davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Mercedes Benz Financial Services (CA)

Mercedes-Benz Financial Services, the lender, originated a loan in XX/XX/XXXX for me, the borrower. The loan amount is {$34000.00} with a term of 66 months and an interest rate of 2.99 %. I called the customer service department of the lender in XX/XX/XXXX and questioned the calculation of payments but was told that they were all accurate and correct. This month ( XX/XX/XXXX ) the loan has been fully repaid. In total, the borrower has made payments of {$37000.00}. Of that amount the interest payment is {$3200.00}. Based on the loan amount ( {$34000.00} ), term ( 66 months ) and interest payment ( {$3200.00} ), the lender has actually charged the borrower an interest rate of 3.28 % rather than 2.99 % of the loan agreement. 

I am here to file a complaint that the lender has misrepresented the loan and overcharged the borrower for interest.
Consumer complaint received 2023-01-23
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (AL)

I have been in touch with Carrington mortgage company several times this month ( XX/XX/2023 ) I called on the 7 to make a payment and they refused to collect a payment, I called again to make another and they refused to take payment. The company stated they want a full payment or nothing at all. I could not come up with XXXX on the spot, I can make a regular payment several times this month to fix the late payments enough times to get me caught up. So I collected the money up to pay the XXXX at once I called today ( XX/XX/2023 ) carrington refused my payment again and stated that they will only accept through XXXX XXXX or XXXX XXXX. This makes me really uneasy because unlike XXXX XXXX or XXXX XXXX I can track when the money is taken out of my account who it went to at what time. So now Im forced to do it through these companies because they are certified and they trust these funds over my actual bank account. XXXX the first rep try explaining why its better but I failed to understand how it is better, then the supervisor named XXXX was very very insist on just XXXX XXXX  or XXXX XXXX. They applied a balance that I have that is XXXX so the full payment will be XXXX. I have had two mortgage companies prior to this company and was never told I HAD to use certified funds to make a payment let alone be denied ever in making any payment when behind. Im conflicted on sending it.
Consumer complaint received 2021-08-15
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: SYNCHRONY FINANCIAL (NV)

I have an XXXX MasterCard credit card issued by Synchrony Bank. Per cardmember agreements, I am supposed to receive 5 reward points per dollar spend at XXXX. However, I have not received the correct reward points since my statement closing on XX/XX/XXXX. For the statement closing on XX/XX/XXXX, I spent {$9100.00} on XXXX and is supposed to receive XXXX points on XXXX spend but only received XXXX points. For the statement closing on XX/XX/XXXX, I spent {$10000.00} on XXXX and is supposed to receive XXXX points on XXXX spend but only received 0 points. For the statement closing on XX/XX/XXXX, I spent {$10000.00} on XXXX  and is supposed to receive XXXX points on XXXX  spend but only received 0 points. Please refer to details in the 3 monthly statements attached. Also, in each statement, under the " reward information '', it also clearly states the following : " you will earn 5X points on your XXXX purchases for the rest of the year. 

Synchrony Bank informed me that the reason is that purchases with details XXXX XXXX XXXX are not considered XXXX spend. However, ever since my credit card account was opened in XX/XX/2019, all my purchases with details XXXXXXXX XXXX XXXX were considered XXXX spend and earning 5x points. Apparently, based on Synchrony Bank 's response, Synchrony Bank has only recently changed their rewards policy for the statement periods I stated in the complaint. Since Synchrony Bank has never informed cardmembers of such change in reward policy, Synchrony Bank should not use it as a reason to not award 5X points. Those purchases should still be entitled to 5X points.
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$300.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$470.00} XXXX XXXX Balance : {$550.00} XXXX XXXX XXXX XXXX Balance : {$690.00} XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$470.00} XXXX  XXXX XXXX Balance : {$54.00}
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

i have NEVER given this company my information and don't have an account with them they have stolen my information. I have never given Transunion ANY information to furnish on a credit report
Consumer complaint received 2021-10-21
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (IL)

