davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-10
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Cadence Bank (MS)

We are requesting a federal investigation of BancorpSouth Bank in Mississippi. XXXX XXXX and XXXX XXXX XXXX purchased a home, financed by BancorpSouth in XXXX, MS XX/XX/XXXX and were informed during the closing that they were purchasing mortgage protection also. When the application was received in the mail XX/XX/XXXX, XXXX XXXX completed this application and submitted it to Bancorp South because BancorpSouth 's name was listed on the application. This application was taken to Bancorp South. Although, BancorpSouth now states that this is not their application, XXXX and XXXX XXXX never received notice from BancorpSouth that this was not BancorpSouth 's application after he returned it to them in person. XXXX XXXX passed away in XXXX XXXX, and his wife and daughter, XXXX XXXX and XXXX XXXX, contacted the bank, who financed the mortgage and mortgage protection. The bank claims that the application is not their application, although they accepted it from XXXX XXXX in XX/XX/XXXX. It was also XXXX and XXXX XXXX 's understanding that the amount was included in their mortgage, which was deducted monthly from the XXXX bank account. The contact person is XXXX XXXX at BancorpSouth. Her telephone number is XXXX and her email address is XXXXXXXXXXXX. 

We sent a letter to BancorpSouth Bank on XXXX XXXX, XXXX, and BancorpSouth Bank 's attorney waited until the statute of limitations had run to respond to the letter on XXXX XXXX, XXXX. Although this was a very heartless and conniving move, we are requesting a full investigation in their handling of this matter. 

The estate of XXXX XXXX feels they are being discriminated against because they are XXXX and are being taken advantage of by BancorpSouth. Bancorp South is also refusing to produce documents regarding XXXX XXXX 's accounts, which indicate they have something to hide by withholding information. XXXX Strong, the attorney at BancorpSouth is stating that entering XXXX and XXXX XXXX social security numbers and obtaining their account information is " unreasonable and unduly burdensome. '' This is a ridiculous excuse. XXXX XXXX is requesting this information on her behalf and on behalf of the estate, and it should be sent to her. XXXX XXXX is ignoring the fact that XXXX XXXX served in the XXXX XXXX ; and since his death, his wife had to get a full-time job in her late XXXX 's, although she never worked a day in her life. She is also the administrator of the estate of XXXX XXXX. It is obvious that BancorpSouth has been mistreating and discriminating against XXXX, as they were fined XXXX dollars last month due to their unfair actions when banking and giving mortgages. See Consumer Financial Protection Bureau v. BancorpSouth Bank in XXXX, XXXX of XXXX , XXXX Division.
Consumer complaint received 2015-10-16
Product: Credit card — 
Issue: Credit determination — 
Company: Paypal Holdings, Inc (FL)

I have found a XXXX Hard Inquiry on both my XXXX reports from XXXX XXXX 2015. After research I found the originator of these inquiries from PayPal in which I did not apply. XXXX causing damage to my credit reports and score. With all the investigations and ongoing complaints regarding PayPal and it 's credit methods and problems I most certainly would not involve myself with PayPal credit. I am not sure if this was a mistake or fraudulent activity. But I have noticed other forums or internet sites stating around the same time or even earlier in XXXX similar occurrences. They state the industry standard for even handling a dispute of this nature is 60 days in which I myself rarely have had to dispute any discrepancies but found most companies to handle or correct the situation promptly. Generally resolving issues within just weeks. I also feel this practice of PayPal with their odd processes and systems in which PayPal themselves have recently been held accountable for should have a better system in place to handle and correct the many situations or discrepancies many have been having with PayPal.
Consumer complaint received 2016-03-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Flagstar Bank, N.A. (NM)

I was a victim of Flagstar Bank 's default servicing practices that were identified in your 2014 Consent Decree. I was forced into bankruptcy due to Flagstar. Upon dismissal if bankruptcy, I was to obtain modification from Flagstar, but at the same time the mortgage servicer was changed from Flagstar to XXXX XXXX and I had tremendous problems with XXXX and Flagstar obtaining information related to the terms and conditions of my modification. Even though XXXX XXXX was identified as my mortgage servicer, Flagstar has taken me to court and now wants to foreclose. it has been unclear to me who the current servicer is even though I know that the companies are supposed to give notice when there is a change. I have also noticed that you have obtained a Consent Order against XXXX XXXX. I am nor sure where I stand regarding ether of these Court Orders. At a minimum, I believe that neither company has complied with the terms of the Court Orders. Can you please advise me where I stand regarding the XXXX Court Orders.
Consumer complaint received 2016-02-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (TX)

