davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

Forbearance was approved from XX/XX/XXXX to XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX accounts ending in # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX and # XXXX are closed as of XX/XX/XXXX and were approved for forbearance from XX/XX/XXXX to XX/XX/XXXX and XX/XX/XXXX to XX/XX/XXXX. 
Forbearance is not reflected in some of the closed servicing accounts and some of the open service accounts should be closed. 


Company 's Response We have reviewed your complaint along with the information you previously provided regarding this issue. After reviewing the activity on your file, along with the information in our data base, we have updated the XXXX XXXX accounts ending in # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX and # XXXX. These items are now currently reflecting the payments from XX/XX/XXXX through XX/XX/XXXX as in forbearance. An email has been sent to you informing you that you may view the results of this investigation online. If you have any further questions, please call us at XXXX, XXXX, XXXX XXXX   XXXX XXXX ET. For more information please visit our Frequently Asked Questions page at XXXX
Consumer complaint received 2019-02-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (CA)

I am a member of the XXXX XXXX XXXX XXXX in the XXXX XXXX XXXX, at present ). I opened a Chase XXXX credit card account while I was a cadet ( not XXXX XXXX ; not an XXXX or enlisted ; this is XX/XX/XXXX XXXX at the XXXX XXXX XXXX XXXX. After I graduated and commissioned as an XXXX and became XXXX XXXX I requested SCRA ( Servicemembers ' Civil Relief Act ) benefits be applied to my account, namely the ceiling on interest rate charged. I started this process in XXXX through the Chase online and phone systems to no avail. After getting help from some XXXX XXXX lawyers, I subsequently sent a formal package and request via certified mail with all requested proof in XX/XX/XXXX. My request was still denied. The reason given for denial is that Chase is claiming I was XXXX XXXX while a cadet/student at the XXXX XXXX XXXX. The SCRA report shows " XXXX XXXX XXXX '' from XXXX to XXXX and then " XXXX XXXX XXXX XXXX '' from XXXX forward. 

I did not commission into full XXXX XXXX as a XXXX XXXX until graduation from the XXXX XXXX XXXX after I had opened my credit card account with Chase. The XXXX XXXX XXXX I presented this situation to concurred with me and recommended that I try sending a formal package to Chase and then submit complaints to the various consumer protection bureaus if that didn't work.
Consumer complaint received 2019-02-27
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: PNC Bank N.A. (DC)

My aunt went into the hospital due to a major XXXX XXXX on XX/XX/XXXX. On XX/XX/XXXX a fraudulent check was written and cashed in her name for {$38000.00}. Once this was discovered by my aunt through her monthly checking statement she followed all of the protocols required by the bank to have the money reimbursed. On XXXX, XXXX, XXXX PNC Bank reimbursed {$28000.00} of the stolen money. As of this date, XX/XX/XXXX the remaining {$10000.00} has yet to be put back into the account. My aunt passed on XX/XX/XXXX without this being resolved. She put me on her checking account before she passed. I am now taking care of the bills for her home and attempting to get the process started to become executor of her estate which this money would allow me to cover the court filing fees which I can not currently afford. This money is important to me moving forward with handling the business I need to take care of. My most recent correspondence with this situation has been with a follow up call from their fraud investigator saying that their back office was looking into the matter on XX/XX/XXXX. I only receive follow up calls once I take the initiative to reach out to them. I need this money put back into the account immediately.
Consumer complaint received 2022-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CT)

I have numerous accounts being reported incorrect. I have items that are well over 8 years they are currently reporting as a newer account that should be off my credit report. I have Inquiries that are false and some are not off my credit report. Last, they are reporting wrong information because they are receiving old Information from other credit bureaus and not actually getting the right information so my credit score is suffering because of this. This is lawless and Unconstitutional. These acts do not comply with the Fair Credit Reporting Act.
Consumer complaint received 2017-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FC HoldCo LLC (NV)

