davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IN)

I have discovered inaccurate information on my credit report. I am informing your company the error in my credit report and request to delete the error immediately. The bankruptcy remarked hurt my credit report and might decease my credit score as well. Here are the details : XXXX  XXXX Bankruptcy Reference Number XXXX
Consumer complaint received 2015-03-23
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I wanted to receive my free annual credit report online. Went to annualcreditreport.com and chose TransUnion as the company to receive my report from. This transferred my request to the TransUnion website where I could only get my report by PAYING {$1.00} for the report and score. {$1.00} is not much but I do not want to give out my credit card information as it has been compromised several times, so I could not use the website. Called TransUnion customer service. They said I could use the phone service ( having to give my Social Security number over a cell phone, not secure either ), or write. If TransUnion will not give the free annual credit report online, then that should be noted via annualcreditreport.com. I believe TransUnion is making it difficult to get a free credit report on purpose. Please investigate.
Consumer complaint received 2015-08-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have requested the credit bureau to remove all derogatory credit reporting in reference to student loans that had been intiated by XXXX online division. I have made this request based on the federal lawsuit that has been filed against XXXX parent company XXXX. The lawsuit accuses the school of fraud. I submitted the court case to the credit bureau and have requested XXXX provide all supporting documents such as promissary notes. XXXX has neglect to do so and all XXXX credit reporting agencies investgated this as identity theft. This os a deliberate misrepresentation of my dispute.
Consumer complaint received 2015-06-25
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (AZ)

I have incorrect information on my credit report indicating that I missed payments on a home loan XX/XX/XXXX. I sent in a document from the loan company supporting my claim but the only change was they added a XX/XX/XXXX report as well. I received nothing from Experian. The incorrect information is still part of my credit report.
Consumer complaint received 2020-07-12
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Paypal Holdings, Inc (FL)

On XXXX I made a purchase with XXXXXXXX  using my Venmo card. I received an email this morning XXXX, stating that my account was frozen, due to insufficient funds for my purchase of {$11.00}. I traced it back to the XXXX purchase. 
I contacted Venmo customer support and was informed that I AM responsible for the declined purchase, even though the funds were in my account at the time of purchase. I was informed that normally after 8 days of a held payment, that Venmo refunds the amount, WITHOUT cancelling the purchase, and WITHOUT informing the consumer. I'd like to mention that it was 3days they held it before returning it to me instead of the 8 )  .nSo I inadvertently spent the payment I was unaware was " returned ''. *There is nothing in my transactions that even shows the purchase now, nevermind the return* Customer service told me I'm still responsible for the transaction even tho I wasn't wrong, and that my account will remain frozen ( and unable to close ) until I repay them for THEIR mistake. I was repeatedly informed that this was a final decision, and basically they can do whatever they want. 
I have unlinked my banks from Venmo, and am so upset that this is falling to me, who was unaware anything was wrong in the first place. I'm attaching my transcript with customer support. She agrees with me completely, but says the responsibility falls on me anyways. 
Thank you for your time and help in this matter, XXXX XXXX
Consumer complaint received 2022-08-15
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: SYNCHRONY FINANCIAL (CA)

On XX/XX/XXXX I contact Synchrony via phone to request that my CD be closed and acknowledged that an early withdrawal penalty would be assessed. On XX/XX/XXXX, the account was closed and transferred to a new account as requested. 

I accessed my account online to document the amount of interest paid and the penalty amount for my financial and tax records. I noticed that this information was missing from the account history and that the running history balance goes from {$70000.00} to {$69000.00} without any transaction in between. The difference of {$220.00} is probably the interest paid and penalty assessed but without these being detailed in the transaction history, Im unable to determine and have no written record of it. 

I contacted Synchrony Bank at their XXXX number several times and could not obtain a response. The customer service representative made some manual calculations and provided an amount of {$10.00} interest and {$210.00} penalty but this info doesnt appear to be correct to me as the penalty amount of 6 months would seem to be higher. I asked that this issue be escalated on XX/XX/XXXX and a case # was provided to me ( XXXX # XXXX ). I was told I would receive a response in XXXX business days. I did not receive a response and proceeded to follow-up with several calls after that in which I kept being told that the issue was resolved although the account history was still missing the transactions. 

