {$880.00} for a checking account and my statement says if I do n't pay by XXXX XXXX, 2016 I will get a {$20.00} late fee. How is this possible a bank can keep adding charges to a checking account that should have been closed? How long can a bank add unnecessary fees to this account trying to bleed money from me? I am willing to pay the {$350.00} ( personally, I should NOT have to pay a dime since I requested stop payment on this account before these charges were even added ) but anything more that than is absurd. They company is unreasonable and I hope that someone in your office can help me.
Consumer complaint received 2023-04-14
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. (FL)

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway.
Consumer complaint received 2021-08-08
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MiraMed Revenue Group LLC (MS)

i sent MIRAMED REVENUE GROUP , LLC a letter on XX/XX/2021 about a alleged debt of XXXX $ that i don't owe nor had any dealing with.this is also a violation of the HIPPA law of sharing my information with third party.
Consumer complaint received 2016-04-27
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Jim Bottin Enterprises, Inc (CA)

For about one month, I have been contacted almost daily by ABC Financial ( Phone # XXXX ) by robo calls and email messages regarding a debt they contend that I owe to XXXX at a gym in XXXX, CA. I have contacted them twice ; once to understand why they believe that I owe this debt and once to tell them to cease this harassment. 
They say that I owe an XXXX XXXX account for gym dues ; however, I do not have now, or ever had an XXXX XXXX card. 
I explained this to them and informed them that there are several other XXXX with my first name in our area and that they have the wrong person. Also, I advised them that I have never been in the gym that they represent. I was thanked by my contact and was told that they would investigate further. 
About a week later the calls started again. After a few days of such calls, I contacted the company and explained the situation all over again. I also advised my contact that I would contact the Federal Trade Commission if I received another call. The contact said that she was removing me from the file and that I would receive no more calls. I thanked her, warning her again of the consequences of further annoyances. Two days ago, I received another call.
Consumer complaint received 2023-03-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (MD)

This is a multi-item complaint : Item 1 : MOHELA has failed to meet the 90 day time period for processing of my PSLF application, submitted via online portal in XXXX XXXX for any further action or inquiries about my accounts, Mohela requests an additional 90 'business days ' to respond. 
Item 2 : 90 'business days ' ( more than 125 calendar days ) is an irresponsible amount of time to process and respond to inquiries about existing loans. This time period is longer than a federal corporate tax reporting period ( 90 calendar days ), a full semester of college education ( 116 calendar days ), or a tenant eviction period after notice ( 30 days ). This extremely long processing period can represent a financial burden to the consumer who needs to make financial decisions where student loan obligations are a major consideration. 
Item 3 : Mohela failed to certify my employer information for XXXX years of XXXX XXXX service with the United States Marine Corps , when all necessary information was included on page 3 of my PSLF application form, including the correct EIN and necessary signatures from a certifying officer.

As an entity providing support to the federal student loan programs, this failure to provide accurate and responsive service is a prime example of fraud, waste, and abuse and is out of line with the expectations of the financial services industry. Mohela accepted the role of federal student loan servicer and PSLF processor willingly, and I am certain they performed due diligence and risk analysis to protect their financial stake before taking on this role. Mohela has made the claim that " unprecedented volume of requests '' is impacting their ability to process claims and impacting their level of service. I view this as a breach of trust with the general consumer and an insult to the dept of education loan programs, if not a complete failure to comply with the terms of agreement with the government.
Consumer complaint received 2022-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I would like to request for the removal of the erroneous information about my accounts that has been neglected by XXXX Credit Bureau. The inaccurate information about my accounts was still on my reports in other bureau. These accounts is already removed and deleted in other bureaus but still remains in my TransUnion Credit File. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX ***** Opened XX/XX/XXXX Balance {$2600.00} XXXX ***** Opened XXXX XXXX, XXXX Balance {$10000.00} XXXX XXXX  XXXX ***** Opened XX/XX/XXXX Balance {$12000.00} XXXX ***** Opened XX/XX/XXXX Balance {$3800.00}
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (CA)

The original creditor is : XXXX XXXX XXXX XXXX, the rent an apartment to a person named XXXX XXXX XXXX, this person did not paid the amount of {$2800.00} so now Genesis Credit Managemen put me on collections and is affecting me XXXX XXXX
Consumer complaint received 2016-05-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CCS Financial Services, Inc. (FL)

Made many attempts to contact XXXX to see why this exists and who it belongs to. They have not provided a legitimate answer as the reps do n't ha e access to view as it has been transferred to another department. I am sure the debt is not mine as I currently have an active XXXX account that is in good standing and was given to me with no issues.
Consumer complaint received 2015-09-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (GA)

