davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-20
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 — Problem with personal statement of dispute
Company: SYNCHRONY FINANCIAL (CA)

XXXX has their credit card issued through Synchrony bank and this company has been notorious in not crediting back charges which were made for undelivered items abd then tacking on late fees and finance charges for a whole year to report it to the credit reporting agency despite my calls to dispute the amount since XXXX of XXXX, XX/XX/XXXX when i was assured that the credit would show up on the next statement and it never did. I spoke to them again in XXXX wherein I made a payment for items that got delivered but again I was told that the credit had not been applied from the prior dispute and that they would take care of it in XXXX. Months went by and in XXXX i started receiving collections calls but this was incorrect since the account was supposed to have been credited to bring it to XXXX  balance. I disputed again with synchrony and the collections three times and NOT once did they send me any information regarding the resolution of the dispute. Why should i be penalized for their nondelivery of service. This bank is shady as they say they will investigate and never do, instead they pile on charges and report to ghe credit bureau - they are still dogging me for collections when I have written to them, disputed every single time. I disputed it with XXXX but nothing came of it. Hence this complaint.
Consumer complaint received 2019-12-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A. (CA)

Flagstar XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX XXXX We have been trying to send the attached documents to Flagstar we have faxed them in multiple times and they will not go through. I have this exact problem on another file, and this has been ongoing for the last several months with Flagstar on ALL our short sales with them. I have called in and attempted to get another fax number or an email address, and Flagstar has refused. 

Since their fax number has not worked for several months, the only way to get documents to Flagstar is to file a CFPB Complaint and attach the requested documentation. 

This is not acceptable and needs to STOP IMMEDIATELY. 

XXXX Flagstar currently does not have the ability to service their files and is in violation of their contractual servicing obligations.
Consumer complaint received 2022-11-15
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (TX)

Citibank, N. A. closed all of my accounts ( checking, savings, and credit card ) without notifying me. Presumably they closed my accounts because some anti-fraud trigger though they will not tell me the reason. I transferred a lot of funds to these accounts because CITI is offering bonuses to transfer large amounts of money to the accounts within a certain time limit of opening the account. 

I had my Citi XXXX XXXX open on XX/XX/2022 - CITI was offering XXXX Citi XXXX points with {$4000.00} spend, which I earned and these points were available in my account. Now I can not access these points. 

I opened a Citi XXXX XXXX Savings account on XX/XX/2022. CITI was offering a bonus - CITI was offering a {$450.00} cash bonus for funding the account with at least {$50000.00}. I transferred {$68000.00} + to this account, money which I now can not access I opened a Citi checking account on XX/XX/2022 - CITI was offering a {$500.00} bonus for depositing at least {$30000.00} into this account. I transferred {$10000.00} to this account via XXXX from my XXXX account and {$14000.00} from my XXXX XXXX XXXX account ( {$9000.00} & {$5500.00} ACH ) Now I have no access to these funds, no ability to log in to see my prior balances or statements, and no communication from Citibank, N. A. 

They claim that they will mail me a check in 30-60 days but I am unsure of exactly how much money I had in my accounts ( it is at least {$92000.00} from my records, not including interest ). 

I have called their fraud prevention number XXXX several times and spoken to an agent. The agent will not give me any information regarding why my account were closed. Both times I called I requested to speak to a supervisor and was told that a supervisor would call me back later that day. I was never contacted by a supervisor.
Consumer complaint received 2023-03-28
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem with direct deposit
Company: FISERV INC. (CA)

I was supposed to get my California Middle Tax Refund issued in XXXX. I was told by the California Franchise Tax Board that the deposit was issued on XX/XX/XXXX in the amount of {$700.00}. I never received the card with these funds. I called the California FTB and they told me i had to deal with Money Network. I filed a dispute on XX/XX/XXXX, once I learned that there were 2 withdrawals made from the issued card. Below is the information : XX/XX/XXXX {$700.00} {$700.00} One-time Contribution from CA Middle Class Tax Refund XXXX XX/XX/XXXX ( {$400.00} ) {$290.00} XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX {$1.00} ) {$690.00} ATM Withdrawal Fee XX/XX/XXXX ( {$290.00} ) {$1.00} XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX {$1.00} ) {$290.00} ATM Withdrawal Fee I contact money network today and was told my dispute was denied. I file a formal complaint with the company. ID # XXXX. I spoke with XXXX. I desperately need assistance with this situation.
Consumer complaint received 2021-12-15
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. (DE)

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 Equifax XXXX breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-11-25
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: EQUIFAX, INC. (CA)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : XXXX. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

XXXX. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

XXXX. XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

XXXX. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

XXXX. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

XXXX. XXXX XXXX XXXX ( Original Creditor  : XXXX XXXX XXXX XXXX ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

XXXX. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 



XXXX. XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

XXXX. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : XXXX. XXXX XXXX, XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Consumer complaint received 2017-01-20
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC. (MN)

I worked with a lender called XXXX XXXX, who later sold my mortgage to PennyMacUSA. At the time of loan origination, which was XXXX XXXX XXXX, the escrow balances on the account were XXXX for property taxes, XXXX for HomeOwner 's insurance, and XXXX for PMI. So the escrow amount per month is XXXX. The principal is XXXX and the interest is XXXX for a grand total of XXXX per month for a payment. Fast forward to XXXX, the Homeowner 's insurance went to XXXX per month. I received a bill for XXXX for the new monthly payment. When I contacted PennyMac USA, they claim that a the end of each year from the loan origination date, the escrow has a shortage. 

