davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-02
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SYNCHRONY FINANCIAL (CA)

I applied for a CareCredit card to pay for XXXX. I picked up a pamphlet from my dentist 's office and applied online, with the understanding that it was a standard revolving loan. I was unaware there was a promotion wherein I would unknowingly be accruing interest to be tacked on at the end of the promotional period if the full balance of the loan was not paid off. I made payments on my loan and in XXXX 2016, I received a bill with $ XXXX dollars in accrued interest. Additionally, the accrued interest put my balance over my credit limit, which caused me to incur more fees. CareCredit has deceptive advertising and application processes and preys on people who are facing dental and/or health issues and need to find a way to pay for the procedures. I never received CareCredit 's required disclosures in the mail and was not provided adequate guidance regarding the loan 's terms during the application process.
Consumer complaint received 2015-06-19
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SYNCHRONY FINANCIAL (WA)

I applied and was approved for credit ( XXXX ) at Ashley Furniture in XX/XX/XXXX. I cancelled the account due to non-delivery in XX/XX/XXXX. Then this month ( XX/XX/XXXX ) received a letter saying that someone had tried to run my credit at Ashley Furniture on XXXX XXXX from Synchrony Bank. I was nowhere near there that day ( at work at a conference in XXXX WA all day ). 

The only way this was done was someone walked in saying they were me and no one asked them for an ID or was working in cahoots with that person to steal or XXXX of the employees there ran my credit on their own. 

I called and spoke to XXXX, a so-called manager and she was absolutely no help. she acted as if it were nothing, asking me if I called the bank. 

I have an email from another stating that she closed my account in XXXX. 

I was denied a home equity loan because of this and plan on going to the fullest extent of the law with this. I curse the day I ever stepped into that hellhole! They are the worst!!
Consumer complaint received 2016-08-15
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Lending Club Corp (DC)

My Lending club loan is due on the XXXX of every month. I paid the loan in XXXX installments during the month of XXXX. Lending club said I owed them money because my payment was not paid in full. I called Lending Club and they stated since the loan was in two payments and before the due date they applied the earlier payment to the principal. Lending Club stated that they could not reverse the payment and now I had to pay the balance from the previous month as well as the current balance. I asked if the had any payment plans and Lending Club stated they could not provide me with any payment arrangements and {$480.00} will be due on XXXX XXXX.
Consumer complaint received 2016-06-10
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL (WA)

Three times over the past several months I have made payment on my Synchronicity Bank/Sam 's Club Mastercard account, and the issuing bank has delayed posting available credit on the account for 7 days despite clearly stated policy on their website that credit for payments will be granted within 48 hours. The website states that it may take up to 48 hours for payments to post to an account, and offers no information about why credit may be withheld for a longer period of time. The cardholder agreement states ( in the section titled " When Payments are Due '' ), " We may delay making credit available on your account in the amount of your payment even though we will credit your payment when we receive it. '' In my opinion this is a vague statement, and it is in a section of the Account Agreement that it does not even relate to ( When Payments are Due ). 

In each instance I called customer service to inquire about the delay. In each instance I was given a different reason for the bank 's decision to withhold available credit, including 1 ) making two payments during a billing cycle in the same amount indicates possible fraud ( I did this while on business travel because the account was nearing it 's limit ) ; 2 ) making two payments in any amount during the same billing period indicates possible fraud ( I did this near the end of a billing cycle because the balance was nearing its limit and I wanted to continue using the card ) ; 3 ) making a single large payment indicates possible fraud ( I simply paid off the balance of the account a couple days into a new billing cycle ). 

For as long as I have had this account, I have never been late on a payment, I have never had a payment returned due to insufficient funds, and I have always paid off the entire balance before the end of the billing cycle. I have been harmed by this policy due to the fact that I have certain bills ( medical insurance premiums, in particular ), that I had planned to pay using the available credit on this account, however the credit was not made available within 48 hours as stated by the website when payment was made, and I had no other funds available to pay these bills in a timely manner.
Consumer complaint received 2018-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Focus Holding Company (TX)

