davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have asked the credit bureaus to update my XXXX XXXX # XXXX account. This account is not in deferment and should be reflecting my full payment history. I have not missed any payments. There are several months of missing payments. Because my monthly payments are not reporting it's affecting my credit score. All 3 credit bureaus have almost a year of missing payments.
Consumer complaint received 2019-04-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: JPMORGAN CHASE & CO. (VA)

I received a refund check from chase for a little over $ XXXX.stating that the wrongfully had taken my car and sold it and I was in the XXXX. I finally received the check and cashed it with no info attached and after 3 years I received a letter from the IRS stating that chase sent in aXXXXform for me to pay taxes on this money. This was not money from working for chase but a refund from you over charging of fees and resale of my car. I have been calling and no one seems to know what to do ect. i spoke to the IRS and they stated that Chase needs to send a new XXXX form correction to get this situation handled and sent to IRS with correct information to get this handled this is causing me to have to pay over {$6800.00} in Taxes. I need this situation handled so that I can put this behind me. If I have to keep reaching out to someone in regards to this matter and getting no answers. I will be having my lawyer to contact due to this matter with information sent to the XXXX. this should have been information sent in the later. so that I could have filed right then in there but now I have fees ect for this which is affecting my life. if you ever get anything from them be sure to request all forms needed and get names because its been 3 years and still no answers
Consumer complaint received 2016-06-07
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: BBVA FINANCIAL CORPORATION (CA)

We started the mortgage process w/BBVA in XXXX with a XXXX closing date. Through the process I was extremely proactive returning requested action items often within minutes and closely followed the status throughout the process. Concern of the processor 's attention to detail and responsiveness was voiced early on by myself however I was falsely reassured. The week before closing I was assured everything was on target however the week of closing I found out our process was to be delayed and BBVA petitioned for an extension which was graciously accepted by the seller. Unfortunately it was later found that there was no acceptable reason for the initial dealt other than someone " dropped the ball '' per BBVA & I was assured we would close by yet another requested extension. The processor 's supervisor became aware of the situation and promised to escalate the process assuring an expedited flow. Unfortunately a XXXX petition for an extension was requested without any apparent reason. Multiple calls to BBVA customer support yielded promised return of call with 24-48 hrs by managers of customer support to accommodate reparations. Two weeks later and still waiting there has been no return of customer support management and we are still waiting to close escrow brining the total time to nearly 70 days! Promise to expedite the process was met with actual delays again for no apparent reason and not because of delays on my part. As a result of multiple requests for extensions by BBVA w/o valid reasons the purchase of our dream home is now in Jeopardy and there has been no response as promised by customer support not even a phone call to acknowledge the inconvenience or promise of reprimand of the person who initially caused the delay. Accountability for a timely closure of this mortgage process has been sub par and there has yet to be any offer of reparations or to remedy the situation w/o further delays.
Consumer complaint received 2017-05-24
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. (VA)

My Vehicle was broken into and my DL was stolen. A few months later I notice that there are several unauthorized inquires on my credit reports, all within the same time frame. I called the police and was given report and immediately contacted the credit reporting agencies. My letters were ignored, My online disputes had no resolution and over the phone they told me that they do not have the ability to help me.
Consumer complaint received 2017-03-03
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY (NY)

I received a statement from American Express for {$600.00} that is not the result of any purchase whatsoever. It was a dormant account that american express used to generate late fees and membership fees with no actual usage. Over the phone American Express said they can not even find any purchases as they could see in there system.
Consumer complaint received 2015-07-03
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: HSBC NORTH AMERICA HOLDINGS INC. (GA)

COMPANY CONTINUE TO DEMAND PAYMENT ON OUTDATED (XXXX)ACCOUNT, NOT MINES AND PAST STATE(GA) STATUE OF LIMITATION OCGA 9-3-24, OCGA 9-3-25 ; (4) YRS ON OPEN END ACCOUNTS, VIOLATED FCBA, FCRA AND FDCPA...NOTE: ID FRAUD AFFIDAVIT WAS FILED WITH FTC# XXXX
Consumer complaint received 2015-04-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (FL)

