davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TrueAccord Corp. (MA)

On XX/XX/2022, I received a letter from TrueAccord collection agency stating they were working for XXXX XXXX XXXX without a 1006.34 Notice for validation of debts. 

( 4 ) Validation notice means a written or electronic notice that provides the validation information required by paragraph ( c ) of this section. 

( 5 ) Validation period means the period starting on the date that a debt collector provides the validation information required by paragraph ( c ) of this section and ending 30 days after the consumer receives or is assumed to receive the validation information. For purposes of determining the end of the validation period, the debt collector may assume that a consumer receives the validation information on any date that is at least five days ( excluding legal public holidays identified in 5 U.S.C. 6103 ( a ), Saturdays, and Sundays ) after the debt collector provides it. 

On XX/XX/2022, I filed a dispute with TrueAccord, CEO XXXX XXXX at XXXX XXXX XXXXXXXX XXXX XXXXXXXX & XXXX XXXX XXXX - XXXX # XXXX - XXXXXXXX XXXX XXXX for {$500.00}. 
This alleged debt is being reported to my 3 CRAs even though TrueAccord and XXXX XXXX XXXX can't validate it. 

This account should be deleted as soon as possible by TruerAccord XXXX XXXX XXXX XXXX. 
You will find all communications attached and I would like to draw your attention ( CFBP ) agency to a letter from TrueAccord XXXX XXXX XXXX XXXX that fails to mention the right to dispute within 30 days, as required by law. 

Sincerely,
Consumer complaint received 2015-11-17
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: SYNCHRONY FINANCIAL (PA)

I have a complaint against this debt collector, XXXX XXXX XXXX. They have me listed for an account number XXXX. I requested XXXX times for them to send me more information related to this account and how I could possibly owe {$1600.00}. I recall having a card with Walmart but I know I did not run the balance up so high and I wanted to see if someone stole my identity and was out making charges. They only sent me a final statement or XXXX but nothing breaking down all the charges ( including where and when they were made ). They never sent me any documents relating to me opening the account either. 
In the process of me asking for this information, I must have upset them. Instead of getting me the documents I requested, they served me with a lawsuit. On XX/XX/XXXX they filed a lawsuit against me and I have a court date of XX/XX/XXXX. All I wanted was proof that I owe this debt and that my identity was not stolen and now I have a lawsuit and I do n't have the money to pay for an attorney to represent me. 
I do n't find it to me unreasonable for me to request complete proof of the debt they claim and I find it very unfair they are now treating me this way and they are using bullying tactics. Please make sure they prove to me all the charges belong to me. I want to file for ID Theft protection if I find someone else made these charges. That is all I want. I am afraid it is now too late and I beg you to try your best to get this information for me before my court date. If I sound desperate, I am and I need your help.
Consumer complaint received 2023-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IN)

XXXX Equifax and XXXX is reporting a XXXX reported by XXXX XXXX not by a court and should be removed immediately 15 usc 1681 ( a ) ( 4 ) Infringed Upon a Consumers right to privacy 15 usc 1681b ( a ) ( 2 ) No Permissible purpose/ No written instruction
Consumer complaint received 2016-11-10
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Optimum Outcomes, Inc. (NC)

This company has been contacted by my attorney numerous times, in writing stating that two of the accounts they continue to show on my credit report are included in a bankruptcy and need to be corrected yet they continue to report these accounts as being correct on my credit reports. I have tried to contact them by phone since they still refuse to remove the accounts but no one will return phone calls. They show on my credit reports as a medical bill but I was never given copies of the bills they are attempting to collect on.
Consumer complaint received 2018-05-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (FL)

Hello, I received a letter some years ago stating that I was part of a discrimination lawsuit against ally financial .They charged me extreme amounts of interest it was ridiculous, then I had gap insurance on the car and they would not honor the GAP agreement.They are very nasty on the phone and have very poor customer service. Very frustrating dealing with this company, please advise of any info you require from me. My account number is XXXX, please help, Thank You
Consumer complaint received 2017-03-06
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: HUNTINGTON NATIONAL BANK, THE - FIRSTMERIT BANK, N.A. BRANCH (IL)

I had a home equity line of credit with First Merit Bank now part of XXXX and recently closed it due to the sale of my condo. I was assessed an account closure fee of {$350.00} even though the schedule of fees did not include this fee. Buried in the language of the loan documents it said that they MAY charge an account closure fee. It did not state that they would charge a fee. I spoke to an individual that stated even though the language says they may charge a fee it is their practice to charge a fee. This language is extremely ambiguous as the institution can pick and choose who they want to discriminate against and charge this fee. Being a XXXX customer, I feel that I was unfairly discriminated against due to my XXXX background. Further I believe this to be a UDAAP violation as they are engaged in a deceptive practice indicating that they MAY charge a fee when they do charge it. 

