davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-01
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (TX)

I had every synchrony credit card closed without any type of notification. Every card I have which is 11 has 100 % on time payment history and the cards were not even maxed out. Very low balances as some were promotional balances. My credit score rating is good across the board. I received a letter stating high risk. Doesn't make sense considering I just received my new Sam 's credit card in the mail last week and THEN they decided to cancel every card. Very disappointing considering I am a high volume user. Never missed a payment and 100 % on time payment history. After researching I'm seeing this across the board.
Consumer complaint received 2021-01-26
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: EQUIFAX, INC. (SC)

I have reached out on twice to Equifax, XX/XX/2020 and XX/XX/2020 asking them to provide me the name of the original creditor of 3 accounts listed on my credit report so that I may reach out to them for additional information. My credit report was updated that I disputed the item however I was never provided with the companies name and the accounts are still showing up on my credit report. I need to get this resolved as it is hurting my credit score and keeping me from getting financing.
Consumer complaint received 2023-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CT)

XXXX. XXXX XXXX account number : XXXX XXXX. XXXX  XXXX XXXX account number XXXX XXXX. XXXX XXXX  account number XXXX XXXX. I HAVE NEVER LIVED IN ANY OTHER STATE IN THE UNITED STATES EXCEPT CONNECTICUT. 

In accordance with the fair credit reporting act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. In addition to the statement above, the information below is incorrect.

15 USC 1681 section 602 A state I have the right to privacy 15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instruction.

15 USC 1681C ( A ) ( five ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items information, other than the records of convictions of crimes which antedates the report by more than seven years.

15 US C 1681s 2 ( A ) ( 1 ) A person shall not finish any information relation to a consumer reporting agency if the person knows or has a reasonable cause to believe that the information is an accurate.
Consumer complaint received 2022-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DriveTime (FL)

On XX/XX/XXXX, I was going through Auto Loan options through pre approvals/match on XXXX where I did not even provide my full SSN. A few minutes later, I got a Hard Inquiry from DT Credit on my report. I immediately called them and the representative on the phone told me that they can not remove the inquiry but can only notate the account that it was unauthorized. They stated that I should call the credit bureau and dispute it with them. When I called XXXX, the rep there suggested I reach out to CFPB and file a complaint.
Consumer complaint received 2017-04-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (FL)

# XXXX Submission XX/XX/XXXX ( Sending this by mail also as was told that they could not be reached by CFPB ) I 'm sending letter in mail to them today XX/XX/XXXX as well as on here. XXXX XXXX XXXX XXXX UPDATE XX/XX/XXXX.. XXXX EST. Since writing below, there has been a discovery, the letter sent to me telling me of sale/assignment of my loan that came one month to late .... The information was not true ... .. it was another named company who had it in New Jersey with a different address and phone number. Except that, the company in New Jersey did n't assign it to this original company until XX/XX/XXXX of which I was not informed. The transfer from XXXX to this company was not legally presented either. It appears finagled and in a clever or dishonest way with names and trusts of confusion. Are you keeping track.
The Banks have not addressed my most significant issues ( not once )!
The Banks REFUSED TO MAKE PAYMENTS! ALL along convincing me all was good while in the middle of Modification. I spent over {$50000.00} on legal fees.
The Bank never possessed the original promissory note at the time the complaint was filed.The affidavit of indebtedness ( or amounts due and owing ) were wrong. The Plaintiff did not negate all properly raised affirmative defenses before the summary judgement.
The Bank did NOT act in good faith and had " unclean hands ''.
The Banks behavior were enough to lead me to believe that they were NOT going to exercise right of default and acceleration. It can be well demonstrated that through describing the modification process I was involved in before the law suit was filed, and what they did to convince me that they were not going to sue me, but settle with me for a modification. ( Which they never did )!
The Banks transferred the loan from one bank to another many times with no resolution and not in the timely way in which it states ( they must ) CLEARLY ON MY LOAN. I was not notified with in the time period under law. Also, on several occasions, they did not send documents to my property address as required.
<P/>
I pray for Justice!
<P/>
Instead of taking my payments so that my home would be close to now to being free and clear now in my senior years, instead they added those payments on top on the Principle Balance THEM creating a debt twice as big as when I started trying to modify my loan in XX/XX/XXXX to get it paid off! <P/> The responses received from the banks are computerized from one bank to another and neither one of them ( " self admitting '' state that they can not speak for what happened prior ) of that they have any validity. Infact they show inconsistancies. I, however, have the true facts and ALL MY PAPER DOCUMENTS! I have an entire filing cabinet full of proof and I can tell you exactly if I have this or that. I can give names and phone numbers of the loan officer, dates and times, extensions at the very beginning XX/XX/XXXX to today XX/XX/XXXX ).
Consumer complaint received 2016-02-15
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (NC)