I 'm in the process of going through foreclosure and I did a search on the XXXX website for the Trust that is suing me in the instant action XXXX Bank XXXX, XXXX XXXX, as Trustee For XXXX Mortgage XXXX XXXX XXXX, Asset-Backed Pass-Through Certificate, XXXX XXXX XXXX XXXX XXXX, et. al., Case No. : XXXX, in the XXXX Court XXXX XXXX XXXX XXXX XXXX in and for XXXX XXXX, Florida. When I looked on the SEC website the trust did n't exist..
Consumer complaint received 2016-08-15
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NV)

Where to begin with USAA BANK is hard cause they have hurt so many aspects of life not only then when they criminally stole money from our accounts but now that they keep lying about there illegal regulation rules. They are soul crushers and will stop at nothing to steal money and with the services they have they use terms and conditions that are so farse to steal your money and take everything including committing severe fraud.
Consumer complaint received 2016-04-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: M. G. Credit, Inc. (FL)

Principal amount owed to my college was {$3200.00}, but debt collector MG Credit is trying to collect for {$4800.00}, and refuses to settle for some lesser amount or the principal amount. This seems like an exorbitant amount of interest/fees being charged. I have filed a dispute, but they are not responding to the dispute and the credit bureaus refuse to remove the charge from my credit report.
Consumer complaint received 2024-03-20
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Payfare International Inc. (TX)

On XX/XX/XXXX my card was charged XXXX I did not authorized this charge. I informed the company that my card and phone was lost/stolen and they begging to inform me that it is my fault my items were stolen and that they cant issue me a refund for the unauthorized charged. I contact payfare international known as dasher direct several times and they begin to ignore me. I never received any responses back. They begin to be rude to me and hang up the phone on me and stop responding to me.
Consumer complaint received 2022-01-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (NJ)

PayPal decided to take unilateral action to restrict my account and hold my funds. I attempted to transfer an existing account balance of {$5800.00} from PayPal to my linked bank account. PayPal decided to " Deny '' transferring my balance to my bank account, permanently restrict my PayPal account access, and hold my balance of {$5800.00} for 180 days. When I contacted PayPal, they offered no resolution other than to sit and wait the 6 months to receive my money back.
Consumer complaint received 2016-03-04
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Paypal Holdings, Inc (MI)

I made an account on PayPal so that I could transfer money to my bank account from ebay sales. However, PayPal took {$6.00} out of my checking account for a shipping label without my permission. PayPal needs to put the money back into my account. After PayPal transfers the money back into my checking account, it can close my account.
Consumer complaint received 2017-05-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (FL)

I paid  XXXX   XXXX   XXXX  directly so diversified collections needs to delete their reporting from the credit bureaus . Diversified said they submitted documents for the CB 's to delete but  XXXX  and  XXXX  are still reporting the collection.
Consumer complaint received 2016-11-28
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SQUARETWO FINANCIAL CORPORATION (NV)

I did hold a credit card account with XXXX issued by XXXX Bank from XX/XX/XXXX till XX/XX/XXXX when it was closed. On XX/XX/XXXX was the last payment made on the card showing XXXX balance. Since XX/XX/XXXX till XX/XX/XXXX there was no activity on the account. During the months of XX/XX/XXXX I have received a notice from a collection agency that I owe them {$690.00} that they claim I did not pay XXXX. When asked to prove the charges no one was able to produce said charges because they never existed. Since 2011 till now I have not received what I have requested but said information was reported to the credit bureau as bad debt. 

