davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (CA)

On XX/XX/XXXX an automatic direct debit payment of {$580.00} was withdrawn from my bank account by XXXX XXXX but that payment was never applied to my account. I have called XXXX XXXX several times about this. First they had no record of the payment they asked me to get some information from the bank about the withdrawal and call back. When I called back the first person I spoke to hung up on me but I finally got someone to listen to me but I was transferred several times to different operators. Then finally I got someone who seemed to know what he was doing but he still couldn't find my payment. He told me to upload my bank statement showing the withdrawal to my account and he would send the complaint to his supervisors. Weeks later having heard nothing I called again I was told the complaint was submitted on XX/XX/XXXX more than a week after my initial call and he told me it would be up to 15 business days before I get resolution. I called again after 15 business days had passed and no resolution and was told it would take 30 to 35 business days. It has now been over 2 months since my payment was withdrawn.
Consumer complaint received 2022-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (NV)

unauthorizes inquiries on my XXXX XXXX report SYNCHRONY FINANCIAL XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX/XXXX  XXXX XXXX - XX/XX/2021 SYNCHRONY FINANCIAL XX/XX/2021 Location XXXX XXXX XXXX  XXXX, OH XXXX XXXX ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX XX/XX/2021 Location XXXX XXXX XXXX XXXX, FL XXXX XXXX ( XXXX ) XXXX Inquiry Type Individual XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 Location XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX, MO XXXX XXXX ( XXXX ) XXXX Inquiry Type Individual
Consumer complaint received 2016-03-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (AR)

I have submitted a complaint before against Capitol One Home mortgage because I was n't receiving my statements for my loan. They did respond back and " magically '' fixed the glitch in there system, that they never could explain why it happened. Since I have had such a horrible time with capitol one I paid my home loan off on XXXX 2016. I had to make several calls to even get a letter confirming the pay off. It is now XXXX XXXX 2016 and they still have not sent the paperwork to the courthouse in XXXX XXXX arkansas so the deed/lien can be released. When I try to call and find out why it is taking so long the only reply I get is that by law they have 60 days but no one can tell me why it is taking so long or even what step the process is in. Since I have had such a horrible experience with capitol one and this loan ( which was never late despite no statements being mailed and paid off early ) I worry that the whole process will not be complete for whatever reason capitol one can come up with. This is my home loan so I am very concerned, I would like to know what is going on with the process and when I will receive my lien release and proper documentation. I spoken with XXXX XXXX one time and when I tried calling back to see if he looked into the matter and could explain things I only get voice mail. I understand paperwork takes time but it has been 40 days and capitol one 's lien release department has not processed anything as of today per XXXX in the customer advocacy center of customer service. I would like someone to look into there process and guidelines regarding lien release. Customers should n't have to wait this long to have there paid off property released.
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

Gramm-Leach-Bliley Act ( GLBA ) : The GLBA requires financial institutions to provide consumers with privacy notices explaining their information-sharing practices and to obtain opt-in or opt-out consent before sharing nonpublic personal information with non-affiliated third parties. 

Fair Credit Reporting Act ( FCRA ) : The FCRA regulates the collection, dissemination, and use of consumer credit information. It requires consumer reporting agencies to obtain permissible purpose and consumer consent before providing consumer reports to third parties. 

These federal statutes establish requirements for obtaining consumer consent or permission before sharing personally identifiable information and aim to protect individuals ' privacy rights and sensitive data. 

Neither Equifax, XXXX, XXXX, or XXXX XXXX XXXX XXXX can produce the disclosures that I was required to receive by law to share my personally identifiable information with a non-affiliated third party. 

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, states : ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

Failure to provide these disclosures and the subsequent sharing of personally identifiable information amounts to identity theft.
Consumer complaint received 2022-03-02
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (GA)

Comenity Bank has closed my Victorias Secret credit card account without my consent. The due date for the attached bill statement has not arrived yet and this is my very first statement. Pursuant to 15 USC 1602, this account is an open-end credit plan. Also pursuant to 15 USC 1602, the closure of my account is unauthorized use of my credit card as I did not consent to nor request closure of the credit card account. I simply requested from a consumer reporting agency that the account not be communicated on my consumer report as this is my legal right. 

