davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL (VA)

The company offered bonus points on gas, food and other purchases for the month of XXXX. I decided to take advantage of the offer for bonus points. I used my card and currently have a balance of {$1100.00}. The company closed my account with no prior notice and in return I lost all the extra points I had acquired. Upon contacting the company I was told that my account was closed due to high risk! Prior to the bonus offer I had not utilize the card since XXXX, nor have I missed a payment. This company is using deceptive practices to lure customers into using their product then penalizing them. Due to the company abruptly closing my account this will affect my credit rating and score in a negative manner.
Consumer complaint received 2022-12-14
Product: Debt collection — Medical debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: HCFS Healthcare Financial Services of TeamHealth (NC)

For the past several months, Healthcare Revenue Recovery Group ( HRRG ), has been repeatedly calling my phone before XXXX each day. I have requested a " cease and desist '' all communication ; but it has been ignored by HRRG. The harassment has been ongoing.
Consumer complaint received 2020-10-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.
Consumer complaint received 2017-08-10
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. (CA)

I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : XXXX XXXX Account # : XXXX I was never late 30, 60, 0r 90 days late in the month of XXXX. I 'm not sure how this happened. I have alway made my payment on time to you when I received my statement. My only thought is that there was a billing error with my statement.
Consumer complaint received 2021-01-25
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: JPMORGAN CHASE & CO. (KS)

On my credit reports there is a closed account with huge amount of missed payments. JPMCB - CARD SERVICE ( opened XXXX. XXXX, 2017 ) Its not mine account. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA JPMCB - CARD SERVICE has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Consumer complaint received 2017-07-06
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. (NY)

My complaint is against XXXX : On XX/XX/XXXX an auto loan was issued to me from XXXX. Due to a miscommunication, the loan was not paid for a period of time and was repossessed, but redeemed within a 24 hour period. The loan was paid in full as of XX/XX/XXXX and the account at XXXX was closed. <P/>In XX/XX/XXXX when applying for another auto loan it was brought to my attention that XXXX were reporting the current status on the XXXX loan as " repossessed '' and was reporting various inaccurate " late payment '' marks from multiple dates from XX/XX/XXXX-XX/XX/XXXX after the account had been paid and closed. In speaking with XXXX, they reported that they had not been reporting any late payments since closing the account. XXXX separate disputes were filed with XXXX ( completed on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) to correct these inaccuracies and each time the current payment status remained " repossessed '' and the late payment marks remained inaccurate. Each time a dispute was made and completed, the pattern of late payments changed as well, although was still reporting dates after the account had been closed ( See attached : XXXX Credit report filed XX/XX/XXXX ). <P/>As of today, XX/XX/XXXX, XXXX is reporting there were two on-time payments made in XX/XX/XXXX and XX/XX/XXXX and one missed payment in XX/XX/XXXX ( See attached : XXXX  Screenshot XXXX ) Note : Inaccuracies are also reported in the same way from Transunion and XXXX credit reports, although when comparing them the payment history does not report the same patterns ... see Transunion and XXXX attachments
Consumer complaint received 2017-07-06
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. (CO)

Experian has  XXXX  items on my credit report that do not belong on there.   XXXX   1.   XXXX   XXXX  Was never late and that account does not even exist anymore. They have even said in the statement they can not verify it but they keep reporting it as paid late. The account was never late, it was never defaulted on. Make them remove this immediately, it is past the 7 years that it is supposed to be reporting anyway.   XXXX   2.  On my  XXXX   XXXX  they have a negative comment that I had disputed this account with them, why it has never been late and always paid on time. Remove this comment immediately.   XXXX  It is apparent they are trying to hurt me financially.
Consumer complaint received 2016-11-15
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SUNTRUST BANKS, INC. (FL)

A credit card was opened in my name with Suntrust Bank.I have a fraud alert on my credit report stating to contact me at my phone number prior to issuing any new credit. Suntrust has closed the account but not tell me why this account was opened without contacting me first.
Consumer complaint received 2023-08-07
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: BARCLAYS BANK DELAWARE (TX)

On XX/XX/2023, I received a letter from XXXX XXXX XXXX 's XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX. This letter contained information suggesting I owed a debt to Barclay 's Bank of DelawareXXXX XXXX XXXX XXXX XXXX. This is a judgment, interest, and the total amount attempting to collect is {$6600.00}. The case number is XXXX. I contacted the XXXX 's Office this morning, XXXX, and spoke with the individual handling this case. XXXX XXXX XXXX, Deputy- contact number is XXXX. XXXX XXXX gave me the telephone number to contact XXXX and XXXX. I immediately contacted her via telephone today at XXXX XXXX  XXXX. I spoke with a lady named XXXX. I explained to XXXX XXXX that I do not owe this debt. I then requested their mailing address and proof of this debt. I was informed that they would mail out information to me within the next thirty days showing proof of this debt. My major concern is negatively affecting my credit bureau, as well as this hanging over my head.
Consumer complaint received 2019-10-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION (GA)

