davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-06
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (NV)

Requesting assistance from the CFPB to apply promotional offer oXXXX XXXX XXXX over XXXX  months on balance purchases of $ XXXX on Lowes Synchrony Store Card.

Contacted Lowes Synchrony on : XXXX. XX/XX/22 - Called Lowes Synchrony XXXX. Inquiry to Investigate. Follow-up letter via mail. 

XXXX. XXXX - Letter sent from Lowes Synchrony lacking conclusive data, decisions or specifics of purchases. Matter remained unresolved. 

XXXX. XX/XX/22 - Called Lowes Synchrony XXXX. Escalated to Promotions Dept.. Submitted dispute claim for $ XXXX not on XXXX  month promotional balance.30-60 day response. 

XXXX. XX/XX/22 - Called Lowes Synchrony XXXX. Follow-up on claims. Dispute Claim dismissed. Lowes Synchrony cited " Lack of information regarding itemized purchases within claim. '' Lowes Synchrony Store Card is the merchant of record.
Consumer complaint received 2022-12-06
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (AZ)

I received a Vanilla gift card ( issued by XXXX, distributed and serviced by InComm Financial Services , Inc. ) with a value of {$400.00} and expiration date of XX/XX/XXXX in XX/XX/XXXX. I tried using the card in XX/XX/XXXX but the card was declined. I called VanillaGift the next day and they told me the card was declined because it had already been used. I had not used this card and the card has been in my sole possession since receipt. I submitted a claim to dispute the transaction and was told it would take up to 60 days to resolve. In late XXXX, I received a letter from " incomm payments '' informing me that the dispute has been closed because " The Payments Network allows recovery efforts to be submitted within 60 days of the date the transaction cleared the account '' and that my claim is outside of this timeframe. Since I had no idea an unauthorized transaction had been made until I tried to use the card, imposing a 60 day timeline is unfair, deceptive, and perpetuates fraud on innocent consumers. For all I know, the company sold the same card to two recipients, as it was all done online.
Consumer complaint received 2022-12-06
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MD)

My mortgage company has been reporting late pays to the credit bureaus for several months now. I have tried contacting them directly to have the issue resolved with no help. I have disputed it with the credit bureaus only to have them put the late pay for the current month. I have submitted a Respa Notice of Error Request to address the issue of missing and incorrect payments being reported to the credit bureaus by the mortgage lender on XX/XX/2022. I have never received anything from my mortgage lender. It is screwing with my credit score and loans that I had to take out were priced significantly higher because of this error or denied completely.
Consumer complaint received 2022-12-06
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 — Was not notified of investigation status or results
Company: AMERISAVE MORTGAGE CORPORATION (MD)

My mortgage company has been reporting late pays to the credit bureaus for several months now. I have tried contacting them directly to have the issue resolved with no help. I have disputed it with the credit bureaus only to have them put the late pay for the current month. I have submitted a Respa Notice of Error Request to address the issue of missing and incorrect payments being reported to the credit bureaus by the mortgage lender on XX/XX/2022. I have never received anything from my mortgage lender. It is screwing with my credit score and loans that I had to take out were priced significantly higher because of this error or denied completely.
Consumer complaint received 2022-12-06
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: CORELOGIC INC (FL)

Dating back to XX/XX/2022, multiple inquires are on my credit report from sources i never applied to/ through. I am unable to contact these companies to get these inquiries removed, and the 3 major credit reporting agencies has requested a fraud letter. No loan was taken from most of these inquires it appears like. Totaling 45 inquires dating back to XX/XX/2022 XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Consumer Portfolio Services, Inc. (IL)

I purchased a used car from a dealer that said buy here pay here. I thought the dealer did their own financing but instead they use Consumer Portfolio dand they are ripping people off under the guise that they help people with poor credit.My loan was supposed to be paid off in XXXX of XXXX but they told me that since I had 2 extensions it would be paid off in XX/XX/2023. Now I called them about why my balance is still too high to be paid off in XXXX and they tell me that the same 2 extensions are causing interest on the loan again. They are charging interest on top of interest. They are preying on seniors and people that have poor or no credit.I have been paying for this car for over 4 years and have been making my payments on time and sometimes early. I have also had to put in a new engine 2 times. the company told me to send in repair bills because the engine failed before 30 days after I had purchased the car and they told me to send in repair bills but they never reimbursed me nor did they return my phone calls
Consumer complaint received 2022-12-06
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (OR)

