davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-18
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL (VA)

I originally filed a complaint under  XXXX . The company responded and closed my complaint. I have an issue with their response. In it they advised they reached out to me and informed me of who to contact to try to handle this issue. That is further from the truth. I  received one sing le call from  XXXX   XXXX  who advised me that they received my complaint and I should receive a decision via mail and if I had further questions to contact him at  XXXX  extension  XXXX . I asked  XXXX   XXXX  if they will be able to lower my payments, g o twelve months with no interest, or even a possible settlement, but he advised me he did not know and that I would have to wait for the department who handles these issues to reach out to me. The only reas on he called was to save face that he contacted me, yet offered NO resolution. He provided false information to the CFPB in their correspondence under my last case number since he did not provide me collections, or any information during that phone call. All my information came days later when the CFPB showed their response and attached letter from the company. That phone call was only to let me know they received my complaint and that was it.
Consumer complaint received 2017-06-18
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC (GA)

IN XXXX 2017 I TOOK OUT A LOAN OF XXXX WITH THIS COMPANY DID N'T NO THAT THEY CHARGE A XXXX  DOLLAR FEE IF APPROVED ON TOP OF THE LOAN WITH INTREST. AND FINANCE FEE OF XXXX BI WEEKLY .AND DID N'T SAY ANYTHING ABOUT XXXX FEE IF APPROVED. AND NOW ON THEY WEBSITE SAY THEY OPERATION CHANGE FREQUENTLY. AND THEY BEING USING DIFFERENT LOAN ID TO DEBIT MY ACCOUNT.
Consumer complaint received 2017-07-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (GA)

Ditech set me up on a bi weekly payment plan to help me pay off my loan sooner. I have now found out that they were not applying the first half of my payment until the second half arrived. Thus they were sitting on my payment while my loan was accruing interest. I was lied to about the benifits of the loan an ripped off by this company. Even on my statements it shows amount paid as half but they informed me that is what I paid not what was applied to the loan. This is embezement and I want my money that I am owed. Thanks for your timely response,  XXXX
Consumer complaint received 2022-09-08
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: REGIONS FINANCIAL CORPORATION (TX)

I applied for a Home improvement Loan with ( Regions Bank ) that my contractor XXXX XXXX suggested. The work was supposed to be completed in 2 months. Work started XXXXThe bank paid the contractor upfront for all the work XX/XX/22 XXXX was paid in XXXX XX/XX/22 XXXX was paid an additional XXXX The contractor has not finished the job. The bank had stated that if he didn't finish the job, they would find another contractor to finish the job. I am getting no response from the bank or the contractor. Any help is greatly appreciated.
Consumer complaint received 2017-07-13
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC. (VA)

My vehicle was a total loss and the insurance company paid the entire loan balance except for the late fees. Ally financial told me after the car paid that the late fees would be waived and my account was at XXXX. Ally financial sent me the title to the vehicle. <P/>A month later Ally came back and said they were charging me late fees with a daily interest. From month to month the amount changed they were uncertain the amount of late fees and interest. <P/>In Virginia a company can not charge more than 12 % late fees. They are reporting to the credit bureau and I feel they are incorrect. Ally stated that they sent the title to insurance company and not to me. However their office also stated that they title should n't have been released if there was any kind of balance remaining on the account. Once I received the title, lien release and the letter my account should be at a XXXX balance.
Consumer complaint received 2018-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MO)

XXXX XXXX has reported a 30 day late payment forXX/XX/XXXX on my credit report. The account is always due on the XXXX of the month and I 've paid it every time since opening the card in XXXX. As usual I entered a payment online before the XX/XX/XXXX due date using XXXX XXXX 's website. I believe the system had an error and did not process my payment. I was unaware until I saw the late payment on my credit report. It was a small payment and I always pay at least the amount due. The limit on this card is {$500.00}. My name is XXXX XXXX.
Consumer complaint received 2021-08-13
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Diverse Funding Associates LLC (CA)

