davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-28
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (CO)

I was told my XX/XX/2024 promotional purchase expired and this subject to interest. I paid the amount of the remaining XX/XX/2024 promotional balance owed according to my app BEFORE the expiration date. I am still being charged interest on this. The charge is not showing up on the app as outstanding and owed. I do not owe this outstanding balance and I do not owe the interest associated therewith.
Consumer complaint received 2024-04-26
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Byrider Franchising, LLC (PA)

JD Byrider sold me a used car with a warranty package in XX/XX/XXXX. The loan was financed by their lending company CNAC. The warranty package was expensive but designed to keep the car on the road. In XXXX of XXXX, the car could not be inspected because the frame rusted through. This was determined by them ( JD Byrider ) via the warranty package and an independent dealer I paid for a 2nd opinion. The car was basically junk and after much discussion I offered a {$1000.00} to settle the loan. They ( CNAC ) accepted the settlement offer and reported the trade line to the credit reporting agencies as a CO ( charge off ) instead of SIF ( settled in full ). Had the frame not rotted through, this loan would have been paid in full. I am requesting they correct how they reported this to all the credit reporting agencies. On XX/XX/XXXX, I received a letter from CNAC stating they reported certain information inaccurately and made the corrections. The account status was listed as Charged OFF on the paperwork they sent. 

I am XXXX with limited income. At some point I will need to purchase a vehicle and their reporting will be damaging to me, possibly resulting in a higher interest rate, which I can not afford. 

Additionally, after I paid the settlement amount agreed on, they called me again demanding payment. This company runs on the premise of helping people, but based on my experience, this is just a front to sell junk vehicles with expensive warranty packages to people with limited incomes.
Consumer complaint received 2021-09-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION (IN)

My only complaint is that Ive had an issue with my savings/checking account on my XXXX  app. Im not able to transfer money from my savings envelope to my card so then I can get cash. It always says SORRY, there was an inconvenience. TRY AGAIN LATER. Ive called 7 times this last month of XX/XX/XXXXspoke to a few different representatives and no one knew what was wrong. If you guys could please transfer my money to the bank on the account that be awesome or get in contact with me.
Consumer complaint received 2022-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

According to the Fair Credit Reporting Act, XXXXection 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account.

I demand to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file for the accounts listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 

Name of Account : 1. XXXX XXXX - The following account is not mine 2. XXXX XXXX XXXX - section 609 you're required to send me original paperwork that verifies its account otherwise this is false information 3. XXXX  - The inquiry was not authorized 4. XXXX XXXX - Identity Theft 5. XXXX XXXX  XXXX - section 609 you're required to send me original paperwork that verifies its account otherwise this is false information. 


* Please remove all non-account holding inquiries over 30 days old. 

* Please add a XXXX Suppression to my credit file.
Consumer complaint received 2019-03-06
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Real Time Group, Inc. (NJ)

My property at XXXX XXXX XXXX, XXXX, NJ XXXX was foreclosed upon in XX/XX/XXXX. Real Time Resolutions ( RTR ) held a second mortgage at the time of foreclosure that remained due. The alleged amount due was {$23000.00}. RTR Claims that they are servicing the debt for XXXX XXXX XXXX ( XXXX XXXX XXXX ) since XX/XX/XXXX. However, the servicing agreement between XXXX XXXX XXXX and RTR was executed on XX/XX/XXXX. Regardless, both XXXX XXXX XXXX  and RTR claim to be collecting on the  alleged debt owed. I have contacted both RTR and XXXX XXXX XXXX on numerous occasions and advised that I was never sued separately on the alleged deficiency balance due. The New Jersey law listed below was explained to both RTR and XXXX XXXX XXXX. It was ignored by both parties. The New Jersey law listed below clearly states a separate lawsuit must be filed in relation to the deficiency balance to be valid. 