We settled a dispute with a local hospital on XXXX XXXX, 2013. 
By reaching the settlement, we agreed to withdraw our legal complaints against the hospital, and the hospital agreed to accept an amount smaller than originally billed. 
It was stated in the settlement letter that by offering and accepting the settlement, both parties agree to release each other of any and all claims related to this account. 
The issue is, with this settlement, we have withdrawn our claims against the hospital, yet, they still have a negative statement on our credit report? Why? 
If the law allows them to continue to post this adverse statement on our credit report, even with this settlement, then at least, they can include a more clear statement in the Status section, such as, " Account settled on XXXX XXXX, 2013. Both parties agree to release each other from all claims relating to this account ''. 
This statement is more representative of the true status of this account, instead of the current description in our credit report, which carries the connotation that somehow, we still owe them money.
Consumer complaint received 2019-05-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: RockLoans Holdings LLC (CA)

Due to a third party credit repair agency mistakenly disputing the wrong information ( all done via computer and non-human error ) Rocketloans received an auto-letter of possible fraudulent information on my account. Instead of contacting me to clear up the very small issue which has happened before with a credit card and is very easily fixed they took it upon themselves to breach Debit and Note contracts to quickly try to set an unauthorized ACH withdrawal for the entire loan amount just days after issuance with no regard to the implications with myself and my bank. 

Unfortunately due to their unprofessional XXXX  response to the matter they breached contracts and my bank has cleared up the issues and I have blocked them from all further contact. I will contact all legal and law enforcement authorities if any more contact or attempts to debit are made and they will be used against them in a court of law. 

Please use this example to show the public and issue correct consequences for RocketLoans actions with total disregard to my well being since they indirectly also had my bank account locked ( to which I could not even access money to eat ) which I cleared up on my own while they ignored all calls even after I sent immediate proof of all information needed to clear the mistake. 

This loan is now void.
Consumer complaint received 2016-03-01
Product: Credit card — 
Issue: Billing disputes — 
Company: Paypal Holdings, Inc (WA)

Pal Pal Credit line made encouraged my response on every purchase to use their credit plan and defer payments for 6 mo with no interest. At the end of that 6 mo all the accrued interest was charged. The initial offer had no mention of this and the assumption was that in order to start using their service they were offering this 6 mo grace period without interest. I have sent a note to them that it was deceptive and unethical with the expectation that the customer will miss or forget to pay before the deadline and incur six months of interest. When I called the agent was clear that it was in writing and when looking back I did have to dig to see this disclosure.
Consumer complaint received 2017-10-11
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: LEXISNEXIS (IN)

ONCE AGAIN XXXX AND XXXX FAILED TO CORRECT THE ADDRESSES ASSCIATED WITH FRAUD AND I.D . THEFT SINCE XXXX. 

I HAVE ADVISED THEM SEVERAL TIMES THE RULE ON NOTICES OF ADDRESS DISCREPANCY, FACT ACT 315, FCRA SECTION 605H and 12CFR 41.82. ALSO, FAILED ALTERNATIVE TIMING OF ADDRESS VALIDATION.. SOMEONE USED MY I.D . TO BUY A HOUSE IN TEXAS, AND XXXX ADDRESS IN XXXX, IL. 

I AM DEMANDING XXXX AND XXXX REMOVE OR PURGE THIS FRAUDULENT INFO FROM THEIR DATA BASES.
Consumer complaint received 2022-10-01
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. (TX)

There are multiple errors in the listing that are damaging to me including balance, payment status, and date of last payment. Please update for lawful accuracy. Otherwise, update ASAP. Below are the inaccurate items from my credit report : Inquiry TEXAS XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXXXXXX # XXXXXXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (MD)

