davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-14
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: SYNCHRONY FINANCIAL (CA)

Someone fraudulently charged on my credit card so I reported it and credit card company has denied the claim. I have spent hours on the phone with the company been transferred many times, been given wrong phone numbers to call and had to send a picture of my id.
Consumer complaint received 2018-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I live in Florida. I was affected by Hurricane Irma. So, my mortgage company agreed that I can stop payment for a few months. But they didnt mention any condition. They promised to work with me to resume payment. On the contrary, they were more willing to let my home go into foreclosure. I fought and made them design a payment plan for me. I complied faithfully with the plan. Nevertheless, they sent negative report to credit bureau. My score dropped by 150 points I asked them to fix the problem. They didnt do anything about it. I complained to the three credit  offices. Recently, Experian told me their investigation was completed. But I am still 60 days late in my account for XX/XX/XXXX and XX/XX/XXXX. XXXX XXXX told me they have a lot of customers and I have to wait. I feel like they are not doing anything to solve the problem. Please help me! I worked hard to build my credit.
Consumer complaint received 2021-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (WI)

On XXXX sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I like im being take advantage of and being ignored of my disputes. Section 611 ( a ). Its 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 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or t will file a litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hand of the wrong person.
Consumer complaint received 2020-07-13
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (OH)

I have had my TJ Maxx credit card since 2016. I have always paid it. Over the last 4 years, Synchrony Bank ( the company over the card ) has decreased my credit limit because of their policy on random credit report checks. I haven't said anything regarding any of that over the years. Now, 2 months ago, in XXXX, I paid off the remaining balance that I owed on that card ( it wasn't past due at all ), totally approximately {$150.00}. Two days later, unknown to me, they close my account. I don't find out until mid-XXXX when I tried to use my card, assuming I had my whole balance available. I called and spoke with a representative and she said that when they checked my credit, my score was low, so they closed the account. Now, I have 2 other accounts with Synchrony bank as well, XXXX  credit card and Victoria Secret credit card. I went thru and checked the activity on those accounts and noticed that they decreased my limit on those cards. I filed a XXXX  complaint and the company said, " they reserve the right '' to do that and that they would not be seeking a resolution. My issue is this, WHY, out of 3 accounts, did they close the one that I didn't owe money on?? Why not close the other card accounts as well? And HOW is that even ethical?! When I spoke to the representative, she said the account was closed TWO DAYS after they posted my payment, paying the balance off. They claimed to have sent me a letter stating what they were doing, but I never received any such letter and have had issues receiving correspondence from that company in the past. Of course, they claim to have sent it.
Consumer complaint received 2018-02-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lending Club Corp (TN)

Please help CFPB and take this seriously, there is derogatory information that is being reported on my personal credit file that is wrong and is making it difficult to find traditional work and secure credit. I have an unverified account from LENDINGCLUB showing a charge off of {$0.00} from 2011 with $ XXXX monthly payments. I have brought to the consumer credit bureau 's multiple times. They are also reporting that any potential employer is responsible to place a payroll deduction to collect this debt. I had previously disputed this account. I have never done business with LENDINGCLUB. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that LENDINGCLUB provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that LENDINGCLUB   Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Consumer complaint received 2020-07-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: WELLS FARGO & COMPANY (MN)