A formal investigation should be opened against this institution and there should be a regulatory enforcement action against them.
Consumer complaint received 2015-12-27
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Optimum Outcomes, Inc. (NC)

In XXXX 2015 I disputed a Optimum Outcome {$400.00} debt with XXXX due to no knowledge of the debt and it was removed from my credit report. In XX/XX/XXXX I then disputed the same debt for the same reason with XXXX and it was not removed. I never received any documents to verify this being my debt.
Consumer complaint received 2015-09-04
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (MA)

We are first time home buyers. We bought our home in XXXX our mortgage was with XXXX for about XXXX months and then was bought out by GreenTree. In the year of XXXX our taxes had gone up from XXXX to XXXX. When we received our Escrow yearly statement XX/XX/XXXX it stated our mortgage was going up. We had the option to pay {$900.00} for the shortage with a permanent increase or do n't pay the increase but that too would be added in the new mortgage amount for a year until it was caught up. I paid the {$900.00} and mortgage went up over XXXX dollars more monthly. I was devastated as my mortgage is at a 30 year fixed rate XXXX FHA XXXX. My mortgage was {$2200.00} and climbed up to over XXXX and that was after I paid the shortage. There have been no tax hikes since then. This again, XXXX XXXX, I received my escrow yearly statement and again the mortgage company stated they were raising it yet again. Same exact thing as last year, I could either pay the {$900.00} shortage amount or it would be rolled into the new mortgage amount, this time it was even worse, my mortgage is now up to {$2500.00} dollars monthly, I could not afford to pay the shortage. I am so afraid of losing my home due to all of this as it does n't make sense. I called GreenTree and spoke to XXXX who is the supervisor, she was of no help and could n't really answer any of my questions. My taxes on my escrow are over {$4600.00} I asked her why, because they are XXXX yearly. She told me it was a projection for next year in order to protect me, she also told me that should could n't promise that it would n't happen again for next year! I told her, your company told me the same exact thing last year and that thank XXXX I had the money to pay the shortage then, as I would be in big trouble due to the hike in the mortgage this year. It 's no wonder people are losing their homes. She offered no help what so ever. I feel like something is n't right with this type of practice. I can not pay over shortage this year which is {$900.00} dollars again, now I am forced to pay {$2500.00}. I said to XXXX that this is supposed to be finance company, and their projections have been horrible, she said it was their fault as I was n't assessed correctly from last year. I told her, so I have to pay for your company 's mistake? How can my mortgage keep permanently climbing every year with out anything to show for it? There is nothing in my escrow, where is all my money!!!! I would deeply likely an investigation done on this company. I am so fearful this is going to happen again next year. I do n't want to lose my home. I have a XXXX spouse and just ca n't afford to pay much more in my mortgage. What ever is being taken from me, I want it back and I want to pay for the mortgage I signed on for in the beginning of all this. I have n't even owned my home for XXXX solid years and my mortgage has been raised over {$300.00} dollars per month. 

Any help would be greatly appreciated.
Consumer complaint received 2016-09-20
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (NJ)

I filed this complaint on XXXX XXXX, 2016. It has been more than 60 days and even though I received a response from Citibank with a positive resolution to the issue, the miles promised have not posted in the account. The original complaint was this : I opened a checking account with Citibank online on XXXX XXXX of 2016. The account is a citigold and I opened it online and used a promotional code to receive XXXX american airline miles. I had to meet certain spending and payment requirements within three months, which I did. When I opened the account online I used this promotional code XXXX, which was then confirmed as valid. Three months later, I followed up via chat online with a representative of Citibank who confirmed that I was eligible for the promotion. Early in XXXX I sent a secure message to citibank to follow up on the promotion as I had already waited 90 days since meeting the requirements and no miles were posted to my account. The reply to that message as that I was not eligible for the promotion. Thus I am following up with a complaint to the consumer finance protection bureau as I believe Citibank misled the potential consumers. 
I have participated in many other promotions online for finance institutions and when I was not eligible for a specific promotion, the system would let me know as I was taking steps to open an account. Citibank 's actions are not acceptable as I spent time and money to open the account, invest funds, set up payments, follow up on the promotion, with contradicting messages from the representatives. 
Thank you, XXXX XXXX The current claim number is : Case number : XXXX
Consumer complaint received 2017-05-21
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. (IL)