I am asking for help in recovering {$180.00} that's missing out of my Chase savings account on XX/XX/2021 I withdraw {$61.00} from my savings that left balance of {$19.00} and change in it later on that evening on XX/XX/2021 I transfer two {$60.00} both to my everyday checking at Chase but somewhere someone changed it and one went into my Chase everyday checking and one went into my everyday checking at XXXX XXXX which they say they did not receive still someone in XXXX XXXX created a transfer of {$120.00} telling Chase that I did not have enough money in the bank I never made this request XXXX XXXX tried to charge me a {$35.00} in significant fun fee but they reversed it yet still whoever had my {$120.00} along with my {$60.00} at XXXX XXXX have not returned it Thank You
Consumer complaint received 2022-04-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (SC)

Dear XXXX In reviewing my credit report from XXXX, I found unauthorized Inquiries. I made numerous attempts to resolve this matter via XXXX automated service, however I had no success by phone. The following inquires are unauthorized. 1. XXXX XXXX XXXX XXXX inquiry date XX/XX/XXXX 2. XXXX XXXX inquiry date XX/XX/XXXX 3. XXXX XXXX inquiry date XX/XX/XXXX 4. XXXX XXXXXXXX XXXX XXXX inquiry date XX/XX/XXXX 5. XXXX XXXX inquiry date XX/XX/XXXX 6. XXXX XXXX XXXX inquiry date XX/XX/XXXX 7. XXXX XXXX inquiry date XX/XX/XXXX 8. XXXX XXXX XXXX inquiry date XX/XX/XXXX 9. XXXX  inquiry date XX/XX/XXXX 10. XXXX XXXX XXXX inquiry date XX/XX/XXXX Under 15 U.S Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall. ( i ) promptly delete.
Consumer complaint received 2022-04-16
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: EQUIFAX, INC. (CA)

I completed and returned their Dispute Request Form to Equifax, and it was received by their employee, XXXX XXXX, on XX/XX/XXXX. ( See certified mail receipt included as supporting documentation. ) The 30-day deadline to investigate my disputes is no later than XX/XX/XXXX. As of XX/XX/XXXX, the form I submitted is not logged on the dispute page of my online consumer credit report at myEquifax.com by the date of its receipt. ( See screen prints of dispute pages one and two included as supporting documentation. ) Additionally, since submitting the Dispute Request Form in XXXX, ADDITIONAL errors have appeared on my Equifax consumer report. An account is now being reported in duplicate. ( See supporting documentation illustrating duplicate account. ) Equifax has made of mockery of my consumer credit report and I want the following errors corrected no later than the 30-day deadline mandated in the Fair Credit Reporting Act ( the FCRA ), 15 U.S. Code 1681i : 1. XXXX XXXX XXXX XXXX Remove the 60-day late showing in XX/XX/XXXX. 
2. XXXX XXXX There are now two accounts listed. Both accounts show as open with {$1800.00} balances and 379 % and 79 % credit utilization. In actuality, one account is closed with a {$0.00} balance. The other is an open account with a {$0.00} balance and a high credit limit of {$2400.00}. When the dispute was submitted last month only XXXX XXXX XXXX account appeared on my credit report. I have not opened a second account. 
XXXX. XXXX XXXX XXXX Remove this collection account. 
I attached accompanying evidence to the dispute form submitted in XXXX and have provided no additional, relevant information that would permit the investigation of my disputes to extend beyond the 30-days permitted by law. 

Equifax reports blatantly inaccurate data on my consumer report. After filing their dispute form and speaking with various Equifax personnel, I believe that the credit bureau is negligent in its responsibilities under the FCRA to provide trained personnel to explain to the consumer any information furnished I also believe that the damage to my reputation is intentional and as such, I will be seeking all remedies available.
Consumer complaint received 2023-01-23
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Central Portfolio Control Inc. (ME)

Today, XX/XX/2023 at XXXX, Central Portfolio Control , Inc . Sent a text message to my mother, address to me. 
In the text, it contained an Agency ID to get into the account to view payment and discount options.