My take : If I am paying my mortgage every single month including the escrow amounts, then at the end of the year, my escrow should be paid off. This does not seem to be the case and therefore, I need this corrected. I was expecting a XXXX dollar increase per month which made sense to me since I am under the assumption that the escrow modification would have been XXXX which would necessitate the increase in the mortgage payment per month.
Consumer complaint received 2022-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (GA)

Equifax added a fraudulent address to my credit report that had already been reported and removed for fraud. Equifax is also using this fraudulent address to keep fraudulent accounts on my credit report. 

Adding information to my credit that has already been removed for fraud is both negligent and fraudulent on Equifaxs behalf. 

Equifax stated my account was properly investigated. How is that possible if the open date is incorrect, the date last active is incorrect, the date last reported, and other data is not accurate? This is grounds for removal of the account, they also violated my rights under : 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 an account without my written instructions Also the Credit bureaus took more than 30 days to complete my investigation ( received in XXXX ), here is my certified mail tracking : Equifax - XXXX - Delivered XX/XX/XXXX, XXXX
Consumer complaint received 2019-12-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Paypal Holdings, Inc (TX)

I canceled a payment ( XXXX {$XXXX} ) with a merchant. Called PayPal and was told funds would be returned in 3-5 days. Money has not been returned after time period, after calling was told 5-7 days. Im starting to feel Im getting the run-around. Was put on hold forever for the dispute department.
Consumer complaint received 2016-04-20
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TD BANK US HOLDING COMPANY (CA)

TD auto reposessed my car, auctioned and recovered in full. I was told no balance was owed to them however on my credit report they are still reporting a balance of {$6400.00} continiusly and now trying to call and collect on the debt that I do NOT owe ...
Consumer complaint received 2022-11-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (UNITED STATES MINOR OUTLYING ISLANDS)

Hello, My name is XXXX XXXX My paypal account is XXXX. 

I received notification from paypal about my account has been permanent limited reference XXXX. 

I think this arbitration desicion, i never has dispute about nothing. 
I never has any problem asociate with fraud activity. 

I just use paypal for made purshase. 
I always use paypal in a good manner. 

I want get help about this situation if my account never has any dispute or involve in any fraud activity i dont think my account is associate to any risk if i use paypal for many year without any issue.
Consumer complaint received 2022-11-15
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: FactorTrust, Inc. (NV)

No open account associated with these inquiries and no knowledge of them, please remove and suppress this information, they will not allow me to log into my credit report to even dispute on their website. update my information and remove this incorrect data my name is XXXX XXXX XXXX my phone is XXXX XXXX XXXX my employers XXXX XXXX XXXX  XXXX XXXX XXXX. XXXX XXXX XXXX XXXX  my address are XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX AND XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX 15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 I HAVE CONTACTED YOU NUMEROUS TIMES, YOU MAKE IT DIFFICULT BY PHONE, ONLINE I AM UNABLE TO ACCESS MY ACCOUNTS REMOVE AND SUPRESS THESE INQUIRIES THAT ARE NOT ATTACHED TO MY ACCOUNTS, THEY ARE NOT MINE I HAVE NO KNOWLEDGE, OF THEM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-15
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BROKER SOLUTIONS, INC. (IL)

I stop making payments in XX/XX/2022 because my income was less, I got behind 5 payments in Total {$6800.00} and I need to pay the total amount, if not is going to foreclosure and dont want to lose my house..
Consumer complaint received 2016-08-30
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

Portfolio Recovery Associates have not been consistent with the information they are reporting to the CRA, and have not been helpful in rectifying the information despite my attempts to have it corrected. Between XXXX and XXXX 2016, they were reporting my collection as if it was a revolving account and adding 30-day late notes. They have never made any attempt at helping me resolve the debt, outside of the time I called them in XXXX 2016 to inquire about resolution. No follow up phone call or letter was received after that, even though I was told on the phone that it would be arriving. In addition to the lack of direct contact, in their correspondence that was sent regarding my collection, their language was almost threatening and it did not seem like they had any intention on helping me resolve my outstanding debt. Lastly, they also repeatedly check my credit report multiple times per month, almost as if they are trying to stunt my credit score growth and rebuilding.
Consumer complaint received 2015-08-16
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (OH)