Upon contacting the customer care number on the back of my credit card on XX/XX/2022, I was told that my account was closed because I initiated a dispute with a consumer reporting agency. This response does not constitute a valid reason for closure of my account.
Consumer complaint received 2020-11-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (FL)

Beginning on XX/XX/XXXX I contacted my mortgage company for assistance during the COVID 19 outbreak. I was told there would be no assistance for me. My original hardship was the passing of my parents and then the pandemic curtailed my income. I was told that the loan had had the maximum of modifications allowed and could not get anymore. I asked for a copy of the modifications they said I received modifications in XXXX, XXXX and XXXX. My father passed in XXXX and my memory recalls a short sale approval but not a modification. I have been asking for copies of the modifications and the " ticket has been open '' since XXXX, XXXX and still can not get a copy. Also, I have been explaining that I need pandemic assistance and not only did my lender tell me no, they have been moving forward with the foreclosure case, docket attached in the document area of this complaint. Also, I have been attempting to get this loan in my name as it is still in my deceased mother 's name but they have told me I need a modification to do so and they are stating I had three but will not send them to me or prove it in anyway. I am asking for proof of all modifications, some assistance with COVID and a stalling of my foreclosure case so that I may not be homeless during a pandemic. The request for assistance was made in XXXX and the docket shows they are still trying to sell the home.
Consumer complaint received 2017-04-25
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: American Financial Resources, Inc. (IN)

Loan Assumption  closing on  XXXX   XXXX ,   XXXX   This has been a horrific process!    Original Loan f rom  XXXX  and  XXXX   XXXX   XXXX  AFR/ XXXX .    XXXX   XXXX   XXXX   XXXX , In  XXXX  was assumed by  XXXX   XXXX   XXXX  on  XXXX   XXXX ,   XXXX   File #  XXXX  through  XXXX ,  XXXX .   We requested an assumption package from AFR per their request and was completed per their request in  XXXX  this process took approximate 5 months with numerous paperwork requests from both parties.   I have contacted  XXXX  and left numerous messages with no return calls. I have been receiving bills still on this home from AFR mortgage  XXXX  when  XXXX   XXXX   XXXX  has received bills from his assumed loan from AFR and is making payments, but yet I am still receiving bills. When I called AFR I was told they needed a copy of the Recorded agreement,  XXXX , and  XXXX . This should have all been taken care of through their own company/title company and subcontract company. I spoke with a supervisor  XXXX  who stated he was unable to assist me through customer service. Please Help! We closed on  XXXX   XXXX ,   XXXX   and this is still an issue.  XXXX   XXXX   XXXX  or  XXXX   XXXX   XXXX  I have sent all the information that was given to me at closing,  XXXX  has all the copies because we closed at the house and he was the buyer/assumee.
Consumer complaint received 2023-07-26
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Upstart Holdings, Inc. (PA)

I have made all my payments on time starting with the first one. There is a 30-day late payment on my credit report. I have tried talking to the lender about the error and they can't or won't help me fix this issue.
Consumer complaint received 2022-03-02
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: Experian Information Solutions Inc. (TN)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should 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 2022-03-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should 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 2022-08-10
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (CA)

I have sent 3 secure msgs and called Comenity Bank yesterday ( XXXX ) about the XXXX $ charge and they refuse to refund it because they say it's been paid. I've never heard of such a thing. I had problems making payments because of their system. I have also informed XXXX & XXXX regarding the service their bank of choice is giving. I may decide just to cease using the card because of the hassle of using it.
Consumer complaint received 2023-01-27
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. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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Consumer complaint received 2017-04-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (FL)

I settled out an account w ith Midland and now they are reporting data to  XXXX  stating I owe the difference which is false. I have disputed several times and  XXXX  state Midland verified. This  is not right I am requesting removal ASAP of this false item I do n't know what else to do.      XXXX  has listed Midland Funding LLC  XXXX  {$290.00} owed which is FALSE
Consumer complaint received 2024-02-25
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (TX)

