davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-22
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Credit Systems International, Inc. (TX)

I was a victim of identity theft and noticed a collection from Credit Systems Intl I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against Credit systems Intl in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Consumer complaint received 2016-02-23
Product: Credit card — 
Issue: Transaction issue — 
Company: PNC Bank N.A. (IL)

On XXXX/XXXX/2016 I deposited {$7000.00} in my PNC transaction account. On XXXX/XXXX/2016 with the funds showing available I scheduled a {$6800.00} to my PNC credit card for XXXX/XXXX/2016. My transaction account shows {$6800.00} withdrawn and credited to my PNC credit card on XXXX/XXXX/2016. However my credit card account shows {$0.00} available balance. When I called regarding my account status I was told that PNC had to verify funds. Why does PNC have to verify cleared from funds from my PNC transaction account used to make a payment on a PNC credit card account and thereby deny me access to my funds?
Consumer complaint received 2024-04-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NY)

As I mentioned the day that stolen from my account. I called the company and told them I have never traveled to Michigan or used my debit card there. 

To further prove this, at XXXXXXXX XXXX  on XX/XX/2023, I used my debit card to make a purchase at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX, and on the same day, I used my card at XXXX XXXX XXXX , XXXX, NY XXXX XXXX 

It is clear that the purchase that occurred in Michigan was not made by me, and someone has been pretending to be me to commit fraud and a criminal act. 

I believe it is Chase Bank 's responsibility to keep their customers safe, and for an amount like this, I should have been called to double-check. This whole process has been very painful and has caused me an immense amount of stress due to the lack of support I have received from Chase Bank customer service.
Consumer complaint received 2021-10-06
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. (MT)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.
Consumer complaint received 2016-10-04
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (CA)

Since XXXX, Specialized Loan Servicing has been " losing '' my monthly payments and not applying them correctly to my account. These payments are sent electronically directly from XXXX XXXX XXXX ( not US mail or paper check ), and I have proof of payments. Every month I have to print out a proof of payment ( to mail since they do n't accept email ) and call them and ask them to correct their records. They never correct them until I file a complaint with the CFPB.For example, Prior complaints are [ Case XXXX and XXXX. Every month my HELOC payment is electronically sent directly from XXXX XXXX XXXX to SLS for the monthly. I have been using this same process since the day SLS purchased by loan from XXXX. I received my statement for XX/XX/XXXX, dated XXXX/XXXX/XXXX and they are stating that I did not submit payment that was due on XXXX/XXXX/XXXX. The payment of {$190.00} ( ref # XXXX ) was delivered on XXXX/XXXX/XXXX because XXXX/XXXX/XXXX was a Saturday. I even called ahead and spoke with XXXX and told her that I would be sending the payment and it was scheduled to arrive on XXXX/XXXX/XXXX so it would not be late and that it should be applied to the monthly payment due ( it is not an " extra '' payment to be applied to principal ) .SLS needs to find this lost payment and remove reporting of late payments. I have NEVER been late with a payment, but my online profile now shows that I have a record of late payments. I know that late payments impact a person 's credit score. I am tired of wasting my time having to call them every month and spending money on paper, ink and postage to submit proofs of payment.
Consumer complaint received 2024-03-06
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (FL)

I made a promotional purchase at XXXX on XXXX XXXX for a 24 months payment. Followed all the stated ruls and my account was supposed to be XXXX by XXXX but I was charged with differed interest. Please go over the breif explanation ( XXXX of many messages I sent to Brandsmart/Synchrony Bank with attached documents ) and let me know if the charges are valid. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Good morning. I've been writing and sending messages to resolve this issue on my promotional purchase dated XXXX. The initial purchase amount was {$4400.00} and I paid {$100.00} on XXXX before the start of the promotion period ( XXXX ). That leaved the account with a balance of {$4300.00}. I DID NOT MAKE ANY OTHER PURCHASES AFTER. The promotion was for 24 MONTHS ending on XXXX. I made XXXX paymnts each in the amount of {$180.00} online ( XXXX ) and over the phone on XXXX. Then I set up the auto pay account with my business account first ( XXXX  XXXX ) and made payments for XXXX, XXXX, and XXXX of XXXX for {$180.00} each month. Then I switched it to a personal checking account ( XXXX XXXX ) and made all remaining payments. On XXXX XXXX my account balance was supposed to be XXXX based on my calculations as follows : Payment before I get the first statement {$100.00} ( XXXX ) payments online, over the phone {$360.00} ( XXXX ) payments via XXXX account {$540.00} ( XXXX ) payments via XXXX in XXXX {$900.00} ( XXXX ) payments in XXXX ( Truist ) {$2100.00} ( XXXX ) payments in XXXX ( XXXX  ) {$360.00} Total {$4400.00} ( over the initial promotional purchase ) I made regular payments without interruptions and equal payments each for {$180.00} during the grace period. 
Why is my account charged with unpaid deferred interest of {$2500.00}? 
I would like to have a copy of all my statements and the confirmation for the XXXX auto pay accounts with all details. 
Please email me the requested documents as I can only access the past XXXX statements. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - This is what it reads on the " Promotional Expiraion Notification '' of the statements : " YOU MUST PAY EACH PROMOTIONAL BALANCE IN FULL BY ITS EXPIRATION DATE TO AVOID PAYING DEFERRED INTEREST CHARGES. ''
Consumer complaint received 2024-05-01
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (NC)