Deficiency judgments are allowed in New Jersey, but not in the foreclosure action itself. To obtain a deficiency judgment, the lender must file a separate lawsuit within three months after the foreclosure sale or, if confirmation of the sale is required, from the date of the confirmation of the sale. ( N.J. Stat. Ann. 2A:50-1 through 2A:50-2.1. ) The court may limit the amount of the deficiency judgment if the borrower disputes it. The borrower may dispute the amount of the deficiency by answering the lenders suit and introducing evidence regarding the propertys fair market value. The court will then limit the deficiency judgment amount to the difference between the debt and the fair market value as of the date of the foreclosure sale. ( N.J. Stat. Ann. 2A:50-3. ) Neither RTR nor XXXX XXXX XXXX filed a separate lawsuit to bring the alleged debt to a valid status per NJ State law. This alleged should have been extinguished 3 months after the foreclosure sale date took place. However, both RTR and XXXX XXXX XXXX, have proceeded with aggressive collection activity and have reported the debt to my credit bureau report. RTR and XXXX XXXX XXXX are in violation of the FDCPA, FCRA and independent NJ State Laws. Since your agency regulates these laws, I am seeking your assistance on this matter. You can reach me at XXXX or XXXX.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

On XX/XX/XXXX I was alerted that the XXXX and XXXX XXXX XXXX XXXX ( XXXX ) had pulled my Experian credit report. I have not dealt with XXXX since I got out of the XXXX in XXXX, and I certainly have not applied for credit with them since then. 

On XX/XX/XXXX I called Experian to dispute this inquiry and to have it removed. Since I am a premium member, I was asked if I wanted to use my membership benefit or do something else. I informed the woman that I wasn't aware of what the difference was in either talking to her or using that benefit and she failed to explain it to me, only repeating her question. I had already been transferred once to her and since I said I wanted to use my premium benefit, she told me she was transferring me yet again. I told her that I was just going to make a report with the FTC ( I meant consumer finance ) because I refuse to be bounced around. 

Additionally, I would like to know why I have to PAY to be able to lock my credit file. It seems like something that should be able to be done as it is MY credit file, and Experian ( and the other two credit bureaus ) only aggregate the data and do NOT own my personal information.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have filed a complaint and have never gotten a truthful or legitimate promissory note between XXXX XXXX the original creditor per his signature as the authorized agent of the credit and being the original creditor XXXX XXXX. XXXX XXXX  XXXX continues to disregard my consumer rights marking complaints as duplicates while they have never given any of the documentation requested, XXXX XXXX  in a has only presented non truth lies fraudulent documents no contracts between XXXX XXXX  and a no waivers of my consumer rights before XXXX  breached the contract and received my information without the proper documentation in place as in they are a third party non-affiliated entity. XXXX XXXX  is committing credit fraud credit reporting fraud and has no legitimate contract between XXXX XXXX the original creditor per his signature as the agent of the credit line through the Treasury.
Consumer complaint received 2024-03-20
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (MO)

On XX/XX/XXXX, I received notifications from my credit bureus that my Venmo credit card account has been closed. I called Venmo credit card to find out why this happened and they said I am " high risk for failure to repay. '' I talked with the rep who could not provide reasoning. I had a BK almost 3 years ago. I got this credit card a year ago so they were well aware of the BK. Since the BK, my credit has been SPOTLESS. Never late anywhere, never missed a payment anywhere, never went over the limit anywhere, always paid off balanced everywhere. Loans have all been paid on time without fail. I asked how am I at risk for not repaying when my balances are ALWAYS {$0.00}. An answer couldn't be given. I want my credit card and limit RESTORED.
Consumer complaint received 2019-03-06
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2019, Chase JP Morgan decided to close my account due to reason they " could not maintain my account due to frequent thefts ''. However, they did not send me a cashier check for my balance of {$78000.00}. I went to a branch and they said my account was restricted and could not issue me a check for my balance. I called the back office and they said the same, saying it would take time for them to " review '' my account before releasing me any of my money.

This is my money and I need money for everyday spending. THey can not just keep the money and block my card and not releasing me any cash and tell me to wait forever. THat is illegal
Consumer complaint received 2022-01-07
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NV)

I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.
Consumer complaint received 2019-03-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NJ)

This is the second complaint I am filing against NewRez/XXXX XXXX/Shellpoint Mortgage Company. In XX/XX/XXXX, I received notice from you that the company was in contact with me and resolving the matter ; therefore, you had closed the case. The company did NOT contact me to resolve the matter. 

