davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-15
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: PENTAGON FEDERAL CREDIT UNION (FL)

Nickname, Account XXXX XXXX XXXX - XXXX I am appalled by the fraudulent actions committed by the Pentagon Federal Credit Union following a BILL CONSOLIDATION LOAN that I requested from it. In order to be thorough with explaining the scheme applied by the Pentagon Federal Credit Union to defraud me, it is imperative that I break down with the series of events designed the organization to rip me off through the loan. I am a victim of identity theft and no one can apply for a loan under my social security number without first confirming my total identity through the telephone. When I applied for the loan through the Pentagon Federal Credit Union website, I was informed that a decision on the load could n't be made without contacting me first and I waited until I received a phone from the credit union the next and I was informed that based on my credit score, I was approved for BILL CONSOLIDATION LOAN AT A OF 9.99 % and a check and other documents would have been sent to me. I received the check from the Pentagon Federal Credit Union about 1 week later without other documents to substantiate the promised interest rate and I proceeded with cashing the check since I relied on the information which was given to me verbally ( 9.99 % ) when my information was verified by the loan representative. Two weeks later from the date when I received the cashed and also cashed, Pentagon Federal Credit Union sent me documents WHICH PROVED THAT THE INTEREST RATE CHANGED FROM THE 9.99 % WHICH WAS AGREED UPON TO 17.99 % WHICH I NEVER TO. I agreed to pay {$450.00} on a monthly basis and I was being charged {$620.00} on a monthly basis instead. I called Pentagon Federal Credit Union on multiple occasions to resolve the issue, I was informed twice that they would have resolved the issue with the interest rate, but they never resolved it. I later called multiple times to speak to a supervisor, only one lower level was willing to call me back amongst all the request that I made, but he was n't willing to help me and he also mocked me. I was n't willing to make any payment to the Pentagon Federal Credit Union until this interest rate situation is resolved and the credit union still continues to send negative information under my name to the Credit Bureau Agencies. I am willing to make payments for the CONSOLIDATION LOAN I owe to Pentagon Federal Credit Union until the interest rate issue is resolved. I have heard before that Pentagon Federal Credit Union was fraudulent, but I never thought it was that bad. I just hope that other military member and federal employees wo n't have to face similar issues with Pentagon Federal Credit Union in the future since it seems this organization is use to committing fraudulent acts as such.
Consumer complaint received 2021-09-21
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION (GA)

Truist Bank processing has been charging excessive overdraft fees for covered charges. The ledgers do not fit the the online mobile app. The overnight processing dose n't not match the info listed in the online mobile app. Even when the account is funded to a positive balance within 8 - 24 XXXX, consistently states that the processing on their side does not reflect what is seen on my side in he mobile app. Within 11 minutes the account was refunded and I still received a {$40.00} overdraft free based on the {$20.00} accidental charge, This is robbery. I have had so many problems with Suntrust now ( Truist ) from not being given a right to apply and receive funds for the initial PPP loan to being denied the right to open up a Bank Account with the original location I went to open my account at. I have had enough of these excessive overdraft fees and them stealing peoples money. Its mucg  bigger than the {$40.00} overdraft fee, This is extortion and robbery. I refuse to keep accepting this treatment. Suntrust. Truist needs to be fined and a class action lawsuit against them for these un coordinated and misleading processing practices. They are definitely robbing people if this is happening to other customers.
Consumer complaint received 2019-08-16
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. (WY)

XXXX XXXXSs#XXXXXXXX XXXX XXXX XXXX Wyoming To whom it may concern: I have recently obtained a copy of my credit file with your company, (XXXX XXXX XXXX XXXX XXXX Account Ending In XXXX   XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX) and I note that there is negative information being reported by Equifax in the file that you maintain under my Social Security Number. Upon reviewing my credit report, I see an entry listing account charged off. I challenge the accuracy, compliance, and report ability of this listing. Please validate this information with (XXXX XXXX XXXX XXXX XXXX   Account Ending In XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX) and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security Number. Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act section 611(a)(1)(A), and I am keeping careful records of your actions, including your Method Of Verification. I do not consent to e-Oscar or any other means of automated verification. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action of against your company seeking $XXXX  per violation for 1) defamation, 2) negligent enablement of Identity Fraud, and 3) violations of the Fair Credit Reporting Act.
Consumer complaint received 2019-03-07
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENOVA INTERNATIONAL, INC. (AL)