On XX/XX/XXXX I contacted the bank using the Contact Us form online and explained again what the issue was. On XX/XX/XXXX, I received a reply asking me to contact them via phone, which I did on XXXX/XXXX, only to have the customer service representative repeat that the issue was resolved. I asked to speak with a supervisor and was transferred to a person named Ever. I asked Ever to provide me with a written response via email or otherwise indicating the amount of interest paid and the amount of the penalty assessed but she said they couldnt do that either. I told them I would escalate this issue to their regulator and then she said to give her a couple of days to talk to her manager who would return the next day. 

Today, XX/XX/XXXX I received a voice mail from Ever asking me to call Customer Service. She was not available but I spoke to XXXX, a manager who said the bank would pass the recommendation that the history be corrected to the proper channels. When I asked for the information regarding interest and penalty amounts, I was told I would not receive anything in writing until a 1099-INT is issued for the account in XXXX. 

Synchrony Bank has been unable and unwilling to provide important account information that is missing from the system of record that I as a consumer rely on for accurate information regarding my account. This is unacceptable for a bank that I trust with my savings and undermine the trust that I placed on an FDIC insured bank. There is no reason why the bank cant send me a message or a letter detailing these amounts.
Consumer complaint received 2022-08-15
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Cheadle Law Firm (TN)

Attorney XXXX XXXX XXXX filed a lawsuit and obtained a judgment against me, and is requesting a garnishment on my pay for a debt that is past the statute of limitations. 

The loan date was XXXX, in the state of Tennessee statute of limitations is 6 years, I was served in XXXX XXXX which is exceeds the statute of limitations by almost 1 year ; with a court date that was past the statute. XXXX XXXX XXXX on the date of court and was unable to attend to argue my case, and now they have a judgment out for it. 

When I spoke with the representative with the attorney office and she stated the date of loan being XXXX I expressed this was all done after the statute of limitations and she stated oh well you can dispute it but the judge approved the judgment.
Consumer complaint received 2015-08-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

This policy was paid in full. I moved on to another company and they are overcharging me almost as a penalty for leaving them. I want this removed from my credit as this is not a valid balance due. They are trying to make me pay for insurance that I did not use and I consider this a false claim. I want it immediately removed from my credit.
Consumer complaint received 2022-02-07
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (FL)

I have tried to email XXXX several times and i have never received a response to my emails nor did they acknowledge that they received it nor have a received anything in the mail from them I am filing this complaint violation of my privacy rights.
Consumer complaint received 2022-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

I been disputing wrong personal information on my credit report there's alots off different names all misspelled my address show 's up incorrect there alot misinformation about my self accounts and for months I been trying to get it fix I been turn down because off my credit report.experian, XXXX, XXXX,
Consumer complaint received 2015-06-15
Product: Payday loan — 
Issue: Payment to acct not credited — 
Company: Delbert Services (OH)

I took out a loan with Westen Sky and it was immediately sold to XXXX XXXX and then ended up with Delbert Services. They never took out the payment on the date they stated. It always took longer and ended up costing me in overdraft fees, etc. 
I have been called by several companies claiming to collect for Western Sky and Delbert Services, etc. They all threaten and call friends and relatives with threatening tones.
Consumer complaint received 2015-09-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I was sued for XXXX and appealed it. We went before another Judge and she set the plaintiff 's award at XXXX which was paid at the clerk of court in XXXX county N. C. on the date that it was to be paid. I called the clerk of court after seeing that there is no record of me paying it and she told me they did not report the judgements in any way. I am confused and would like to know who did and why they have not shown that it was paid. I want it removed. XXXX XXXX XXXX
Consumer complaint received 2020-10-16
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TN)

I am extremely furious and I pray that you can help get this letter to the bureau. I've sent numerous letters and was never notified of the results. The dates are XXXX and XX/XX/2020. At this point, its been over 60 days. I'm pretty sure that this violates my consumer rights!!! CFPB Please help with this issue!!!! I have the FTC following responses closely.
Consumer complaint received 2016-10-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

The company XXXX sold my account to a collection agency by the name of XXXX, XXXX ( XXXX XXXX XXXX ) and I paid the account off through that agency on XX/XX/2016 in the amount of {$240.00}. XXXX XXXX has updated that info and removed it from my credit report while XXXX refuses to update the account nor remove it. I have spoken to reps with XXXX and they wont even listen to me. This account needs to be updated in their system and also removed from my credit report just like the company that they sold my account too.
Consumer complaint received 2022-08-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (GA)

This company is charging lates fees and accessing them in the total balance due but not adding the amont applied to fees. They are continuelous adding to the late fess but never taking off payments. Instead, they are applying what they call " Extra amounts '' to the principal balance which is crazy. 

