davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-20
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (GA)

Hello! I have an Ashley furniture companys credit card by synchrony. They have charged me {$1300.00} on my XXXX bill. Saying its 29.99 % interest for the whole amount then charged me additional interest of {$100.00} on my XXXX statement which I was told by the rep 2.4 % per month. So despite charging me the whole 29.99 % which is basically a 12 month interest they still kept charging me {$100.00} every month that is too much interest. They are driving people more to debt specially the way they do it. The agent I spoke too said I cant do anything about it because that is how they do their business. I wasnt aware and was very surprised. This store credit card has a very bad way of doing its business. I think it should be reported to you. You should not allow them to offer credit cards to their future customers this customers will be in debt because of this credit card company. I wanted to dispute this and to let everybody know not to get Ashleys furniture credit card or you will be in debt after their promotion. Before I got this credit card I was not even told about the way they do the promotions and the interest. I really am very disappointed I can say I probably will not be a future customer anymore including my family. I really like them but the way they do their credit card business is not right. I have a lot of store credit cards and that is why I am loyal to them but this is so far the first store credit card company that does its business this way. I think it is very unfair to do this. I hope you Guys can talk to them and have them stop their way of business.
Consumer complaint received 2020-05-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (TX)

Hello, I have a complaint to the bank of citi bank, since 3 years ago I Applied for a secured credit card which made me make a deposit of XXXX dollars, which to date they have not wanted to return, they have sent me 2 letters telling me that they can not return it to me, and when i deposit it they tell me that within a year they will return it to me and it has not been so
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in 60 days to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports 84
Consumer complaint received 2024-08-22
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: EQUIFAX, INC. (LA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2020-10-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: M.A.R.S., Inc. (AR)

I have been trying to get this account taken off my XXXX  for over a year. XXXX  and XXXX  took the account off because it was not proven to be my account. I lived in apartments with my boyfriend and they had me put my social down for a background check but I never signed a lease with them. I was never contacted about the debt by anyone either.
Consumer complaint received 2020-05-14
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (CA)

There was a few payments missed so Mr. Cooper sent me a loan modification. Any back payments owed would be pushed to the end of the loan. I mean that is one of the points of a modification. All terms, conditions, and payments were met as we completed 3 trial payments in the amount of XXXX for three months which were XXXX XXXX and XXXX. Post mod first payment due XX/XX/2020 which is stated in our contract.. Our Mod papers papers were signed XX/XX/2020 with notary. We submitted our XXXX payment and was told we still owe for XXXX because they locked in the mod on XX/XX/XXXX. They can't account for payment but said it was received. That it went towards another payment. But it's not sitting in any suspense account. It's no way it was applied to anything because pre mod our payment was XXXX and trial period payment was was XXXX. They do not take partial payments. Our balance now shows for XXXX and XXXX. Our post mod payment is XXXX. The representative told me that maybe because of the pandemic things where slowed down. That has nothing to do with me. We met our obligations. Now they are hassling us for a payment that was already paid. Where did our payment go and how was it applied? Does it matter what date they singed their mod papers we did what they told us to do. We did everything right we had our contract signed by notary that they sent out and completed everyting by the times and dates they set. Now we are put in a very tough situation because now they want us to either pay 2 months or pay XXXX for 3 months to pay an XXXX payment that was clearly paid. They did not meet there obligations.
Consumer complaint received 2024-11-08
Product: Credit reporting 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)

I have identified accounts on my credit report that I did not authorize or open. These accounts are fraudulent and do not belong to me. I have contacted the credit bureaus and creditors to resolve this issue, but these accounts remain on my report. I am seeking assistance to have these unauthorized accounts permanently removed.
Consumer complaint received 2021-09-19
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: EQUIFAX, INC. (FL)