I bought a car in XXXX XXXX. I got a loan through FlagShip and was making payments monthly. I made all my payments on time, however, I got in a crash in XXXX XXXX and my car was totalled. I had insurance and gap insurance which together paid off the car fully. I had no problem for a couple months, but recently ( XXXX or XXXX XXXX XXXX I checked my credit score and I was flagged as missing a payment. This does n't make sense as the car loan should have been paid of in full by my former insurance company ( they kicked me off afterwards unfortunately ). What can I do to get this reversed, I went from a XXXX to about a XXXX.
Consumer complaint received 2016-09-20
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Prosper Marketplace, Inc. (KS)

I told my niece I would co-sign a loan with her. She quit making payments. I got on computer and look at prosper. XXXX XXXX put a {$7000.00} loan in my name and electronically sign it. This is computer fraud and identity theft.
Consumer complaint received 2016-04-29
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: Onity Group Inc. (NJ)

I am writing this letter to begin the process of filing a formal complaint against Ocwen Mortgage Company contact # XXXX. 
Ocwen Loan Servicing , LLC XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX WWW.OCWEN.COM We have been communicating with Ocwen for over 3 years trying to close a short sale which they continue to sabotage. 
XXXX XXXX, XXXX was the scheduled closing date for the short sale and XXXX did not remove the XXXX lien from the title to close the loan. 
XXXX XXXX, XXXX we were scheduled to close and Ocwen again did not remove the XXXX mortgage from the title. Then on XXXX XXXX, XXXX I spoke agent ID XXXX XXXX and he explained that there was an " issue with the title '' and the information that is needed to clarify this will be emailed to me and the broker within 24 to 48 hours. XXXX agent ID XXXX then called again on Thursday XXXX XXXX, XXXX and said the request to send the email was not done ... .then on XXXX XXXX, XXXX spoke to XXXX again and he said he would need to transfer me to XXXX in the research department who then stated that she would need to place on several holds and then came back with the same information that there is " an issue with the title '' and the legal department is now handling this and they will be emailing us instructions within 24 to 48 hours. I am trying to paint a picture of the level of sabotage that is going on to try and prevent the short sale from taking place over the past 3 years. Phone calls and emails similar if not worst to this one has been occurring between myself and Ocwen, Ocwen and the broker and Ocwen and the buyer. We are all ready to close this short sale and they continue to do everything they can to transfer and delay the closing and in the meantime continues to file paperwork to foreclose the home. As the seller of the property I am asking for further assistance in dealing with Ocwen as someone has to be in charge of regulating them so they can not continue to sabotage a short sale by not providing the necessary documentation to close the sale. Ocwen has repeatedly not provided the necessary documents to move forward with the sale. Everyone including the attorney, buyer, broker, agent and myself have always been ready prepared to close this short sale and Ocwen conveniently finds a reason to not provide the documentation which in this case is to remove the XXXX mortgage from the title to close. I was informed by your customer service department to file a separate complaint for each mortgage the second mortgage I am referring to in this complaint will be filed separately. The second mortgage is a HELOC-Home equity line of credit.
Consumer complaint received 2015-07-16
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: AVANTE (KY)

I was contacted by a collection agency : AvanteUSAXXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX the collection letter dated XX/XX/XXXX I was to pay Avante USA {$50.00} for prior original creditor XXXX ; date of service XX/XX/XXXX Account NUmber XXXX
Consumer complaint received 2022-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (CT)

I have numerous accounts being reported incorrect. I have items that are well over 8 years they are currently reporting as a newer account that should be off my credit report. I have Inquiries that are false and some are not off my credit report. Last, they are reporting wrong information because they are receiving old Information from other credit bureaus and not actually getting the right information so my credit score is suffering because of this. This is lawless and Unconstitutional. These acts do not comply with the Fair Credit Reporting Act.
Consumer complaint received 2017-05-01
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (GA)

