davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (SD)

For the last year or so PayPal Credit/XXXX has been charging me interest on deferred interest charges. I pay my charges that are not interest deferred along with my interest deferred balance due on time and all together on one payment and do this online. PayPal Credit is not applying the payments correctly and they do not offer an online solution for allocating where my payment goes towards on the statement charges. I have called in several times to complain and get the interest charges off my statement but only get someone with dogs barking or kids crying in the background who have no clue how to help me. They keep telling me to call in and make my payment over the phone so it can be allocated correctly. Ive tried this several times and have no options via phone to get this done. It is a painful process and in the meantime Im paying interest charges for no reason as Im paying ahead on my deferred charges. Its a scam they are getting away with and Im furious! I feel I have no way to stop this and they continue to get money from me that is not theres to have. Please do something about this ASAP as they owe me money back from interest charges that should never have been applied.
Consumer complaint received 2021-10-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC. (OH)

No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
Consumer complaint received 2022-08-20
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: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

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 a account without my written instructions. 

On XX/XX/2022 I received a notice that my credit score had dropped XXXX points due to three late payments involving XXXX XXXX XXXX XXXX had been reported. The months reporting late were XXXX XXXX, XX/XX/2022, and XX/XX/2022. I have contacted all three credit unions, and provided them with copies of my on-time payments for the following months. In XXXX I made an on-time payment to XXXX XXXX XXXX XXXX in the amount of {$350.00}. In XXXX I made an on-time payment of {$350.00}, and in the month of XX/XX/2022, I made an on-time payment of {$350.00}. After a few weeks all three unions wrote me a letter informing me that all the information reported on my report was correct, and that they found no errors. This is incorrect, given I provided documentation proving that I indeed made on-time payments for the following months ; XXXX XXXX, XX/XX/2022, and XX/XX/2022. I would like these items to be corrected/and removed to report correctly.
Consumer complaint received 2022-07-05
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. (NC)

My complaint with Experian goes back to last year XX/XX/XXXX. I pulled my credit report and noticed three-credit bureaus added to my credit report, XXXX Account # XXXX. I disputed this in XXXX of XXXX in which all three credit bureaus removed this account after their investigation. Proof of deletion is attached. I just happen to see it again on my Experian report as I was checking my report, so I disputed it again. They sent me notification that this account in which I disputed before with all three bureaus was verified. Experian did not do a proper investigation, or they would have known they removed it before. I know its not accurate and I want it deleted. This is in a violation to my rights with the Fair Credit Reporting Act Laws. 15USC 1681a [ 1 ] [ 3 ] Reinvestigation required [ A ], & 15USC 1681s-2 [ 9 ] Duty to provide notice of status as medical information furnisher. & 15USC 1681i [ 5 ] Treatment of inaccurate or unverifiable information [ A ] i, ii. [ B ] I, ii, iii. [ 1-3 ] [ C ]. & 15 USC 1681s-2 [ 8 ] Ability of consumer to dispute information directly with furnisher [ E ] [ 1-4 ]. 
Along with that issue, I have submitted letters and made phone call in attempt to removed inaccurate inquires off my credit report that are not accurate. These are also in violation of my 15USC 1681 section 602A & 604A. 

XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX In addition, please send me the names. business address and phone numbers of those who made these unauthorized credit inquiries so I may contact them directly.
Consumer complaint received 2022-07-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

my car loan with XXXX XXXX XXXX violation according to the FCRA 15 U.S.C. 1605 determination of finance charge
Consumer complaint received 2021-10-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc. (UT)

This company is a nightmare. I called in 30 days ago to end forbearance and request a covid flex modification. They did not comply and instead kept me in forbearance. Whenever I call the number on the website, I'm unable to speak to a live person. If I select modification on the phone tree, it lands me at a 'canned response ' that states " please look at the website '' and then hangs up. I applied for a mod 30 days ago only to learn that they never took me off forbearance and basically ignored the request. Then I have been going through circles of ridiculous needless paperwork with a underwriter that obviously either doesn't know what is required for a flex mod or is purposefully trying to get home owners lost in endless loops of unnecessary documentation that no other mortgage company has ever asked for on a flex mod. This company is clearly trying to put up fabricated obstacles to a Flex Mod in the hopes of getting home owners lost in the weeds. The required and requested documentation is clear from their initial packet which I sent in completed and they are now changing these requirements on the fly. The most recent request is a good example... I initially sent in my P & L for the last quarter which is what they asked for in the packet and now they are stating send in each month separately. This is a stall tactic. They don't need that granular info for a flex mod. The waterfall doesn't require it. I guarantee when I send that in they will come up with another obstacle which is unnecessary. When they keep changing the rules on the fly then its obvious to me what they are doing. Not being able to speak with a live person just makes it worse. Everything they are doing isn't necessary for a flex mod and they know it.
Consumer complaint received 2021-10-13
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: Experian Information Solutions Inc. (MI)

Please see highlighted areas on attachments. 

How is it possible Experian investigated and verified the account but there are still inaccuracies showing if one creditor is reporting the same info? Negligence in reporting accuracy is proven here. Even after asking to investigate. For example, how can Experian report a 90 day late when also report perfect payment history? How can one report a Bankruptcy and months later report a charge off? Multiple violations. I feel as though Experian unfair reporting is violating my consumer rights willfully. Experian listing this inaccurate account info is hindering my personal life. Late payments, charge offs etc. are serious delinquencies. I cant qualify for a home loan or rental. This is negatively impacting my mental state and my children livelihood.
Consumer complaint received 2021-10-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

We had a leak from our roof and the insurance company sent a check in both my husbands name and mine, I checked to be sure I could do a mobile deposit that the check amount was not too much and it wasn't. We both signed the check and I deposited into my bank account and got confirmation that it was accepted. The next day the money was gone and we are talking $ XXXX. I called Bank of America and was informed it was the insurance company. When I got to work, I called the insurance co and they said it was not them. I called a local branch of BOA and was informed it was because my husbands name was not on the account. We made an appt and went down that day to add his name. We were told we had to wait for a letter in the mail and then come back down. This was about 4-5 day delay. We received a letter from BOA and we went immediately to the bank and was then informed it was not the letter that we would get another one. No way we were told there would be 2 letters. In the meantime we had the roofing contractors here as weather was changing and we were trying to work in between rainy days. I had to go take money out of my account ( this $ XXXX was not back yet ) and get a cash advance on my credit card. I had no other choice as the contractors had to get paid. It was later remembered that I did a mobile deposit so there fore I had the check and then I was told to come back down to redeposit it. I could have done that a week before but they told us I had to wait for a letter. I don't feel I should be penalize {$160.00} cash advance fee when all of the errors were committed by employees of BOA. It was one error after another. They never sent me an email or text stating why the money was removed. All it said on my account was amount correction. I get text and email alerts on transactions of less and this should have been a phone call. I have tried to talk with BOA branch employees and they tell me its the credit department that has to waive the fee. When I called the credit department they said it was a legitimate charge that they did not make the error but I said you are all BOA employees so I still feel the charge should be removed. I want this account closed but I am not paying that fee. I already paid back the cash advance so this fee is the only thing on the card.
Consumer complaint received 2022-06-30
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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 a account without my written instructions
Consumer complaint received 2024-08-23
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: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the informationisinaccurate.
Consumer complaint received 2022-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: SYNCHRONY FINANCIAL (TN)

I booked a hotel through XXXX and paid {$990.00}. I left earlier and paid on my way out in the snount of {$450.00}. I have contacted both XXXX and PayPal Mastercard about the dispute. The {$990.00} is still reflecting in the balance owed to paypal.
Consumer complaint received 2021-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (IN)

I do not recognize these hard inquiries on my XXXX credit report XXXX CARD SERVICES Location XXXX XXXX XXXX XXXX, DE XXXX Requested On XX/XX/2021, XX/XX/2021 Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX , SD XXXX Requested On XX/XX/2021 Phone ( XXXX ) XXXX Inquiry Type I also do not recognize any of the hard inquiries on my credit report from Experian, or XXXX either .
Consumer complaint received 2022-07-04
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: Experian Information Solutions Inc. (MS)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-09-12
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: General Motors Financial Company, Inc. (GA)

I filed a CFPB complaint on XX/XX/XXXX case number XXXX requesting documentary evidence of this alleged debt between GM Financial / General Motors Financial Company/ General Motors , XXXX AmeriCredit XXXX XXXX, XXXX XXXX XXXX etc. and XXXX XXXX. After further review of the documents sent to me by GM Financial, I discovered fraudulent activity. Please note of my findings : 1. A {$500.00} down payment was accepted by XXXXXXXX XXXX  XXXX as no cash payment shall be included in a credit transaction per Truth in Lending. The {$500.00} dollars was added back to the Total Sale Price. 
2. The contract stated in clause f we will sell the vehicle if you do not get it back. If you do not redeem, we will sell the vehicle. We will send you a written notice of sale before selling the vehicle. The consumer never received a written notice of sale from GM Financial. However, Consumer has documentation that no letter was delivered to XXXX XXXX XXXX. According to O.C.G.A. 10-1-36 when any motor vehicle has been repossessed after default in accordance with Part 6 of Article 9 of Title 11, the seller or holder shall not be entitled to recover a deficiency against the buyer unless within ten days after the repossession he or she forwards by registered or certified mail or statutory overnight delivery to the address of the buyer shown on the contract or later designated by the buyer a notice of the sellers or holders intention to pursue a deficiency claim against the buyer. 
3. On the application from XXXXXXXX XXXX XXXXXXXX, consumer birthdate is wrong the application has XX/XX/XXXX however consumer birthdate is XX/XX/XXXX. The signature is not consumer signature. If you note on all pages the consumer does not sign name as such. 
4. On the assignment to retail installment contract, there is not date of contract between seller ( XXXX XXXX XXXX XXXX XXXX ) and buyer ( XXXX XXXX, XXXX XXXX ). Nor is there a signature between Dealer-Seller and AmeriCredit has state on assignment. Only one signature.
Consumer complaint received 2022-02-26
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. (MS)

Equifax shows account as open. 
XXXX shows account as closed Equifax shows a balance on account XXXX shows account as zero My credit is being inaccurately reported and this is affecting me negatively. 

Name : XXXX XXXX XXXX {$580.00} Date of last report is inaccurate Date of last activity is inaccurate
Consumer complaint received 2022-02-26
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (MO)

I was notified that my account was paid off and as a result closed the account. The company also said they received two payments and sent me one as a credit. They then found out they were in the wrong, threatened me multiple times, and then said the account would stay closed but I had to pay off the {$900.00}. I found out today synchrony bank/care credit reopened my account and are charging a late fee. XXXX was notified and sent the charge through and then reversed the charge after I was told that it was handled correctly, and closed the account. I received bank statements today after being locked out of my account for months and reporting my username and password as stolen.
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AL)

I have XXXX hard inquiries on my equifax credit report Ive sent letters in by mail Ive also called numerous of times Ive filed a complaint with the ftc The following inquiries are unauthorized, and I ask that you delete them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Thank you for your time and help in this matter. Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I opened the account with XXXX Bank in XXXX, and the account was closed in XXXX. I am asking for this account to be deleted, because it has been seven years.
Consumer complaint received 2022-06-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WI)

I have a Merrill Lynch credit card through Bank of America. 
Benefit for the card is if {$50000.00} is used the year before than a {$200.00} travel voucher is applied to the card for expenses like luggage or drinks or food... 
I have XXXX of the exact same cards, however, XXXX is working automatically but the other card is not crediting me the charges. I have tried to contact the phone # XXXX that is given XXXX and XXXX but both teams have no clue. I can not reach anyone with authority who knows how to fix the problem. I have called and wasted at least 12 hours but there is no record on their part for any of my conversations in the past. I have phone records with the telephone numbers and how long I had to wait for service which went nowhere. 

There are XXXX charges from XXXX for baggage {$30.00} each XXXX. Not only do I want the charges to be credited but that the account is set up so they automatically do this. 
I have wasted so much time with something so simple.