Merchandise was returned to XXXX and credit was received but XXXX Bank or XXXX some how decided that I owe them the {$690.00} when that amount was credited to the account based on merchandise returned to them.
Consumer complaint received 2016-11-14
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Lending Club Corp (TX)

I took a loan from Springstone Financial now Lending Club in XX/XX/XXXX through dental office " XXXX '' in the amount of {$24000.00} for dental implants. When I signed up for the loan I was told that it is interest free for 24 months and after that the interest will kick in on the amount remaining in the account. In XX/XX/XXXX, I was charged {$6400.00} in my account. I contacted Lending Club and asked about these charges and that 's when they explained to me that these are deferred interest charges from the 24 months of their promotional plan that just expired that month. I had {$3300.00} remaining from the original {$24000.00} loan. I immediately paid this amount. I also disputed the interest charges ( {$6400.00} ) and asked to close my account. I was told that I will not be able to close my account until the disputed amount is resolved. I was also told that I do n't need to make monthly payments on this disputed amount until it is resolved. Since then, I am being charged every month finance charges ( {$160.00} for XXXX and {$190.00} for XXXX ) on amount that I 'm disputing and on the account that I ca n't close. These are very high charges that are unfair to me since I am in this financial position because the terms were not provided to me the day I signed up for this loan. I received a letter on XXXX from Lending Club rejecting my request to dispute these charges explaining to me that these are " valid ''. And that the plan information was provided to me in my monthly statement. The crucial information of " Deferred interest '' was never provided to me when I signed up for the plan for me to make a decision to take it or leave it. Also because I was not informed about this condition in the plan, I did n't not look for it in the monthly statement. I believe that I was tricked to sign up for a plan and was not made aware of its crucial condition and wo n't be able to withdraw from it if I saw it after the fact because of my dental needs at the time. 
Quick search in the internet, I found that Springstone Financial ( now Lending Club or XXXX ) has lawsuits and CFPB Actions regarding the " Deferred interest promotional plan '' that I apparently was signed up for without my knowledge because of deceitful means used to promote this plan. In the CFPB action that I am attaching here with my complaint, Springsone was ordered to refund {$700000.00} in consumer relief to 3200 consumers as a result of the deceptive marketing and enrolment practices in its dental-service provider network. Springstone was also ordered by CFPB to reimburse and notify consumers affected by these practices. I am a consumer that is affected by this program and I am finding Lending Club action to pursuit me with these charges after CFPB took actions against them unfair and unreasonable.
Consumer complaint received 2015-12-29
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: Onity Group Inc. (GA)

I had hail damage done to my home on XX/XX/2015 my insurance co. sent me a check in owcen and my name XX/XX/XXXX I sent the check via XXXX nextday.I had faxed my docs over on XX/XX/2015 I called everyday to check if they had everything they needed.everytime I called all I got was no they have not been loaded onto the system call back XXXX. Ocwen got the check on XXXX XXXX called that same day same thing no docs. called again on XX/XX/XXXX, Monday after XXXX still no docs I talked with maybe XXXX different supervisors XXXX told me to fax the docs.to XXXX I tried this number and it was not a working number .then in the afternoon on XX/XX/XXXX I spoked with a person named XXXX I told him the XXXX # I faxed the docs to on was XXXX and the other # XXXX he said that # was not being used someone gave me an incorrect #. 
he searched for the docs.that 's when he said for me to email the docs I asked him to email me to confirm he got them, he stated he could not do that but he would give me a call well he did email me that he got the docs. finally. now the XXXX XXXX guys I spoked with earlier promised me they would expedite the process. I called again on the XX/XX/XXXX this agent was XXXX he was just rattling words making no sense at all. Keep in mind I had to wait 7 weeks for XXXX to approve my claim meanwhile it 's been raining and my roof is leaking and moisture is building up in my walls my carpet is ripped due to water. the people who dried it ripped the carpet tore out the installation from the walls the cover on the roof is an eye sore the homeowners assoc. will soon be writing me for that soon. I am sooo fed up with dealing with these people at ocwen. they are not considerate of my needs during this difficult time. I need help something needs to be done this is a crisis.
Consumer complaint received 2017-03-07
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (NC)