I have an excellent credit rating and pay my mortgage every month without fail. In XX/XX/XXXX, XXXX XXXX transferred my mortgage to this company. From that time on, I have received inaccurate mortgage statements, and the first seven ( months ) listed different amounts owed. I was constantly being charged overages, late charges, etc ; which would then get reversed when I called and complained. The company also mailed my statement late each month. To date, the only thing that has changed is the company mailing me the statement on time. I have been forced to mail each payment as certified mail, with return receipt requested, since XXXX XXXX/Shellpoint has charged my account as late ( later agreeing that it was not late and removing the charge ). I do have names and dates of these conversations. 

I had an escrow analysis conducted in XX/XX/XXXX. NewRez/XXXX XXXX/Shellpoint  then conducted another this XX/XX/XXXX ( after stating that they would not conduct another for a full year ). My mortgage is now approximately {$130.00} more than last year ; and I am in disagreement with the company 's analysis and handling of my account. 

The current issue involves the escrow analysis and subsequent increase in my account. I wrote three ( 3 ) letters to NewRez/XXXX XXXX/Shellpoint since receipt of the new escrow payment demands. XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I sent the letters to several addresses ( as they have several listed ). In my letters, I stated that I was in disagreement with the analysis conducted. I requested information on the procedure for paying my own taxes and insurance. I have received NO response from the company save for continued statements requesting money on this new amount. 

Today, XX/XX/XXXX, I spoke with XXXX XXXX from Shellpoint ( they use all three names interchangeably ). She checked my file and saw the letters, stating that they had been listed as " general correspondence ''. She stated that the company does not respond to letters that are " general correspondence '' ; they will only respond to a dispute. 

Ms. XXXX suggested I write yet another letter, putting the word " dispute '' under the heading. I will not write yet another letter to this company. They need to respond to my letters, sent with each of the payments made in the past three ( 3 ) months. 

I will be happy to provide you with the specificity needed to support my claim. I have looked at other CFPB complaints listed and find that my experience with this company is not unique. I do not understand how they can continue to operate in such an unethical manner.
Consumer complaint received 2023-04-29
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. (NY)

i was disputing the inaccuracies of late payments listed on XXXX XXXX XXXX credit card. I asked to submit proof of the incorrect information on all my credit reports that list worst payments status 90 to 119 days late. Instead of providing proof that updated removing the statement that " consumer disputes this card '' Instead puts card was closed It has been closed since XXXX XXXX.
Consumer complaint received 2023-04-29
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: WELLS FARGO & COMPANY (CA)

i earn rewards on my wells fargo credit card but they decided to close my card and then they froze my rewards i then called in and an agent said that once i paid off my card and waited a few days i would get access to my rewards. 
some other agents told me i should just try to get the card reopened i tried and tried, but they did not help my wells fargo rewards account # is XXXX
Consumer complaint received 2019-03-06
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: World Acceptance Corporation (SC)

XXXX called one of my references. And disclosed when my payment was due and the amount of my loan and payment. As I understand it all they can say to a reference is please have me call. Actually quoted the loan amount and that my payment of {$86.00} and that it was Due XX/XX/19.
Consumer complaint received 2019-03-06
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MD)

Customer service very disrespectful Once I make agreement as a cosigner on my granddaughters loans and I make payments on NAVIENT website its stating not paying as agreed. Also I agree with a payment schedule only to receive emails that Im late or not paying as negotiated.
Consumer complaint received 2024-04-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is about transunion and please send this to the ceo XXXX XXXX XXXX. 15 usc 1681b ( 2 ). Any negative item that a company reports to your credit report without my written permission is considered identity theft and fraud. ( Permissible purpose ).

15 usc 1681n if the credit bureaus do not delete your negative items after your negative items you dispute them they will owe you a {$1000.00} per item. Civil loan for willful noncompliance. 