On XX/XX/XXXX I received a denial letter from Chase saying that the investment property in which I initial ask for a modification on was denied. There was only XXXX program that fit the scope of modifying my investment property which was a Home Affordable Modification XXXX Tier XXXX XXXX. The other programs listed several reasons why I could n't qualify for the other programs but the Home Affordable Modification XXXX Tier XXXX ) simply said the debt to income ratio could n't be calculated within the acceptable range of 25 % to 42 %. Based off the underwriter using a gross rental income of {$910.00} XXXX based off XXXX lease and not XXXX leases for this XXXX building XXXX it was easy to sumise that they needed all of the leases. I submitted all the perpective information by the end of XXXX with updated information and all of the leases. On XX/XX/XXXX I received another letter saying the modification was denied. After reading again through all of much the same information I came upon the reason it was denied in coralation with the Home Affordable Modification XXXX Tier XXXX XXXX. It now stated that Chase services the mortgage on behalf of the insurer and can only approve certain programs. Not only was this statement not on the first denial ( hence I would have never reapplied ) but it gives the impression that Chase strung me alone putting me in a deeper financial bind when they never was able to offer me a modification on an investment property. The entire process started XX/XX/XXXX and I received my first letter of decision on XX/XX/XXXX. I was informed by Chase that in accordance with my loan I could receive a modification on my investment property. Years later I find that they never intended on helping me but instead gives me misleading information, lies, ambiguious language, contradictory approvals and eventually sends me more in to a deeper financial whole. What Chase has done is not only morally wrong, but legally wrong to a homeowner. It goes against the principalities of what banking and Finance, consumer protection Federal bureau, and any other entity that oversees money and finance when it come to the public interest. Due to the uncertainties of the denial and the truthfulness of them Im still not sure if Chase offers a modification program for investment property. If Im to go buy the first denial letter I would say yes given the denial reason but if I was to go by the second denial it would be no which means this whole process has been not only a scam to further place a homeowner is a detrimental financial state but a waste of tremendous time. I also noticed that the eligibility data was not included in the new decline letter ( hmm I wonder why ).
Consumer complaint received 2024-03-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (NY)

I have disputed multiple transactions with 3 different banks like Citibank, XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX about money being stolen from my account to make various large purchases, people withdrawing money from my account at banks and even taking vacations using my debit cards. I have tried to plead with the banks to fix the issue, but instead of refunding my money, they all say it is my fault and they will not refund my money and I have lost over {$120000.00} in the last 8 months and I don't know what else to do.
Consumer complaint received 2021-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (PA)

I have asked the credit bureaus to update my XXXX XXXX # XXXX account. This account is not in deferment and should be reflecting my full payment history. I have not missed any payments. There are several months of missing payments. Because my monthly payments are not reporting it's affecting my credit score. All 3 credit bureaus have almost a year of missing payments.
Consumer complaint received 2015-08-10
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: SYNCHRONY FINANCIAL (FL)

XXXX repo my boat and never gave me a change to get it back. The sold the note and recoveries to XXXX XXXX. A year after they sold the rights to the vessel they came back on me a put a Final Judgment in the state of XXXX after selling their rights to collect on the note. They also sold the vessel in XXXX not to comply with XXXX Statues. XXXX came back after to put another Judgment on me for the same note.
Consumer complaint received 2024-03-20
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (AZ)

I have 2 credit cards with Citibank. Both have balances close to the max credit limit due to making balance transfers to take advantage of low interest or zero interest offers. On both cards, I have made large payments to lower my utilization since the cards are hurting my credit score for being maxed out. Each time I make a large payment, my credit line has been reduced so I am still maxed out on both. Most recently, I made a {$3000.00} payment on one yesterday, and received a notification today that my credit limit has decreased by a little over {$3000.00}, so my utilization is still almost 100 %. Citibank only gives the generic answer of " credit is often monitored and adjusted due to risk factors ''. I have never had a late payment with this company and no late payments showing on my credit report.
Consumer complaint received 2020-05-03
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Harris & Harris, Ltd. (OK)