I cashed a check of {$4900.00} to my Wells Fargo account ending in XXXX on XX/XX/2020. I called Wells Fargo to let them know if was a fraud check and they indicated I could not cancel the pending mobile deposit. 
The check was deposited and I was given the {$4900.00}. Why was I given {$4900.00} if the check was fraud? It wasn't even from a real bank. How does Wells Fargo allow this for their customers? There is no safety for customers if that is the case. The money ending up getting reversed due to Wells Fargo not taking action when I told them ( on a recorded line ) that it was fraudulent. They did close my account and took action on my account ending in XXXX but NOT my checking account ending is XXXX. This would have not happened if they would have took my voiced concerns of fraud and safety when I called to tell Wells Fargo about the fraudulent check. I have received a letter from Wells Fargo denying my request for a {$2000.00} reimbursement ( see attached ) due to further investigation on a claim ( XXXX ). I have called the claims department several times to let them know that this transaction was NOT authorized. I was given a letter indicating that Wells Fargo combined all of my claims into one claim. There was a reson why I submitted multiple claims. I am aware as a customer I had told Wells Fargo that I sent two XXXX  transactions as instructed but the {$2000.00} was NOT apart of the charity or donations. Again, I told Wells Fargo that several times. 
I submitted a claim in the amount of {$1700.00} that was sent to a charity due to a job offer I took. The employer was a scam, he said he would pay me if I worked for him ( which I did what I was supposed to do ) and they ended up reversing the check. 
I was told I would receive the {$2000.00} from Wells Fargo and that the CASE WAS CLOSED on XX/XX/2020. 
Why was the case reopened? I am again requesting my {$2000.00} to be reimbursed into my account. I was told several times by Wells Fargo when I tried to get it reconsidered that " since the case is closed, there are no options to edit it. '' So why does Wells Fargo get to chose when to re-open a claim? Wells Fargo should not have closed the claim if they knew they had further investigation. I also never informed Wells Fargo to consolidate my claims. The {$2000.00} was not authorized and that was for merchandise that I purchased and never received along with the {$950.00} claim ( but this was got approved. ) This makes no sense why my latest claim got approved but this one did not. Please see attached for the letter sent to me from Wells Fargo. This is unacceptable.
Consumer complaint received 2020-01-21
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Synovus Bank (FL)

On XX/XX/2019, my husband and I applied for a mortgage loan through Synovus Bank. At that point we opened an online access to track the progress of our loan. We also submitted the requested paperwork. On XX/XX/2019 I reached out to our contact officer ( see below ) asking for progress on our loan application and received no response. On XX/XX/XXXX, I received a text message from her explaining she was out sick and would get back to me shortly. Still no information was provided. On XX/XX/2019 I texted her again with no response. On XX/XX/2019 I decided to call them and leave a message to her ( XXXX 's ) supervisor. That same afternoon, I received a call from her. At that point she finally sent me an email with information about XXXX XXXX XXXX XXXX XXXX ( XXXX ) and how to register. Upon taking our class this saturday XX/XX/2019 we learned we had to submit a complaint seeing that we feel that there has been a break of communication between this bank and us. There was no further follow up or plan so we can fix or obtain anything else needed. 

XXXX XXXX Mortgage Loan Originator SYNOVUS MORTGAGE XXXX XXXX XXXX XXXX XXXX, Fl. XXXX C : XXXX XXXX NMLS XXXX
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (GA)

I am filing a formal complaint regarding identity theft that has adversely affected my financial well-being. I believe I am a victim of identity theft, and I am seeking your assistance in addressing and rectifying the fraudulent activities associated with my personal information.
Consumer complaint received 2021-02-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Noticed that an unauthorized transaction occurred on my bank of america checkings account on XX/XX/2021. Someone transferred {$900.00} from my account using XXXX with an email I was not familiar with. Then they attempted 2 more transfers of {$850.00} and I called my banks fraud department immediately. I tried accessing my email to see why I didnt get notifications and I saw that the hacker was actively deleting them and constantly resetting my bank account credentials. They then attempted to transfer {$1000.00} and {$870.00} to separate emails on XXXX which were cancelled by my bank. I opened a claim and 10 days later I received a secure email from BoA stating that they rejected the claim due to the activity occurring on the same device that I use normally. How is that reasonable? I've been hacked and the hackers clearly tried to clean out my bank account.
Consumer complaint received 2022-12-14
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. (OR)

I recently reviewed a copy of my credit report in Equifax. It indicated that the credit inquiries were made by the credit companies listed below. However, these inquiries were not authorized by me. Therefore, I am writing to dispute these inquiries and have it removed from my credit report. In accordance with the Fair Credit Reporting Act. I respectfully ask you to investigate my claim and, if, after your investigation, you find my claim to be valid and accurate. I ask that you immediately delete the unauthorized Inquiry. 