I HAVE BEEN DEALING WITH OCWEN LOAN SERVICING FOR SEVERAL YEARS TRYING TO GET A SHORT SALE APPROVED. IT HAS BEEN IMPOSSIBLE. THE SERVICING IS IN XXXX AND THOSE CUSTOMER SERVICE REPS ' READ A SCRIPT AND ARE NO HELP..NONE AND WHEN YOU TRY TO GET SOMEONE IN THE UNITED STATES TO SPEAK TO YOU IT COULD BE WEEKS OR MONTHS BEFORE HEARING BACK. 
MY HOUSE IS UP FOR SALE ON XX/XX/2017, NO NOTICE, NO NOTHING, JUST A CALL FROM SOMEONE IN XXXX TELLING ME SHORT SALE WAS APPROVED AND I WOULD HAVE PAPERWORK WITHIN A FEW DAYS ... BUT, " OH, BY THE WAY '', YOU SALE DATE IS XX/XX/2017. I WAS FURIOUS. WE HAVE BEEN WORKING DILIGENTLY ON THIS END TO GET THINGS FINISHED WITH NOTHING, ABSOLUTELY NOTHING BUT LIES AND DECEIT FROM OCWEN. I TAKE CARE OF MY XXXX MOTHER AND MY GRANDSON. THIS IS HORRIBLE, ESPECIALLY WHEN YOU HAVE THE BUYER READY TO GO AND OCWEN STILL CA N'T TELL THE TRUTH. THEY HAVE STATED THEY " MISPLACED '' THE SHORT SALE PAPERWORK, LOST IT ... AND THEN FOUND IT AGAIN. NOW THEY ARE ASKING FOR AN APPRAISAL DAYS BEFORE SALE AND THAT CERTAINLY WO N'T DO ANYONE ANY GOOD ESPECIALLY SINCE THEY HAVE HAD SEVERAL SINCE THIS PROCESS STARTED. OCWEN ALSO PUT FORCED INSURANCE ON THE PROPERTY BUT HAVE NEVER EVER EVER FIXED ANY PROBLEMS THAT HAVE BEEN EXPERIENCED AT THE RESIDENCE. STORMS, ROOF PROBLEMS, TREES DOWN, DAMAGE TO THE WALL FOR THE FOUNDATION DUE TO STORMS ... .NOTHING ... THEY DO N'T EVEN CALL BACK ... ... THIS IS HORRIBLE TREATMENT ... ..HORRIBLE .... 
MY ORIGINAL MORTGAGE COMPANY WENT BANKRUPT, THEN THE SECOND DID THE SAME AND THEN I WAS INTRODUCED TO OCWEN AS THE SERVICER AND THEY ARE DOING NOTHING BUT SUCKING THE LIFE OUT OF PEOPLE.. WHERE IS THE HELP, THE MODIFICATIONS, NOTHING BUT LIES AND DECEPTION. 
WHERE AM I TO GO WITH MY XXXX MOTHER ...?????????? 
I HAVE WORKED ALL MY LIFE AND HAVE BEEN HERE IN THIS HOUSE OVER 15 YEARS. I GOT THE BUYER FOR THE PROPERTY, THE MONIES IN ESCROW, EVERYTHING AND THEY CA N'T GET IT IN FRONT OF SOMEONE WHO SPEAKS ENGLISH AND CAN READ A DOCUMENTS ... .WHERE DO WE GO FROM HERE .... 
LIARS ... .ALL LIARS .... 
I HAVE DOCUMENTED EVERYTHING ... NAMES, TIMES, EXTENSIONS, ETC ... ALL OF IT.. 
TELL PEOPLE ... .TELL EVERYONE ... ..SOMEHOW WE NEED TO STOP THIS CRAZINESS ... NOW .... 
OCWEN ... ... ..LIARS ... ..THEIVES ... ... LIARS ....
Consumer complaint received 2017-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SYNCHRONY FINANCIAL (IA)