Ditech Financial has failed to provide {$740.00} payoff refund after 2.5 months. The mortgage was paid off on XXXX XXXX, XXXX. I called Ditech around XXXX XXXX to confirm payoff status and shipping address for refund. I emailed Ditech on XXXX XXXX, XXXX, requesting an update. I called Ditech around XXXX XXXX and was told that a refund was issued on XXXX XXXX, XXXX, but it would be reissued and should arrive within 2 weeks. On XXXX XXXX, I received a response to my original email stating that a refund was mailed on XXXX XXXX. As of XXXX XXXX, 3 weeks later, no refund has been received.
Consumer complaint received 2015-09-17
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (CA)

my property was in active shortsale process in underwritten with and a counter offer from the bank green tree that had removed the sale date for XX/XX/XXXX because the active shortsale negotiation, in the process Green tree sold the loan to dietech who put back the sale date and foreclosured the property it went back to fannie mae on XXXX XXXX, 2015 because Green tree failed to transfer the shortsale package to Dietech, and Dietech did not have any knowledge that the property was in shortsale and proceeded with the foreclosure, at this point I want my property back I do have all the proof documentation to sustain my claim.
Consumer complaint received 2021-01-26
Product: Credit card or prepaid 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: TD BANK US HOLDING COMPANY (FL)

Multiple transactions for {$4.00} to XXXX XXXX PAY BY PHONE which we did not make. 
. 
The dates are as follows XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 There were other similar fraudulent charges to the same company that were resolved in our favor and a new credit card was issued. 
TD Bank sent us a letter stating that 'documentation provided by the merchant supports the merchant 's position that the services were rendered associated with this transaction. Based on this documentation we are unable to credit your account '. 

Sure, the services were rendered but not to us and that is why the new card was issued. 

I called and spoke to XXXX on XX/XX/2020 about this letter. 
I called and spoke to XXXX on XX/XX/2020 and I was told they were still working on it I called and spoke to XXXX on XX/XX/2020 about this. 
On XX/XX/2020 I spoke to XXXX and when I was getting nowhere, I was transferred to a supervisor by the name of XXXX and again I was told that TD Bank can do nothing. And she mentioned letters to that effect which I never got. 
On XX/XX/2020, I finally spoke to XXXX in Disputes and she agreed that the charges were indeed fraudulent but she could do nothing except refer the matter to a supervisor to call me back as they had left for the day and this was just after XXXX. No supervisor called
Consumer complaint received 2019-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: WELLS FARGO & COMPANY (NH)

As a student in New Hampshire, there were not any Wells Fargo banks. I see it negatively affected me on my credit because I don't pay them back what they claimed I over drew the acct of. 

Looking story short, when my mother passed away my sister was in " charge '' of the accounts since my mother couldn't get up and go to the bank. This resulted in my sister over turning money that was sent to me, that I needed as a student. Wells fargo claimed there was nothing to be done.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (OH)

Recently I was contacted by one of the customer service representative they asked me if I could afford certain amount of money per month I asked them if they had an income-based program and they told me no I currently Am paying any mount that I am struggling to keep up with when I have income-based repayment plans with all my other loan providers XXXX it has been unwilling to work with me in continuously calls me trying to get me to pay the amount that I told him that I can not afford.
Consumer complaint received 2016-08-19
Product: Money transfers — Domestic (US) money transfer
Issue: Other service issues — 
Company: Paypal Holdings, Inc (TX)

Good Day to whom it may concern, I am respectfully requesting that the hold on my funds/account be lifted. I am not necessarily requesting that my account be re-opened or allowed to continue to use the PayPal service, as I have already taken my business one of your largest competitors that I am no longer in need of PayPal 's services. 