On XX/XX/XXXX inquiries has been wrongfully placed on my credit report BY your office and you are being held responsible from here on your currently reporting is 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. to whom this may concern I want to inform your office that you are in violation of fcra and fdcpa. you have violated my rights by reporting salse inaccurate information by placing these false accounts on my consumer credit report..the list of inquiries that are reporting has not been approved by me I have no knowledge of them, be advise by law I have the right to PRIVACY and you the credit reporting agencies have violated it..the list of accused inquiries accounts and dates FOLLOW : XXXX XXXX XXXX inquired on XX/XX/XXXX & XX/XX/XXXX, XXXX XXXX XXXX inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX inquired on XX/XX/XXXX, XXXX XXXX  inquired on XX/XX/XXXX & XX/XX/XXXX, XXXX inquired on XX/XX/XXXX, XXXX XXXX inquired on XX/XX/XXXX, XXXX inquired on XX/XX/XXXX, XXXX inquired on XX/XX/XXXX, XXXX inquired on XX/XX/XXXX, XXXX inquired on XX/XX/XXXX, XXXX XXXX XXXX inquired on XX/XX/XXXX & XX/XX/XXXX, XXXX XXXX XXXX inquired on XX/XX/XXXX & XX/XX/XXXX, XXXX XXXX inquired in XX/XX/XXXX, XXXX inquired on XX/XX/XXXX & XX/XX/XXXX, XXXX XXXX inquired on XX/XX/XXXX, XXXX XXXX XXXX inquired on XX/XX/XXXX XXXXBY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELTED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOW : XXXX, XXXX AND EQUIFAX ARE CURRENTLY IN VIOLATION AND HAS VOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 1681 Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods and undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It Is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. personnel, insurance, and other information In a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapt
Consumer complaint received 2020-05-13
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: CITIBANK, N.A. (GA)

I received a notice from XXXX that I had an unpaid account with CITI. I never opened a credit card with CITI and I disputed the claim. XXXX notified me that the company verified the information and so the issue will remain on my account. I don't know how the company verified this because I never opened a card with CITI.
Consumer complaint received 2020-05-13
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Westlake Services, LLC (PA)

This loan we originally held by another lender ( pelican auto finance ) that sold it. When it was sold they sold it for the original loan and the we place Westlake financial begin to try to collect on the full amount of the loan asfter i had had the car for several years. I contacted them when i was out of work on medical leave about deferring they payments but they did not want to help. Then i surrender the car and they would not pick it up or give me a place to take it. They refused to collect the car and told me they would just keep it on my credit. The care is not worth whats on my credit and as far as the value i have paid it but they are still negatively reporting that i owe $ XXXX on a XXXX XXXX XXXX that i am no longer in have.
Consumer complaint received 2020-05-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (IL)

I accepted a 12 mo. 0 % promo offer. I unknowingly forfeited my grace period for new purchases. If you make new purchases or are charged any fees ( i.e. renewal ) you WILL be charged your current finance charge IMMEDIATELY once the charge hits your card. It doesn't matter if you pay your statement balance in full each month - you're charged from day 1 for that charge - NO grace period. Seems like a SCAM to me. I am not aware of any other cards that do that. All of the 0 % promos I've had still retain the grace period and you are not charged ANY interest if you pay the minimum amount due each month + any new charges incurred. Thankfully I had the funds to pay the entire balance in full from savings and IMMEDIATELY stopped using the card. Seems like an unfair business practice to me because it's REALLY NOT 0 % if you're IMMEDIATELY being charged an extremely high interest rate for new purchases.
Consumer complaint received 2024-08-22
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: EQUIFAX, INC. (TX)

I sent a letter regarding the errors and unfamiliar entries on my credit report, but sadly, I haven't heard back in over 30 days. It seems like my concerns are being overlooked, and I feel taken advantage of. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. I might need to pursue legal action because of the stress this situation has put me under.
Consumer complaint received 2024-08-22
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: EQUIFAX, INC. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  With each fraudulent transaction and unauthorized account, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with the unsettling reality of a violated identity. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2024-11-19
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (TX)

I am reporting XXXX fraudulent accounts on my credit report, XXXX from XXXX XXXX XXXX XXXXXXXX and the other from Sunrise Credit Services collection company, with an amount of {$450.00}. I have no knowledge of these accounts and did not authorize or open any accounts with either company. I believe these accounts are the result of identity theft or a reporting error. I have filed a Fraud Report with the FTC and requested that XXXX remove these accounts from my credit report. I am seeking assistance from the CFPB to resolve this matter and ensure these fraudulent accounts are removed.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