Received a call from XXXX XXXX and XXXX saying they are a lawyers office saying I owe and amount on a Cash Net Loan that I do not owe. It worried me so I searched their name on XXXX and every review says it's a scam. Also left a voicemail for my mom, and I'm not sure how they got her number. Will not stop harassing us.
Consumer complaint received 2019-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (NY)

Please be advised that I've taken numerous steps to have " Experian '' to correct items on my credit file. However, time and time again Experian has choose to ignore federal law. On or before XX/XX/2018. I've written to Experian expressing my frustration with them not following correct procedures to properly investigate. Incomplete, erroneous, misleading, and out dated/ old account that are way beyond their Statue of limitations in my state of New York XXXX But they refuse to adhere the law by removing or delete these accounts.
Consumer complaint received 2021-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: PENNYMAC LOAN SERVICES, LLC. (TX)

I have had problems with this company in previous and your agency helped me out. Thank you. I have another issue wherein they are deliberately reporting negative late payments from XX/XX/XXXX when I placed them on notice of my XXXX status in XX/XX/XXXX and they refused to assist me as a XXXX XXXX XXXX and attempted to accelerate foreclosure so I would have no place to live upon returning ftom a very dangerous XXXX tour. It is now 3 years later and the late payments from XXXX-XX/XX/XXXX still show on my credit report wherein I qualified for XXXX at the time. I am in the process to try to get my finances in order and this account is the Only account showing Derogatory and my attorney has written letters to the credit bureaus and even XXXX and it appears my request are falling on deaf ears. Please help me remove VERY old late payment DATA from this company as it appears it is being done with ill intent yo prevent me ftom refinancing my home loan to another company with favorable rates and from obtaining favorable employment.
Consumer complaint received 2021-04-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (MI)

Mr. Cooper, Nationstar took two payments of {$1600.00}. from my bank account on XX/XX/21. 
I do not have auto pay set up but I do pay online so they have my bank account number. Mr. Cooper sent out an email saying they were aware of a problem. These two payments were not authorized and since I do not have auto pay I can not understand how they had the authority to withdraw money from my bank account. Mr. Cooper says they will reverse the withdrawals. They made a huge mistake when they took over {$3000.00}. from my bank account. Thank you. XXXX XXXX.
Consumer complaint received 2023-06-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (GA)

For 5 years now I been getting denied for bank accounts and also for major credit card fraud back in 2010 I was XXXX and XXXX for my property back in XXXX, since then my SS # been in play, I gotten bills from XXXX company that I never applied for, I need help making this go away, please.
Consumer complaint received 2021-04-30
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Source Receivables Management LLC (NY)

I canceled my service with XXXX and switched to XXXX. I have the chat printout of my cancelation. 
However, XXXX kept on billing me cancellation. 
I paid all my bills as long as I XXXX XXXX XXXX many years ) on a timely basis, but I am not ready to pay for a period of non-service. 
I contacted XXXX, asking why I am being billed after canceling. XXXX stopped billing, but transferred the account to XXXX XXXX XXXX XXXX XXXX XXXX 
I contacted XXXX XXXX XXXX, XXXX with the same and they stopped billing. But they transferred the account to SOURCE RECEIVABLES MNG ( XXXX ). 
I contacted XXXX and provided them with copies of my chat to cancel, but instead of addressing the issue, they keep flagging my account on XXXX  and other credit reports. This causes me tremendous damage as I try to obtain financing in these trying times. All I ask is either XXXX  should get back to me explaining why they believe that I owe anything after I canceled my service, or they should stop harassing.
Consumer complaint received 2023-06-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc. (FL)

Hello looking at my credit report I see XXXX items under my name from a collections agency name CONVERGENT OUTSOURCING but shows original name as XXXX  i tried to file a dispute with the collections agency which is not having anything research AND THEY ARE POSTING INACCURATE INFORMATION ON MY CREDIT REPORT FIRST OFF I NEVER RECEIVE A NOTIFICATION LETTER to inform me secondly I've never had a XXXX  account ive filed several police reports on this it shows XXXX and XXXX & and yet XXXX still sends my account outsourced which the debt is not owed on my behalf which is a violations to the fdcpa please remove all negative marks off i do not owe this debt this is a violations of the FDCPA
Consumer complaint received 2021-09-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sequium Asset Solutions, LLC (TX)

