davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-14
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (IL)

On XX/XX/2019 I decided to pay off some credit card balances to help my credit score. I paid 3 total balances including my TJMax credit card. Then about a month later I notice my credit score went down due to a credit card being closed. I was notified that my TJ max credit card was closed because they decided they no longer wanted to give me a credit line. I called them immediately they explained that they decided to no longer give me a credit line after I had paid the balance off because they had the right to do so. They didn't try to help me and refused to re-open my card and damaged my credit. I am very upset because I chose to pay this off to help my credit not to effect it negatively. My payment history with them has always been on time.
Consumer complaint received 2016-01-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PHH Mortgage Services Corporation (VA)

I am behind on mortgage payments to PHH Mortgage. I am in the process of refinancing and requested that the company accept 2 months payments to avoid foreclosure. I have spoken with several agents via phone who refused to process anything less than 3 months worth of payments. In fact, they threatened to return such payments if they were sent. I have sent 2 months of payment ( XXXX x {$1400.00} = {$2800.00} ) in USPS money orders with the following serial numbers : XXXX and XXXX - for XXXX 2015 XXXX and XXXX - for XXXX 2015 These were sent via certified mail : XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-06-12
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company (NC)

We had a fixed rate VA mortgage until Freedom Mortgage bought out our mortgage company, then they raised our interest two or three times. We swallowed the raises at that time, but no more! Now we payed off our mortgage and have had multiple problems. 
On XX/XX/XXXX we got a payoff statement of a figure of {$1100.00}. We sent the check on XX/XX/XXXX, and they cashed it on XX/XX/XXXX.

On XX/XX/XXXX we got a check for the escrow money, which should have been {$210.00}, but the check was for {$130.00}.

Every time we called them between XX/XX/XXXX and XX/XX/XXXX, they said we still owed them money. However, when they checked into it, they said it had been posted wrong on their end and we were correct. Now they deducted their error from our escrow check.

The escrow was to pay any taxes and insurance, however, we have been paying our taxes and insurance separately. At the end of each year they would send us a check to cover our payments.
Consumer complaint received 2019-05-14
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: GOLDMAN SACHS BANK USA (UT)

Hi, I have been generally satisfied with my Marcus by Goldman Sachs savings account. I ran into an issue on the morning of XX/XX/2019when I attempted to transfer funds from my Marcus account to my regular usage account with another bank that I regularly transfer money in and out of via phone call with a Marcus rep. The reason I had to call was because it was a large amount of money that I needed available for buying a house. I called, was treated well, and the transfer was established. I was told it could take 1-3 business days ( call was  on Tuesday, Reasonable to arrive in my account by Thurs/Friday ) which would have been in appropriate time for closing on my house. On Thursday, XX/XX/2019, I check my accounts and there was no transfer, no pending transfer showing in either account. I decide to call in as something is clearly wrong. I am told by the rep that I had canceled the transaction. I verified with the agent that I had done no such thing. The rep apologized for the mistake and processed a wire transfer which caused me to incur a fee with my receiving bank. Marcus refused to reimburse me {$15.00} for the wire fee. The wire was required because of a mistake Marcus made. I was redirected to a " supervisor '' and was treated poorly. The supervisor acted as if I was lying about never canceling the original transaction. They went through the notes on my account and confirmed multiple times that I had never spoken with an agent after my initial establishment of the transfer. The supervisor claimed that I returned a call about the transfer and was verified by their rep. I vehemently explained that I never called in and confirmed the account I was transferring to was a regularly used account with my Marcus account. I asked about how they could have verified someone claiming to be me and asked if they were going to have this reviewed by their fraud team. The supervisor confirmed that she didn't think it was fraud so, no. This is unbelievably ridiculous at this point. I, as a verified client, am confirming I never made a second call on XX/XX/19 and never spoke with the rep they claimed I did, and they won't investigate for fraud! The wire transfer went through and I was charged a fee. I called back and reached a different supervisor who was a little more helpful. This call was made XX/XX/2019. The supervisor said he would credit me the wire fee of {$15.00} and would have the fraud team review and reach out. Today is XX/XX/2019, I have not been credited and have had no outreach from a fraud team with any update on my case. This is incredibly poor client support. I can't believe I had to fight so much with the supervisors to be credited {$15.00} because of an error by the XXXX when I keep thousands of dollars with this bank. I am near to closing my accounts and advising every person I recommended this bank to do the same.
Consumer complaint received 2020-07-13
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. (AR)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report as soon as possible. I have already taken action to prevent anyone else to try and open anything under my social security.
Consumer complaint received 2020-07-13
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. (AR)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report as soon as possible. I have already taken action to prevent anyone else to try and open anything under my social security.
Consumer complaint received 2021-11-26
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: CITIBANK, N.A. (MI)

Citi bank has opened an credit card that I did not open, they did no diligence in verifying address 's that i have never lived at or near. opened the account and added the address to my bureau and have not worked to remove and close said account in a timely manner
Consumer complaint received 2019-05-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP (AZ)

