davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-01
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (MO)

I keep making payments through Synchrony Bank 's payment website, and even though I've used the same account for years and paid from it to my Synchrony Bank balances, they keep claiming it gets sent back as invalid. My Credit Union stated that Synchrony never made any attempts to request payment. This has happened on the XXXX  of every month for the last six months, as well as several other days, notably the XXXX of XXXX.
Consumer complaint received 2022-01-06
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TRUIST FINANCIAL CORPORATION (SC)

On XX/XX/XXXX I requested a payoff quote for my vehicle from XXXX. They emailed me a quote the same day showing a payoff amount of {$3600.00} with a expiration date of XX/XX/XXXX. On XX/XX/XXXX I sent in the full payoff by check. 

On or around XX/XX/XXXX they attempted to withdrawal my car payment, even though they had the payoff funds. I called the company to ask why they were pulling a payment. I was told that they did have the funds, but they had not been processed yet. They said to place a stop on the payment with my bank, as the loan would be satisfied in the next few days. 

Now they are telling me that my loan is not satisfied unless I make that payment, but I paid the amount listed on the payoff quote long before the expiration date. 

I think they held my payoff funds to exploit another payment from me. They have tried to pull that payment again, which caused my account to be charged a NSF fee. 

Ive spoken to an Operations Manager named XXXX several times. On XX/XX/XXXX he verified that the funds to payoff the loan were in suspense and would be applied over the next two days. He promised me a call back on XX/XX/XXXX, which never happened. 

I called back today XX/XX/XXXX, and was told that the payoff was short by the monthly payment amount of {$230.00}. 

Why would they try pulling a payment when they had the full payoff amount in hand? 

This company is trying to exploit XXXX XXXX.
Consumer complaint received 2022-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

On XXXX I sent a letter to XXXX, Experian and XXXX regarding inaccurate and unknown things on my credit report. 
To this day 90 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 90 days so it should be deleted promptly.

I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2017-10-08
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. (CO)

XXXX XXXX has an account listed on my XXXX and Equifax credit reports. The XXXX report does not have a recent balance but noted as paid. The Equifax report shows past due {$7500.00}. 

There was never a balance of {$7500.00} even according to documents received directly from XXXX XXXX. The Charge off amount is claimed to be XXXX yet the balance magically increases to {$7500.00}. 

I have disputed this account on several occasions. I have attached documentation Please delete this account immediately from all credit reports.
Consumer complaint received 2018-01-11
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (MA)

Calls my home over 5 times a day from 4 different numbers. They are looking for someone who does n't live here and is not associated with my phone number. I just received this phone # a year ago. I told them to stop via email/phone/ and BBB. Want all calls to stop. they have the wrong #
Consumer complaint received 2022-04-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2018-01-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Source Receivables Management LLC (MN)

Notified the company on XX/XX/XXXXthat some one had changed info in my account with out my permission and it was later notified to me it was management at the store. 
XXXXXX/XX/XXXX made contact and also onXX/XX/XXXX made contact thru XXXX chat with chat id # XXXX rep XXXX XXXX I had also made a complaint with the BBB and XXXX corp office contacted me and I 'm still seeing thid on my credit
Consumer complaint received 2018-01-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (CA)

Last XX/XX/XXXX, I sent this company a notice to this company to let them know that I am sending them a restrictive endorsement check. This company received the said letter last XX/XX/XXXX. They responded last XX/XX/XXXX but in their response, there is no mention of anything with regards to the notice they 've received. Last XX/XX/XXXX, as shown on the attached certified mail receipt, they received another letter from my enclosed is a check to pay the balance they are collecting. At the back of the check states the condition required for them to be able to cash the check. The condition is that, check can only cashed if the derogatory information will be deleted by this company. This company then cashed the check last XX/XX/XXXX. Even up to know XXXX has not removed the negative item from my credit report breaching our agreement. I have my XXXX ready to be filed as shown in the attached documents if with the third and final request, XXXX will not comply to the agreement the entered.
Consumer complaint received 2016-07-01
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: Townstone Financial Inc (IL)

I have recently began studying for the Federal ( XXXX ) for my NMLS certification. In the last 3 days I have learned more about unethical behavior as it pertains to lending than I have ever learned in a lifetime of " real world '' experiences. When I purchased my home in XXXX ( and refinanced in XXXX ) I was NEVER told about any of the required disclosures which would have afforded me the opportunity to make a truly informed decision ( especially as it pertains to rescission ). My monthly payments were never what was promised during closing, I have no idea what my true APR is currently and after closing I was asked to pay an additional {$3500.00} in closing costs " off the books ''. I felt rushed, bullied and pressured to sign ... but I had a family that needed a residence ASAP and I had to provide. 