Each time I call Navient, Department of Ed, or email FASFA I receive different information. I currently have a Joint Spousal Consolidation Loan that is serviced by Navient. Law was passed on XXXX XXXX allowing the separation of these loans. I have called all three agencies to get information and am told there is no process in place. I called Navient about a forbearance while DoE figures out the separation process and was told that I need to continue to pay my and exes portion of the loan until it is paid off. I have filed for PSLF after 23+ years in public service under qualified employers and the application can't be processed and was told that it can't be processed until separation is complete. Navient says to call FASFA, I call them and am told to call Navient who then says to look on studentaid.gov where there is no information. No one has answers and in the meantime, I continue paying for a loan that should be forgiven and on a portion that isn't mine.

I have asked Navient for a complete history of my loan. Payments as well as times in deferment/forbearance as was sent an incomplete list missing. The first papers were missing 12 years, when I sent them an email letting them know that is was incomplete they sent me a new one missing 10 years of history. Navient then said that since my loan had been transferred from servicer to servicer after they were all shut down there is no record of about 10 years of my history.
Consumer complaint received 2022-05-05
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NC)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2022-12-06
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Credit Corp Solutions Inc. (GA)

Credit Corp Solutions Inc. is in violation of my rights. Not only was I not notified of this debt before the company sued me, but they also are in violation of Fair Debt Collection Practice Act again as they are conveying False and Misleading Representations as a debt collector. Credit Corp solutions is not licensed in Georgia as a debt collector, neither do they hold any Georgia licenses as per the NMLS Consumer Access database. Furthermore, they are in violation of my rights under the law in regards to privacy, as I did not grant this company permission to have access to my nonpublic personal information. I have never done any business with this company nor do I have any contracts with my signature from this company. Lastly, this company is suing me for alleged debt but they can not declare under penalty of perjury that this debt even exists nor have they produced a valid copy of a contract with the so called creditor with my signature as verifiable proof of the alleged debt which is also a violation of my rights as according to FDCPA debt collectors must validate the debt.
Consumer complaint received 2022-12-06
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (NC)

My mortgage company at the moment is Freedom mortgage been with them since 2012. I recently looked into doing a cash out refinance and wanted information. Be very careful with them their employees will give you wrong information I was told that the lock in fee was refundable that is not the case and when you check your bank statements it show its an appraisal fee another thing they don't mention
Consumer complaint received 2022-11-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MRS BPO, LLC (NJ)

I moved from XXXX XXXX, VA to XXXX XXXX, NJ on XX/XX/22. 

On XX/XX/22 I cancelled my XXXX XXXX Account at XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, VA XXXX. 

On XX/XX/22 I return my router to the verizon store in XXXX XXXX, NJ. I asked the salesperson if I have anything left to do and they told me " You returned your router and all your bills are paid, you are good to go '' On XX/XX/22 I get a letter in the mail from MRS BPO , LLC. This letter said I owned {$82.00} to XXXX internet for unpaid bills. 

On XX/XX/22 I check my credit score. My credit score dropped XXXX points from XXXX to XXXX. I have never been late paying a bill in my life. 

On XX/XX/22 I called MRS BPO , LLC to try to resolve this mistake and on the phone it said my account was closed with XXXX XXXX. 

I am extremely upset becasue I was told that I did not have any outstanding balance and now my credit is ruined, when I was planning to buy a house. Something needs to be done to fix my credit score as this violates my consumer rights and as a current attorney barred in the state of New Jersey and Washington XXXX DC am prepared to file a suit via arbitration and submit this complaint to every other agency that has authority over this issue.
Consumer complaint received 2022-12-02
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (TX)

XX/XX/XXXX Opened a care credit card to help with unexpected pet emergency. Was able to obtain {$2000.00} credit for this. 

Over time I made payments timely and eventually paid it down but never anticipated closing as I intend to use the card when unexpected medical/dental emergencies or prescription needs would come up. For which every time I used the card, I always paid any balance due off but keeping the account open. Last used was back in XXXX at XXXX XXXX XXXX office for homeopathic services. 