To whom it may concern, I was sent a packaged back in XXXX from an associate/lawyer from DNF Associates LLC back in XXXX. I sent them a letter letting them know that I responded to the credit bureau about DNF AssociateXXXX truing to collect {$14000.00} in fees from an account that was sold to them from XXXX  XXXX. They want me to settle in court in the city that I live in. I am in XXXX, CA truing to help my daughter with her second set of XXXX, plus her husband is having rXXXX XXXX XXXX XXXX XXXX. My ex-husband called me to let me know I was summoned to appeal in court to settle the debt. The handwritten envelope, he sent me some of the package document. I can not affords to pau and old debt that was sold to them. They are the fourth company that are trying to get the remaining {$14000.00} plus court fees from a debt that on my credit report was reported as a settle with ... I contacted the credit bureau, not once but three times about LLCs companies trying to extort the remaining balance of a loan I had and they bought for way less or bargained for. I am not in any position to be paying off an old debt that they bought and trying to settled for what the original loan was for. It was deceptive of them to try and collect money in a crisis time that we are living in. I am a divorced mom and my son and I are making it from pau check to pau check. I am trying to get my credit score builds back up. 

As of today, I am at a XXXX and hope to build it to a XXXX by the end of XXXX. Why now? Why are they asking me to appear in a Superior Court in the city that I live in. I am an instructional aide and I can not just take off to work out or make a deal from a old loan that was passed down from four different collection agencies. The last LLC, I had to assist the help of the CFPB because XXXX and XXXX were swindling me and I could not take it. I was threaten with my credit score being affected and wages being garnished. But, this time the DNF Associates is not including the amount I owe, but they want me to appear in court to negotiate a settlement. What can I pay them? I get paid once a month and it is my son and I. I am trying to do the best I can to survive and I do not need any other headaches and stressors that are going to make my XXXX and XXXX XXXX flare up. Again, why are DNF Associates coming after me now? These 15-28 pages of trying to retrieve a debt that was sold four times and it did not cost them {$14000.00} or {$16000.00} to purchase the debt. I need to help on where I stand and why are they coming after me during the Corona Virus Pandemic XXXX? I am broke! I am a XXXX XXXX, not a XXXX  or a XXXX XXXX. My monthly paycheck is at the end of the month. After my monthly expenditures and my sons contribution, my check is gone. I ride the public bus from point A to point B. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX
Consumer complaint received 2021-08-13
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: ROYAL UNITED MORTGAGE LLC (NJ)

XX/XX/2021 for {$490.00}. This company promised to fund me loan after about 4 months of process. They fraudulently charged me {$490.00} for appraisal which I never approved nor negotiated with the seller. When I informed them that they wrongfully charged me and that my contract is for another property, they promised to adjust the amount on the mortgage loan towards the correct property, and charged me another appraisal towards the new property on XXXX XX/XX/2021. They provided a commitment letter and informed our attorneys that our loan has been approved based on which we set our closing date for XXXX XX/XX/2021. After 4 months of process, and a few days before closing, they said they can't give us the loan cause they made a mistake and were negligent in their process. They misrepresented us, fraudulently charged us for 2 appraisals, been negligent and purposefully delayed our loan, breached the commitment letter after setting a closing date. Request for refund of XXXX or give the loan as promised and approved. Thank you.
Consumer complaint received 2017-06-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (LA)

On XXXX XXXX 2017, I opened a business account with Bank of America. Initially, everything was going fine. They sent me a welcome email on XXXX XXXX 2017 and they let me know that my business debit card was coming in the mail. On XXXX XXXX 2017, I tried to activate my new business debit card and it said the card could not be found. I spoke with a customer service representative and they told me that my account was closed. I asked why it was closed and all she would say is that " it was a business decision. '' I asked to speak to her superior and she told me that I could but they would tell me the same thing. When I spoke to her superior, I was told again that my account was closed and she did n't have to give me a reason why the account was closed but it was on page 2 of my contract stating that they could close the account at any time. I told her I 've never received any contract and I could not find any information stating this information. I filed a complaint with the Better Business Bureau on the same day. On XXXX XXXX 2017, I received a call from XXXX XXXX and he stated he was with the Complaints Department with Bank of America and he received my complaint from the Better Business Bureau and he wanted to know what happened. I told him what happened but something about this guy did n't sound right with me. He told me that he would look into the matter and get back to me as to why the account was closed. What I could n't understand was he was able to pull up my information in his computer yet he could n't see why the account was closed? I grew more suspicious of XXXX XXXX and thought this guy is going to come up with some sort of lie as to why the account was closed which to this day, there 's no reason for at all. The next day, I received a packet in the mail from Bank of America welcoming me to their bank and issued my bank account number. I called XXXX XXXX and told him that the customer service representative on the phone expressed to me that I would not be receiving this packet in the mail because the account was closed, yet I received it. All this guy could tell me was it was already sent off and they can not control when the packet would arrive at my house but he would get back to me no later than XXXX XXXX 2017 which he said was on a Monday. When I looked at the calendar, it falls on a Saturday. These people are going around the world and back to come up with a lie as to why they closed the account and no one ever gave me an honest answer. I 've since learned through reading complaints about Bank of America that this has happened before where they 've closed people 's accounts for no reason.
Consumer complaint received 2024-01-21
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Block, Inc. (TX)