Also I am a American state national not a us citizen ( XXXX XXXX XXXX  XXXX  XXXX ). 
Also from my fee schedule you will owe me {>= $1,000,000} for billing my social security number illegally ( cestique act trust of 1666 ) Plus {>= $1,000,000} for fraud and {>= $1,000,000} For racketeering total {>= $1,000,000} plus. I am going to give you until XX/XX/XXXX th XXXX business to correct the error. If you do not comply you will be in a federal court house and brought to trial. 
Fraud, racketeering etc. You ask me for my social security number to get access to my trust as a authorized agent. Remedy delete all negative accounts or go to court.
Consumer complaint received 2019-03-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I did a volunteer repossession of a vehicle that I was to purchase around about XX/XX/XXXX. The company XXXX XXXX XXXX sent a letter informing me that they were going to sell the vehicle as a private sale on or about XX/XX/XXXX. I decided to start getting my credit in order and saw that XXXX XXXX XXXX reported me to all 3 of the major Credit Bureau as owing {$15000.00}. I went into this loan agreement in XX/XX/XXXX for that amount. I sent notice to all 3 credit reporting agency and to XXXX XXXX XXXX to have it removed from my credit report on XX/XX/XXXX. I was told by all 3 credit reporting agency that they verified that account belongs to me, and will not remove the derogatory remark. I after not receiving any response from XXXX XXXX XXXX I sent a second letter on XX/XX/XXXX to all 3 credit reporting agency and XXXX XXXX XXXX send me a copy of a contract bearing my signature and, I received nothing from Santander Consumer USA again. I received once again a letter from all 3 credit reporting agency stating this is my account. I then sent a third letter on XX/XX/XXXX giving them 15 days to send me proof of what XXXX XXXX XXXX sent them to prove this is my account. I received nothing again. So, I sent a letter to XXXX XXXX XXXX asking them to send me what they sent to the credit reporting agency, once again they failed to respond. I have tried my best to get this resolved but XXXX XXXX XXXX refuses to speak or open a line of communication with me. My last and final attempt before contacting you was a letter sent to XXXX XXXX XXXX on XX/XX/XXXX was to provide me proof of the sale and the amount once again no response. I see that on XX/XX/XXXX XXXX XXXX XXXX  charge-off my account then on XX/XX/XXXX the amount was {$11000.00} they continue to add the payment amount of {$420.00} each month unit they got to the amount of {$15000.00} my question how is that possible when you have already charged my account off?
Consumer complaint received 2022-01-17
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/XXXX, a 4500 Euros transference was performed to my CHASE-BANK account No. XXXX from my daughter 's account ( Savings account No. XXXX XXXXXXXX, XXXX XXXX in XXXX ). Transference code XXXX XXXX  XXXX. ( attached documents # 1 & 1a ). 

XX/XX/XXXX, CHASE-BANK informed us that our account had been locked using their " Security Message '' system. 
XX/XX/XXXX, XXXX XXXX certified the transfer ( attached document # 2 ). On the same date, during a phone conversation with the electronic money department, a representative identified as " XXXX '' informed us the bank doesn't have registered the transfer. 
XX/XX/XXXX. XXXX XXXX, the XXXX branch manager, verbally confirmed that the bank had not received the transference after consulting several bank functionaries. 
XX/XX/XXXX. XXXX XXXX XXXX in XXXX sent us a written answer to our complaint. They informed us the money was indeed transferred to CHASE-BANK , which held the funds. They asked for retrocession that has not been performed yet. On the other hand, the communication reported the correspondent bank did not receive the transference. XXXX letter attached the email with the transference 's XXXX message ( attached document # 3 ). 
On XX/XX/XXXX, the mentioned documents were presented in a new interview with XXXX XXXX, the XXXX branch manager. She checked again, did not find the transference, and suggested we look for the FED IMAD at XXXX to track the transfer. 
XX/XX/XXXX. In response to our request, XXXX bank answered FED IMAD numbers are not used in XXXX. 
XX/XX/XXXX. We requested at CHASE-BANK a written document to show to XXXX. Similar to other occasions, the bank functionaries deny giving us written information. 
XX/XX/XXXX. A XXXX functionary gave us the following code as the " possible FED IMAD number '' : XXXX XX/XX/XXXX. In CHASE-BANK did not recognize the number provided by XXXX. Again refused to give a written communication. 
In summary, 60 days after the transference, CHASE-BANK does not identify the operation in its system. Systematically has made the tracking process difficult. The functionaries frequently identified by their given name and always refused to provide written information, arguing bank 's politics. In contrast, XXXX provided the asked documentation, which has not been enough to clarify the situation.