davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-04-29
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: SYNCHRONY FINANCIAL (CA)

I XXXX XXXX DISPUTE THE CHARGES HAD BEEN MADE BECAUSE I WAS INCARCERATED AND I DISPUTE THE CHARGES HAD BEEN MADE BECAUSE I WAS INCARCERATED AND BEING DETAINED I HAVE THE RIGHT TO REFUSE EXTRA LATE FEES OR CHARGES I CAN SEND A LETTER OF THE PROOF OF DETENTION AND INCARCERATION I AM NOT DELINQUENT FOR MY BILLS AND I AM A VICTIM OF IDENTITY THEFT AND I WANT TO SETTLE MY ACCOUNT. 
BEING DETAINED I HAVE THE RIGHT TO REFUSE EXTRA LATE FEES OR CHARGES I CAN SEND A LETTER OF THE PROOF OF DETENTION AND INCARCERATION I AM NOT DELINQUENT FOR MY BILLS AND I AM A VICTIM OF IDENTITY THEFT AND I WANT TO SETTLE MY ACCOUNT.
Consumer complaint received 2016-08-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SYNCHRONY FINANCIAL (CA)

My credit report has an error. XXXX XXXX reports that my account with XXXX was opened in XXXX, 2013 ; this is incorrect information and may negatively affect my credit. I wish this incorrect information removed.
Consumer complaint received 2016-01-16
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (NC)

I opened account with Care Credit via Synchrony Bank in XXXX, 2015. 
I have never been late or missed a payment. 
Most months I paid more than the minimum. 
In XXXX, before the due date of the XXXX, I made a {$50.00} payment ( minimum said {$26.00} ). 
Synchrony Bank, however assessed interest on my account on XXXX XXXX, & then reported an over limit on my account on XX/XX/XXXX.THIS IS TOTALLY UNACCEPTABLE. 
I should have been given until the next month to reconcile interest charges assessed after the due date. 
I called few times to speak with rep at Synchrony, however, was simply told that they could add interest anytime they wanted, and then report to credit bureaus anytime. 
The credit bureaus notification against my account is listed as a late or missed payment! 
I have the card statements & letter from Synchrony if needed.
Consumer complaint received 2016-12-17
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (NJ)

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2016-09-15
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: SYNCHRONY FINANCIAL (FL)

Synchrony Bank is charging lates fees for payments delivered on time. Only payment is set through XXXX for the monthly payment. What they do is send the timely payment bank to XXXX and making the payment late so they can collect late payment fees. I already check with XXXX XXXX and the fraudulent action is from Synchrony Bank. I gess if the do this to XXXX of people they collect an inmense amount of money doing fraud transactions and abusing clients like me.
Consumer complaint received 2022-12-14
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: OLD NATIONAL BANCORP (IN)

I was scammed, by an individual, who also scammed, many more people! The XXXX XXXX XXXX, XXXX XXXX XXXX XXXX is investigating! 
XXXX XXXX and XXXX XXXX, allowed me to exceed, my credit limit, of {$11000.00} and {$7000.00}, respectively. 
A checking account, was issued by XXXX XXXX, without, my name on a signature card! Old National Bank, allowed me, to take out {$15000.00}, no questions asked! 
I am being sued by XXXX XXXX! My local FBI, didn't do anything about this, including the name, of the scammer! I have been let down, by law enforcement! I need some help!
Consumer complaint received 2016-03-24
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: SYNCHRONY FINANCIAL (TX)

ON XX/XX/2015 I RESPONDED TO AN OFFER AT XXXX THAT SAID APPLY FOR THEIR CREDIT CARD AND SUBMIT AN ORDER TOTALLING XXXX AT THE SAME TIME AND RECEIVE A XXXX CREDIT ON A FUTURE XXXX BANK IN QUESTION WAS SYNCHRONY BANK AND THE CREDIT CARD WAS A MASTER CARD.AT THE SAME TIME AS THE CC APPLICATION WAS SUBMITTED AN ORDER, NO:XXXX WAS PLACED WITH WALMART.COM TOTALLING XXXX ORDER WAS PAID FOR BY AX SINCE I DID NOT HAVE THE NEW WALMART MASTERCARD WHICH ARRIVED ON XX/XX/2015.IN ADDITION TO THE ABOVE ORDER I HAVE PLACED XXXX ADDITIONAL ORDERS TO DATE USING THE XXXX CREDIT CARD. TO DATE I HAVE NOT RECEIVED THE CREDIT OF XXXX. AFTER XXXX PHONE CALLS TO CUSTOMER SERVICE OF THE BANK AND WALMART AND BEING TOLD THAT IT WILL BE COMING THERE IS STILL NO CREDIT.
Consumer complaint received 2016-07-12
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: SYNCHRONY FINANCIAL (TX)

