davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-16
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: EQUIFAX, INC. (PA)

I recently disputed inaccurate or erroneous information on my credit report with all three credit bureaus XXXX, Equifax and XXXX. It has been __ days and I have still not received any investigation results from any credit bureau. I included a copy of my ( drivers license and social security card ) as instructed. I read online that the credit bureaus have 30 days to respond to an investigation and they have not done so.
Consumer complaint received 2022-08-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

On XX/XX/XXXX Capitol One XXXX informed me my account was closed and they would not tell me why told me a check will be mailed to me. On XX/XX/2022 a rep told me my check would be mailed out the same day nothing happened also told me it was going into another account that is not mine. On XX/XX/XXXX nothing has been done spoke to XXXX number XXXX told me they have yet to close my account and i could be looking to XXXX before i see anything. Still, give me no reason why. I feel i should not talk to 3 different memebers and get 3 different answers i have XXXX young girls and now have no money for school lunch.
Consumer complaint received 2020-07-16
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: I.C. System, Inc. (AL)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and XXXX XXXX  
Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and  will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
Consumer complaint received 2020-07-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A. (VA)

On XX/XX/2020, through my bank ( XXXX XXXX  ), I made a domestic wire transfer of {$3400.00} to a friend. The friends bank ( PNC Bank ) for some reason said it was unauthorized for some reason and that the money would not be available in his account and that the money would be returned to the senders bank ( my bank, XXXX XXXX  ). Well that was over a month ago, and it still has never been returned. My bank ( XXXX XXXX ) has confirmed that it was properly authorized and completed two wire investigations with no response from PNC Bank. My friend has contacted PNC Bank several times and only received one message on XX/XX/2020 that the money would be returned to the senders bank.
Consumer complaint received 2020-09-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK (AZ)

Discover marked me down for a late payment in XXXX but i was able to get it waived early XXXX and was told it would be taken off my credit report. My new billing cycle began today ( XX/XX/11 ) and the missed payment has not been taken off of my credit report. I was also told it should not have ever been reported. Was never sent an email about the waive but it shows on my discover app as a " late charge refund. ''
Consumer complaint received 2020-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft and fraudulent actions. I have filed the attached FTC Report, and I also reported the issue to the companies where the accounts were opened. I am seeking your assistance to please remove and DELETE the accounts that were opened by fraud as per FCRA Section 605B ( a ). This fraud under my name and personal information are unacceptable. The listed accounts are unknown to me and they are inaccurate. My payments have been stellar and I dont remember missing a payment. Please block or remove these accounts from my credit report, pursuant to the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. I appreciate your prompt attention on this matter, and will wait for your response. Thank you!
Consumer complaint received 2021-04-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A. (MD)

I started an application for a checking account with Citibank which was never completed yet it shows in my credit report as open. I started a dispute with XXXX and they concluded that it was correct, I don't know the basis for that decision. I contacted Citibank and I was told that the account was never sent to the Credit agencies. 

I believe that it should be removed as it's not accurate. 

Thanks.
Consumer complaint received 2019-03-20
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: I.C. System, Inc. (CA)

I never sign a contract with this company I need a legal document that I sign with this collectors. I stated to send me a copy of a contract that I sign and they get mad and use verbal abuse. By law I need them to send me a contract that I sign with this collection company. If they cant provie me with the contract I expect tonremoven feon my credit by law and my right as a consumer.
Consumer complaint received 2020-07-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (AZ)

Hello! 

I have actively closed my CitiBank AA credit card more than 5 different times. I have been told, more than 5 times that the account has been closed. The first time I closed the card, the payed the entire amount and the balance was XXXX. YET - despite the account being closed, citibank allowed a XXXX subscription of {$4.00} to get billed ( they should have declined the bill ) and I continue to get statements for this card. The XXXX dollars was removed about a month ago after I was on the phone for over an hr an 4th time expressing my frustration and being affirmed that the account was closed and it was a mistake. Now- A month later, I got a bill for {$0.00} yet an available credit of XXXX **because the account is closed. 

Like I said- I have called 4 separate times and each time been told the account is XXXX and that the account is closed. Clearly - this is not the case. For the record, it is enraging and unethical that before I can speak to a live person, Citibank drops my calls at least 2 times and each call with them takes over 1.5 hours. 

Basically, the issue is that CitiBank lies to me every month that my account is closed, and continues to keep it open with just a few cents or a couple dollars that should never have been put on the card in the first place because the charges occurred AFTER the account was closed.
Consumer complaint received 2020-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NV)

Discovery and Determination of Alleged Student Loan Debt Letter and Response. 