Im requesting your help with this incorrect account reflected on my credit report. Ive flagged this issue because its been detrimental to my reputation, and I need your assistance. The poor handling of my credit report has severely affected me, as this incorrect information has harmed my reputation. You must correct these mistakes so I can live peacefully with my family.
Consumer complaint received 2020-05-13
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: EQUIFAX, INC. (FL)

See attatched FTC ID THEFT case XXXX. I began experiencing UNAUTHORIZED CHARGES on two credit card statements, XXXX CREDIT CARD & XXXX CREDIT CARD XXXX XX/XX/XXXX. See attatched EQUIFAX XX/XX/XXXX LETTER * CONFIRMING UNABLE TO LOCATE A CREDIT FILE. These requested documents were sent to Equifax 2 times & TO NO AVAIL?? ( How can a credit score on me from Equifax be ACCURATE WHEN CLEARLY THEY HAVE NO FILE ON ME?? ) ** I HOLD EQUIFAX ACCOUNTABLE FOR THE ID FRAUD THEFT I HAD ON BOTH THESE CARDS JUST AFTER THEIR BREACH OF XXXX. ALL MY INFO IS SOLD ON BLACK WEB TO HAUNT MY FUTURE TRANSACTIONS WITH RISK. I am XXXX years XXXX on limited income XXXX XXXX XXXXXXXX I CAN NOT AFFORD THIS HUDGE LOSS. I AM A TARGET BY PROFILE WITH NO PROTECTION. ** EQUIFAX PUT PROFIT OVER PRIVACY with GREED OVER PEOPLE EQUIFAX NEEDS TO BE HELD ACCOUNTABLE AND PAY RESTITUTION TO CONSUMERS.
Consumer complaint received 2024-08-22
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)

I earnestly request the removal of this entry from my credit report as it is not mine and appears to be fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about its impact on my creditworthiness. I implore you to conduct a thorough investigation and promptly rectify this error by removing this inaccurate information from my credit profile.
Consumer complaint received 2018-06-25
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: MARINER FINANCE, LLC (FL)

I'm being harassed with calls everyday on my cell phone which I didn't give them consent to call. In addition, a rude person is calling when I advised the company that I'm experiencing some financial difficulties and I will make a payment when I'm able to. Due to the frequent calls I'm now experiencing XXXX and XXXX.
Consumer complaint received 2020-05-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

Recd correspondence from Mr. Cooper XX/XX/XXXX explaining events most importantly a payoff stmt they sent XX/XX/XXXX that I did not receive. The issues that are still presented are as follows : The XX/XX/XXXX statement I received for the balance of {$390.00} does not state that those funds needed to be paid with a wire transfer. 

I never received the XX/XX/XXXX payoff statement you mentioned which makes perfect sense now why you proceeded as you did. The only payoff statement I received was on XX/XX/XXXX which was dated XX/XX/XXXX. I never had the additional charges nor the method of payment instructions until XX/XX/XXXX. I cant pay something I dont know about, nor can I make payment by wire transfer if I dont know anything about that either. 

You have not addressed the {$390.00} Nationstar check that was returned to you. I have paid the {$390.00} twice and am expecting a refund. I still feel I was not liable for late fee nor the default status on my mortgage and resultant implications on my credit report. 

I would really appreciate these issues being addressed and corrected at your earliest convenience.
Consumer complaint received 2018-02-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (FL)

This is in reference to complain No. XXXX. They continue lying about this issue. They want to talk about something is been talked for over 15 times. The only thing that are doing is gaining time and keep sending letters about dead lines I have to meet, when I requested communication on writing the denied it, they only thing write what is on their convenience, the rest is meaningless. I was a XXXX employee, now work for XXXX XXXX XXXX, and this time my hopes are in the Government since you are the only ones who have the power to stop to this madness. My only possession is this house I been paid for over 14 years and they want it either way.
Consumer complaint received 2018-02-22
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. (FL)

I went to see a financial advisor to help me pick a credit card to apply for. I insisted I only wanted to apply for one card. The advisor assured me there would only be 1 hard inquiry and I was approved for the card. However, because the financial advisor wasn't truthful, I ended up with 9 hard inquiries greatly affecting my score and the card I was approved for now has me jumping hoops through the fraud department. I never authorized the following inquiries : XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX   XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX.