davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-01
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: DISCOVER BANK (MD)

Original Complaint # XXXX : In XX/XX/XXXX, I started a personal loan for {$12000.00} through Discover at 18.99 % interest to pay off outstanding credit card debt with other creditors that were charging high repayment interest rates. In early XXXX, I began restructuring my overall debt portfolio and contacted Discover to negotiate new terms for the personal loan. Discover made only one offer which would lower my monthly payment by extending the period of the loan. With no other options, I accepted this one offer for a lower monthly payment. The interest rate remained the same. In XX/XX/XXXX, I located a not for profit debt consolidation company XXXX XXXX. XXXX contacted Discover and my other debtors to restructure my debt. Although my Discover credit card debt was accepted into the plan with a lower interest rate ( 9.99 % ), Discover declined to do the same for the Discover personal loan because I was already enrolled in the repayment program I had accepted before contacting XXXX. I have contacted Discover at least three times since they declined accepting the loan into the XXXX plan. Discover replied to my first inquiry with a letter in XX/XX/XXXX which explained that the loan was declined because it was already in the payment assistance program accepted earlier. In XX/XX/XXXX and XX/XX/XXXX, I called and spoke to Discover representatives, and both times Discover declined to make any changes to the loan that would allow the acceptance of this debt into the XXXX plan. Discover has refused to make any changes that would allow the debt to be added to the XXXX plan and save me money. The interest Discover is charging is too burdensome for my ability to repay this debt, and I would like to be eligible to at least add the debt to my consolidated repayment plan with XXXX XXXX. 
In the reply letter to the complaint from XXXX XXXX, Executive Office of Customer Advocacy, Discover indicated they would work with XXXX. However, Discover has again rejected the application submitted by XXXX to consolidate the loan. I have called and left messages for XXXX XXXX two times at the number provided in the reply letter to resolve the matter, but no reply has been received.
Consumer complaint received 2021-06-01
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: SRA Associates, Inc. (GA)

SRA Associates out of New Jersey promised to produce a full release of responsibilities in writing 24 hours after confirming a {$5000.00} payment to settle a collection. 72 hours later and no such letter has been received. This company has no bounds as to what time or location they call the primary account holders and even family that is unrelated to a case. We the people need help!
Consumer complaint received 2022-07-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In XX/XX/XXXX, I ended my service with XXXX XXXX and paid my final bill through XXXX XXXX. I am attaching bank statements and a clearance letter from XXXX XXXX on behalf of XXXX that I had no balance with them as of XX/XX/XXXX. I have not been a XXXX customer since then. 

In XX/XX/XXXX, XXXX years later, a company named XXXX XXXX opened a collection account on me for what they said was a debt to XXXX- the same exact debt that had been paid years prior. 

I reached out to XXXX  on multiple occasions, and even showed the proof I paid. The only solution they gave me was to pay this debt a second time. 

I then reached out to XXXX, and after some research they realized a huge mistake had been made - that there was not a debt I owed. XXXX of the XXXX employees suggested in a general sense that there was a communication error between departments. 

Since reaching out to XXXX 's XXXX office, they have tried tirelessly to get XXXX XXXX to either delete this incorrect negative mark, or to sell back the account to XXXX so that XXXX can do right by me. XXXX XXXX refuses to comply with them. I have communications with XXXX 's XXXX office stating such, and I even have an email from XXXX XXXX, XXXX of XXXX, stating that he requested this collection account be deleted on XX/XX/XXXX. It still has not though, and I believe this is of no fault on XXXX 's part. I truly believe they have exhausted all resources in an effort to get XXXX XXXX to make this right. XXXX XXXX suggested I work directly with both XXXX and Transunion, because since he does not own the account, he can not delete it from my credit report himself. 

I did just that last week- I filed an online dispute with both XXXX and Transunion. Within XXXX hours of me submitting all of my documentation, XXXX notified me the account was deleted from my credit report. This tells me my documentation was significant. However, when I attached the same documentation on to my Transunion dispute, Transunion called the debt valid and would not delete it. When I called to inquire, and spoke to a supervisor, I was told that Transunion 's policy is to only contact the owner of the account, which is XXXX, and XXXX said the debt was valid. Considering they have received official notifications from XXXX that this debt is wrong, I'm shocked that they could even lie to an official credit bureau. 

I am asking that you please help me stop XXXX from inaccurately reporting on my Transunion report, and continuing to destroy my credit. I have incurred financial expenses at this point due to the high interest rates I keep receiving as a result of this collection. In addition, my fianc and I are forced to rent rather than buy after recently selling our homes because of this blemish on my report.
Consumer complaint received 2018-05-07
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A. (FL)

Overdraft was caused in XX/XX/XXXX due to erroneous XXXX billing. It was a weekend so i contacted XXXX and they agreed to reverse the charge. On the following Monday I went into the PNC branch and asked the manager to reverse the overfrafts. I showed her the email from XXXX support and she refused and said I had to file a dispute ... which I did. I told her i would be closing account as I'm unemployed and alimony is $ XXXX month. At that point they had already assessed approx {$300.00} in overdraft charges. I don't know about you but {$700.00} remaining isn't going to cover monthly expenses much less food! 
I respectfully request the CFPB subpoena all email messages sent to PNC customer support via their secure email system. These messages which I no longer have access to clearly state I told them to close the account. Fast forward 3+ months they continued to charge monthly service and overdraft charges amounting to over $ 500+. 
While they did refund {$150.00} it is inexcuseable dishonest conduct. Please see attached documentation. I'm in the middle of a messy divorce so this and financial concerns has taken a back seat. The other issue is our MD state tax refund that was to go to my soon to be ex was mistakenly deposited into the PNC account as a clerk in accountant 's office used my PNC account into instead of his ... and PNC took the ENTIRE refund in overdraft charges ... had they been honest from the beginning and refunded the overdraft charges NONE of this would have happened. 
Again please subpoena those messages from both my personal checking account and business XXXX XXXX XXXX. They clearly indicate the accounts were to be closed so they have continued to rack up deceitful charges for months. Horrible bank. Horrible situation and complete lack of empathy or understanding on a situation that was not my fault. As far as their assertions w XXXX they had already been notified and given alternate cc number so not sure why ... and had they closed account it wouldn't have been an issue. 
Also PNC has been told not to call me ... and I would appreciate if they communicate only through you
Consumer complaint received 2018-05-07
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Cooling & Winter LLC (GA)

To whom it may concern : I am bringing a complaint against XXXX XXXX. XXXX XXXX XXXX and Cooling and Winter Law firm acting as a debt collector. 

My debt was with XXXX XXXX. The debt was originally my mother 's debt but I took over the debt after her death on XX/XX/XXXX. XXXX XXXX XXXX filed a garnish judgement against me but I am Social Security. On XX/XX/XXXX, XXXX XXXX XXXX placed a XXXX XXXX XXXX XXXX upon the home I stay in which I did not have ownership of the said property until I filed a Quickclaim Deed on XX/XX/XXXX. Now I am in a bankruptcy and they want me to pay to remove the lien off the property. The tactics they used are deceptive and unethical. Now neither debt collector law firm won't even answer my calls, return my calls. nothing. 
Not knowing the lien was on the property was sufficient reasons for my denial of mortgage assistance and the lost of my home. 
I also notice that the debt collector law firm was under investigation in XX/XX/XXXX same time they were putting liens on property that people don't own.
Consumer complaint received 2021-06-01
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL (RI)

I was hospitalized from XX/XX/XXXX through XX/XX/XXXX in the respiratory ICU. Fully immobilized and on a vent. During this time my XXXX and XXXX XXXX with Synchrony Bank became past due. The last payment I was able to make on this account was XX/XX/XXXX. I am single and no other authorized users were on the account. However, my parents who were my immediate next of kin and medical emergency contacts attempted to contact Synchrony to inform them of my hospitalization along with discussing payment options. Their attempts to make payments on my behalf were refused and the account eventually became charged off. 