The rate appears to be 5 % but is actually 64 %. In each payment only XXXX is going toward amount owed. I contacted them because my cash flow has decreased and now their required monthly payment exceeds my revenue. I proposed a lowering of their interest rate to allow me to have enough money to live on, but they refused to change the terms of their predatory lending loan at all. My loan was for {$18000.00} originally, I have made {$6400.00} in payments toward the loan in 6 months, but still owe according to them, {$17000.00}. This can not be a fair trade practice.
Consumer complaint received 2022-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OH)

In accordance with the Fair Credit Reporting act ( FCRA ) ; XXXX has violated my rights. On XX/XX/2022 there was an unauthorized inquiry. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 section 604 A. Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2015-12-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Podium Mortgage Capital LLC (WA)

I setup a payment online as I made previous payments on time with no problem. This was on XXXX I recently changed my Checking account number due to a car theft ( check book was inside car ). Went online and made ( so I thought ) payment scheduled for XX/XX/XXXX. one week later I noticed nothing was deducted out of my checking account, so I called back and they said it would take 10 - 12 business days even though I made them before and it took about 48 hours to process. The Customer service representative insisted nothing was wrong. Only to find out when I returned from vacation to find a late payment notice and an additional {$34.00} plus a {$25.00} submitting fee would be added to my account. I called back and the agent said they could not reverse the late charge due to not having a 12 month reporting history on my payments! THEY JUST BOUGHT MY LOAN, THIS WOULD NOT BE POSSIBLE!! I would like this removed from my account because I even followed up with them before the payment Due date and they did not want me to make a payment since one was processing.
Consumer complaint received 2020-11-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: PNC Bank N.A. (VA)

I am letting you know ... ... i have many complaints about my bank ... .i always have money deposited into my account like always ... the past few months have been a nightmare ... the bank refuses to let me use the outside atm machine ... the manager told me that the atm machine is broken ... and yet there are people litaraly taking money out of the machine ... it just wont let ME ... ..the bank also has kicked me out serveral times for not wearing a mask ... as well as give me my money that is in my account ... after multiple attempts ... .they now said they would let me walk up at the drive thru and in person have to take out my money ... this is crazy ... ..i need some advice and justice served ....
Consumer complaint received 2024-05-03
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA (NC)

I am writing to express my deep disappointment and frustration regarding my recent application for an Apple Credit Card, which was unexpectedly denied despite meeting or exceeding the stated minimum requirements.

I applied for the Apple Credit Card with a credit score of XXXX, well above the minimum score of XXXX required for approval. Furthermore, my credit report shows no hard inquiries or derogatory marks, indicating a responsible and stable financial history. Given these factors, I was confident in my eligibility for the Apple Credit Card.

However, to my dismay, my application was denied without any clear explanation. This rejection has left me bewildered and deeply concerned, especially considering that I appear to meet all the criteria for approval. As an XXXX XXXX individual, I can not help but wonder if my race played a role in this decision.

While I understand that credit decisions are complex and multifaceted, and that there may be factors beyond my credit score at play, I am troubled by the lack of transparency and clarity surrounding my denial. It is essential to ensure that the credit approval process is fair and free from any form of discrimination.

I kindly request a thorough review of my application and a detailed explanation for the denial. I urge you to reconsider my eligibility for the Apple Credit Card based on my qualifications and merits as a consumer. Additionally, I would appreciate any assistance or guidance you can provide to address my concerns and rectify this situation. 

Discrimination of any kind has no place in our society, and I trust that Apple values diversity and inclusivity. I hope that we can resolve this matter amicably and restore my confidence in your company 's commitment to fairness and equality.