Log into my online banking account at Synchrony Bank from a computer that is not a registered device ( I personally choose never register ANY device - even my own computer ). You are brought to a page with some telephone numbers ( showing only the last XXXX digits of the telephone number. You have option to request TEXT message, or CALL on the telephone number you choose. 
The problem is that on 6 occasions, this page shows telephone numbers that are not valid - they are not my telephone numbers, so I can not proceed to login. 
When I called customer service to resolve this over the course of 5 days, I received inconsistent resolutions. 
On one occasion, they did something to disable this feature, allowing me to directly login from non-registered device ; On a 2nd occasion, they asked me for my valid cell phone number and sent me a XXXX-digit passcode ( Note : on a subsequent occasion, a rep told me they could not send a XXXX-digit passcode to my cell phone number because my number was not registered with the third party vendor ) ; In one call, I was told to call all XXXX credit agencies to have my telephone numbers added to my credit report - I called all XXXX : XXXX did this, XXXX and XXXX said they have no way to do this. They told me that they get my telephone number from the XXXX credit agencies and do not use the telephone numbers that I list on my account. 
In one call, I was told that they use a third party public database to pull my telephone numbers for this validation. 
On numerous calls, I tried to explain to the reps and their supervisors that this is a faulty way to validate my identity. I am the only one who should know what my valid cell phone telephone number is, not a public third party database. I spoke with so many Synchrony reps and emailed them to explain the fault in this, but no one seemed to follow. Using third party telephone numbers to send 'login passcodes ' is so dangerous as this enables codes to be sent to ex-spouses, or otherwise old/obsolete telephone numbers. I am trying to get Synchrony bank to change this PROCESS for validating my identity since I choose NEVER TO REGISTER any of my devices, but they seem to not understand and address this issue. Hopefully, this complaint will make Synchrony fix this faulty login issue.
Consumer complaint received 2017-05-24
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: AMERICAN ADVISORS GROUP (CA)

I have a complaint against  AAG a nd,  XXXX   XXXX   | S enior Processor TEAM  XXXX  AMERICAN ADVISORS GROUP  XXXX  ID :  XXXX  Phone :  XXXX  ext.  XXXX  | Fax :  XXXX  Direct :  XXXX  Email :  XXXX  XXXX  XXXX  Address :  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX ,  XXXX , CA  XXXX  We have been trying to proceed with a reverse mortgage for many months. We stared in  XXXX     2016 ;  what is taking so long??? It seems that we have requirements that are not or seems not to be relevant to a loan or the reverse mortgage. We have to clean baseboards and floors after the appraiser has already reinspected our property once.     Now we have to have the foundation inspected at a cost of {$620.00}, after the appraiser reinspected our property and passed the crack repairs to the exterior wall. After looking at the reverse mortgage handbook provided by HUD / FHA i do not see any mention of cleaning requirements. Why is this necessary according t o AAG a nd  XXXX   XXXX ? We have taken the counseling class twice becaus e AAG is so s low to process the loan. {$150.00} total cost of {$300.00}. IN FACT THE FOUNDATION INSPECTION IS BEING PAID FOR BY US IF IT IS INCLUDED IN TH E MORTGAGE FUNDING.      No need for foundation inspection at a extra cost of {$620.00}, does AAG make extra money or kickbacks for ordering multiple inspections?        XXXX   XXXX ,  Senior Processor Fu rther information : To answer your questions.     You are not paying for the foundation inspection out of the loan. However, I am required to get a card to put on hold in the even you decide to back out of the loan or the loan does not go though. I am required to clear your loan before beginning repairs so that there is minimal risk of not getting the final approval after the work has been done.     I see you are already working on the boards and cleaning the flooring. I would like to explain why. The stains and substances could potentially be a hazard to the property. In order for FHA to insure the loan the property must be to their health and safety standards. We have to play by their rules considering this is an FHA insured loan.     Value of your home- We have a set appraised value to your home already done by a licensed  appraiser. I believe your loan officer h as gone over that with you. Unfortunately, sites like  XXXX  and other real estate site do not give accurate lending values and can not be used in any professional lending institution.     Please make sure all your mortgage payments are made as you usually have them done, until the loan has funded.     I hope all is well and will continue to work on your loan on this end and please let me know once the work has been completed regarding the stains and I will send the appraiser out to sign off on it.      XXXX   XXXX  | Senior Processor TEAM  XXXX  AMERICAN ADVISORS GROUP  XXXX  ID :  XXXX  Phone :  XXXX  ext.  XXXX  | Fax :  XXXX  Direct :  XXXX  Email :  XXXX  XXXX  XXXX  Address :  XXXX   XXXX   XXXX   XXXX ,   XXXX   XXXX  ,  XXXX , CA  XXXX
Consumer complaint received 2022-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

Hello, I am aware that I have rights protected under the Fair Credit Reporting Act ( FCRA ) and I believe it is imperative that I share this information with you. I have discovered a very easy, clear, and concise violation on XXXX my accounts. On my credit report, I see many inaccuracies being reported. I will attach the section of my credit report so you can view the erroneous details. 