last year,XXXX I got a letter from the Oklahoma tax commission , originally it was {$840.00} I believe, I went on their website and they have a place where you can set up payment plans, I did it for the first of the month, OTC wouldnt send statements til like a few months later so I can keep record, but I was paying XXXX  a month, I got it down to XXXX and then they sent me a letter saying I owed XXXX and now its XXXX, I wrote and told them I had a plan on their site and it shouldnt be any interest and they said they have no record of there being a plan, YET, when I paid on the bill you cant help from not seeing it since it was on the same page, so then they sent a tax warrant and if I pay atleast 800 it would be not interest, I feel I owed no interest as I had been doing my payments, in fact I listed payment plan 3 times on their site. so I heard no word from OTC since XX/XX/2019 and then just this XXXX I got a letter from Harris & Harris ltd collections billing me for {$440.00} for the rest of it, on the letter they say it should be taken seriously and the OTC can take your debt to a law firm, intercept the thru tax refunds, they did already take my Okla return before I got to reply, {$88.00}, I just got the letter on the XXXX of XXXX and made payment plans for the XXXX of this month and XX/XX/XXXX to pay it all off. I paid {$200.00} in addition to the {$88.00} which took the bill down to {$150.00}, checked my bank statement and these guys ( Harris & Harris ) and took the {$150.00} out. isnt there a fine for this?
Consumer complaint received 2016-04-25
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (CA)

I entered into a written repayment plan With Chase. While making all required payments under the plan according to the plan terms, Chase kept sending notices of intent to foreclose. I filed a complaint with CFPB ( case number XXXX ) in XXXX 2015. Chase responded by stating that if I make all plan payments in accordance with plan terms, Chase would not pursue foreclosure activity. I completed the plan in XXXX 2015 and Chase still continues to send Notices of Intent to Foreclose.
Consumer complaint received 2016-09-23
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (NC)

I forgot to set up auto pay but never received a late payment notice or a phone call from Wells Fargo. The first time that they called me I answered the phone and when they told me I was late on one payment and the next payment was due, I immediately paid them both and went online and tried to set up automatic payments. Which I had to do at a later date because it would n't allow me to do it on the same day that I had scheduled a payment. It was n't until I applied for another loan That I found out they had reported it as having gone to collections at the credit bureau, although they had never started a collection process. They Temporarily ruined my credit, we were unable to make the purchase and it caused me great concern about restoring my credit. I contacted them and the credit bureau. They would do nothing to help and said they consider a loan to be in collections a week after it is due. What an abuse of the power they have over consumers.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAVALRY INVESTMENTS, LLC (TN)

To Whom It May Concern, I am a consumer and natural person fully aware of my rights protected by The Congress under the Fair Credit Reporting Act ( FCRA ). I write to bring attention to the violation of my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 by the accounts listed below.

Calvary Portfolio Servic The provisions of 15 U.S.C 1681 Section 602 A guarantee my right to privacy. 
Furthermore, 15 U.S.C 1681 Section 604 A Section 2 specifies that a consumer reporting agency can not furnish an account without obtaining my written instructions. I request the immediate deletion of this account, unless you wish to be held liable for {$1000.00} per violation. 
I expect that this matter will be addressed promptly and that the necessary actions will be taken to rectify the inaccuracies in my credit report. 
Best regards.
Consumer complaint received 2021-04-29
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. (FL)

Experian is falsely reporting an account that does not belong to me and they have not removed it. They haven't sent me any information regarding why they continue to leave it on there. 
XXXX is falsely reporting an account that does not belong to me and they have not removed it. They haven't sent me any information regarding why they continue to leave it on there.
Consumer complaint received 2016-09-20
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (PA)

I had a mortgage with Wells Fargo Bank, who after my husband passed away from XXXX XXXX refused to help with loan modification after I XXXX from my husband passing. They told me that my credit score needed to be at least at XXXX, then never helped me with a loan modification, and later foreclosed on my house.
Consumer complaint received 2017-02-24
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (UT)

I have a Wells Fargo PMA account. The terms of the account provide a service charge waiver under certain conditions. One of the conditional service charge waivers includes maintaining liquid assets, which include Wells Fargo Brokerage accounts in the amount of {$50000.00} or more. I have been maintaining this level for well over a year. Each month I receive my statement and have see a service charge. Upon calling customer service or going into a branch they are able to refund the service charge and keep telling me that my Wells Fargo Brokerage account is de-linking and that 's why I am receiving the service charge. I called and made a specific complaint about this. The representative, rather than fixing the issue, told me I needed to call-in to customer service and tell them that the company ID indicated on my account was wrong and that 's why my brokerage account keeps delinking every month. This is causing me harm, frustration, and is an unfair and deceptive practice. Wells Fargo representatives, no matter what department they are in, should be able to fix the company code so that this delinking stops happening on my account. I have spent hours and hours trying to get this resolved. I would like CFPB 's examiner in charge to perform system assisted testing to see how many customers thjis is impacting because if it 's happening to me, it 's very likely happening to other customers as well. Wells Fargo should be ashamed that they are harming their customers in this man ner.