XXXX XXXX XXXX Inquired on XX/XX/2022 XXXX
Consumer complaint received 2020-01-21
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: Experian Information Solutions Inc. (WY)

XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( 120 - 180 ) days late on the XXXX partial account numbers XXXX and XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account that has a {$0.00} balance. This false reporting of lates is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

In the course of reviewing my credit report, I spotted some inaccurate and fraudulent accounts that need reporting and correction through your company. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Consumer complaint received 2015-05-01
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Duvera Billing Services, LLC (AZ)

I applied to have a loan from a company named Duvera Financial so I can paid for my Truck transmission repair for the amount of {$1500.00} in XX/XX/XXXX. I assume they told me 3 months without interest, but I undestood XXXX month without interest so I gave my XXXX XXXX XXXX account number and they withdrawn the monthly payments from XXXX to XXXX XXXX for the amount of {$280.00} each payment. So when I made the XXXX payment I found out that I was only XXXX month without interest not XXXX months so I asked for the amount to pay off the debt and they told me {$1000.00}. 
I asked my daughter to lend me a credit card to payoff and I did it on XXXX XXXX for the amount of {$1000.00}. 
Days later my daughter forgot about the payment and asked the bank for more info about this company, but they never retained/stooped the payment but they only asked more information to this company ( XXXX ). In this time ( XX/XX/XXXX ) XXXX XXXX deposited a temporary sum of {$1000.00} in my daughter 's account while they investigated the issue.That is the moment XXXX called me and said that now I owe them the sum of {$1300.00} to pay off the loan. So in XX/XX/XXXX I paid XXXX Financial the sum of {$1300.00} to stop any confusion and more interest charges. Also we asked XXXX XXXX to stop the investigation and we plead Duvera to return the over-payment they told us they needed more time and they promised they will return the money by the end of XXXX. In XXXX we claimed XXXX XXXX to proceed and return the over-payment of {$1000.00} since XXXX never responded to us. In XXXX XXXX XXXX finally returned the amount {$1000.00}. 
I received a call from XXXX now saying they are going to send to collection because I owe them the sum of {$29000.00} and if I do n't pay them they are going to proceed with the collection process.If I pay them the sum of {$290.00} they will send me a letter to cancel the debt.
Consumer complaint received 2021-05-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Service Finance Holdings, LLC (NJ)

In XX/XX/2020, XXXX XXXX secured a finance loan on our behalf for windows and doors for {$13000.00}. The windows and doors were installed in XX/XX/2020. The finance company called to verify the installation went well and if they can began billing us. We told them no. That there were numerous issues and that all the windows and door needed to be taken out and replaced ( XXXX XXXX XXXX XXXX ). Service Finance company agreed and said they will continue to follow up. They did not bill us. They call every couple of weeks to ask. We told them the situation. We also asked them if they could follow up with XXXX XXXX. Time goes on and our windows and door are still not done. In XXXX, we received a letter from the finance company telling us that our 1st payment was due in XXXX. We called them and asked them how they can bill for a service that has not been completed? The representative told us that this has been going on over a 6 months and they paid XXXX XXXX so we need to pay them. She also said that since XXXX XXXX had installed the windows than it was our responsibility to pay even if it is not complete. I asked her why then have they not charged for the last six months when they repeatedly called and we told them the work was not done? She said all she can do is open the complaint but we need to pay the bill as they will mark it against our credit. So now we are stuck paying a monthly bill of {$170.00} for a service that has not been complete. We have not receive any communication regarding the complaint from the Finance Company.
Consumer complaint received 2016-02-25
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Arnold Scott Harris, P.C. (WI)

A Harris Law XXXX called me on several occasions telling me I owe a credit debt. The phone calls have been coming for the past 3 months. Verified my address with me told me to have my ID ready when I 'm served with a subpoena to be sued. Have not sent any verification for me to dispute this debt. This has been going on for months. Would like the harassment to stop.
Consumer complaint received 2017-01-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Maury Cobb, Attorney at Law, LLC (MD)