Thank you for your attention to this matter. I look forward to your prompt response and a satisfactory resolution. 

If requested i can send a copy of my current report.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: LD Holdings Group, LLC (MI)

XXXX XXXX XXXX XXXX are moving slow on an XXXX XXXX XXXX XXXX when he started XX/XX/XXXX he said I must go to the bank to find out did he cash the checks. I told him that is what XXXX  employees told me and to make police report XXXX and on last Friday he said he still looking to find out did he cash them XXXX checks. 

On XX/XX/XXXX at XXXX for XXXX minutes I spoke XXXX XXXX and he said This guy XXXX XXXX is lying saying XXXX XXXX has clear title and is no clear title in the file and have a loan XXXX attached to your loan for XXXX to XXXX XXXX XXXX. I am also effected by loan depot data breach by XXXX XXXX around XX/XX/XXXX. 

XXXX XXXX XXXX XXXX  are all aware of my ownership on XX/XX/XXXX as XXXX XXXX XXXX and will all in XXXX  executive office are lying saying there were a foreclosure in XXXX is a lie. Also ref. XXXX answer to his inquiry by corrupt attorney XXXX XXXX XXXX XXXX on XX/XX/XXXX, WE WILL BE ABLE TO RESPOND TO YOUR INQUIRIES, IN FULL, IF XXXX XXXX XXXX XXXX XXXX CALLS US XXXX XXXX TO PROVIDE VERBAL AUTHORIZATION. 

On XX/XX/XXXX I spoke to XXXX  checking investigator XXXX and he said he found XXXX XXXX under that fake SSN number XXXX and XXXX XXXX cashed yo
Consumer complaint received 2024-05-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Central Kentucky Management Services, Inc (KY)

Central Kentucky Management Services , Inc, stated I owed {$80.00} I call them and told them that I am bankruptcy and was surprised that XXXX turn me over to collections because I was on a payment plan through them, and was not notified about it until Central Kentucky Management Services
Consumer complaint received 2020-05-16
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Veripro Solutions Inc. (CA)

I received a letter from Veripro Solutions and while they did lower my amount owed it is not lowered enough to pay. I am requesting them to lower the amount so that I can resolve this debt they say I owe. While I do appreciate them lowering the amount they say I owe, they have given me less than a month to find a lender to refinance my house, which I am finding impossible to do because of the time and the lien they have on my home. I don't understand how a debt collector can only give you less than a month to resolve this issue. Currently my wife is unemployed because of Covid pandemic and finding a loan without her salary is tough. I feel that veripro is out of touch with reality and is not in the business of helping consumers to resolve these financial issues. If they really wanted to help they would be more sympathetic to us consumers and give us a fair settlement during these difficult times.
Consumer complaint received 2024-05-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CHECKredi of Kentucky, LLC (AL)

I had written a check 2 months prior to it being processed, I had forgotten about it when I saw that it had posted and I was a few dollars short in my account I ran to the bank and made a cash deposit. 
Date : XX/XX/year> Fee Withdrawal DRAFT # XXXX - NSF Fee-Check Add a category - {$30.00} {$11.00} Unfortunately it had already been returned. I thought it would be run thru again so I left the money in the account to cover it. Even more unfortunately CheckRedi got the check a couple weeks later. never contacted me regarding the check and electronically took the funds from my account with a separate transaction for a {$35.00} fee which I did not have the funds for in the account so I had a NSF fee of {$30.00} as well they then proceeded to try again to withdraw their fee costing me another {$30.00}. 