A week ago, I received a summons, as I am now being sued for non-payment. This is the first communication that I have received regarding this account as last year no correspondences or mailings arrived alerting me to this debt since my discharge from the hospital in XXXX of XXXX. 
While I do not dispute the debt, i do not agree with the measures that Synchrony took to handle the account given attempts were being made to reconcile the debt before a law suit. Additionally, I had two other accounts owned by Synchrony ( Banana Republic & GAP ) that were paid off by my next of kin during my period of incapacitation.
Consumer complaint received 2022-02-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc. (OR)

I got an email today from a XXXX XXXX  imposter, with an invoice that says payment conformation in favour of Coinbase XXXX XXXX Order Details, Coinbase XXXX XXXX Paid Today. XXXX I.D . XXXX. Much gratitude to you for picking XXXX for your solicitation variation from Coinbase XXXX XXXX. If you didn't make this purchase, Call Now to drop this trade. Call Customer Service : XXXX XXXX. I had a similar experience recently with a XXXX XXXX  imposter regarding a bogus XXXX purchase so I recognized the scam. I have not called the number at this time. Last time they wanted me to go to XXXXXXXX XXXX buy and activate a XXXX gift card to prove my location and identity. The supposed XXXX XXXX  person got a fake XXXX employee on the line that gave me a hard sell. I told them where to get off. XXXX customer service referred me to you.
Consumer complaint received 2020-07-29
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. (NY)

I have contacted XXXX XXXX XXXX numerous times about this issue. I Filed Chapter XXXX And it was converted to a Chapter XXXX. On my Credit Reports, XXXX XXXX XXXX refuses to show the account as included in Bankruptcy. This is damaging my score as they are in clear Violation of the FCRA and the Bankruptcy Code. I received my Chapter XXXX discharge on XX/XX/2020. This is ridiculous that I can not move past this mortgage company.
Consumer complaint received 2021-06-01
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (CA)

XXXX, On XX/XX/XXXX i transfared XXXX XXXX XXXX  ( XXXX ) XXXX from my XXXX XXXX XXXX hardware wallet to my Coinbase account. 

I received a transaction conformation ( attachment # 01 ). 

My XXXX XXXX XXXX XXXX are gone of my XXXX  XXXX  XXXX but never received this Funds on my coinbase account ( attachment # 02 ). 

I opened a case with conbase customer suport on XX/XX/XXXX ( Case # XXXX XXXX Unfortunately i just get automated emails saying please be patience ( attachment # XXXX ). 

Thank you very much for your help,
Consumer complaint received 2020-03-20
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. (KY)

XXXX XXXX XXXX XXXX XXXX  XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU XXXX  XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX
Consumer complaint received 2022-09-25
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Lendmark Financial Services (CA)

I got a personal loan of {$3000.00} from Lendmark Financial on XX/XX/2020, I made payments on time for the most part or within the month, yet they still charge me a late fee, thats fine but they charge me interest as well, for a while the balance wasnt even going down, they keep harassing me by calling me the day after my due date to pay them if I dont pay them, they even call all of my emergency contacts. I also made a large payment and the balance significantly decreased, I made the mistake of missing some payments but resumed quickly. Then I noticed I was paying my loan for about 6 months and my balance wasnt going down. When I noticed they were charging me so much and my balance wasnt going down I asked them for a breakdown of the interest. They didnt want to give it to me in paper, when I called them they didnt answer me or get back to me, about a month later they called and told me over the phone that I owed like $ XXXX In interest for not paying for some months and all my payments were going to interest and not principal. Ive kept making payments and it seems like theyre still doing whatever theyve been doing because my balance barely goes down. I am just very confused with this loan, Ive never had this happen to me and I believe I am a victim of predatory lending. I cant seem to get below {$1300.00} now, I dont want to continue making payments because I feel I already paid this loan off a long time ago and theyre playing around with the numbers.
Consumer complaint received 2022-08-17
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. (MD)