This is notice that on or about XX/XX/XXXX, a call was placed to the XXXXS Dept of Education concerning false and or wrong information as to a debtor. The employee of the collections division wouldn't give name or name of 3rd party collections, rather made threats that this was an attempt to collect a debt and that they will determine on or by XX/XX/XXXX when they will collect money from social security benefits and such the like. 

As stated before the Claimant herein never said he didn't have a loan but stated clearly that there is and never was a consolidation. During the call with the agent of the 3rd party debt collector unknown name and address refused to give information, the agent said that this seems to be a problem between you and the Department of Education and XXXX XXXX because it was assumed that the claimant had somehow done a consolidation when clearly he did not. 

They also made mention of a hearing without a date in the future for this to take place but nothing is clear. 

The claimant paid the alleged loan off on XX/XX/XXXX via USPS mail by way of Tender of Payment act of XXXX. As such a copy of the tender of payment was mailed and delivered received by the US Treasury as all copies shall be sent to this department when a payment has been tendered. 

More over the Department of Education has listed this as a debt that was in collections and has damaged the claimants credit rating tremendously. As of XX/XX/XXXX this alleged consolidation was deleted from all three credit reporting agencies. 

On or about XX/XX/XXXX it was added back after a clear dispute of this debt and identity theft fraud was proven.
Consumer complaint received 2020-07-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: ARVEST BANK GROUP, INC. (CO)

On XX/XX/XXXX I requested a loan modification on my mortgage with Arvest Central Mortgage Company. I was given a 3 month forbearance in XXXX due to Covid and they were offering me another 3 months but what I wanted was to figure out how I was going to afford payments in the long term. 

I called numerous times and was transferred all over the system. I finally was told that my case would be reviewed and the term and interest rate could be changed to a 40 year loan. Not exactly what I had in mind but I was open to hearing what they would come up with. It is now 6 weeks since I started this process and haven't been able to get through to anyone, no written correspondence from them, as they assured me, no letters in the mail, no response whatsoever. 

I want to keep this house and I know this can be worked out ... but not if they aren't willing to speak with me.
Consumer complaint received 2021-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$100.00} XXXX XXXXL XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$160.00} XXXX XXXX Balance Owed : {$16000.00} XXXX XXXX Balance Owed : {$610.00} MID FL XXXX XXXX Balance Owed : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Owed : {$2900.00} XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Owed : {$720.00} XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2020-07-16
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: SYNCHRONY FINANCIAL (CA)

Synchrony Bank has decided to close my PayPal account due to me not being able to make the regular payments due to income loss from the pandemic. I work in real estate in XXXX XXXX, commission only, and buyers simply are not qualified any longer for loans because of their own income situations as a result of the pandemic. If people aren't buying, I am not making any money. And this is all due to the pandemic of course - clear and obvious. I am wondering if there is not an exception to them being able to do this - that is, for certain circumstances, actions can be justified or not due, for instance, to acts of God, etc ... unforeseeable reasons. I just do not think it is fair and right for Synchrony Bank to close my accounts or anyone else 's in this historically awful time. It is negatively affecting my credit reports - I just received an alert from XXXX. This just can't be right. Add to this situation that my wife and I subsidize my mother in law 's expenses about 80 % per month - she only receives {$660.00} in XXXX   per month. Living in XXXX  is a lot more expensive than {$660.00} per month. My wife and I have only been receiving UI benefits all this time - those benefits pale in comparison to our monthly income when real estate is open and thriving.
Consumer complaint received 2020-07-16
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: My Mortgage, Inc. (FL)

I was referred to Mr. XXXX XXXX, mortgage broker, as a stipulation of a real estate contract I entered. He was referred to me through Mr. XXXX XXXX, the sellers realtor. During the time period that I dealt with Mr. XXXX, he would repeatedly ignore correspondence via phone or email. He promised that he could get a second appraisal passed since the first one was " allegedly '' below what the seller was willing to accept. Shortly thereafter, he ignored correspondence from me and my realtor. He gave several deadlines that he was unable to honor. The appraisal was ultimately not accepted by FHA. 
Mr. XXXX worked with Mr. XXXX XXXX, sellers realtor, to draw out the real estate contract until I was outside of the loan approval period. When it came to light that he would be unable to fulfill his guarantees, he once again did not respond to any correspondence. He would not notify me of any issues until deadlines were looming or had passed. I was then notified by the sellers realtor that they would be keeping my escrow money because I was in breach of contract due to passed deadlines. I was able to work with the seller directly to remedy the issue and sought out another mortgage broker opportunity. 
In my opinion, I do not believe this is the first time they have colluded to swindle buyers out of their money. I honestly believe that had I not had a lawyer contact them immediately, they would have taken my money and would have gone on to another victim. I write this in the hopes that although everything worked out in my favor, I can help someone else from being placed in a similar predicament. 