I want to know what recourse I have currently to either restructure my loan, recoup expenses for the trauma it has caused my family or have this XXXX loan forgiven at the expense of the lender ( who has since sold my loan to XXXX, XXXX other people ). Since learning all of this information as a result of my studies I am, needless to say, infuriated that even after the XXXX deliberate destruction of our housing economy I am still experiencing ( and PAYING FOR ) these types of predatory actions! 

I did my business with Townstone Financial out of XXXX, IL. I can provide all other required information at your request. Thank you for looking into this matter. 

XXXX XXXX XXXX
Consumer complaint received 2018-01-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

On XX/XX/XXXX me and business partner hired a company called XXXX XXXX XXXX to dispute a county tax lien that we had from one of our previous businesses. XXXX XXXX XXXX guaranteed and promised that they will dispute our tax lien by paying them {$5000.00} ( XXXX XXXX dollars ). Me and my business partner waited 2 months patiently for them to act on our matter and were hoping that our lien issue with the state of Michigan was over with. When we contacted XXXX XXXX XXXX in XX/XX/XXXX they told us that they have not worked on our case and had no idea how much the amount we owed was basically they took our money and didnt provide any services. 
Me ( XXXX XXXX ) and my business partner XXXX XXXX decided to dispute the charges XXXX XXXX XXXX took from us XXXX from each person due to not providing us any services and not working on our case. 
I contacted my bank ( BANK OF AMERICA ) to dispute the charges unfortunately XXXX XXXX XXXX provided them documents which I never signed saying Iam okay with them taking my money even if they dont resolve my case. 
XXXX XXXX bank ( XXXX Bank ) was able to refund His XXXX charge and were able to investigate the case the right way My complaint is against Bank Of America for not being able to get my money back for me and telling me time fram is over even when I provided them documents on XX/XX/XXXX which was before the ending time frame period to have them reivestgate that company and find out how XXXX XXXX  was able to refund XXXX XXXX XXXX back however Bank of America did not put any effort and did not reivestgate and gave me the runaround for 10days till the time frame was over My second complaint is against XXXX XXXX XXXX for taking my money and refusing to refund me the charges.
Consumer complaint received 2018-01-11
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. (PA)

i have hard inquiries that appeared on my credit report across all three credit bureaus XXXX, XXXX, Experian on various different dates. I have contacted all three bureaus by mail about this incorrect information on my report. All three bureaus replied stating that it was my responsibility to investigate these creditors & matters individually. 

( XXXX ) XXXX XXXX - inquiry from XX/XX/XXXXXXXX XXXX - inquiry from XX/XX/XXXX XXXX XXXX - inquiry from XX/XX/XXXX ( XXXX ) XXXX XXXX inquiry from XX/XX/XXXX XXXX XXXX XXXX inquiry from XX/XX/XXXX XXXX XXXX XXXX inquiry from XX/XX/XXXX ( Experian ) XX/XX/XXXX - inquiry from XX/XX/XXXX XXXX XXXX XXXX - inquiry from XX/XX/XXXX XXXX XXXX - inquiry from XX/XX/XXXX XXXX XXXX XXXX inquiry from XX/XX/XXXX XXXX XXXX - inquiry from XX/XX/XXXX XXXX XXXX XXXX inquiry fromXX/XX/XXXX
Consumer complaint received 2021-02-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (ID)