I have been made aware that the limitation on the account can not be appealed. Although I disagree with the decision to close my account to future business I will abide by it - however because I feel that holding my funds for 180 days for a non-fraudulent violation of PayPal 's Acceptable Use Policy is excessive, and perhaps a punitive abuse of power, I will be filing complaints with the attorney general of California, as well as the DBO of California in order for them to mediate and decide whether this practice is acceptable in my specific case. Additionally, i am not satisfied with the current response to hold my interest bearing money for 180 days solely at the discretion and best interest of Paypal for monetary benefit and security purposes. 

I understand PayPal 's need for holding funds for credit card chargeback purposes, however due to the sheer amount of customers compared to the rate of claims I feel that any reasonable person would conclude that holding my entire balance for 180 days is excessive and may be viewed by some as punitive or as already stated, an unnecessary abuse of power and perhaps even contrary to the laws of some states. That being said I have no problem with, and agree to leaving a balance of {$500.00} for credit card chargeback purposes for the duration of the 180 days. I feel that this is a fair resolution while still leaving PayPal with the means to charge back any future credit card disputes to my account. 

Should you remain to not release my cleared funds, please provide to me a lawful reason that allows you to hold my money for 180days? I do not wish to wait 180 days nor is this a reasonable amount of time to continue to operate a business in the same manner with cashflow disrupted due to gross negligence and lack of information regarding limitations. Proof of past gross negligence can be seen in XXXX PayPal Inc., XXXX XXXX. XXXX XXXX XXXX XXXX XXXX California XXXX where Plaintiffs allege that PayPal improperly handled disputed transactions on PayPal accounts and improperly placed holds and reserves on accounts or closed or suspended accounts. 

Section 1841 of the state 's Money Transmission Act reads : " Every licensee or its agent shall forward all money received for transmission or give instructions committing equivalent money to the person designated by the customer within 10 days after receiving that money, unless otherwise ordered by his or her customer. '' I am mindful of the Civil Procedure Rules and am seeking a mutually satisfactory settlement of this issue. As a result, I am informing you of my willingness to cooperate in voluntary, non-binding and confidential mediation.
Consumer complaint received 2016-06-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (OH)

I already filed a complaint and this is the answer I got from SLS. Exactly what I said they were doing. Forcing me into forclosure. I filed a dispute as well and this is their answer to the dispute. Do I have any help out there???????????? 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-02-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (OR)

I was booking airline tickets through chase travel. Chase travel advertises two fare classes, 1. business and 2. business flexible. The difference they advertise is that if you pay more for business flexible than your ticket is refundable. I spent over an hour on the phone clarifying this when booking the tickets in XXXX. This is false and misleading advertising as today I find out my tickets are not in fact refundable and now I have to jump through hoops with Chase to even get the fare difference back. I am astonished a card like chase is misleading customers this way but I guess we exist with capitalism.
Consumer complaint received 2018-03-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (ME)

over the last 2 years with several requests, Ocwen Loan Servicing continues to deny my ability to pay my own taxes and insurance. 
as a mortgage professional, who has originated several Ocwen loans to my clients throughout the years, I have had to personally assist 4 of them with issues surrounding Ocwen 's misuse and inability to manage the funds that are to be properly disbursed to the city tax assessors office and/or the insurance companies. 

After 12 years of paying my mortgage on time, and several hours of wasted conversations with the incompetent staff of Ocwen Loan Servicing, who give you the runaround and can not provide adequate answers for their inability to function properly, I ask that you investigate the abuse suffered at the hands of consumers by this company Ocwen has been issued cease & desists for originating loans by 30 AGs offices around this country, I am now requesting that a full investigation of the abuse and misuse of clients escrow funds and the need to revoke Ocwens ability to even service loans, never have I dealt with a more thoroughly incompetent group of people than the staff of Ocwen Loan Servicing
Consumer complaint received 2022-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

incorrect addresses on my credit report. 
my current address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove all old/incorrect addresses from my credit report.
Consumer complaint received 2017-03-07
Product: Credit card — 
Issue: Billing disputes — 
Company: Bread Financial Holdings, Inc. (NY)