On XX/XX/XXXX I paid XXXX XXXX {$150.00} on account number XXXX XXXX for the final bill that they did not send to the correct address originally so I could pay it. I talked to a representative by the name of XXXX  from XXXX XXXX there number is XXXX and she assured me that this account would be now changed on my credit report from collection status to paid in full and that the account was now closed. The confirmation number that this account was paid in full to XXXX XXXX  is Name XXXX XXXX XXXX. Afterwards, on XX/XX/XXXX the account updated on all three credit reports as removed and paid in full. I thought that was the end of this situation but two weeks later on XX/XX/XXXX the collection agency that I disputed before about this account by the name of XXXX XXXX XXXX XXXX or XXXX XXXX XXXX placed me back on collections with the credit bureaus showing inaccurate information that this account has not been paid at all. Now once again I call the collection agency and they say that the account is showing paid in full and it shouldn't be showing on my credit report as a collection. I call XXXX XXXX they say the same it was paid in full and should not be shown as a collection on my credit report. I need this to removed immediately. On a side note The representatives from XXXX XXXX as well as XXXX XXXX were not helpful nor cooperative, as well as very rude. When I asked to speak to a manager or supervisor they did not direct me, told me I wasn't allowed to speak to one and on numerous occasions they also hung the phone up on me. I am very unhappy with the treatment I received.
Consumer complaint received 2016-04-17
Product: Credit card — 
Issue: Overlimit fee — 
Company: BARCLAYS BANK DELAWARE (IN)

I transferred a {$10000.00} ( estimated ) balance to a zero interest card Barclaycard us & I get my first statement, I have {$300.00} in interest fees! I call the credit card company, she tells me they will do an " investigation '' and get back with me ... .been 4 months & I have heard nothing!!!! I go on the website to change my due date to a different date, when I have more money in the month ( due to the extremely high payment ). I go on the website 2 weeks late & the date is still not changed. You call the number to the company & " their systems are down, please call back at a different time ''. This company is a sad excuse for a business!!!!!!! Terrible customer service!!!!!!!!!!!
Consumer complaint received 2022-10-01
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: JPMORGAN CHASE & CO. (NC)

My in laws pass away within XXXX month of each other. When we got to the car loan info going through their stuff, we communicate with Chase auto to inform the desire to keep the car and that we were in the probate process. We ask for the info on debt and how much we need to pay. They informed me I was not authorized to get info. I ask what need it to be done to get the authorization and they said nothing ( which it was a lie because I found out there was a process ) I beg to tell me any process to get authorization and informed of the probate process again they said nothing can be done. I made a payment blindly and XXXX weeks latest the car was repossessed for late payment. When I contact my lawyer he informed me that with an affidavit and a letter fro the executor I could be authorized. We did this in less that XXXX hours and after submitting the paperwork I was able to find out about the late payments. I complained about no been giving the info necessary to get authorized and they allow me to get the car back and said they will waved the repo fee. For XXXX years I have been paying the loan and asking why the fees are not wavered. They apologize and said will be taking care of. Finally we pay off the car and now they want me to pay the repo fees they said was waved for the last XXXX years. Every time I call the hang on or transfer me to XXXX different department and said it will be waved. Today I got a call saying that if I want the title of the vehicle I have to pay the fees. I informed them this was supposed to be waved XXXX years ago and they responded by saying nope, you have to pay the fee if you want the title. This is ridiculous and have put our family through XXXX for XXXX years as we grieve the lost of XXXX family members. I cant stress how hard this has been and now they are holding the title XXXX and stoping all the probate proceedings until we pay a fee they said it was waved
Consumer complaint received 2023-02-01
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. (PA)

On all XXXX credit bureaus. I have disputed numerous addresses. There are still more that do not belong to me. Also numerous social security numbers. XXXX paid of accounts still on reports. Equifax, XXXX XXXX
Consumer complaint received 2016-12-14
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: TrueAccord Corp. (IL)

I currently have an open case through the CFPB XXXX case # XXXX against XXXX Bank. I opened this complaint on XX/XX/2016 and they responded back that they needed more time. Since then XXXX Bank has removed the negative items that 's appearing on my Experian and Equifax bureau and I 'm waiting for the item to drop off TransUnion. So already it 's been a month and XXXX days and I 'm still awaiting the outcome. On today XX/XX/2016 I received a harassing email from a debt collector stating that I owe this debt. I have no clue about this debt collector and they do n't have authorization on this debt or to contact me. Please find that I 've included the email with this complaint. I was never sent information before hand that this debt was sold nor did they contact me to see what 's going on. I 'm confused at this point and I do n't want any communications from this debt collector. I 'm working with the creditor directly.
Consumer complaint received 2016-09-16
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: CREDIGY USA CORP. (TX)

when the debt was sold they never send me a letter stating how much was the debt sold for. I send the CA MAIN STREET ACQUISITION debt validation letter. They send me back copies, and I found numerous violations with account number no contact with main street identity theft.
Consumer complaint received 2017-03-21
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: HYUNDAI CAPITAL AMERICA (NJ)