Account Name : XXXX  Account # : XXXX Inaccuracy # 1 : Account Status : " Derogatory '' for XXXX and Equifax XXXX however XXXX " Paid '' for XXXX Inaccuracy # 2 : No. of months ( terms ) : 9 months for XXXX and XXXX, but 0 months for Equifax XXXX # 3 : Payment Status : " Collection/Chargeoff '' for XXXX and Equifax, XXXX " Unknown '' for XXXX. 

Inaccuracy # 4 : Date Last Active : XXXX different dates. 
XX/XX/XXXX for XXXX XX/XX/XXXX for XXXX XX/XX/XXXX for Equifax Inaccuracy # 5 : Date of Last XXXX for XXXX and XXXX, however XX/XX/XXXX for Equifax This information can not be accurate if I'm being provided with different data from each credit bureau.
Consumer complaint received 2017-05-24
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. (CA)

XXXX and experian show my score over XXXX points below XXXX. Every time I try to dispute items that are severely inaccurate, first they say yes we found your file how can we help you? Then they ask for further verification by asking me to choose one of five options that identify me, but every one thru propose is inaccurate so then they shut down any conversation or correspondence with me. They show me as having retail charge cards, I have none. They show me having lived in XXXX Georgia NEVER! they show my spouse as my deceased father! They show me having an auto loan with a lender that I do n't have an auto loan with. They show me as having tax liens, medical bills that are n't mine and public records that I am unaware of. I have 100 percent perfect payment history. My c card utilization is at 19 percent. I have never been late I have never had a bankruptcy they show XXXX hard inquiries that are not mine!! I make XXXX a mo as a XXXX XXXX specialized and certified in XXXX, same job for almost 3 yeRs. Same residence 3 years and 7 years prior state. No criminal record and yet I 'm being denied an auto refinance every month because of their derogatory credit ratings of me. I 'm begging you please help me get them to correct my file and delete the things that are incorrect.
Consumer complaint received 2022-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (VA)

Hello, my name is XXXX XXXX and I am a real person. I am writing to you in regards to the Credit Reporting Bureaus such as XXXX, Equifax and XXXX reporting incorrect information on the credit reports. I have my rights protected under the Fair Credit Reporting Act and the 15 U.S.C. 1681. I have been trying to remove wrong invalid addresses from my credit reports, sent letters and called numerous times and asked XXXX, XXXX and Equifax to remove wrong and undeliverable addresses from my credit report. I am missing important mail and I don't need these addresses reporting and I don't want ANY of my mail to go to any of the addresses by MY CURRENT ADDRESS. My current address is : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, VA XXXX. I will attach supporting documents, my bank statement and my recent utility bill to provide evidence. Please help me resolve this issue. The only address that MUST BE REPORTED IS MY CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, VA XXXX! According to the FDCPA 15 USC 1692g the bureaus have to report XXXX percent accurate information. 
Please remove the following addresses from my credit reports : XXXX XXXX XXXX XXXX XXXX, VA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX, XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX, XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX, VA XXXX, XXXX XXXX XXXX XXXX XXXX, VA XXXX, XXXX XXXX XXXX XXXX XXXX, VA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX. 
All these addresses are incorrect and not deliverable and must be removed from my credit report. I will attach supporting documents and my credit reports.
Consumer complaint received 2017-05-24
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)

Equifax and   XXXX   show my score over  XXXX  points below  XXXX . Every time I try to dispute items that are severely inaccurate, first they say yes we found your file how can we help you? Then they ask for further verification by asking me to choose  one of five o ptions that identify me, but ev ery one thr u propose is inaccurate so then they shut down any conversation or correspondence with me. They show me as having retail charge cards, I have none. They show me having lived in  XXXX  Georgia NEVER! they show my spouse as my deceased father! They show me having an auto loan with a lender that I do n't have an auto loan with. They show me as having tax liens, medical bills that are n't mine and public records that I am unaware of. I hav e 100 pe rcent perfect payment history. My c card utilization is a t 19 p ercent. I have never been late I have never had a bankruptcy they show  XXXX  hard inquiries that are not mine!! I make  XXXX  a mo as a   XXXX   XXXX   specialized and certified in  XXXX , same job for almost  3 ye Rs. Same residence 3 years and 7 years prior state. No criminal record and yet I 'm being denied an auto refinance every month because of their derogatory credit ratings of me. I 'm begging you please help me get them to correct my file and delete the things that are incorrect.
Consumer complaint received 2015-06-05
Product: Mortgage — Reverse mortgage
Issue: Application, originator, mortgage broker — 
Company: NATIONSTAR MORTGAGE LLC (MS)