Chase decided to lock my account on XX/XX/2021 and I've been told it's pending closure as of XX/XX/2021. They won't give me a reason why. I've called and also gone in to the branch today and they tell me I am not able to access my account AT ALL and that it's under review. They can't tell me why it's under review or anything. How are banks allowed to close someone's checking account and not tell them why or even let me gain access to their money? What if it was fraudulent, and someone out there has my info? What if they thought something looked suspicious but it wasn't so then my account is being closed for no reason at all! I wouldn't know because they won't give me any info! All the money I have to my name is held in my chase checking account. What the XXXX am I supposed to do if I can't access it to pay my bills, to buy gas or food?? This is the most ridiculous thing that I've ever had happen. How do they have the right to do this? I have no money currently due to this situation. They said they will mail out a check once the review is complete and that could take anywhere from 2 -10 business days maybe longer? I can't wait that long. I have bills due this week.
Consumer complaint received 2017-12-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (PA)

On XXXX XXXX/2017 I spoke with a Repetitive about an allege debt that XXXX XXXX XXXX claims that i am responsible for. I stated that I have know knowledge of this debt and it is a result of identity theft, I then stated that they are in Violation of the Fair Debt Collection Act by not sending me requested original documentation or agreement bearing my signature as validation of this debt as well as the Fair Credit Reporting Act by reporting unverified information to the Credit Bureaus, XXXX XXXX, XXXX and XXXX. and which is a defamation of charterer, that will be included in my Lawsuit with XXXX XXXX XXXX, if this matter is not resolved immediately by deleting this unverified debt from my credit file.
Consumer complaint received 2015-07-21
Product: Credit card — 
Issue: Credit determination — 
Company: BBVA FINANCIAL CORPORATION (AL)

Disapproved BBVA Compass XXXX XXXX Credit Card based on information from ; XXXX XXXX Credit Report, Reason " Insufficient Credit History '' and XXXX Reason " " Unable to Verify Indentifying Information ''. Credit score XXXX out of possible XXXX ' Other reasons ; 1. Proportion of Loan Balances to Loan Amounts. 2. Prop of Balance to High Credit on Banking Rev on All revolving Accounts. 3. Too few Accounts Now Current.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Hello greetings so i settled with the auto loan i have been told different things about when the account status will reflect closed i don't understand what is the hold up i received the settlement letter stating one the transaction post which it did the account will close i need to reflect that status there are other financial things i need to take care.
Consumer complaint received 2018-01-11
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Kohl 's repeatedly calls my phone number looking for someone who has not lived here for 5-10 years. I have told them that and asked them to stop calling me, but the calls persist. 

For example, Kohl 's admits that they called me on XX/XX/XXXX about XXXX XXXX. They admitted that I requested at that time that they no longer call me looking for someone else. Yet, on XXXX/XXXX/XXXX, at XXXX XXXX, Kohl 's agent named XXXX ( # XXXX ) called me looking for someone else. 

I am tired of the repeated harassing calls. I have never had a charge account with Kohl 's. This has been going on for years. I want it stopped. 

Note : I have never had a Kohl 's credit card.
Consumer complaint received 2018-01-11
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (NY)

I have had ongoing issues with the XXXX credit card issued by Synchrony XXXX. 
On Wednesday, XX/XX/XXXX I received an email alert that my automated recurring payment was not received. 
Today, XX/XX/XXXX I called the customer service number on the back of my credit card. 
It was a prerecorded line that had only sales pitches for an endless number of products and companies. 
I called the number again to make sure I did n't misdial. 
I had the same result. 
I went to the website and there was a different customer service number. 
I called that number and was connected to " XXXX ''. 
I explained the issue that I was signed up for automatic, recurring payments and that I did it the same day of my last phone call to customer service. 
" XXXX '' at first said he did n't see that I had signed up for automatic recurring payments and asked me unrelated questions. I explained the steps I took again and said that I can see my bank account number listed for my account on the website. 
He put me on hold for several minutes then came back and said that I did sign up for recurring automatic payments from my bank account but that it would take 1 to 2 billing cycles for it to take effect. I told him I thought that was ludicrous and poor customer service, then I asked him to remove the late fees and finance charges so I could pay the purchase balance in full. He then hung up on me.
Consumer complaint received 2015-10-08
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: U.S. BANCORP (WA)