This account is reported in to XXXX, XXXX and XXXX. The account is being reported to have a derogatory rating which is very troubling to me! I am concerned about my credit because I was recently denied a loan and my existing credit accounts have increased my interest rates. This negative rating has caused me serious financial distress and will continue to cause me financial and emotional distress until this issue is resolved. 

In researching my legal rights, I have found several items that I understand I am entitled to. In order to rectify this situation and ensure my rights have not been violated in any way under the various consumer protection laws, I must hereby formally demand and information request!
Consumer complaint received 2018-05-29
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. (NC)

I contacted the Credit Bureaus on XX/XX/2018, by certified mail asking to remove addresses and names that are not correct, I enclosed NCDL, social security card and a NC DMV registration to prove my correct name, address and social security number. Not all address were removed, they stated they were validated and they were under no obligation to remove them. According to the FCRA, the address are undeliverable by the US Post Office and therefore need to be removed. I have contacted them in good faith and under the letter of the law with no results.
Consumer complaint received 2023-02-06
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: EQUIFAX, INC. (NC)

My name is XXXX XXXX. A victim of identity theft a long time ago. After that incident there were incorrect and inaccurate items that appeared in my report. Please delete all of the following ACCOUNTS and INQUIRIES from my credit report immediately. Besides these items, also delete the incorrect addresses that I did not live in and I do not go by. They are all a result of ID theft. Please remove these items which are not as soon as possible. Please see attached IDENTITY THEFT REPORT.
Consumer complaint received 2015-04-06
Product: Virtual currency — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (FL)

Hi, I purchased bitcoins from a website coinbase.com. The purchased bitcoins are supposed to be available four business days after purchase. I made a purchase on XXXX/XXXX/2015. It has been four business days and the bitcoins are not available to me. Further, the money has been deducted from my bank account for over two days as of this writing. ( Their justification for the 4 day delay is the transfer time from my bank account )
Consumer complaint received 2017-01-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Vermont Student Assistance Corporation (VT)

I have worked for the Federal Government for 17 years and the XXXX XXXX XXXX says that I do not work for a qualifying agency. I work under XXXX. XXXX XXXX XXXX for XXXX XXXX and XXXX XXXX. It IS a qualifying federal agency. 

I have made over XXXX qualifying payments. It is obvious that the legislation is not backdd by proper funding. It will be a war to make them forgive my loans.
Consumer complaint received 2023-02-06
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: EQUIFAX, INC. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!
Consumer complaint received 2018-05-29
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BB&T CORPORATION (VA)

i got behind a payment and a half which my payment is XXXX so they stopped taking my payment, i asked for a loan modification and for months they send conflicting letters i would get 3 a day one stating they need another paper another saying they are going to drop the mortgage ins and another saying they denied my request. they never made it clear what they wanted i would take the letters in to the local branch and they were confused. the bottom line they have made it so hard and confusing now that a lawyer has the file and is going with foreclosure they have told me what they need. the problem was a 2nd mortgage and a letter they needed. i have requested they payoff and have the money to pay it off and am doing so then have to get a letter to give to BB & T but they tell me i may not  have time before they put a sale date. i am XXXX a veteran and retired XXXX XXXX   and going through XXXX treatment. i just need 30 days or less please help
Consumer complaint received 2021-03-23
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC. (GA)

I need help.i I have an account with Robinhood Financial services with over two thousand dollars in it.I have been unable to access this verified Robinhood account.This company has no phone number or any way to contact a nonexsistant coustmer service.I have sent countless emails, changed my pin, my password, and sent a photo, front and back of my ID.with no response.This company is taking people 's money and not allowing them to have any contact.Please help me get my money back!
Consumer complaint received 2022-08-04
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. (CA)

Time has already passed but up until now, I havent heard any kind of response from the XXXXCredit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to update the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Date of inquiry : XX/XX/2020
Consumer complaint received 2018-05-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HOVG, LLC (MD)

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, IN XXXX I have two collections accounts recent reported by XXXX XXXX in XX/XX/XXXX for 2 medical collection accounts in the amounts of {$1100.00} and {$830.00}. These are being reported to all 3 major credit bureaus ( XXXX, XXXX, and XXXX ).