My Mother had a reverse mortgage with Champion Mortgage. I have always had difficulties getting any response or cooperation with any person in a management position in this company. After her death the heirs followed all the procedures as instructed by Champion Mortgage. We sold the house and was charged a XXXX attorney fee because they said the house was in foreclosure never were we informed that it was at anytime in foreclosure. 
In XXXX we received a mortgage refund made payable to XXXX XXXX XXXX Estate. I notified them that there was no Estate. I was told to return the check along with signed statements from each of the Legal Heirs stating that they were giving permission for the refund check be made payable to me, XXXX XXXX. 
I returned the check along with the required statements via the United States Postal Service. These documents were sent certified mail with a return receipt. I have received my copy of the return receipt that was signed on XXXX XXXX 2015. The Representatives at Champion Mortgage are saying now that they received the check and documents but can not find them. Phone conversations about this matter are now resulting in more lies, broken promises and unreturned phone calls. I still have been unable to speak to a supervisor or any XXXX in a management position. We need this matter resolved asap and the refund due to the legal heirs sent to them. Thank You XXXX XXXX XXXX
Consumer complaint received 2016-03-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (CA)

Nationstar Mortgage has failed to respond to our requests and clarification of the following : 1. They are not crediting or applying the correct payment amount we made towards the principal since XXXX 2016. 
2. They created an escrow account to pay the property taxes and the home insurance without our knowledge and/or consent. 
3. They made payments for the property tax for a bill we had already paid on time, they also paid the home insurance that was not due until the end of XXXX, 2016 4. The Tax Collector office rejected the duplicate payment from Nationstar and sent the money back to them ; however, Nationstar still has an escrow balance on our account even though the Tax Collector returned the money to them We have several requests in writing as well as by phone to correct the principal balance, which is off by about {$5400.00} to no avail. We get transferred from one person to another and they promise to send an explanation letter but they never do. 
We requested to close the escrow account since we are taking care of the property tax and home insurance ; they still have the account and the balance due for something we do not owe. PLEASE HELP. 
Nationstar has refused to modified our loan twice, the current rate on our loan is 5 % which is about 1.5 % above the current rate
Consumer complaint received 2023-01-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA (OH)

I am working toward loan forgiveness through the Public Service Loan Forgiveness program. 

A few months ago, I received notification that DOE finally approved an employer that's been in question for over a year - XXXX XXXX XXXX XXXX. I had originally submitted the paperwork to XXXX in XXXX of XXXX and received notification that the employer was verified by DOE in XX/XX/XXXX. 

My loans were transferred to Mohela in XXXX XXXX XXXX and at that time I already had XXXX qualifying payments without the additional payments I was expecting from my time working at XXXX XXXX XXXX XXXX With the employment verification of XXXX XXXX XXXX XXXX XXXX that will add an additional XXXX qualifying payments. I also still work for a qualified employer and have submitted employment verification forms for XXXX XXXX XXXX which would only add more qualifying payments. 

From XXXX and now Mohela, I've been waiting over 14 months for my counts which would exceed XXXX at this point in time. I'm so frustrated. 

I've submitted all of the proper documentation to XXXX and now Mohela. Mohela has had all of my information for over XXXX  days and still no action has taken place. I've made my XXXX payments, I've submitted all of the necessary documentation- I've done all that has been asked of me. 

Over the last 14 months, I have filed complaint after complaint, made phone calls, sent messages, reached out to local politicians, sent form after form. 

Now, I ask kindly, when will my loans be discharged?? 
I'm tired of waiting patiently
Consumer complaint received 2017-03-16
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CITIBANK, N.A. (FL)

I issued a Check for {$7100.00} against my account, deposited in another Bank. 
Citibank returned the check as Has insufficient fund. 
This was not correct as I had some {$25000.00} in my debit card account, This money was with Citibank for more than one year. 
I asked a explanation, but nobody ( 4 different Managers ) was able to give one. 
They said that my account was blocked, but no explanation why was blocked, who had blocked, and no any information or communication about the block. 
3 day later they unblocked the account also without communication or justification. 
I asked for a letter to be sent to the bank where my check was deposited explaining that was a Error of Citibank the check return. They refused saying that was my error. How is possible If i had 3 times the quantity of the money available at my debit card account.