I received a letter stating that my account was placed with this office for a balance of XXXX from a XXXX bill that was paid when I transferred to XXXX, this bill has been placed with XXXX This is the 3rd collection company this paid bill has been placed with, I want them to stop calling my phone and please verify this debt I have a printed bill from my American Express account showing that this bill was paid in full. I had my wife to contact them and to verify is this was an actual law office because if not they are acting under false pretenses that this is an actual law office
Consumer complaint received 2019-05-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIZENS FINANCIAL GROUP, INC. (OH)

XXXX XXXX | XXXX  XXXX  XXXX  and XXXX  - XXXX  Purchase a old debt that belongs to my father. I believe this was some kind of business loan from 2005. XXXX XXXX | XXXX XXXX XXXX and XXXX - XXXX Attorney XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, OH XXXX I can't find any information on XXXX XXXX | XXXX XXXX XXXX and XXXX - XXXX I was never provided a account number I was never notified of any debt in my name. 

Threatened with fraud Threatened with lawsuit if I did not pay for debt that does not belong to me.
Consumer complaint received 2019-05-14
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: Experian Information Solutions Inc. (LA)

I received a notice that a dispute was initiated with Experian. I never asked, signed or submitted any online request specifically asking Experian to verify this account. How could someone do this on my behalf if my Experian account is frozen. Previous activity of identity theft is the reason I placed a security freeze on the 3 major credit bureaus along with the smaller ones. I was told a credit freeze would prevent this type of unauthorized request or inquiries from happening. Now that this request has already been completed without my permission I request the account in question be removed. If you can not remove it even though the request was done illegally I request the following be provided. 

1. Provide the letter or method that authorized Experian to conduct this dispute on my behalf.

2. Provide the method of verification used to verify the accuracy and completeness of the disputed information, including the business name, address, and telephone number of any furnisher of information contacted in connection with this re-investigation. 

I have attached a written request for the method of verification.
Consumer complaint received 2021-02-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (SC)

To Whomever It May Concern : My Name is XXXX XXXX and I've Contacted the CFPB about my Mortgage Co. ( Ocwen Mortgage ) and at one time ( Homeward ) and now ( Phh Mortgage. If I can just revisit the case # XXXX dated XXXX XXXX and get a Legal Answer to this Question even though ( Ocwen ) sent a statement that i never did understand why they ( Ocwen ) did this When we went to them for a Loan Modification and ended up with this Loan that added more to our problems than it solved. Why add {$40000.00} Balloon Pay to the end of this loan when we've paid every payment?
Consumer complaint received 2020-07-13
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: AMERICAN EXPRESS COMPANY (WA)

I'm a XXXXyear old male, hacked and scammed over my phone on the dates of XXXX XXXX. Scammer had me use Credit and Debit cards to purchase XXXX  Gift Cards at my local XXXX XXXX ( XXXX ) store as follows : XX/XX/XXXX : 2 purchased Gift Cards = {$990.00} ; XX/XX/XXXX : 4 purchased Gift Cards= {$1900.00} ; XX/XX/XXXX : 8 purchased Gift Cards = {$4000.00}. 

All these on my American Express Card. 
I also used XXXX XXXX debit card and XXXX XXXX XXXX credit card to purchasXXXX XXXX Gift Cards on those same days. Subsequently, after reporting the fraud to the XXXX, WA police ( XXXX # XXXX : this file can be accessed if needed ) and all the banks, XXXX and XXXX  XXXX XXXX credited my account for all the losses. 
I spoke with several American Express representatives over the past two months, and last week was told by a Supervisor that they didn't consider my case as FRAUD, but " the product purchased was damaged or not as described. ''
Consumer complaint received 2023-07-24
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ENCORE CAPITAL GROUP INC. (IL)

Midland credit management. Inc I received a summons for court in XXXX. I called to make a settlement offer. Spoke to XXXX  in attempt make payment arrangements. XXXX XXXX identified during call as a lawyer representing Midland credit management , Inc . I offer a payment plan if was refused XXXX XXXX stated that I owed another debt and would be unable to make offer unless each debt was payed together. I had not received and notices of other debt owed. So this led to a garnishment due to this.