On XXXX XX/XX/2022, Synchrony Care Credit deceptively and maliciously cancelled my line of credit for {$20000.00}, which they had approved on XXXX XX/XX/2022. Synchrony took this predatory action in retaliation for my cancelation of a Care Credit XXXX sent to me, which I did not request from them. The cancellation of my Care Credit was discovered at the office of my medical provider, causing me irreparable delays and embarrassment, not to mention scheduling inconvenience and other damages. I contacted Synchrony Care Credit on XXXX XX/XX/2022 to resolve the issue, and lodge a complaint regarding their misleading and deceptive banking practices, described below : XXXX XX/XX/2022 : I spoke with Synchrony customer representative XXXX, who stated that I could cancel the Care Credit XXXX received in the mail, which I did not request, while my regular Care Credit account would would remain active for my medical procedure. Unfortunately, when I arrived at my provider on XXXX XX/XX/2022, the above credit card was declined as being cancelled by me, which is a false, deceptive and maliciously retaliatory practice by Synchrony. Also on this date, Synchrony falsely informed me that I must activate the Care Credit XXXX with a limit of {$12000.00} ( XXXX XXXX XXXX XXXX  to retain the Synchrony financing they previously approved for use with a medical provider. 

XXXX XX/XX/2022 : I spoke with Synchrony customer representative XXXX, who snickered and gloated at my loss of medical financing, and stated that by my cancelling of their XXXX ( which I did not request or want ) Synchrony had rescinded the Care Credit line of financing for {$20000.00}, which they had approved on XXXX XX/XX/2022. When I asked why Synchrony had sent me a XXXX I did not request, the Synchrony sarcasm was palpable, as XXXX stated that " select '' Care Credit members were " randomly '' selected to receive an upgrade in the form of the new XXXX with a XXXX XXXX XXXX. I stated that this was not an " upgrade '', and that the predatory pressure to maintain the unwanted XXXX or lose the financing of my medical procedure, was misleading, deceptive and malicious, and possibly illegal. 

After several attempts to redress this situation, Synchrony made no effort to resolve this situation, which has placed me in difficult straits. Synchrony proved to be misleading, deceptive, malicious, and in no way acting in good faith as a bank should.
Consumer complaint received 2015-03-27
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (MI)

I filed a complaint against Ally regarding my car loan earlier today however I finally was able to speak with an agent and learned why I have had so many issues during the four years. When Ally credits a payment they credit the payment to next or current car payment but do not credit any of the funds to any amount that may be " in arrears ''. When the next payment comes in they continue to credit the entire amount to the next payment regardless if there is a late fee or shortage in the previous/current month on the account. This keeps the customers account in a constant shortage which then incurs additional late charges and sets the customer up for reporting to the credit bureau. This is what has been happening to me since I became an Ally customer over 4 years ago. I have complained several times to Ally but they deny doing anything wrong. Today " XXXX '' told me how Ally credits payments which explains why/how Ally has been overcharging me for the last 4 years. Per " XXXX '' this form of accounting is perfectly acceptable. If this is the way a bank/credit union is suppose to credit payments then I have several other accounts to file complaints because none of my other lender do this underhanded accounting. I make more than XXXX payment per month so instead of Ally crediting my payments to current month or any arearage they are crediting payments to potentially future payments and leaving me with multiple late fees. When I make a payment I expect the money will be credited to what I owe - late fees, current monthly payment if additional to principle. I expect this every month.
Consumer complaint received 2016-09-07
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ALLY FINANCIAL INC. (FL)

I have a 60 day late notice on my credit score from ally financial. I had arranged for a payment to be pushed to the back end of my car loan while starting a new job. I made payments as scheduled in respect to this arrangement. 
This debt was moved- it not late. It should be removed from collections as it dropped my credit score over XXXX points.
Consumer complaint received 2023-01-31
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: ID Analytics, Inc. (GA)

YOUR COMPLAINT To whom it may concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureaus, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed, and validation is requested. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion ( to any/all of the XXXX major credit reporting agencies : XXXX, XXXX, and XXXX ) request shall be sent to me immediately. This is an attempt to correct your records, any information obtained shall be used for that purpose. Sincerely, XXXX XXXX
Consumer complaint received 2016-04-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (WV)