On or about XX/XX/2019 I contacted my bank about a deposit that's was coming in needed to be returned to my employer. I talked with several people including 2 supervisors and they told me the funds had been returned as of XX/XX/2019.  QUOTE - The funds have been sent back. after 18 days my payroll department contacted me asking me where are the funds? Navy FCU has a recorded call stating they have sent the funds back. Now my job is on the line because of what Navy FCU told me. I follow NFCU instructions and now my job is on the line.
Consumer complaint received 2018-07-16
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. (TN)

This XXXX XXXX account # XXXX or account # XXXX has been paid-in-full. XXXX XXXX was contacted directly on XX/XX/XXXX and again on XX/XX/XXXX. It is not " Derogatory '' or in a " Payment Plan ''. It should be listed as " closed ''.
Consumer complaint received 2021-07-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A. (TX)

In 2017 we canceled our card due to fraud and requested a new one. We continued to make payments on the account but they were only applied to new charges on the new account, resulting in the previous account being charged off as bad debt. This was all due to an internal glitch at Citi which was eventually resolved on their end, but negative credit reporting still exists. Please see attached correspondence..
Consumer complaint received 2017-08-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (CA)

I had a fight with Chase Credit Card on a business card that I was not responsible for as I was a XXXX XXXX in the XXXX XXXX I left. We went round and round. They could not provide a written contract that I was responsible for the credit card. I think it may have been the business agent at Chase that did it. After a long fight I was able to get them to discharge the debt, but they still refuse to take it off my personnel credit report. On top of that even though I have an excellent credit score at XXXX. Chase is denying me credit cards that are attached to other companies, such as XXXX XXXX etc. Based on a lie of delinquency and derogatory relationship with the bank. Our relationship has definitely been rocky but I have never been delinquent on any of my credit card or mortgage payments. Even the mortgage payment I have is with Chase. I think they put me on some kind of secret Black List because in the explanations I have given to other credits etc I excused them of being like XXXX XXXX and opening business credit cards without letting the person know. I have attached their letter of denial and my letter of explanation of the business credit card issue. If you need additional documentation of information please contact me.
Consumer complaint received 2022-04-05
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. (PA)

This is a complaint against timeshare XXXX XXXX. I've dealt with their employees whom I can't remember the names of, they have my ID during this time, they all claimed to not work on commission and to be something other than a salesperson. They told me I can definitely make money from this timeshare such as earning rental income, they said I can rent it out ; they also said it had some tax benefits or I can also make money if I re-sell it because according to them, the resale value would go up. Everything were just lies. They also lied about maintenance fees, they told me at some point that I will never have to pay maintenance fees again, convincing me that it was actually a good financial investment. They promised things would be positively different but each time things just keeps getting worse. I felt pressured especially when they said they needed " corporate approval '' in order to grant me the price being offered and it's my last chance at the lowest price considering the fact that the resale value would go up. They had me in the meeting longer than what they said it will be. It was supposed to be 45 minutes but it turned and cost me almost 3 hours of my vacation. I was never made aware of all the fees involved. I didn't know how to cancel, they never properly educated me regarding their cancellation process, like how many days to cancel and such. I even requested to cancel but never received help from them. This timeshare is just a financial burden that I really can't use, which was different from what they made me believe it would be, using false and misleading statements in order to convince people, it's just plain fraud. They lied and take advantage of people, coercing, convincing us with enticing unreal sales tactics. I was simply defrauded by them.
Consumer complaint received 2020-10-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

I have tried calling on several occasions to get this resolved. During covid no one answered the phone. Everytime I did get someone they could not figure out how to credit me unapplied funds. It escalated to a supervisor but still no letter no refund and no call back. I would like a refund of the unapplied payments and a overpayment. {$2400.00} I since sent on XXXX a certified letter explaining why I have several overpayments that I would like returned. It has to do with paying on the app. ( glitch ) I have the letter and the copy of my certified letter and receipt attached. No
Consumer complaint received 2021-03-30
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (CA)

I was told to send the front and back copy of the prepaid visa card {$100.00} and receipt from XXXX 's where i bought it, so i did in XX/XX/2020. I faxed it together with the copy of my Driver License, receipt and proof of address. They said I should have the replacement Visa prepaid in 90 days. It is already more than 100 days and I have not received any.
Consumer complaint received 2019-10-31
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CHARLES SCHWAB CORPORATION, THE (IL)

Hello, I went to Schwab at in XXXX on XXXX XXXX to open an " checking account '' and credit line. I filled out the application with XXXX XXXX-personal banker specialist and I also provided 2 years of family wealth that I get from XXXX XXXX XXXX XXXX. I own a property for 13+ years which is on the market now and the proceeds of $ XXXX. 

I went back the next day. XXXX never called me, the account was closed, I spoke to the bank manager and he wished me will and never helped me his name is XXXX XXXX. 

Schwab gave me the reason the account was closed was that XXXX was reporting it couldn't be opened. 

I have had identity theft and a police report so I have never reported to XXXX or corrected anything with them. I do have a file number with XXXX and I believe we are still working through issues. 