I've been an Authorized User on my XXXX XXXX XXXX  account for about XXXX 1/2 yrs. And The 3 credit Bureaus XXXX, Equifax and XXXX aren't reporting the credit age on my credit account in my credit files. Only 2yrs. worth of Credit NOT XXXX XXXXXXXX length of history, which I should receive under the Fair Credit Act. Documents are attached showing it's not reported. My son 's payments for XXXX XXXX ( ALL ) payments are on time and never late.
Consumer complaint received 2020-03-20
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Exeter Finance, LLC. (NM)

My husband and I sent the finance company a final payment for our car and we paid the car off in full on XX/XX/2020. I have called them numerous times and asked them for our pay off letter and our title to the car. They keep telling me that it will be 7 to 10 business days to receive it but it has been almost a month now and we still havent received it. I called them again today XX/XX/2020 and the lady told me that they do not have any record of me calling and asking for it. But I have proof on my phone that I called them to ask for it and my husband is my witness to these phone calls. I am tired of the run around and would just like the pay off letter and title sent to us.
Consumer complaint received 2022-04-25
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: Experian Information Solutions Inc. (NY)

I sent out my dispute letter certified on XX/XX/XXXX and they received it on XX/XX/XXXX they had to sign to get the letter. It has been 33 days no response it is a violation of my rights. They also violated the law because according to XXXX5 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 a account without my written instructions I did not give anybody written instructions. 

The accounts that I disputed in my letter was XXXX XXXX account # XXXX Amount : XXXX XXXX  Account # XXXX Amount : XXXX Division of child sup en Account # XXXX I need these accounts deleted off of my credit report due to multiple laws being broke. The main law that was broken was the failure to a proper investigation because of this all of the accounts listed above need to be deleted. If not I will be seeking litigation for every account listed above. This is my 3rd attempt. Stop breaking all the consumer laws and promptly erase these unlawful accounts off of my credit report. I have been very specific and will be contacting a lawyer with all evidence if accounts are not taken off my credit report. Your company failed to even respond to my dispute letter that I hand wrote and sent certified mail that your company had to sign for. Erase accounts asap thank you to whom this may concern
Consumer complaint received 2018-05-07
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FEARON FINANCIAL LLC (MO)

I started the home buying process with Keller Mortgage. I was told they would pay my closing costs and prepaids and had various other items they would take care of for me. When I found a home for {$85000.00}, they told me they were not able to assist me with my closing costs as the loan was not profitable enough and they advised me to seek another loan with another company. 

I feel this is deceptive and they are only marketing this " paying of closing costs '' to those loans {$150000.00} or higher, as mentioned on their website. It is almost like they are redlining, in that they are steering away from the lower priced homes and not offering the same benefits to those people like me.
Consumer complaint received 2021-06-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: COMMERCE BANK (IL)

I applied for a credit card through COMMERCE BANK on XX/XX/2021 and was approved for {$8000.00} credit limit and was told my card was coming in the mail. Then on XX/XX/2021 I receive a letter saying my account has been closed because inaccurate/fraudulent statements made during application. I applied for a credit card with COMMERCE BANK on XXXX and was approved for {$3000.00} credit limit and was told the same thing that my card was coming in the mail, i even verified my address with a utility bill. That application was flagged because I left out my apartment number ( but they asked for documentation for the address ) which was provide. I spoke to a XXXX XXXX which verified everything. I got another letter in the mail saying my account has been closed because of inaccuracies. I believe this id discrimanation against me being an XXXX AMERICAN. I HAVE BUILT GOOD CREDIT AND HAVE SEVERAL CREDIT CARDS WITH BIG COMPANIES ( thats why im being approved ). Someone sitting in a office judging people and once applications are approved they are denying them. They do not ask for nothing to resolve any problems but just stripping you of working to build your credit up. This is discrimination. Whenever an individual sitting in a office judging people off paper is discrimination. This has happened twice to me with this company.