I was shocked when I reviewed my credit report and found late payment on the dates below:

30 days late as of XX/XX/2015

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2022-02-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC (GA)

Several months ago I attempted to get into contact with the collection agency about verifying my debt. I also stated that if the debt was verified I would like a letter in the mail saying so. I also stated that I was willing to settle the debt for deletion if it was verified. Two months later I have yet to receive any kind of notice of the debt. I also didn't receive any kind of letter stating the debt. I found it one day on my credit report with no notice.
Consumer complaint received 2022-02-08
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. (OH)

I am not an attorney or third-party rep, there are accounts on my credit report that does not belong to me, and believe that this is an act of fraud. I have a legal right to dispute the following account : XXXX XXXX XXXX # XXXX
Consumer complaint received 2020-09-10
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. (NY)

Today XX/XX/2020 I received notice from cfpb that the company reponded and to provide feedback on there response. I had submitted a complaint about XXXX XXXX XXXX XXXX removing 4 positive in good standing/paid loans off my credit reports. I received a letter last month from XXXX XXXX XXXX XXXX XXXX that they will delete the delinquent loan ( which was outdated and incorrect anyway ) off my credit reports and re-instate the 4 positive loans ( satisfied ) back onto the credit reports. They still have not put these 4 satisfactory loans back onto my credit reports. They did delete the one showing delinquent but not the postive ones. This is affecting my credit score.  The letter from XXXX XXXX was advising me they would take care of this.
Consumer complaint received 2022-02-08
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: EQUIFAX, INC. (OH)

I am not an attorney or third-party rep, there are accounts on my credit report that does not belong to me, and believe that this is an act of fraud. I have a legal right to dispute the following account : XXXX XXXX XXXX  # XXXX
Consumer complaint received 2017-02-21
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (MI)

In XX/XX/2016 I received a HAMP modification packet from Ocwen. Myself and the co-borrower filled out the packet and submitted as instructed. We received an approval letter and instructions to make XXXX trial payments to start XX/XX/XXXX. The payment was sent via next day air and was made via money order. The payment was received and signed for on XX/XX/XXXX but they did n't cash the money order until a week later. They did n't record/post my payment until it was cashed and marked my account late. I then sent my XX/XX/XXXX trail payment via regular mail on XX/XX/XXXX and paid via personal check. They did n't try to cash my payment until a month later, my bank declined the check due to the date so I submitted it again via overnight express ( tracking numbers can be provided as proof ). They successfully cashed that check but again, marked my account late. I then immediately sent a personal check for the XX/XX/XXXX payment on XX/XX/XXXX. I waited and waited and again, they did n't try cashing the check until the middle of XX/XX/XXXX and again my bank declined the payment due to the check date. I again sent another payment in but just last week they sent a letter stating that I had to resubmit the payment via certified funds. I did that via XXXX. Today I received a notice stating that they will not accept the XXXX payment for XX/XX/XXXX and it has been returned. On the letter they state that we are over 90 days past due and that is why they would not accept my payment. Throughout the trial period Ocwen would send multiple letters, each one coming from different Ocwen office/department. None of the letters matched the other and they all had different information. Ocwen has also changed my relationship manager 3 times within the last 3 months. Each time they changed my relationship manager, I called them to try and get accurate info regarding the payments being recorded late. Each time I was advised that everything was ok and the letters were being crossed in the mail. Also each time, my previous call with my previous relationship manager was never recorded so I had to start all over with every call I made. Now Ocwen will not accept the last trial payment ( that was due and payment attempt was made before the XX/XX/XXXX ) or our XX/XX/XXXX payment as they said we are 90 past due. They are no longer honoring the signed HAMP agreement and my calls to them have not resolved the problem. We are now at risk of losing our home again because Ocwen will not accept payment-they will only accept a full payment of over {$6000.00} that they state is overdue. Ocwen has also given my phone number out to various debt relief companies without my approval and these companies call several times a day every day. I have all of their letters, tracking numbers, certified funds receipts, and my returned checks.