Skip to XXXX synchrony bank- creditor for Care Credit closes account without notification and causing adverse action to my consumer reports. They said they utilized credit analysis software to come to decision to close the account. When there was no balance and it was just kept open. They said that even when my score was fair.. my high debt was a contributing factor to close and not continue business. I do believe this is unfair practice especially since I have XXXX other credit cards with the same creditor paid and in good standing but yet those accounts are not in jeopardy of closing. Please help mediate and rectify the account either by helping to reopen it with the same amount for credit or demand them remove any Care Credit consumer reporting information and history from my consumer reports all together entirely. Its upsetting..bc in a time were I had good reporting with them, they decide to harm my scores even worse by closing the account dropping scores XXXX pts. 

Thank you for your help in this really unfair circumstance. 

XXXX XXXX
Consumer complaint received 2022-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

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 XXXX 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 severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-08-13
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

Submitting a dispute against Experian credit reporting company. Based on their response to my last complaint where they say that I did not identify an issue which I did. They did not investigate my issue it's been submitted for dispute twice second time without my permission and in less than an hour I get a notification and response they do not actually have anybody looking into it so we're going to try to be specific again with Experian overall they should probably look at the uploads on my account for both XXXX and for XXXX and I will submit more documents. 
As far as XXXX my vehicle was stolen they made me purchase gap insurance prior and they claimed that my gap insurance expired and they've been attempting to Collect a debt.. my vehicle was not reported stolen until a week and a half after because they claimed they had repossessed it when in fact they hadn't and they did not know where it was. I had to wait in a week and a half to file a report for the theft and on the day they realized it had been stolen that immediately put it on my credit report as a charge off I'm wondering if experience getting a kickback from XXXX. I will submit legal documents. 
XXXX wireless they stated on my credit report that I paid in settlement. I did not my original bill was {$270.00} I closed my account with XXXX in XX/XX/2022. XXXX claims that they turned my phone 's off and waited till XXXX I have several emails from the company. Asking me to come back asking me for different amounts of money and basically patting the bill I sent this information in to Experian and it was ignored because you don't look at your uploads take them 3 to 5 days to upload so how you can respond or investigated dispute without the proof is absolutely amazing. amount that they claim that I owe I've also submitted that to Experian but you claim you don't have that either when I reached out to XXXX they transferred me to another company and when I attempted to contact them again they automatically transferred me to a debt collection company that they did not inform the credit companies that they had transferred me to the company that they transfer me to nce also did not report that they had the debt and they had added more to the bill for no evident explanation
Consumer complaint received 2022-12-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Consumer Portfolio Services, Inc. (TN)

The interest on my loan is way overstated. I have had a auto loan that did have an extension due to XXXX. 
The original loan was for {$28000.00} at 17.45 %. 
Several time during the loan, the entire payment was placed in to Interest. The payment before and after looked normal.

I believe this loan was paid off months ago but I had a lot of trouble getting the detail from them to look at.

Example ; My Payment is XXXX on XX/XX/XXXX {$150.00} went to interest and {$480.00} went to principal. 
My next payment the entire XXXX went to interest. 
XX/XX/XXXX my entire payment went to interest when the split On XX/XX/XXXX had {$48.00} going to interest and {$580.00} going to principal. 
All of the payments below went to interest and not principal. Thus the next payment I was overcharged in interest because the principal never reduced. 
XX/XX/XXXX {$630.00} XX/XX/XXXX {$630.00} XX/XX/XXXX {$630.00} XX/XX/XXXX {$630.00} XX/XX/XXXX {$630.00} XX/XX/XXXX {$630.00} XX/XX/XXXX {$630.00} XX/XX/XXXX {$630.00} I was given a few extension during COVID and although the claimed I would not be charge late charges ( some were reversed and some were not. 
I want the late fees waived and {$5100.00} applied to my principal.
Consumer complaint received 2022-12-02
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. (LA)

After reviewing my credit report I see an account that was not authorized by me and a collection that does not belong to me. I have contacted the police and reported this as fraud and was told to follow up with you guys. XXXX XXXX XXXX is on my credit report seeking a {$1000.00} collection for an account I have no knowledge of. I have never done business with XXXX XXXX XXXX. The credit report says it was opened on XX/XX/2020, and acct number is XXXX. I request an investigation in writing, and a return receipt requested from the credit agency.
Consumer complaint received 2022-08-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

By the provisions of the Fair Credit Reporting Act, I am sending this complaint to request that the account which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file.The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance : {$0.00} Please confirm the information shown in this account is 100 % accurate or CORRECT this account information from my credit report because I believe it may be erroneous.