With each late payment the fee is 5 % of the total due which is anywhere from {$8.00} to {$12.00} that show on my account. When a payment is made, they are NOT covering the fees and instead adding to the balance and amount due, thus making you pay more in the end each month. 

I was behind one month on my payment but the late fees show {$240.00} which is not 5 %. 

They have basically never added any payment where they have listed late fees to the actual fee. I have attached a chat transcipt between one of their employees and myself where they could not tell me why the amounts paid are not covering whats listed on the bill in full. Also attached screenshots from the website that show late fees added and which months and where I have made payments where they were not covered which is why the late fee balance is so high. 

Magiclly i could not access my statements online but I have requested those from then as well. You can see from the chat transcript.
Consumer complaint received 2016-09-15
Product: Credit card — 
Issue: Late fee — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I am a trans* person who had a credit card with BofA. My BofA checking/savings ( c/s ) acccount had overdraft protection on it, linked to this card. I had my name and gender legally changed prior to a move in early 2014 and I closed my BofA ( c/s ) account shortly after moving to the new address. I then zeroed out my credit card ( cc ) by paying it down in XXXX lump sum, then cut it up. I opened another c/s account at a credit union before closing my BofA c/s account. 
A few months later, I get a forwarded letter from my old address from the BofA cc account and it has accrued late charges totaling something like XXXX dollars. I called them to ask what the charges were for and they would not speak to me because I told them my legal name, despite telling them that I have a legal document that would prove my identity. Not only that, the c/s account was grandfathered and referred to me by a nickname, not my birth name, so there was yet another name in the mix. I then tried the website to see if I could bring up the account, but did not ever set up online account access with them and could not now do so without falsifying information. 
I wrote a message from within the website help and they told me that I would have to call. I called again, only to be told that I am not the account holder, so I may not access the account. Two years later, I can not open a bank account now, thanks to this outstanding debt. I called BofA again last week and they told me that it is out of their hands because they already sold the debt to a collection agency and settlement is not possible, even though they are now willing to admit that I am the original account holder. 
I do n't believe that this debt is justified in the first place, since it is, according to BofA, stemming from an overdraft protection service charge. That 's what? {$10.00} - XXXX a month? And they informed me that the debt sold was over {$600.00}. 
I believe that BofA should allow me to settle for the original debt of {$10.00} - XXXX as my original creditor and waive the insane fees they tacked on. I tried to close everything properly, but perhaps should have closed the account before changing my name. The hard part is that I would n't have been able to open a new account until the name and gender change process was complete and I would have been without direct deposit, checks, debit, PayPal, and credit until I had my official papers in-hand. Even so, my paperwork from my grandfathered account from the BofA in Texas, that has a nickname instead of my then-legal name, would have made the process difficult, as it would have required someone who is American* or knows about American nicknames to think. 

*I say American, because people from XXXX are more likely to understand that nicknames like " XXXX '' are derived from " XXXX '' or " XXXX '' or " XXXX '' from " XXXX '' or even more obscure nicknames that are given to children by their parents and stick, like " XXXX '' instead of " XXXX XXXX ''
Consumer complaint received 2015-03-24
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Onity Group Inc. (TX)

I got recent modification ( XXXX/XXXX/2015 ) for my mortgage from OCWEN SERVICES for my house located at XXXX XXXX XXXX, XXXX, Tx. XXXX. OCWEN are adding something to the principal and I think is too much money added. Can you please help me to clarify with them what kind charges in addition to this mortgage loan. 