On XX/XX/2019 I opened up this U.S. bank checking account with the promise of a {$300.00} opening bonus using this link https : //www.usbank.com/checkingbonus2019/. I used promo code XXXX. Months later I became aware of an issue regarding this promotional offer via a popular banking blog website. US bank has documented records of the wrong code being applied to accounts during the morning of XX/XX/XXXX. I have been in contact with multiple bankers at USBANK that have said they fixed the promo on my account and have corrected the issue as well as XXXX XXXX. who says I did indeed meet the requirements for the bonus. Nothing was fixed and I have screenshots of the website as I applied for the account and screenshots of the popular blog website discussing this error that effected many others.
Consumer complaint received 2024-03-21
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

To Whom It May Concern, I am writing to formally file a complaint against Capital One Auto Finance for violating the Fair Credit Reporting Act ( FCRA ) by continuing to report late payments on my closed and charged-off account. This action infringes upon my rights under the FCRA laws and demands immediate rectification to comply with legal standards. Capital One Auto Finance ongoing reporting of late payments post-closure and charge-off of the account directly contravenes the FCRA laws, particularly Sections 623 and 605. Under Section 623, it is mandatory that the information reported by creditors to consumer reporting agencies is accurate, complete, and updated. The continuous reporting of late payments after the account closure violates these stipulations. Moreover, Section 605 requires accurate reporting of the account status, and the reporting of late payments on a closed and charged-off account is misleading and inaccurate. Furthermore, the issuance of a 1099-C form signifies that the debt was charged off and written off, thus releasing me from the obligation of repayment and making me tax liable for the XXXX debt. Under the FCRA laws, this XXXX of debt should be reflected in the credit report accurately. Capital One Auto Finance reporting of an inaccurate balance post-charge off constitutes a violation of the FCRA, specifically Section 605. In light of the aforementioned violations, I demand that Capital One Auto Finance take immediate corrective actions in compliance with the FCRA. This includes : 1. Ceasing the reporting of inaccurate information on my credit report, specifically late payments on a closed and charged-off account. 2. Stopping the reporting of an amount owed that is no longer valid due to the charge-off and issuance of the 1099-C. XXXX. Either reporting an accurate XXXX XXXX XXXX XXXX XXXX  balance or removing the accounts completely from my credit report in line with FCRA regulations. Failure to comply with these requests will compel me to escalate this matter to the appropriate regulatory authorities to ensure adherence to the FCRA laws. I expect a prompt response acknowledging receipt of this complaint and detailing the steps Capital One Auto Finance will take to rectify the inaccuracies on my credit report.
Consumer complaint received 2022-10-05
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: GOLDMAN SACHS BANK USA (NY)

About 3 years ago, I opened up 4 CDS with Marcus by Goldman Sachs. When it came to maturation of the first threee that expired, I was notified in advance as per their policy. I chose to NOT roll them over. 

However, when ir cames to the last one that had the longest duration ( 3years ). I was never notified 30 days prior as per policy. I forgot! Instead, I received email confirmation that it was rolled over on the XXXX of XXXX. 

The first representative I reached out to alluded that I was not notified and stated that I received monthly statements to that effect. I was told that someone would get back to me in 2 business days. No one did. 

I reached out again. This time the representative claimed I was notified as per notes on her screen. When I requested transcripts of the email be sent to me she deflected -- I promised to drop my complaint if there was evidence of notification via email. 

I was informed in all cases that I would have to be assessed an early penalty. This is not right. It was their fault. 

I believe it was all done deliberately. They had observed I was not renewing. ( I wanted to take advantage of subsequent Fed Rate Hikes. ) It represents a breach of contract and is shady.
Consumer complaint received 2019-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC. (PA)

XXXX XXXX  XXXX & midland funding dont match. photos attached XXXX XXXX  -- last payment XX/XX/XXXX trade line shows XX/XX/XXXX account closed XX/XX/XXXX midland funding got collections XX/XX/XXXX why long wait from XXXX XXXX  to midland? 
re-aging on both parties? 

2 credit shows open, one shows closed and not in collections which is correct
Consumer complaint received 2019-05-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

I have XXXX USD in form of International money order, issued by XXXX XXXX XXXX XXXX, ( copy of the first and the last cheque attached ) I send some of the Cheques for collection, ( through my bank account ) part has been collected, Two returned refer to maker, and two returned counterfeit. 
I can not understand, the cheques are in a cerial numbers means started from XXXX ended in XXXX ( 500 cheques x XXXX USD = XXXX, the second group started XXXX ended XXXX ( 500 cheques x XXXX USD  = XXXX USD  ), of course I have to pay the fees of the returned cheques to my bank. 
What will happen if I send all the cheques for collection. and what shall I do, and who is the maker I have to refer to?
Consumer complaint received 2020-07-13
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. (MS)

This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible.
Consumer complaint received 2019-05-31
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Selene Finance LP (CO)

We closed our mortgage with Selene Finance when we sold our home on XX/XX/XXXX. We had an escrow surplus of approximately {$2100.00}. When the 30 days had passed that we shouldve received the check from them, we called and they claimed they sent the check to the wrong address and that they were canceling and reissuing the check. They said we would have it by XX/XX/XXXX. When that date passed we called to ask where the check was. They then said the account had been charged with miscellaneous fees on XX/XX/XXXX ... the fees are not described, and they were placed on the account two and a half months after the account was closed.
Consumer complaint received 2020-07-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (AZ)

My mortgage was transferred to Select Portfolio Servicing ( SPS ) earlier this year. At the time we were behind a month, maybe two, but we had continued to make payments to keep it from falling further behind. During that time payments were applied within 24 hours. 