I had gotten my XXXX XXXX debit card stolen on XX/XX/XXXX and called it in the following day. I was told my card was canceled as they caught a fraud attempt of a cash withdrawal of {$130.00} at a XXXX gas station in XXXX, IL. I was not asked about any previous transactions to verify no other fraud was made and I understood that the {$130.00} attempt was the only one. I have an installment loan with XXXX and a payment of {$46.00} is taken automatically from my checking account every XXXX of the month, however, XX/XX/XXXX 's payment was not paid due to my account having insufficient funds. I opened my monthly statement and see that a purchase at XXXX 's was made for $ 30+ and caused my funds to drop. That purchase was not made by me and was fraudulent and was not verified by me through XXXX when canceling my card and caused the payment for XX/XX/XXXX to be overdue. I attempted to pay my past due balance in person at a branch in XXXX, IL and was advised to wait until my next payment day of XX/XX/XXXX to avoid being double charged. I listened and come XX/XX/XXXX I received a phone call from XXXX 's credit reporting office and was informed my payment was 30 days overdue and was now going to be reported to the credit bureau and was misinformed on the double charge statement. I paid the overdue payment in addition to XXXX 's payment that totaled out to {$100.00} and then the next day was in fact double charged for XXXX 's overdue payment which put me at insufficient funds once again. XXXX has reversed fees but still said it was going to be reported to the bureau and refused to retract it since I took the proper steps to make the payment but was misinformed.
Consumer complaint received 2017-05-21
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (TX)

The following statement cites the correspondence provided between the client an d Navient Solutions , Inc.,  as last reported as of   XXXX   XXXX   XXXX  . The issues that will be addressed are in regards to the frequency of communication from Navient  Solu  tions , Inc. , in which an insufficient amount of time has been provided to the client in order to compose timely responses  ( n ote : Refer to attached documentation for specified timeline ).   Other issues involve the methods of contact which Navient  Solutions , Inc.  has claimed to have carried out in order to reach the client, yet has not been validated by the client or proven  externally ( note : Refer to Litigation Review, as provided by Navient Solutions   , I  nc.  on   XXXX   XXXX   XXXX    ).    The last correspondence provided by the client is dated as of   XXXX   XXXX   XXXX  , in reference to the former documentation provided by  Navient Solutions , Inc. (  note : Dated as of   XXXX   XXXX   XXXX   ).   As the clients preference has been listed as their mailing address, insufficient information and assistance has been provided by  Navient Solutions , Inc. in  an effort for both parties to communicate efficiently and accurately.
Consumer complaint received 2015-05-06
Product: Credit card — 
Issue: Advertising and marketing — 
Company: BARCLAYS BANK DELAWARE (NY)

Barclay Credit card offered 0 % in 18months financial to purchase my laptop. After 18months passed I could n't paid off, they charge me interest close to 30 % based on original purchase price retroactively. Suddenly I saw close to {$1000.00} interest charge over {$3500.00} laptop. They claimed " Deferred Interest Financing '' in written in the contract but not clearly explained at signing. I thought my interest will e charged on unpaid part after 18 month promotion is over. XXXX time i saw " Deferred Interest Financing '' in the communication was 5 month later email after I signed. Even that email, it was very graphically miss leading not clearly explained what exactly mean by " Deferred Interest Financing '' under fancy graphical " New Tool '' interfaces.
Consumer complaint received 2015-12-29
Product: Credit card — 
Issue: Billing statement — 
Company: SYNCHRONY FINANCIAL (TX)

I purchased hardwood floors from XXXX XX/XX/XXXX. I have no idea what the account number is no nothing. I have been paying and all I owed was {$1100.00}. Well my XX/XX/XXXX statement tacked on {$710.00}. I was devastated! Well I tried to pay it off using my XXXX credit card and they would not allow me to do so and that they could only use my checking account. If I do n't have the extra money and I consider this credit card fraud. How would be able to pay it off with the extreme interest rate which does n't show on my statement nor does the account number. They are really using shady tactics and need to be stopped. I have never experienced anything like this before. Thanks for any help you can provide. I 'm XXXX and simply ca n't afford the extra.
Consumer complaint received 2016-02-10
Product: Credit card — 
Issue: Billing statement — 
Company: SYNCHRONY FINANCIAL (OH)

I maintain a credit card account and pay each month in full, no balance carried. 
On XXXX XXXX, 2016 an email message was received stating that there was a balance of {$780.00} and this amount was being deducted from my checking account on the day prior to the email notification just received. After lengthy telephone wait and conversation, a Synchrony supervisor said there were thousands of incorrect/erroneous billing notices emailed to their customers - but that they were taking no action to alert clients, or to send memos stating that the bills were in NOT order and that they could be safely ignored. 

I insisted on receiving confirmation in writing - and did receive an apology - but nothing stating that the bill was an error on their part. 