I made a home project purchase from Lowe 's through Synchrony Bank XX/XX/XXXX. 
XX/XX/XXXX, I purchased a stove and ceiling fan which was incorrectly applied to home project account. I charged and paid off in full the same day. Because of the mistake Synchrony is charging interest on that purchase on a daily basis which keeps my interest rate higher than it should be and they refuse to correct the mistake and credit my account. They also applied a Lowe 's refund of {$70.00} to the account when Lowe 's said it would go to me. {$870.00} was the price for the stove and fan. XXXX sold and installed the home project ; Lowe 's provided it and synchrony finances it. The contract is {$180.00} dollars over XXXX mts total {$22000.00} without 9.9 % interest .9.9 % on {$14000.00} XXXX XXXX totals {$13000.00} which is way too much money on a {$14000.00} dollar purchase. I have requested a copy of the contract they failed to provide and got the run around. in spite of the {$180.00} mt agreement Synchrony has increased my payments to {$210.00} a mt which is more money in total. Also, I have a letter from the bank stating could pay off the entire balance with no interest within XXXX mts but I was denied when I inquired. When I purchased, I was told the interest was already built in by XXXX and Synchrony but then they started XXXX $ without notifying me so I lost the chance to pay minimum +interest. I would like mistakes corrected my due refund and a chance to pay it off. XXXX XXXX XXXX XXXX XXXX Thank you.
Consumer complaint received 2022-09-07
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Add-on products and services
Company: SYNCHRONY FINANCIAL (MO)

Found charges for " card security '' on an Amazon synchrony card that I never enrolled for. They said a box was checked when I signed up for the credit card - I never checked a box requesting this. The company refunded the charges for XXXX - but apparently have been charging them since XXXX. I was told a supervisor was unavailable but one would call me back within 24 hours on 2 occasions and no calls were received back. Third time I called I was still told there was no supervisor I could speak with I requested to hold until a supervisor could be located. I was on hold for over 50 minutes and was told they could not help me.
Consumer complaint received 2015-09-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: AFNI INC. (IL)

I contacted AFNI in regards to this debt with XXXX XXXX XXXX that appeared on my credit report. At the time they state that this debt occurred I was only XXXX years old and have never had phone service with XXXX XXXX XXXX and someone must have used my information to establish service.
Consumer complaint received 2024-02-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: CrossCountry Mortgage LLC (FL)

IN XX/XX/XXXX, I SEND A CHECK # XXXX AMMOUNT OF {$3400.00} TO COVER THE PAYMENT FOR XX/XX/XXXX AND XX/XX/XXXX. CROSSCOUNTRY INSTEAD OF PUT THE PAYMENT WAS REQUEST VERY CLEAN ON MEMO OF THE CHECK. THE CROSSCOUNTRY PUT THE PAYMENT FOR MORTGAGE PRINCIPAL, CAUSING ALL THIS PROBLEM. 

I HAVE CALLED SEVERAL TIMES TO FIX THE PROBLEM AND SENT A COPY OF THE CHECKS, PAYMENTS. 

XXXX AND XX/XX/XXXX - PAID ON XX/XX/XXXX CHECK NUMBER XXXX XXXX - PAID ON XX/XX/XXXX CHECK NUMBER XXXX After several calls to Crosscountry Mortgage, I thought the problem was resolved until I received a validation of debt letter.
Consumer complaint received 2017-04-25
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Financial Credit Service, Inc. (CA)

I got a call from a company called Asset Recovery Associates or  ARA c laiming that in  XXXX  i opened a credit card with a company called Express and i stooped paying them in  XXXX , the original amount was {$5000.00} with interest and fess its {$15000.00}, but they are willing to take to original amount of {$5000.00}, i told them to give me 24 hours to make sure i owe the money or come up with the money, the response was  u need to pay  us {$1500.00} over the phone today or we will put a lean on your house, i asked for explanation, i Called The FBI and they recommended to file a scam report with you.
Consumer complaint received 2017-04-25
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Advantage LNS Inc. (OK)

XXXX  at  XXXX   XXXX   XXXX   XXXX , TX  XXXX  has failed to validate a debt that was discharged in court prior to reporting to credit bureaus. After I noticed this on my reports, I filed a dispute again. They still failed to validate and continued calling me after repeated cease and desists were sent to them. This company failed to report a phone number on my credit bureau.
Consumer complaint received 2015-06-26
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Paypal Holdings, Inc (VA)

PayPal closed my account due to me disputing transactions I did not authorize. They even closed my friend account because he was allowing me to use his account. They will not let me re-open it at all or create another account even after I verify my identity and verify I did not authorize those transactions. I have tried reaching out to higher departments but it is all the same no one will help me.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. This is an error that you need to look up into, so please do your investigation on this and remove or delete this account from my credit report.