The account should be opened with a credit line. I have contact their customer support to escalate the issue.
Consumer complaint received 2019-10-31
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (FL)

Time is of the Essence to this request.

I want to file a complaint against HSBC BANK of New York. 

I have contacted the HSBC Wire Department and Federal Reserve Bank XXXX without any progress. HSBC wont talk to me! Its my money. 

I started a Wire Transfer XX/XX/2019 of XXXX $ Reference # XXXX at XXXX Bank XXXX XXXX XXXX, XXXX XXXX has some arrangement with HSBC Bank in New York to be the intermediary. I contact HSBC and they refused to check status. I contacted XXXX same result. I sent wire expected quick delivery. Please prosecute, penalize and take enforcement action. I paid fee of {$50.00}. 

Funds were not transferred and not returned by HSBC Bank New York. 

XXXX submitted a Cancellation request on XXXX XXXX and funds have still not been returned!!! HSBC Has had my money for 13 days!
Consumer complaint received 2017-08-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (GA)

Wells Fargo is the servicing a loan for XXXX XXXX XXXX XXXX, as Trustee under the Trust Agreement for the Structured Asset Investment Loan Trust Series XX/XX/XXXX and they are attempting to foreclose on my property unlawfully. Also, while in the process of a modification, XXXX XXXX was out of business when the loan was transferred, and they were the original Holders in Due Course of the loan. Therefore this loan trust does not have standing to foreclose on my property
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: NAVY FEDERAL CREDIT UNION (CA)

I have been XXXX XXXX the last six filing dispute on mortgage payments reflecting proper balances on the credit reports.I keep getting the runarounds.The balance shows XXXX and we owe XXXX.
Consumer complaint received 2019-10-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CO)

I have a first and a second with my home at XXXX XXXX XXXX in XXXX XXXX Co -- my first has gone from XXXX to XXXX to XXXX and now Loan Care ea company before Loan Care declaring bankruptcy and stealing the escrow in each case -- a federal just in the case of XXXX, a XXXX owned company, actually entertained a class action law suit for lender placed insurance and it cost me 6 months of extended insurance above and beoynd of about {$300.00} per month for 6 months -- the bankruptcy court ruled in the corporations favor and sent us a measely check of {$63.00} -- I did not even cash mine as did not many others and this causes the loans to be sold resold. When my insurance agent popped my insurance 61 % Loancare increased my monthly payment 71 % and sent me a new escrow statement even after I replaced the original amount that they were asking for with a new payment of {$510.00} from {$450.00} and the replacement check of {$870.00} as Loancare asked -- Original amount was {$1700.00} -- Loancare consequently never credited my original escrow account and sent me another escrow statement asking for original {$1700.00} and a house payment of {$770.00} -- these escrow accounts are only scams by loan servicing companies and they prey on older folk like myself at XXXX years old to comply. I say U.S. Govt fix this XXXX -- people are being treated very poorly and hard earned retirement savings are being stolen by major corporations. I contacted Senator XXXX office and XXXX put me in contact with you -- I have contacted XXXX XXXX and also sent them the information.
Consumer complaint received 2019-10-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (VT)

Representative by the name of XXXX XXXX called my personal mobile number to attempt to collect debt that is not mine. I address the concern and asked not to call again, but she was rude and abrupt. I asked to speak to a manager but she released the line. I want to address the compliant and request that her and/or the organization does not call me. 

Thank you, XXXX XXXX
Consumer complaint received 2023-01-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MRS BPO, LLC (NY)

I have made a few attempts to take care of a debt that I dont owe from XXXX XXXX XXXX XXXX I contacting MRS BPO Associates, each time I have explained why I do not owe this debt. Just today, XX/XX/23 I called to ask for email address to send my proof that I do not have any debt. The person I spoke to, today and on another occasion was very rude ( yelling, combative, accusing ) and very verbally abusing.
Consumer complaint received 2023-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CA)

This is the third time I come here to file a complaint. These bureaus keep sending me the same letters! How is nothing being done??? XXXX equifax and XXXX continue to respond with verified I have already submitted the letter from XXXX nexus where it has come back as UNVERIFIABLE and it has been removed from their system! How are the bureaus still reporting it as verified I have also been in contact with the courts and they DO NOT report to any bureau!!! Why do they continue to waste my time and send me the same letters! This is a mockery! Im in the process of purchasing my first home and this is greatly affecting me and stressing me out! I demand they take accountably for reporting inaccurate information and remove it from my credit. Please take action! I have submitted yet again, the letters XXXX, equifax and XXXX have sent me, the same letters they continue to send me as verified I have also attached yet again the XXXX letter where they were NOT ABLE TO VERIFY IT AND HAVE SINCE REMOVED IT FROM RECORD! XXXX has removed it since XX/XX/XXXX!!! We are now in mid XXXX! Why is this still being allowed!!!
Consumer complaint received 2022-04-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (CT)

I reviewed my recent credit report and upon checking I noticed that there is inaccurate and fraudulent account that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here is the list that indicates the company name, balance, and date last reported : XXXX / {$62.00} / XX/XX/2022