The only other info that was needed to get into and view all of my account details, including the amount owed, was the last 4 of my SSN.

Sharing my personal info is not only illegal but its unprofessional and very concerning. 
I have contacted a law firm and I also sent an email to CPC, INC. to tell them how inappropriate it was.
Consumer complaint received 2021-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

XXXX - REQUESTED PROOF OF VALIDATION OF ACCOUNT, REQUESTED VERFICATION OF DEBT LETTER, REUESTED PROOF OF ASSIGNMENT OF ACCOUNT, REQUESTED BREAK DOWN OF ALL FEES OWED, REQUEST NOTICE IN WRITING ABOUT REFUND FOR {$24000.00} DUE TO ME FOR OVERPAYMENT, REQUESTED FOR ACCOUNT TO BE DELETED UNTIL AMOUNT DUE IF VALIDATED PER THE FCRA AND FCDPA BUT COMPANY IGNORED MY REQUEST ; I AM ALSO A VICTIM IF EQUIFAX SECURITY BREACH, ALL INCORRECT INFORMATION NEEDS TO BE DELETED ASAP
Consumer complaint received 2019-12-04
Product: Credit card or prepaid card — General-purpose credit card or charge 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: CAPITAL ONE FINANCIAL CORPORATION (TX)

A recurring charge was posted on my bill for {$200.00}. This charge came from an email service that was no longer providing an acceptable service for us. I downgraded our service to {$5.00} just to keep our account open and asked the merchant -- XXXX  -- to refund {$190.00}. Since the merchant is not U.S.-based, the only method to contact it was by opening a help ticket on its site. I asked for the refund in the help ticket, but never received a reply. I then disputed the charge on my Capital One bill, but it was denied. When I called Capital One to discuss the denied credit, I was told since I did not have any documentation, it was my word vs. the merchant and even though the merchant never sent Capital One any reply, my dispute was denied. When I emphasized I did not have any documentation since XXXX  never replied to my help ticket, Capital One just stated there was nothing else it could do and tried to settle by crediting me {$100.00} of {$190.00} I disputed. I rejected the settlement. I believe Capital One is acting in bad faith. I have had this card for many years, but that didn't matter to Capital One.
Consumer complaint received 2021-01-22
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. (IN)

I am disturbed that you continue to list the dismissed bankruptcy as confirmed. 
Although it is your policy to keep reporting bankruptcies which are filed or adjusted for 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681c relating to Bankruptcy about dismissals or filings. 

The law states from date of adjudication or date of order for relief. Any case, civil or otherwise, that has been dismissed no longer exists in the eyes of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent.
Consumer complaint received 2019-12-04
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. (NY)

I am writing to dispute an account fraudulently opened in my name. 
I am a victim of identity theft and did not open this account. 
I am a victim of the XXXX  data breach. 
State issued ID have been compromised and my social security has been compromised. 
My postal mail was being forwarded out of state where theft of my personal information took place. 
I am not responsible for any charges made to these mentioned accounts.
Consumer complaint received 2021-02-03
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (TX)