I had an active XXXX XXXX account for many years until mid last year. My account was suddenly closed and all my money in the account returned. I tried to call and see what I could of done to have this happen to me and then and since then they just say I violated their terms and conditions but do no explicitly say how and why and what for. I have since tried to get another account but they are illegally storing my info in their system because I asked back in XXXX for it to be deleted but unknowingly because when k try to re sign up it says my email address and phone number are blocked.
Consumer complaint received 2022-02-16
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: Experian Information Solutions Inc. (IL)

As a federally protected consumer, I am aware that you lack legal standing ; you can not hire an attorney to represent you. I will seek default judgment, and you will join a class action lawsuit seeking damages for violations, stress, and XXXX XXXX, as well as at least 1 % of the company pursuant to TILA 1640 OR ANY OTHER AMOUNT OF DAMAGES PURSUANT TO XXXX
Consumer complaint received 2018-01-22
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: Experian Information Solutions Inc. (NJ)

Credit card was opened by XXXX XXXX XXXX XXXX in XX/XX/XXXX. Fraudulent activity took place on the card for approximately {$130.00} in XX/XX/XXXX. Charges were disputed with XXXX XXXX XXXX XXXX and was assured that late payments / delinquencies etc would n't be reported on the credit history because of fraud on the account. 

Credit card charges in the form of late payment / delinquent account still continue to appear on the credit report even after more than 120 days. 

Investigations of the disputed account by all 3 credit bureaus namely Experian, XXXX and XXXX  suggest that the reporting is accurate and have n't corrected the situation. 

Since, the dispute with the credit bureaus have n't yielded much success the FICO score has dropped significantly resulting in denial of credit.
Consumer complaint received 2017-06-16
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. (NV)

In  XXXX  and  XXXX  my social security number was use to file income tax and I also have over  XXXX  inquiry on my credit report which causes  my credit score to d rop drastically
Consumer complaint received 2018-01-14
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: EQUIFAX, INC. (GA)

I have sent in multiple letters to this company regarding verification of this debt and have n't received proof of debt nor a contract The credit bureau continues to input this account on my report as verified and I do n't have any proof nor does the company have any contract with me i have sent certified mail to this company requesting proof and no response this is ruining my credit i would like the credit bureau to remove this inaccurate information Account : XXXX XXXX XXXX Amount {$500.00} Date : X/XX/17
Consumer complaint received 2017-06-17
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: HEARTLAND PAYMENT SYSTEMS INC (WA)

I attended XXXX University for XXXX school and have a private loan through the university that is serviced by a third party lender, XXXX XXXX. In XX/XX/XXXX, I made an early payment ( usually the loan is due the XXXX of each month ). I did not realize that the payment ( which I received electronic billing ) went all to principle. A few days after the XX/XX/XXXX, the university financial office called to inform me that I had fallen behind in payments. I have made payments every month on time since it has come out of the grace period from graduating residency. I immediately made my XXXX payment - which finally was applied to the " bill '' which had the loan interest included. XXXX rolls around, and I try to pay with electronic account from my checking. It is understandable that I could have made an error once with punching the numbers in. That particular payment was not processed. I tried again to make a payment online with direct checking numbers - and again, it was not processed. I had been paying with this account for every month prior. I finally called on XX/XX/XXXX to make a phone payment - which by the way is a {$10.00} transaction fee. If you use a credit card or your debit card, then it 's XXXX dollar fee plus a 3.75 % interest fee on top of that. So I make the phone payment after talking to a representative from XXXX telling her it was for my XX/XX/XXXX bill. Now my university again calls me - on XX/XX/XXXX - stating I am late on my XX/XX/XXXX payment. I log-in to my account and much to my chagrin, the lady who applied my payment on XX/XX/XXXX for a XX/XX/XXXX bill - APPLIED IT ALL ON PRINCIPLE!!!!!! Why would I apply a bill payment to principle that is due IN ONE WEEK? I asked to make my payment for XX/XX/XXXX to the lady at XXXX  - either this is intentional and a scam to make additional late fee money - or this employee and subsequent company is one of the most inept businesses/lenders.
Now I am being harassed by my alum/institution for a payment that was never late. I 'm glad I went to school all these years to XXXX XXXX and be raked over the coals by my institution and their inept third party lender.
Consumer complaint received 2018-01-15
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Resurgent Capital Services L.P. (MI)