Below I have listed the contact information for the involved parties : XXXX XXXX Legacy Group Lending XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone : XXXX Fax : XXXX Email : XXXX XXXX XXXX Real Estate Broker License # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX Phone : XXXX Email : XXXX XXXX
Consumer complaint received 2020-07-16
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: LDF Holdings, LLC (IL)

I received a phone call from a company called XXXX XXXX on XX/XX/XXXX. They stated that due to " bounced checks '' my loan from Availblue which is an XXXX XXXX loan which may be illegal. was getting ready to be sent to the courthouse here in my area for suit. I had sent a letter to Availblue revoking their right to use ACH payments but they still continued to try and take the payments. I called Availblue today XX/XX/XXXX and spoke to someone in Customer Service who said they had received my Revocation Notice but that the account had been turned over to a different collection agency than the one that called me yesterday. 

I never received any notification in the mail from XXXX or the Collection Agency until I received the phone call yesterday. 

I would like to know what my rights are in this case. 

XXXX XXXX
Consumer complaint received 2022-01-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RNN Group, Inc (VA)

In XXXX of 2021 I started receiving calls from RNN Group ( XXXX ) XXXX. I spoke to the company at lest three times and informed them this was not my debt that the SSN did not match mine. In XXXX of 2021 my company received a garnishment for my wages ; approximately {$800.00}. The information on the garnishment was my name but the address and the social security numbers were incorrect. I had my attorney XXXX XXXX make a filing with the courts to get the garnishment released. I have received two calls from them this week where I have advised them this is not me. My compliant is that they are calling my place of employment and speaking to my employees. It is clear this is a debt collector and my employees can tell. This is not my debt please let me know how I should proceed ; it is my fear they are going to garnish my wages again. 

I entered the SSN of the XXXX XXXX that was on the garnishment in the section that asked for the last four so the company can find the account in question. This is not the last four of my social.
Consumer complaint received 2020-07-16
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: SYNCHRONY FINANCIAL (WV)

The multiple choice questions are not really relevant to my issue. But I want to make a complaint about Synchrony Bank. My issue is that they eliminated the ability to pay online and will only take our payments over the phone or via mail. Also they do not email a receipt I was told that I would have to send out a letter to a PO Box to request a statement. They have sent our account to a collections agency and ruined my credit. I will admit we had gotten behind by 4 months waiting for an unemployment check because of COVID. I called them asking about the financial hardship programs that they have on there website and the agent was very rude and would not discuss options to catch the account up and was unwilling to set us back up to a monthly plan or have the ability to check our account online and pay the amount off that way.
Consumer complaint received 2020-12-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (MI)

I lived at the property address XXXX XXXX XXXX XXXX, XXXX, MI. 
I put the comcast bill into my name. I paid my bill on time while I lived there. 
I moved out of this property, and cancelled my XXXX XXXX at this address and moved it to my new address. From what I have found out, they never turned the service off at this address. They continued to bill me at this address, which I never received any notifications on. This bill stayed on for 6 months without me knowing and the person in the house was using this service under my name. I am not responsible for this bill, I did everything i was suppose to to remove it from my name. Please remove this from my credit report, and remove the amount due from me.
Consumer complaint received 2020-12-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (NC)

I am a delivery driver for XXXX, and JPMorgan Chase Bank advertises a {$200.00} bonus for XXXX drivers who open a brand new Chase Total Checking Account and use the instant cash out feature within the Grubhub app to send funds to that new account within 90 days. After satisfying these conditions Chase advertises that they will deposit the {$200.00} within 10 business days. 

I completed these requirements and never received this bonus. The account was opened on XX/XX/2020 and I performed my first cash out on XX/XX/2020. Well within the 90 day window stated in the promotion. 

I waited the 10 days and did not receive the bonus. At first I thought maybe they were backed up or behind due to the various situations in the country right now with the virus, etc. I held out hope that they would eventually honor their own promotion. 

After another couple of weeks or so beyond the stated 10 days I reached out to Chase on XX/XX/2020 to see what was going on. I was told that promotions like this one require a coupon code and that one was not applied to my account. I was also told that coupon codes can not be applied more than 21 days after the account opening, so I am ineligible to add one retroactively. My problem is that there was no coupon code listed with this promotion. I read and reread the promotion and its conditions several times both before I created the account and again after receiving that response. There is no coupon code listed. How can a promotion require a coupon code that does not exist and/or is not provided with the promotion. This is deceitful. 

Here is a link that details the promotion, it is at the bottom of the page in the grey box : XXXX XXXX XXXX # numberone I am also attaching screenshots of the details of the promotion from that link in the documents section of this complaint form. 

I did everything required on my end, but Chase did not honor their own advertisement.