In XX/XX/XXXX, I applied and was approved for Income-Based Repayment which as I was told by my loan servicer, which at the time was Sally Mae was the only step I needed to take at the time to work towards the Public Service Loan Forgiveness Program. I re-certified my income year after year to remain on this IBR plan and collected my Employer Verification forms for the ten years that I have continuously worked for 501 ( c ) 3 organizations as instructed by my loan servicer, which is now Navient. 
In XX/XX/XXXX, I attempted to submit those Employer Verification forms through studnetloans.gov as instructed by Navient but the system did not allow to do so. When I called Navient to inquire about this, they told me that I would need to send the Employer Verification forms to XXXX who processes all requests for Public Service Loan Forgiveness at this time. I faxed all the needed forms to XXXX on XX/XX/XXXX. I called to XXXX regarding receipt of this paperwork on XX/XX/XXXX and was told I needed to wait 30 days to confirm receipts of faxed communication. I called back to XXXX on XX/XX/XXXX and was told they had no record of communication from me but that fax communication may be delayed due to the holiday. 
On XX/XX/XXXX, after speaking to a customer service representative at XXXX and still being told there was no record of me in their system, I was transferred to a Public Service Loan Forgiveness Specialist in the organization who notified me that a denial letter for my application to the PSLF program had been sent to an old address that had been on an Employer Verification form from a previous employer. She stated over the phone that my application had been denied because I had failed to consolidate my Stanford loans into Direct loans when I originally began my income-based repayment in XXXX. However, never between XXXX and XXXX had I been notified by Navient that I needed to consolidate my loans into Direct loans in order to participate in the program, even though I had inquired to make sure I was on track with the PSLF program throughout my 10 years on IBR. During that time I was only told that as long as I made good faith payments on the IBR plan, I could apply for loan forgiveness after completing 120 payments. 
I asked the representative from XXXX to send the denial letter to my current address, and it is attached here. My conversation with the XXXX PSLF representative was the first I had heard about the need to consolidate by Stafford Loans into Direct Loans in order to participate in the program. At that time she advised me that none of the payments I had made on my IBR plan since XX/XX/XXXX would count towards the 120 payments needed to apply for loan forgiveness, but I was never given this information by Sallie Mae or Navient who have been my loan service organizations.
Consumer complaint received 2021-01-21
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. (TX)

On XX/XX/XXXX I sent a letter that detailed various inaccurate reported items on my credit report. As of today, XX/XX/XXXX, over 40 days later I have not received a response. Im not sure if my letters were discarded, or if they simply ignored my disputes, but I have not received any reply to my disputes. According to the FCRA Section 611 ( a ) failure to investigate these items within 30 days gives a reason to immediately remove these accounts from my credit report. It has been well over 30 days so they should be deleted immediately. I need these accounts to be deleted promptly, or I will be seeking litigation due to the strain this has placed on my health. Im fearful that these creditors have been using illegal tactics, or that my information was compromised as a result of the Equifax data Breach or some type of Identity theft. Please delete.
Consumer complaint received 2021-02-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO. (IN)

I RECEIVED A DEBIT CARD IN THE MAIL FROM CHASE AND I DO NOT BANK WITH CHASE THEY SAID THEY WERE GOING TO CLOSE IT BECAUSE THEY THOUGHT IT WAS FRAUD AND I DID GIVE THEM THE DEBIT CARD NUMBER BUT THEY SAID TO MAKE SURE I FILL OUT THE FRAUD INFORMATION
Consumer complaint received 2020-07-09
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. (GA)

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : Original Creditor, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, Company Inquiries : 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 2021-03-13
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I sent it a dispute on 30 days ago and have not heard back from equifax regarding a dispute to remove two accounts u see litigation. The two accounts are XXXX XXXX XXXX and XXXX XXXX XXXX
Consumer complaint received 2019-12-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2018 XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2019-12-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TransUnion continues to report illegal " Rent a Tribe, '' " Rent a Bank '' loans in which the lenders do not have licenses in the states in which they are lending money. Specifically, TransUnion accepts these trade-lines and takes no responsibility to do any due diligence on these lenders. Even after such lawsuits are settled with the lenders that require the information to be removed, TransUnion has taken not effort to remove these illegally reported loans which constitutes a fraud. 

Both XXXX XXXX and XXXX  ; which currently appear on my credit report are " Rent a Tribe '' " Rent a Bank '' illegal loans in which the lender had no license to lend within Florida. The rates charged by the lender exceed all state and federal usury rates.
Consumer complaint received 2020-07-08
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. (FL)

AFTER REVIEWING MY CREDIT REPORT, I HAVE FOUND AN INACCURATE ACCOUNT REPORTING ON MY CREDIT. THE ACCOUNT DOES NOT BELONG TO ME. I HAVE NO KNOWLEDGE OF THIS ACCOUNT. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND HAVE IT REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2018-11-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Conn's, Inc. (TX)

Creditor is reporting accounts that are invalid and unverified. XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.