I checked my credit report and notice a collection that I wasn't aware of. I don't have any contract with this or have received any correspondence from them explaining where they come from and how I'm to pay an alleged debt. The company simply went and bought a debt for pennies on the dollar and assumed it was mines instead of going through the proper channels and giving me my right to dispute. They are in violation of my FCRA rights. XXXX says the collection was open in XX/XX/XXXX on the other hand XXXX says it was open XX/XX/XXXX, and I'm completely confused with these discrepancies especially not knowing who this company is to begin with and how are they putting invalid information on my credit report stating I owe them a debt. I don't have a contract with them, I never signed anything with them, I never had a phone conversation, and I never received any mail from this company. They claims are false and destroying my credit it is hard enough to survive the pandemic and hold on to your credit especially when you working to become a homeowner.
Consumer complaint received 2021-09-21
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. (IL)

Beginning XXXX of this year I began searching for a new homebuyer loan. My credit history was pulled and even though my credit was high enough the bank I was getting a loan from needed to see that I had sufficient payment history. I had two car loans with XXXX so was expecting that getting a loan wouldnt be an issue. What I found was that my good credit was reported for someone else under their social security number. The first attempt took two months before it was found that the request was sitting on someones desk being ignored. I was told at that point the issue was resolved. It wasnt! Once found the next step by XXXX was to call XXXX XXXX asking how we could move forward. I was then told that they were having issues getting a file created to send to TransUnion. Next, there was a file created and sent but rejected by TransUnion due to its date. When the file failed XXXX refused to submit another. My credit was reported using my fathers social security number and now I'm stuck with no credit and unable to move forward.
Consumer complaint received 2023-01-11
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: GOLDMAN SACHS BANK USA (NJ)

Myself and my wife both retired seniors XXXX  XXXX 's are victims of fraud. Unauthorize withdrawals were made from our checking account at the XXXX XXXX Federal Credit Union ( XXXX ), XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. All transaction codes used against our checking account were identified as " External Withdrawal/XXXX GS '' ( GS in banking terms is Goldman Sachs ) . We do NOT have an XXXX/GS account. During the period XX/XX/2022 to XX/XX/2022 a total of XXXX transactions totaling {$9200.00} were made incrementally beginning in XX/XX/2022. The XXXX was notified on XX/XX/2022 and took immediate action to investigate these unauthorized withdrawals. A police report with the XXXX XXXX, Police Department, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX was filed on XX/XX/2022. On or about that date my wife called XXXX and Goldman SachsXXXX XXXX XXXXXXXX, XXXX and apprised them of the problem. XXXX provided no support, while a supervisor at Goldman Sachs said she would look into it. Note that we have XXXX products but do not have an XXXX/S account. To date the XXXX has reimbursed us for the months of XXXX and XXXX and has identified a potential suspect of this fraud. To date we do not know how a stranger got approval to make withdrawals from our checking account.
Consumer complaint received 2020-11-30
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: General Motors Financial Company, Inc. (NY)

GM financial pulled my credit two times with my consent, agreed on a monthly payment, now theyve pulled my credit score again dropping my credit score without my consent, very unprofessional.
Consumer complaint received 2021-04-06
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CA)

I had a HELOC with XXXX. They went out of business and it was assigned to SLS. I filed XXXX XXXX and included SLS. That was XXXX or and never heard 1 word from SLS for 10 years. They contacted me in XX/XX/XXXX and demanded $ XXXX or they would foreclose. I pleaded with them but paid the $ XXXX. The balance should have been $ XXXX. Now Im trying to refinance to pay them off and theyve added to the balance, all payments and interest due for the past 10 years increasing what I owe to $ XXXX!!!! This is so unfair. Please help me. They are so rude and wont even discuss a solution with me. They never contacted me at all until they saw property values have greatly increased so now they want their money and threatening us. We are under so much stress and pressure with this
Consumer complaint received 2024-03-19
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: SYNCHRONY FINANCIAL (VA)