They have continually called my home not talking and hanging up. When they do speak it is someone who does not speak good English and hard to understand. We owe no debt to Midland and were told them we do n't know the person yet they still call morning, noon, and night. My last call I called back and requested for them to take my phone number off this list.
Consumer complaint received 2022-11-15
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Capio Partners, LLC (PA)

So I was work yesterday I was called by capio partners admitting on the phone that they called me at work, told me oh your work sounds really busy I told them not to call me at work, Im in state law enforcement facility. ( XXXX ) you can not be calling a law enforcement agency disrupting the phone lines that could be potentially emergency communication coming through, they have told my commanding officers of said debts, they have called and harassed my place of work asking for me, even when Im not on shift. They have leaked personal information have constantly blown up my phone sometimes past XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2022-11-15
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (AR)

I used my synchrony XXXX XXXX  card to make a purchase at Ashley furniture store. I ended up receiving a refund from Ashley furniture store on XXXX back on this card in the amount of XXXX. The card balance had been paid off for sometime now. So I did not owe anything. I chatted with synchrony on XXXX requesting a refund by check. Was told sure and that Itll take 7-15 business days. Well here we are XXXX ( 15business days later ) and no refund check. Have emailed asking and was told it was mailed on XXXX. I would like my refund as soon as possible as Ive waited the XXXX business days Also I called them again XXXX was told it was mailed XXXX not the original date I was told of XXXX so the XXXX business days will be XXXX. Here we are past the XXXX and no refund check! My synchrony XXXX XXXX has been paid off for some time now. XXXX store has already refunded me on my synchrony card for an exchange on XXXX. So now its up to synchrony to return my money. This is money owed to me and I would like my money asap. How hard is it to return money thats owed? Whats the hold up? Why tell people 7-15 business days for refund to arrive when it clearly wont? Will not use synchrony for anything again.
Consumer complaint received 2021-12-15
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: CITIBANK, N.A. (MI)

I made a purchase all the way back on XX/XX/XXXX for {$21.00}. I returned this item on XX/XX/XXXX and received a credit for {$21.00} and also a new charge for {$21.00} on the same day. After calling Best Buy directly several times with no resolution, I tried to dispute this 21st charge on XX/XX/XXXX through Citi. They gave me a resolution on XX/XX/XXXX pointing to the credit on the XXXX. I called a few times and was told that this would be taken care of but it never was. 

Finally I got someone who seemed to understand what had happened here and she tried to reopen the original dispute but couldn't. She then opened a dispute for the original charge on XX/XX/XXXX and instructed me to go online and upload my documents showing the transactions and how this was a double charge. This was completed on XX/XX/XXXX and the resolution came back pointing to the same credit on XX/XX/XXXX. So now I have two disputes both pointing to the same credit as the resolution. 

I tried calling more and escalating it and on XX/XX/XXXX I was again told I could be credited within 3-5 business days. Then the following XXXX I see a new charge on my statement for {$21.00} and all it says is " Misapplied Credit '' and points to XX/XX/XXXX. 

I have called 3 more times since then with no resolution other than spending 30+ minutes on the phone and being told that it will all be taken care of in 3-5 business days.

I will enclose pictures and pdf 's of all these transactions and disputes as well as call logs.
Consumer complaint received 2017-01-24
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (FL)

I have a problem with Chase charging overdraft fees. The bank has been charging for overdraft fees when deposits were made to cover the negative balance. The transfers were made via the surepay/quickpay. We have been using this method to transfer funds for weeks without a problem. A couple weeks ago chase stopped posting the transfers as same business day even if the transfers were performed before their XXXX deadline. That change cost me {$100.00} in overdraft fees. We contacted chase to resolve the issue and asked them to refund the fees ; they did not refund the fees. Chase customer service told me that the quickpay cut off was XXXX. I made transfer via surepay into my chase account last night to cover some transaction at XXXX. That transfer went into my chase account balance immediately yet chase did not post it and again today charged me another {$100.00} in fees. We contacted chase and they refunded one fee of {$34.00}.
Consumer complaint received 2022-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NC)

I have complained and complained For months to equifax and the cfpb and they have violated my rights for months! 

I have made complaints and they continue to fail and not allow me to see my credit score. 

I demand to me compensated the {$1000.00} because Equifax are liars and thieves. 


Please order Equifax to compensate me for the violations. 

See attachment
Consumer complaint received 2023-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I pulled my credit report, and I noticed some discrepancies on my report that wasn't mine, or I had any knowledge of, and I did not consent to from a collection agency called XXXX XXXX XXXX claiming that I owed them debt that I have no knowledge of. I did not give my signature consent. The date of this accounts is XX/XX/2020, in the amount of 2 payments, {$360.00} and {$330.00}, that I have no knowledge of. I am a victim of fraud and I feel that I am being violated under the Fair Credit Act. I reached out to the credit bureau 's to get this removed. They have sent me no verification of this account.