Thanks XXXX XXXX
Consumer complaint received 2016-04-28
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Ad Astra Recovery Services Inc (NV)

I made an agrement to pay/settle my account with XXXX XXXX to stop them from collecting and to have the collections accounts removed from my credit report. To date, they have not done anything and BY HAVING INCORRECT INFORMATION ON MY CREDIT REPORT IT APPEARS THAT THEY HAVE NOT STOPPED AND continue to make attempts to collect and they continue to provide inaccurate information on my credit report thus affecting my score and my CREDIT WORTHINESS AND qualification to obtain credit AND IT SIGNIFICANTLY AFFECTING ME AND MY FAMILY TO PURCHASE OR REFINANCE VA LOAN, IT ALSO RESTRICTING ME TO QUALIFY FOR A JOB.
Consumer complaint received 2015-11-08
Product: Credit card — 
Issue: Application processing delay — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

l received material in the mail for a Bank of America credit card. I dialed XXXX to apply. Gave all my information, was told I was approved. After a week had not received a card so I called XXXX, gave my social security # ( because I didnt have a card # yet ) and was told a letter was mailed the day after I applied. I have not received that either.
Consumer complaint received 2015-08-28
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation (CO)

To whom it may concern this letter is in reference to the negative items in my credit report by phh mortgage the servicor of my mortgage at XXXX co XXXX. 
They claim that I was late on my mortgage payments on XX/XX/XXXX and XX/XX/XXXX. They took over servicing of my loan from XXXX. XXXX had a streamlined process where i had an online system and direct withdrawal to pay my mortgage. When PHH took over they had no online system and automatic withdrawal despite my numerous requests. They also are located on the east coast and mailing to them was always sketchy and theyre processing was very slow. I often times would not receive my mortgage notice until very late. I had no intentions of being late or delinquent with payments but PHH processes made it very hard. I have been working out of state which also contributed to these problems when youre on the road working to keep money coming in to pay these debts it definitely helps to have a quality servicor. I mailed my payments in before i left home but they obviously were not received on time probably due to their slow processing times.
Consumer complaint received 2022-02-07
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have tried to email XXXX several times and i have never received a response to my emails nor did they acknowledge that they received it nor have a received anything in the mail from them I am filing this complaint violation of my privacy rights.
Consumer complaint received 2022-02-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC. (GA)

I payed my bill today, XX/XX/22, which was not late. I was still charged {$71.00} for a late fee with Ally Auto. There is a 10-day grace period. On XXXX of XXXX, XXXX from the executive office called me and I missed the call. I returned the call a few days later. She would not answer the phone, neither did she return my call. 

I don't see where they are attempting to fix my account and that person did not return my call. The same thing happens over and over with the company and phone reps. I guess they think if they don't talk to customers and avoid them, that will fix the problem. 

That will not fix the problem, their actions are a sign of guilt of overcharging these fees and refusing to explain.
Consumer complaint received 2021-04-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC (TX)

Approximately 2 years ago, I opened a no contract, pre-paid, cell phone account through XXXX. It was pay as you go, paying PRIOR to using service. I paid for the first month, prior to using the service, and it was verified, multiple times, through the company representatives, that if I wanted to continue service afterwards, I would pay first then have service, if I did not want to continue, I simply did not pay and I would not have service. After many issues during the first month, I decided not to continue using XXXX, and prior to the end of that first month, switched over to another company. I then started receiving bills from XXXX, saying I owed for a month of service, which would have been for the 2nd month that I did NOT use. I spoke with them over the phone and by email, but continued getting bills. I then noticed it had been reported on my credit. Somewhere around XXXX of XXXX, I reported this issue with the credit bureau. They decided in my favor and XXXX was forced to remove the collection from my credit. Then, around XXXX of XXXX, I again started receiving mail and emails from Receivables Performance Management stating they were a debt collection company contacting me to collect a debt on behalf of XXXX, successor to XXXX. I used their complaint portal, on their website, twice now, fully explaining that I do not owe this debt, it was for service that was never used on a no contract, pre-paid, account, and that it was already removed from my credit once due to this. After submitting the emails, both times, I never received any messages from them, but have STILL continued to get inundated with emails and mail stating I owe this debt. I have spent so much time dealing with this one issue, for 2 years now, for something I didn't use and do not owe!!! I would like it stopped!!