My former fiance is using my address to establish residence using a Rooms To Go Credit card. I have legal documentation stating that this individual has no legal right to my property. I have asked 3 times to have my address removed from an account that does not belong to me. His legal address is on the court documents contained in this complaint.
Consumer complaint received 2019-03-07
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX and Transunion are reporting me as 60 days past due on the XXXX XXXX partial account numbers XXXX and XXXX. These accounts have a {$0.00} balance and {$0.00} past due. This inaccurate reporting is harming my score. I have disputed this directly with the two bureaus but the coding violation has not been corrected. It is impossible to be late on payments to an account that has a {$0.00} balance and {$0.00} past due amounts.
Consumer complaint received 2023-01-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (NY)

Macy 's is inaccurately and negligently reporting late payments on my consumer credit report for XX/XX/2017 and XX/XX/2017 which is impacting my ability to secure housing. I have written letters to the XXXX XXXX XXXX and XXXX for the XXXX XXXX XXXX to no avail. Macy 's is in violation of the Fair Credit Reporting Act. In addition to several other code laws Macy 's is violating, they are primarily violating my rights under the Fair Credit Reporting Act 15 USC 1681a ( 2 ) ( A ) ( i ) which references that a consumer report does not allow the creditor to report information as to transactions or experiences between the consumer and the person making the report. Therefore they are in violation of this code law by disclosing to the credit reporting agencies that I, the consumer, was supposedly late on payments.
Consumer complaint received 2018-12-04
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Advance America, Cash Advance Centers, Inc. (FL)

This has been a solid 3 to 4 years advance america is committing fraud agenst my good name and time after time they beat around the bush saying its factual. they are commiting slander and more Insurance fraud. they clamed that i took out a loan witch i did not and i want to see the paper that bares my sigature of this. it was calmed to be taken out at the XXXX XXXX florida store on XXXX next to the XXXX. they are known to forge and report false accounts to the state government and XXXX people up. they don't call me they do nothing just beat around the bush 3 to 4 years i have been dealing with this and no help. they lie their teeth off and will sue them for defamation.
Consumer complaint received 2020-11-30
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: TD BANK US HOLDING COMPANY (GA)

XX/XX/2020 - TD Auto Finance financed a new truck that I purchased through XXXX XXXX XXXX in XXXX, GA. I requested the loan to be in my name ( I'm XXXX ) and my grandson 's name ( age XXXX ) but was told by XXXX XXXX finance rep that no finance company would agree to do so. But because I have a good credit they gave me the loan knowing full well that I could not pay this payment if for some reason my grandson was unable to do so. Now the payment is all on me since my grandson can not pay. Also, I have attempted to sell the truck back to XXXX XXXX but they aren't interested. I got a purchase quote from XXXX of {$44000.00} even though the truck has only XXXX miles on it. The difference in what is owed and that amount is about {$25000.00}. I don't understand how a truck with so few miles could drop so drastically in price.
Consumer complaint received 2021-04-30
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. (VA)

well i went in to review my scores and my score at first was XXXX now i go back in to my report and all these points have come down to XXXX! i had 5 total creditors that i deal with 4 approved me and 1 did not! 3 points per inquirery is nor a standard to take all my good credit scores away like in encrements of 8 and 7 with no reasons exsperian is this complaint i will view my other 2 creditor reports but this is not correct i want my points back my record had nothing on it prior to this!
Consumer complaint received 2021-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NV)

I opened a XXXX XXXX credit card a while back through an advertised promotion on XXXX 's ordering page to get the store/statement credit. When I did this, XXXX XXXX unknowingly to me at the time ) took it upon themselves to automatically update the new XXXX XXXX card as my primary payment method. When I later made another XXXX order with the automatic slide to order, I did not see the payment method and expected it to default to my previous payment method, which should have been my primary payment method with XXXX all along. Because of this, there was an additional charge posted to the XXXX account after the balance had been paid. In my mind, the XXXX card was zero balance and not currently being used by me. What is even more unfortunate is that XXXX never contacted me when my account went late due to a payment not being made or being on auto-pay. Thus, an additional 30 days went by, and this was unnoticed by me until I was hit with a sub-sequential 30-day late payment on the account on my credit report. I called XXXX a while back to explain this and it was very hard to get through to anybody who actually genuinely understood the situation. I was never given a thorough method of resolving this issue.