I leased a XX/XX/XXXX XXXX S60 through U.S. Bank. The lease end date was XX/XX/XXXX. I returned the car to the XXXX dealership, as instructedXX/XX/XXXX. Nonetheless, U.S. Bank debited by checking account for a lease payment XX/XX/XXXX, even though the vehicle was returned and the lease was current, with no money owing.
Consumer complaint received 2017-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

My account has been in deferment for s few years as I struggle financially due to XXXX. I moved XXXX XXXXo a new home and XXXX XXXX apparently were unable to notify me I was near end of my deferment. When I saw a report of 9 lates on my credit report for my student loan I immediately contacted them to fix the situation. My account was placed back into forbearance starting XXXX which is before the alleged dates of lates. XX/XX/XXXX and XX/XX/XXXX. A month later and there is 9 more. This has substantially devastated my creditworthiness. I have filed multiple disputes and complaints to no avail. I have spoken with managers to no avail. I do not have the finances to make it very far in this situation.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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. (VA)

I am writing to formally dispute a number of errors, discrepancies, and unfamiliar accounts that have recently surfaced on my credit report. Upon a thorough review of the information provided by your agency, I have identified several inaccuracies that require immediate attention.
Consumer complaint received 2015-09-18
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: ENCORE CAPITAL GROUP INC. (CA)

Midland Credit Management filed suit in XXXX County, California 30 days after the 4 year statute of limitations expired on a debt. The only way I have been informed of a lawsuit was via a law firm sending a sales letter to my address. 

The debt was 30 days overdue ads of XX/XX/XXXX, suit was filed XX/XX/XXXX
Consumer complaint received 2021-02-08
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. (MD)

I've been disputing these accounts for months, they do not belong to me and should not bereporting to any of these bureaus ( experian, XXXX, or XXXX  ). Month after month theyhave not removed these false names, accounts, and inquiries on my credit report.
Consumer complaint received 2018-06-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (TX)

My name under Ocwen Account # XXXX, is XXXX XXXX but I divorced in XX/XX/XXXX & remarried in XX/XX/XXXX changing my name to XXXX XXXX. In our divorce my ex-husband XXXX XXXX was awarded our home and required to assume responsibility for the mortgage and I signed a quitclaim deed. Last month I found out he did not assume the mortgage and that I am still on the mortgage as a CO-BORROWER. In researching the loan I found that In XX/XX/XXXX while in loan default and foreclosure, XXXX requested XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Fl. to modify the loan without my knowledge. The loan modification trial was approved, forbearance payments were accepted and the loan modification was made all without my signatures. Ocwen wrote off {$8200.00} in my name which was reported to the IRS in a XXXX as income. In addition Ocwen reported the modification to the credit bureaus and ruined my credit ( FICO XXXX to XXXX  ). Now he is in default again and has been approved for another modification without my approval as co-borrower. I've contact Ocwen many times and they say although I'm a co-borrower on the loan and responsible for payment my signature is not required for loan modifiations because I signed the quitclaim deed. They have refused to allow XXXX to assume or refinance the loan in his name only. I have been denied a mortgage of my own with my new husband, can not finance a car nor anything else while this mortgage is on my credit history and remains in my name. It shows up as a {$290000.00} debt in my credit reports. Furthermore my ex-husbands poor payment history and debt discharges could eventually result in me loosing my job with the XXXX XXXX. And finally I did not know about the XXXX of {$8200.00} reported in my name until after I filed my taxes. THAT MEANS I'M NOW GUILTY OF TAX EVASION, WILL LOSE MY XXXX XXXX WITH XXXX XXXX XXXX XXXX XXXX   AND WILL POSSIBLY SERVE JAIL TIME!
Consumer complaint received 2016-05-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (MI)

The issues I have with Equifax and XXXX is that they failed to properly investigate an account that is on my file ( XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, Department of ED, XXXX XXXX XXXX ). I was told by a representative that they do not have to follow the law and had no resolution to these fraudulent accounts. I asked for copies of the documents they used to verify these fraudulent accounts but to no avail. They refuse to obey the law.