These 2 collections accounts are being reported as of XX/XX/XXXX with a Date OpeneXXXX of XX/XX/XXXX. 

These same 2 accounts were already reported previously by XXXX XXXX XXXX with XXXX XXXX XXXX being the original creditor. The 2 collection accounts reported by XXXX XXXX were in the amounts of {$1100.00} and {$830.00}. Both accounts were deleted from all credit bureaus as these were falsely reported accounts. XXXX XXXX 's collection accounts had Reported Dates of XX/XX/XXXX, and Date Opened of XX/XX/XXXX. So as you can see, not only are their discrepancies in dates, but it is obvious these are the exact same accounts just resold to another debt collector, despite the fact both accounts were already deleted and removed from all my credit reports. 

I was never provided notification, or allowed to contest this information. Once a debt comes off of your credit report, no furnisher, creditor, debt collector or credit bureau is legally allowed to reinsert it, disguise it and re-report it, without notifying you and giving you the opportunity to contest it. Is this not correct? 

I am in the middle of being approved for a mortgage and this is an absolute joke that the bureaus even allowed this information to slip past and be re-reported. Quite honestly I could pursue legal avenues and not only get my credit report cleansed of the false information, but I am also likely entitled to monetary damages. 

XXXX XXXX has already been contacted twice with no response received. I opened disputes with all credit bureaus, and a complaint with the XXXX against XXXX XXXX. In which, XXXX immediately responded and said for me to reach out via email. Which I have twice, and have received no response.
Consumer complaint received 2017-01-29
Product: Debt collection — Non-federal student loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Omega RMS, LLC (NY)

Collecting payments since XX/XX/2016 {$150.00} monthly from there collection Department name XXXX XXXX services @ XXXX XXXX XXXX XXXX. 
File number XXXX. But not showing from the orginal account. XXXX XXXX. XXXX, XXXX. 
I have XX/XX/XXXX and XX/XX/XXXX payment and i will be paid in full with the agreement of settlement option 3. I called in reference to them letting my creditors know ive made all my payments on time, so i can get the credit i deserve. Omega number XXXX.
Consumer complaint received 2016-01-01
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (MD)

In 2010 my loan was transferred to Green tree services from XXXX I had an approved loan modification from XXXX. Once green tree got the loan They refused to honor the modification and made me loose my home. 
The property is XXXX XXXX XXXX XXXX XXXX MD XXXX.
Consumer complaint received 2016-12-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (IL)

I had multiple houses with mortgages held by Green Tree XXXX, now Ditech. In XXXX XXXX I instructed Ditech to payoff XXXX of the mortgages and wired the money to them with the explicit instructions to pay off a specific account number. Unfortunately Ditech paid off the wrong mortgage, despite the instructions that were provided. I immediately called them to indicate the mistake, and they agreed that it was a problem on their side, and they would correct it immediately. It is now XXXX XXXX, and Ditech has still not corrected the problem. Worse yet they are threatening foreclosure and they have indicated non-payment on my credit report. They have been non-responsive, and obviously this delay is incredible.
Consumer complaint received 2016-10-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (TX)

3 1/2 years ago I move to XXXX from XXXX XXXX XXXX. I was trying to sell the house in XXXX XXXX XXXX XXXX, XXXX XXXX XXXX on a short sale. My realtor and the broker were working with the mortgage company ( Green Tree Financial ) to try to sell the house. Several buyers were rejected by the mortgage company until two years ago in XXXX 2014 when I received a court order for what appears to be a foreclosure notice. In the court order it names XXXX, DBA XXXX as the note holder. After that I started receiving monthly bills for the mortgage from another company named DITEQ. At this point I do n't know if the foreclosure still ongoing. I have no idea who is handling the foreclosure notice ( either Green Tree financial or DITEQ ). Bottom line I need the foreclosure to be completed and stop this suspense that is causing nothing but health problems for me.