My current credit report has a collection item from IC Systems XXXX XXXX XXXX XXXX XXXX MN XXXX Account XXXX Original creditor XXXX XXXX this account has been on my credit report as far back as a copy I have from XX/XX/XXXX. The date listed is XX/XX/XXXX as collection date. I disputed this item and won, this item was removed However it keeps reappearing on all XXXX credit reports. I would like to have this item removed permanently. I am trying to repair my credit is there is no need for this company to keep adding a false item to my credit report.
Consumer complaint received 2015-06-12
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Paypal Holdings, Inc (CA)

I opted to use PayPal 's BillMeLater XXXX XXXX months interest free XXXX to purchase a refrigerator. PayPal subsequently provided a bill showing no payment due. However, on the XXXX bill showing a payment due, they had already rolled the entire XXXX months of interest into the balance due. Immediately upon receipt of the bill showing a payment, I contacted them to clarify that I could pay the balance in full without interest charges. They said I was a few days outside of that window. I asked to speak to a supervisor who told me that he understood my confusion and XXXX. ) asked me to pay the original balance and XXXX. ) asked me to fax a letter requesting the interest charges be removed. I made the payment with him and have faxed the letter XXXX now and although I get an acknowledgment email saying that I should see any adjustment within XXXX days, the interest remains on the account.
Consumer complaint received 2017-02-20
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (LA)

I 've disputed with all three major reporting credit bureaus ( XXXX, Experian, XXXX ) .I 've submitted three different disputes regarding unverified accounts via cretified mail. There responce is verified without back-up documents. This issue is drastically affecting my ability to re-finance my properties! I feel as if I 've reached a road block. I greatly appreciate your assistance in this delicate matter.
Consumer complaint received 2015-04-14
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: PNC Bank N.A. (GA)

In XXXX of XXXX I notified PNC Mortgage that I believed I was overcharged and overpaid PMI premiums from XXXX to XXXX. PNC sent later dated XXXX XXXX, XXXX acknowledging premiums were incorrect and they would work with PMI Carrier to correct. I received additional correspondence dated XXXX XXXX, XXXX stating research was still active and to allow 30 additional days for resolution. I have been in constant contact with PNC via phone since XXXX XXXX, XXXX only to be advised each time that the expected resolution date has been pushed further out into the future ; it has been moved five times in XXXX alone. Ultimately I recevied letter dated XXXX XXXX, XXXX advising how premiums were applied for XXXX and XXXX XXXX and that no refund was forthcoming ; completely contradicting establihed correspondence and utterly disregarding the original concern presented to PNC that premiums were overcharged/overpaid since loan origination.
Consumer complaint received 2016-07-08
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: NATIONSTAR MORTGAGE LLC (FL)

We contacted our current lender ( Nationstar Mortgage ) about refinancing our home to a lower interest rate and was denied several times. Our current interest rate is 5.5/8. We have been with them for over 8 years ; never been late or missed a payment. Our credit scores are in the XXXX. We was asking for a 15 or 20 year loan. They sent us 40 year 4.5 interest rate which we turn down.
Consumer complaint received 2021-01-18
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (GA)

Called Equifax in XX/XX/XXXX to have my comments/personal statement removed from my credit report because I was in the process of applying for a mortgage and the underwriter wanted my comments removed. Not any of the comments/personal statement notes were removed after my initial request. 
I called Equifax back in XX/XX/XXXX and nothing was done and no one had any record of my request. I again requested that the comments/personal statements be removed. I called back and a " customer service " supervisor '' stated that I was given erroneous information and that a dispute form was not needed and a statement was easy to remove. I was told that this may take 30 days to update. I check back 30, and 60 days to see if any changes were reflected on my credit report. I waited and as of XX/XX/XXXX, all of the cases that I opened have been closed as completed and nothing has been done about my multiple requests to have my comments/personal statements removed. I ran my credit report on XX/XX/XXXX and all of the comments are still showing on my credit report. This is delaying my opportunity to obtain a mortgage. I need immediate attention to this problem completed ASAP.
Consumer complaint received 2016-02-29
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (NY)

This XXXX will not receive payment for {$51.00}. I want to be removed from collections or I may contact the media to advise people what kind of office this is. I put down my eyeglass case next to my {$69.00} Bluetooth. When I went to leave just my eyeglass case was there. Not my Bluetooth. When I asked them about my headset they said they never saw it. I am XXXX or I would take them to court. When I asked all the staff there about my Bluetooth, but nobody there saw it. I want to be removed from collections