XXXX   XXXX , they had begun to chagrining me all kind of elaborate amounts for billing, every bill was more the he last amount. I called almost every month trying to get some resolution to the billing. They would say the are correcting it  to one amount but  they never did the next month it was worse. I have asked to speak with supervisors and management its always they will call me back but I never got a call. They would call my sons numbers on the account but would never call me even after they were given my number to call. In  XXXX   XXXX  I decided to just pay the equipment amount and take my numbers off as well as pay the phone bill. The phone rep  XXXX  agreed that it would be ok, so I pay what was due plus the equipment, I was suppose to have  XXXX  more bill it was back to  XXXX  dollars and they used the  XXXX  dollars I paid to pay off the phone amount they say I accumulated. But it did not work so finally I had it down to  XXXX  phone number in  XXXX  and they continued to bill over, I removed all phone numbers, by this time I owed  XXXX  dollars, outrageous. Then in  XXXX   XXXX  a collection agency called convergent sent me a bill for  XXXX , I agreed to pay off because I am so tired of them but the amount kept increasing and I canceled the phones. Forward to now  XXXX   XXXX , the bill is now  XXXX  dollars and they have placed it on my credit report when I have been in contact with them for a dispute about the enormous amount.
Consumer complaint received 2015-07-20
Product: Debt collection — Mortgage
Issue: Communication tactics — Used obscene/profane/abusive language
Company: North Dakota Housing Finance Agency (ND)

I was behind on my mortgage payments I got a call from the company and the lady treated me like garbage asked what I was doing even owning a home I should n't even have bought a home said I did n't deserve a home asked why did I buy a home if I could n't afford it made me feel so bad why would I ever want to talk to them again. Since then I have been foreclosed on kicked out of my house even after I told them I lost my job and was unemployed all they server said was make a payment and a half unroll caught up it was berry frustrating I do n't know if there is anything I can do to get my house back but I just do n't want them to be able to do this to other people.
Consumer complaint received 2020-06-02
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: SYNCHRONY FINANCIAL (WV)

On XX/XX/XXXX at XXXX XXXX easter standard time I redeemed my reward points of {$160.00} to apply to my Synchrony Bank credit balance by my Paypal account. I received an error message that they had encountered a problem and my request could not be completed. That morning I went back to proceed again with redeeming my cashback rewards and all that was showing was {$.00} in my account. I have contacted Synchrony Bank by messaging on their account, by XXXX and have made 5 calls ( 4 to the customer service reps and one to a supervisor ). I get conflicting stories as to what happened to my {$160.00} cash rewards due to me. One said I would have it in one day, another said 3 days, was told 2 months, and finally the superior said it maybe be 1 to 2 billing cycles. No one can tell me what HAPPENED to my cashback only that an investigation had been initiated. They said they CAN NOT see my actual account and to call Paypal. When I called Paypal I was told that they can not do anything about it and I need to contact Synchrony Bank. I keep getting the run around from Synchrony Bank as they definitely do not want to help me at all. I asked them can they not just add my {$160.00} in cash rewards back to my balance and was told NO that they can not see my rewards. Why not as they are the ones who issue the rewards to my account for each purchase I make? I am an elderly person and can not take this undue stress as it has already affected my health to have to deal with this issue. All I am asking for is the cash rewards that I faithfully earned by using their credit card for all my purchases. Every time I have contacted them it is a different story and they are totally scamming me by keeping my rewards. Please help me as I depend on the rewards to pay my credit card bill. I am on a low fixed income and have many health problems.
Consumer complaint received 2016-10-13
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

" Trans Union had a 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 : The inquiries are on my credit report which is attached.
Consumer complaint received 2019-02-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (FL)

MEMO TO : Seterus, Inc. via its legal counsel ; Nationstar Mortgage d/b/a Mr. Cooper FROM : XXXX XXXX XXXX, XXXX. 

RE : NOTICE OF SERVICING TRANSFER dated XX/XX/XXXX of LOAN NUMBER XXXX ( copy of Notice attached to this email ) DATE : XX/XX/XXXX PLEASE TAKE NOTICE that a disagreement exists between me and Seterus regarding the unauthorized charge of {$280.00} that appeared on my XX/XX/XXXX statement. Despite efforts to have removed, Seterus ignored my request and has engaged in its longstanding practice of late fees, etc. during the pendancy of the disagreement. 