During the pandemic we asked per federal guidelines and from XXXX XXXX ( who guarantees our mortgage ) for a forbearance as our business had slowed drastically. SPS then sent us a letter stating we would have a balloon payment, in contradictions with guidance from the CARES Act and XXXX XXXX. 

During the forbearance period we continued to make payments to catch up our loan. In XX/XX/2020 we made two mortgage payments at one time, this is when problems began as it took numerous contacts to have SPS apply the payments. On XX/XX/XXXX we made another payment which has yet to be applied to our account. We have also made an additional payment on our account as of XX/XX/2020 which also still has not been applied. If all payments were applied we would be current in our mortgage at this point, we have made contact with SPS a minimum of 6 times via phone call or email to get this resolved. We continue to get excuses. 

SPS is also beginning to add inspection fees and other fees to our mortgage which is in violation of our mortgage agreement that was transferred to them this year. They can not change our legally signed loan document without our consent which they did not get. 

SPS also settled with the US Attorney 's office of Maryland and the FTC for this similar behavior but continues to abuse the people with the same tactics.
Consumer complaint received 2024-03-21
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SANTANDER HOLDINGS USA, INC. (TX)

The car I had with this company was a total out car. The insurance company I had and the gap coverage that was on the car paid the vehicle off. It's a closed account, so why are they still reporting on my credit? I don't owe them anything. The insurance company and Gap paid what I owed on that car.
Consumer complaint received 2021-02-26
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MN)

This began last fall. I have USAA for checking, savings and insurance. I used to get a text message when they noticed something possibly awry. Last fall that stopped, XXXX, I believe. They saw something they thought suspicious, sent me a text which I never got, then deactivated my card, which I found out at a store the next day. I called, found I could not register my phone, they use a XXXX digit short code. I worked with my phone carrier and verified I can receive short code messages, no numbers are blocked. I have spent more than XXXX  hours on the phone with USAA. They keep telling me they can fix it, last call was XXXX weeks ago, I was supposed to hear back, never did so I called today. They closed the ticket as resolved, they've done that before too. It is NOT resolved. The representative tried to send me a text and couldn't, that is not resolved. Had me switch to other methods but all XXXX involves a text message which I can not get from them. I have to use email, that is NOT convenient. I've more than {$70000.00} sitting with them and I NEED to be able to get text messages. This latest representative said she'd reopen a ticket and in the process of doing that, disconnected and never called back. So I searched these problems with USAA and found your process. I'm going to file a XXXX complaint too. I may well move my money to a bank that actually cares about their customers.
Consumer complaint received 2020-07-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bull City Financial Solutions, Inc (NC)

To Whom It May Concern : I have recently been informed that there is negative information reported in the files you maintain. I challenge the accuracy, compliance and reportability of ALL accounts I have with you at any or all bureaus. I have sent many disputes to this company and you have FAILED to provide me any signed agreement that I have with YOUR company, Bull City Financial. This is about  proving I have a contract with YOU regarding the debt. What relationship have I agreed to with you for you to have the right to request these funds from me?

There is no valid claim, no contracts exist. You reporting that I owe you money is a grave error and you are making a false claim! I want this account removed immediately or litigation may follow. You should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy
of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay BULL CITY FINANCIAL the alleged amount that you are seeking in all accounts you have with me.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting.

BULL CITY FINANCIAL must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which you can not prove that I a
m REQUIRED to pay or that i have any sort of agreement with you concerning this debt. Please be advised this is against F.C.R.A. law and is a violation of my rights.. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking { {$1000.00} } per violation for : 1. ) Defamation 2. Fraud 3. ) Violations of the Fair Credit Reporting Act.

Also please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
Consumer complaint received 2020-07-13
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX  has made super hard the process if paying off my XXXX Credit Card for my business XXXX XXXX XXXX XXXX as of today and after calling XXXX I was able to pay XXXX average balance in the card. 

I have reach to XXXX excutive office trying to let them know of the situation as they have report to my personal credit due the fact that i was added as a co guarantor something i didnt know but they sent their agreement on the card so i have no option. 

I has no able to pay the card before because we are on the Music Industry and our business has been close with zero income, i am on the middle of moving and this negative reporting on my personal credit is hurting my avility of seeking for a new apartment as my credit score is super low since there is a negative reporting plus a over utilization on my cards, i was neither able to get approved for the SBA loan since my credit is bad due to this, this is the first time i ever been late in a payment and i am trying to seek the XXXX XXXX  to understand the situation and knowing that the business has take care of the FULL balance by paying over the phone and the Confirmation is XXXX i will like for XXXX to remove the reporting on my personal credit as i am no any longer responsable for debt as there is NO debt any longer