DATE DESCRIPTION AMOUNT BALANCE Date : XX/XX/year> Fee Withdrawal COMPANY : CHECKREDI ( XXXX  XXXX  : RETURN FEE CALL XXXX C- NSF Fee-ACH Add a category Dispute- Never Authorized this charge - {$30.00} - {$52.00} Date : XX/XX/year> Fee Withdrawal COMPANY : CHECKREDI ( XXXX XXXX : RETURN FEE CALL XXXX - NSF Fee-ACH Add a category Dispute- Never Authorized this charge - {$30.00} - {$22.00} Date : XX/XX/year> Fee Withdrawal COMPANY : CHECKREDI ( XXXX XXXX  : RETURN FEE CALL XXXX - NSF Fee-ACH Erroneous Charges Dispute- Never Authorized this charge - {$30.00} {$2.00} Date : XX/XX/year> ACH Withdrawal DRAFT # XXXX COMPANY : CHECKREDI ( XXXX XXXX : XXXX  CALL XXXX Education - {$230.00} {$32.00} I contacted my bank to research what this was all about and received the information to call ChekRedi..I had called CheckRedi to see who they were and what this was all about, when I stated I never gave them permission to access my account they threatened my ability to write checks for my bills if I did no pay there fee, I informed them again they never had permission to retrieve funds from my account that they had never contacted me prior to doing so, by phone or mail. and that I would be pursuing legal action. I informed my bank that I never gave permission for CheckRedi to access my account or any permission for electronic transactions, My bank refunded the over draft fees, Thankfully, because CheckRedi had fraudulently received the funds from my account. Now CheckRedi is still hounding me every day, sometimes multiple times a da, even after they have been told I work over nights and am asleep during the early day. they are calling without any validity to their actions to get me to pay their fee Is there any thing I can legally do to stop them, and deny their alleged fee?
Consumer complaint received 2024-05-14
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo credit card for XXXX XXXX Wells Fargo case number : XXXX monthly {$63.00} Account number ending in : XXXX my name is : XXXX XXXX XXXX I am a widow on XXXX am I have Been struggling to keep my bills paid due to Health problems being in and out of the hospital but have tried to keep this payment paid on time. 
However on XXXX, I could not make My payment on time because I just had to Much to pay, my quarterly property tax more than doubled and I just couldnt pay Everything. I called Wells Fargo on XX/XX/year> to talk about not being able not make the payment and ask for an extension possibly, and was told absolutely not, they didnt do that and had no grace period and they are charging me a {$40.00} late fee. This is almost as much as the payment. I am already having issues with making my bills and then they just kick you with this big {$40.00} fee. Just dont seem fair. I am planning on making this payment {$63.00} on the XXXX XXXX XXXX But would like to get forgiveness for this late fee. ( {$40.00} ) Thank you XXXX XXXX XXXX
Consumer complaint received 2016-08-15
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PLAZA HOME MORTGAGE, INC. (OR)

XX/XX/XXXX I contacted Plaza Home Mortgage to ask for a payment deferral as I had lost my job. Plaza indicated that payment deferral was a loss mitigation option that they offered. On XXXX/XXXX/16 I submitted a loss mitigation application which kicked off a 1 & 1/2 month vortex of Plaza claiming I did not send them various documents and me trying to get them what they needed. It was so frustrating that I filed a CFPB complaint XX/XX/XXXX because it appeared that XXXX was either very incompetent or just giving me the runaround. Nothing became of that CFPB complaint. Finally, on XXXX XXXX I was notified that my file was complete and submitted for review. On XXXX XXXX, I was notified that our loan was selected for servicing transfer and that we would need to contact the new servicer for any information. We contacted the new servicer and they stated that : 1 ) Payment deferral is not an option 2 ) They do not have all of our documentation transferred from Plaza. 
I find it highly suspect that within a week of my file being deemed complete that I get transferred to another servicer who does not offer the loss mitigation solution that we had been assured was an option. I also find it infuriating that they do not have all of our documentation. Finally, I find it very suspect that my loan got transferred after I filed a CFPB complaint against them.
Consumer complaint received 2024-05-14
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BMO Bank, N.A. (CO)

This is regarding BMO Bank I logged into my BMO accounts to find most all funds removed. Further review showed Unauthorized Fraudulent ACH Epayment to XXXX. I reported this within hours of finding this issue, however it was 10 days after the XXXX XXXX was made. Bank is citing RegE XXXX hour notice. However, I believe the bank had a data breach that lead to this Fraud and they are not providing information to research. It has been XXXX weeks and I still don't have information regarding the research the bank performed to make this decision. This is a XXXX figure loss and the bank is not being cooperative of wanting to find out what actually occurred.
Consumer complaint received 2024-05-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc. (AR)

My mortgage was transferred to Mr Cooper in XXXX and I mailed a check for my mortgage payment to Mr Cooper as requested and it cleared my bank on XX/XX/year>. I called the bank on XX/XX/XXXX because my payment had not been posted to my account and was showing still due. It has still not been posted as of XXXX. On XX/XX/year> Mr Cooper made an unauthorized withdrawal from my checking account in the amount of {$240.00}. My mortgage was sold to this company and they are still allowed to be in business even after they have taken millions of unauthorized payments from customers! I dont want to do business with them and the first month they are taking money out of my account that is not owed them in any way. They have been sued in class action lawsuits for this very thing and they are still continuing to take money they arent entitled to!