I received a letter dated  X/XX/2017    from Synchrony Bank where I have accounts, that " a request has been sent to the  XXXX   XXXX   credit reporting agency re questing that the inquiry reported under the Synchrony Bank be deleted from your credit profile ''. There was no contact name on the letter, no record or incident number, no contact info other tha n a   XXXX   XXXX   number i n  XXXX , Ohio. The letter also incorrectly specified a middle initial for me even though I have no middle name. I tried to contact the bank by phone soon after receiving the letter but no one I reached knew anything about it or could help further. The exact wording of the letter is not clear as to what happened ( I ca n't understand it ) but it did trigger  XXXX  other letters from  XXXX   XXXX  and the  XXXX  other major credit monitoring services  (   XXXX  and  XXXX   ). T he  XXXX  from  XXXX   XXXX  referenced the original bank letter, I think, by indicating  " Re :  SYNCBJCP '' but otherwise did not reference the bank by name but did say that the " above creditor ... received a credit application containing your name and social security numb er '' ( more information than was in the banks letter ).    This whole think has caused stress and concern for myself. I would like to think I am sophisticated about these things but I am not sure this is some kind of scam or not. Initially I thought so but since the bank 's letter preceeded all of these notifications from credit reporting issues about an " incident '', I am not so sure.   I would like some knowledgeable person from Synchrony Bank to either confirm that the initial letter was a scam ( that somehow triggered the letters from credit reporting agenc ies ) o r, if not, please detail what happened, especially if someone has tried to use my information to apply for credit.   Thank you for your time and consideration.
Consumer complaint received 2017-02-26
Product: Credit card — 
Issue: Late fee — 
Company: AMERICAN EXPRESS COMPANY (MA)

Current customer of American Express for over 7 years. Continuously spend over XXXX $ monthly, and pay my bills on time. The last few months, something has been happening with my bank, that my payments are a day or two late. I called customer service, asked to speak to supervisor to see if the fees could be credited as a courtesy for being a long-time customer. The first supervisor hung up on me, and when i called back and asked for supervisor, the second supervisor did not even review my account, but told me that he will not credit anything, as people who spend more money than me dont even get credited. He was rude, and not customer oriented, and did n't give my account the time and review I requested.
Consumer complaint received 2017-05-24
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. (VA)

My Vehicle was broken into and my DL was stolen. A few months later I notice that there are several unauthorized inquires on my credit reports, all within the same time frame. I called the police and was given report and immediately contacted the credit reporting agencies. My letters were ignored, My online disputes had no resolution and over the phone they told me that they do not have the ability to help me.
Consumer complaint received 2021-03-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (HI)

The ACH Transfer is made for XXXX XXXX a total amount of {$1700.00}. At first we helped him with {$1500.00} and then give him additional {$250.00}. We are trying to help him and being generous but at end it was a scam. They are doing fraud and scam so they can get money. Is it possible to get the money back because I tried to reverse the ACH before because they told us before we can reverse it unfortunately they informed as in the branch we cant reverse it. He never respond to my text or call. XXXX XX/XX/XXXX, XXXX {$1500.00} XX/XX/XXXX, XXXX {$250.00}
Consumer complaint received 2022-01-04
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: VW Credit, Inc (GA)

I Sent in a copy of my ftc report along with my police report to XXXX, which they received on XX/XX/XXXX. I called on XX/XX/XXXX and they stated it will take up until XX/XX/XXXX to get results and refused to give me an explanation as to why it will take more than 30 days. This is after repeated request for them to provide me the information that they are allegedly using to verify if the account is accurate or not.
Consumer complaint received 2016-12-17
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: Paypal Holdings, Inc (MS)

As a verified PayPal member, I am trying to make a simple purchase of {$250.00} on eBay for a PayPal Digital Giftcard auction item. PayPal, yet again, will not allow me to make a purchase because, according to their telephone agent, a transaction was recently made on my account which used my connected bank account. A standard response of " we 're trying to make sure you 're account was n't hacked '' will not suffice.