yes XXXX XXXX takeing XXXX ssi tax money {$660.00} leave her with {$0.00} 9 years should been charge off this fraud garnishment XXXX michigan treasurey now she was asking {$710.00} court cost no way. her her address XXXX XXXX XXXX XXXX mi XXXX phone number XXXX
Consumer complaint received 2021-08-13
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: Lentegrity Management, LLC (CA)

I have seen unauthorized items on my credit report that I did not authorize this is a form of identity theft someone is applying for things in my name can you please resolve this issue. 
XXXX XXXX XXXX XXXXXX/XX/2020 LENTEGRITY XX/XX/20XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2019-10-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (NJ)

Discover Card Services fails to promptly process and post on account timely cause late fees. Payments are posted 14-16 days beyond the due dates. I make payments 10-15 day in advance of the due dates. I am requesting the Agency investigate Discover Card Services payment process habits. I believe this legally tactic is being use the fraudulent enrich this company by there actions. This is not the first time this has happen, it happened on three other occasion in which payments are not promptly process and posted on the account cause numerous late fees. Discover Card Services fails to promptly process and post on account timely cause late fees. Payments are posted 14-16 days  beyond the due dates. I make payments 10-15 day in advance of the due dates. I am requesting the Agency investigate Discover Card Services payment process habits. I believe this legally tactic is being use the fraudulent enrich this company by there actions. This is not the first time this has happen, it happened on three other occasion in which payments are not promptly process and posted on the account cause numerous late fees. 
We request the Agency investigate the postal marking on the envelops. Request the late fee be removed and credit on our account.
Consumer complaint received 2017-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Innovis (ME)

Information in regards to XXXX XXXX XXXX is inaccurate. As per documentation received from XXXX XXXX XXXX, as well as the OCC, this account is reporting incorrect, as far as date of last activity, etc. XXXX XXXX XXXX states the date of first delinquency as XX/XX/XXXX, yet my credit files has an earlier date of delinquency, dating back to XX/XX/XXXX. The bank is stating information within the body of my credit reports are " accurate '', yet I have found major discrepancies.
Consumer complaint received 2017-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CO)

I applied for a personal loan, not a title loan, exactly once. I informed the representative who contacted me that I never applied to use a vehicle as collateral and that I was not interested. Now, I see no less than XXXX XXXX XXXX hard inquiries on my Experian credit report alone. <P/>Frankly, I did n't even authorize the type of application they ran the first time, let alone XXXX more times. <P/>Experian claimed it was only able to remove XXXX of these inquiries and suggested I contact you.
Consumer complaint received 2018-02-01
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. (GA)

On XX/XX/XXXX I submitted a complaint here bc I had been working to have XXXX, XXXX and TransUnion correct a few errors on my credit report for over a year. None of the bureaus sent the requested proof from the investigation that they claimed to have done. The accounts was removed from my account on XX/XX/XXXX. However, this same account ( XXXX XXXX XXXX ) has reappeared on my credit report as of XX/XX/XXXX. XXXX has this account reported twice on my credit : one in the amount of {$210.00} and another one that shows {$130.00}. TransUnion and XXXX  have this account in the amount of {$130.00} as a collections account. 

As stated in my initial complaint on XX/XX/2017, I do NOT owe any collections to XXXX XXXX XXXX. I am still an XXXX XXXX XXXX customer and have been for over 11 years. 

I have contacted all three bureaus asking for the same proof of these collections accounts and I've yet to receive it. These bureaus are allowing bogus collection companies to put erroneous information back onto my credit profile AFTER it's been established that it is not a valid debt that I owe.