As a quick summary of this disagreement, I have copied and pasted the XX/XX/XXXX, email between me and Seterus ' attorneys : From : XXXX XXXX [ XXXX : XXXX ] Sent : Wednesday, XX/XX/XXXX XXXX XXXX To : XXXX XXXX <XXXX> Cc : XXXX XXXX <XXXX> ; XXXX XXXX <XXXX> ; XXXX XXXX <XXXX> ; XXXX XXXX <XXXX> ; XXXX XXXX <XXXX> Subject : Re :  XXXX XXXX , XXXX XXXX, Pursuant to the terms of the Mediation Settlement Agreement, incorporated into the fully executed Modification Agreement ( with the unilateral cramdown of an additional .XXXX  % interest rate ), the new principal balance agreed upon and incorporated into the modified loan paperwork included ALL charges of every nature. 

After timely making my initial payments, the statement from Seterus dated XX/XX/XXXX included an additional {$280.00} that the Seterus rep I just spoke with identified as " legal expenses ''. This is unacceptable as contrary to the terms of the Mediation Settlement Agreement and the terms of the Modification Agreement. I also find the amount suspicious of passing on the cost of the last mediation conference that Seterus was obligated to cover in full. 

Please reply to me explaining your position and let your client know that I am requesting a detailed statement explaining the source of the {$280.00} and a waiver of same pursuant to the settlement of the wrongfully filed foreclosure action. 

Best regards, XXXX XXXX XXXX XXXX, XXXX, XXXX Florida XXXX # XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX ***end of XX/XX/XXXX email*** This disagreement continues and this email serves as formal NOTICE to the new servicer, Mr. Cooper, and my demand that before accepting the balance as accurate on the above-referenced loan, that an accounting be required, that the {$280.00} charge be removed, along with all late fees, etc., and that the account be reset as current, and the payments will resume based on the corrected balance. 



Please acknowledged receipt of this email and your response to my demand by XXXX XXXX XXXX   tomorrow, XX/XX/XXXX. 



XXXX XXXX XXXX, XXXX, XXXX, XXXX Florida XXXX # XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX
Consumer complaint received 2015-08-11
Product: Bank account or service — Cashing a check without an account
Issue: Account opening, closing, or management — 
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH (CA)

I received a check for {$300.00} for a painting I sold to a lawyer. The check was from Union Bank, so I went to go cash the check at a Union Bank. Since I also bank with Union Bank, I know they will cash checks from their bank for {$5.00} fee. I did NOT want him to have my account numbers, so I did n't want to deposit the check in my Union Bank account, or use my ATM card to cash the check with. Everyone at the branch was very rude and refused to cash my check unless I showed them my ATM card. I pulled out my cellphone to record a video of how they were acting and how they were treating me. As soon as I started recording it, they complied and cashed my check with XXXX other forms of ID and took out the {$5.00} fee. 2 weeks later I receive a certified letter from Union Bank stating that because of what happened, they are going to close my account. The check was fine, so how are they allowed to do this?
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (PA)

XXXX XXXX {$4500.00} This company is still reporting to my credit profile and its causing issues with my profile and score this was closed and I will like for it to be removed from credit report effective immediately XXXX XXXX {$1300.00} This company is still reporting to my credit profile and its causing issues with my profile and score this was closed and I will like for it to be removed from credit report effective immediately XXXX XXXX {$650.00} This company is still reporting to my credit profile and its causing issues with my profile and score this was closed and I will like for it to be removed from credit report effective immediately All these account are closed and should be removed from my credit profile
Consumer complaint received 2023-04-15
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: EQUIFAX, INC. (IL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX, has violated my rights. 

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 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose therefore kindly maintain the accuracy and correct it as paid on time.
Consumer complaint received 2022-02-15
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: SYNCHRONY FINANCIAL (NY)

On XX/XX/2022 I initiated a dispute. About negative information/ errors on my credit report. XXXX failed to provide me with the information I requested. As a result of not receiving the original signed credit application for the debt, the cashed checks used for bill payment or original billing statements XXXX allowed the debt collector ( s ) to post a alleged balance/debt as " past due ''. 
( See attached ) XXXX XXXX agency has no original creditor ( s ) noted on my report and this company appears multiple times. 
The debt collector XXXX has NO CONTACT INFORMATION '' listed on the report no phone number only a po box address. 
This is unfair to the consumer because one can not even contact the debt collector. So, I wonder if I the consumer could not contact the credit .how did experian contact them if at all. This could be the reason experian allowed the debt collector to continue posting this alleged debt on my credit report ( see attached )