Now, a month later, another such letter has been received. Again, it is stated that we owe {$780.00} and that it would be deducted from my checking account, deduction to occur three days prior to receiving this notice. In contacting Synchrony agan, and waiting an extended time, I spoke to a Supervisor who said there is a system problem, nothing they can do about it, clients are NOT being notified of the error, and it will continue until it is fixed by their " back line '' people - whomever, whatever that is. I asked to speak to a Manager, but was told, after another extended wait, that there was no manager present. However, that a manager would call me. 

Had I not been on AutoPay, receipt of the initial memo would have likely caused me to overpay and send in the {$780.00} to avoid a late pay situation. Synchrony may be sending out these erroneous notices, and receiving extra payments from clients who have no idea that the bills are completely wrong. In addition, it would seem that the consumer has risk of bad credit report information being submitted by Synchrony based on their broken system. 

This problem needs to be fixed quickly. It has extended beyond one month. Consumers need to be notified that Synchrony has this problem, and that the consumer 's account and credit report will not be affected. And, Synchrony should be fined for their failure to properly notify affected clients.
Consumer complaint received 2017-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: SYNCHRONY FINANCIAL (PA)

I am a victim of identity theft. I received a letter in the  US  mail from Synchrony Bank on   XXXX   XXXX  2017.  The letter advised that my recent request to obtain credit had been denied. The letter was addressed to me under my maiden name. I immediately contacted Synchrony Bank Customer Service to advise I did not authorize the request for this credit. I requested a copy of the application details to be mailed to me. I was advised to submit a formal request in writing. I sent a written letter following up to my request for records and mailed it certified mail, tracking #  XXXX   XXXX   XXXX   XXXX   XXXX   , w hich Synchrony Bank received on  X/XX/17   . Since I received no response from Synchrony Bank, I sent a second letter to request a copy of the application on  X/XX/17   , tracking #  XXXX   XXXX   XXXX   XXXX   XXXX   ,  which Synchrony Bank received on  X/XX/17   . Both mailings included copies of my FTC Identity Theft Complaint and the face sheet referencing the Police Report I filed relating to my identity theft. As of today,  X/XX/17   , I have not received a written response from Synchrony Bank regarding the application details. In accordance with section  609 ( e )  of the Fair Credit Reporting Act,  15 U.S.C. 1681g ( e ) , I am entitled to the business records relating to the fraudulent request for credit. The law directs these documents are provided to victims of identity theft at no charge, and without requiring a subpoena, within  thir  ty ( 30 )  days of my written request. I am filing to complaint due to Synchrony Bank not responding to my request.
Consumer complaint received 2016-07-02
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A. (WA)

Citi Fraud Department will NOT unblock my account due to hostile Citi employee because I wo n't answer my home land line phone and Cit Fraud Department has zero solution after elevating problem to XXXX XXXX XXXX 2 months ago. 

I have nowq been inconvenience three times when requesting emergency servcies as my accoun t is blocked and Ciit demadns I return home to my house to answer a phone. 

Citi Fraud Department is INCAPABLE of verifying my account to unblocmmy account without me being at home since I DO NOT own a mobile phone!
Consumer complaint received 2016-11-23
Product: Debt collection — Non-federal student loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: TRANSWORLD SYSTEMS INC (CA)

TRANSWORLD SYSTEMS INC. never contacted me prior to reporting a derogatory account in XXXX XXXX to the credit bureaus. Furthermore, the account was already disputed with the original loan servicer as a result of identity theft and was past the statue of limitations for collection and reporting retention per California law. I 've learned from the listed original servicer - XXXX XXXX XXXX ( XXXX ) that the fraudulent unknown account was supposedly opened in XXXX of XXXX and no payments were ever made to the account, it went into non-payment went into non Payment in XXXX and is past the statues of limitations for collection in California and for credit reporting retention. However, on XXXX of XXXX, this company that HAS NEVER ATTEMPTED TO CONTACT ME ONCE reported this derogatory account information to the credit bureau ILLEGITIMATELY and FALSELY reported that the last payment received was on XXXX/XXXX/XXXX when no payments were ever made to this fraudulent account nor recorded by the listed original servicer of the alleged account. This is unlawful and against Fair Debt Collection Practices Act.
Consumer complaint received 2022-08-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: DISCOVER BANK (CA)

I have an discover high yield saving account and not been used recently. But XXXX, I saw there is one {$1800.00} transaction from my other account to this account which is for sure not done by me. After I login my discover account, I saw the money is been sent through XXXX to multiple unknow recipents. Those are for sure fraud, and I have no idea why discover bank could let that happen, which means the secruity of the bank is just bad. 
After I contact them, they insisted those are my liability and they refuse to investigate on the fraud and refund me money. 
They even froze/close my account to avoid me to login the account to grab detail information.