davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (MI)

I signed up for Paypal credit years ago and never had a problem adding a debit card or bank account to my paypal account so I could pay my bills but 2 months ago I attempted to add a debit card/bank account to my paypal account and it wouldn't let me I do not have phone service so I contacted support via their secure message center [ which they told me isn't secure despite it saying it is ] that kept giving me a never ending response that I have to call them despite no phone service. I would have been happy enough just to get an address to send a check too but they purposefully have been dragging this out to get more money from me as of right now they have charged me : XX/XX/XXXX {$2.00} Interest charge XX/XX/XXXX {$2.00} Interest Charge XX/XX/XXXX {$27.00} Late Fee Despite me contacting them directly telling them I just want to pay my bill and their making it impossible I don't understand why else a company would deny their customer the ability to pay their bill unless they were doing it on purpose
Consumer complaint received 2023-06-15
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. (OH)

I am currently in the process of purchasing a house and I can not due to XXXX and XXXX 's inaccurate and erroneous reporting of accounts on my credit file. I have been trying for over a year to get them to investigate these items and they don't conduct a proper investigation and provided proof they actually have investigated these items. If all three credit reporting agencies have access to the same information how can my reports each be different? XXXX seems to be the only credit reporting agency that seems to follow the FCRA and cares about accurate reporting. This is my last attempt before legal action is taken. 

Please see attached letter and provide all items requested. If all items can't be provided these items need to be deleted immediately.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

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 XXXX XXXX XXXX. 

Account Name 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 XXXX XXXX XXXX  Account Number : XXXX and list of Inquiries. 

XXXX XXXX.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 2024-08-28
Product: Credit reporting 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. (WI)

XXXX XXXX XXXXXX/XX/XXXX not my account never applied or did business with this account XXXX XXXX XXXXXX/XX/XXXX never applies for this account this is not my account XXXX XXXX XXXXXX/XX/XXXX not my account XXXX XXXX XXXXXX/XX/XXXX not my account XXXX XXXX XXXXXX/XX/XXXX not my account XXXX XXXXXXXX XX/XX/XXXX not my account XXXX XX/XX/XXXX not my account XXXX XXXX XX/XX/XXXX not my account XXXXXXXX XXXX XXXXXX/XX/XXXX not my account XXXX XXXX XXXXXX/XX/XXXX not my account INQUIRIES : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX LATE PAYMENTS : XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2018-10-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP (NY)

US Bank has a due date on their card, i made the payment online directly with them. 
I was charged a late fee anyway. I called to contest the fee, I was told because I have had late fees before they can't waive the late fee even though I paid on time. The logic is because you have had problems paying before, when you did pay online on the due date they say that the time of the payment was after XXXX central time. Looking over several months, I see that unbeknowst to me I have been charged late fees anyway. Even when paying on the due date. This cant be correct. No other credit card companies charge the customer late fee for paying on the due date but after some arbitary time. I would like the fee waived. When I requested to speak to someone else, other than the customer service representative, I was cut off.
Consumer complaint received 2018-10-18
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Chrysalis Holdings LLC (VA)

I pay my Mortgage by direct debit monthly. My last payment came out on XXXX XX/XX/2018. I noticed as of XXXX XX/XX/2018 my payment has not been withdrawn as usual so I called XXXX XXXX XXXX to provide me an explanation. The informed me my mortgage has been sold to XXXX XXXX. I was not informed of this action at all. I was told a letter was sent out but i never received such a letter. I would like New Day to give me an explanation in writing on why i wasnt informed that my mortgage lender had changed. I would also like information on my new Lender to provide them the new direct debit info. I attempted to call them but all they wanted to do was quote me a bunch of legal mumbo jumbo.
Consumer complaint received 2018-10-18
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: SYNCHRONY FINANCIAL (GA)

On XX/XX/2018 Care Credit charged my XXXX XXXX account {$1000.00} to pay off the entire balance of my account which they were not authorized to do. A payment of {$51.00} was not even due until XX/XX/2018. When I saw they had charged my account for the entire balance I called them. They told me, " I'm sorry that was a mistake ''. So I asked them to reverse the charge because my rent was due on the XX/XX/XXXX and I needed that money to pay my rent. They told me the fastest way to get my money back was to call my bank. I called XXXX XXXX and told them what happened and they reversed the charges. I then called Care Credit back and told them I got my money back and that I was going to make the payment of {$51.00} that was due. I made the payment of {$51.00} but my bank rejected the payment to protect me from them taking anymore of my money without authorization. When I found out the next day my bank had rejected the payment I called them and told them to let the payments go through. By that time Care Credit had closed my account. I asked them to please re-open my account because they were the ones who took my money unauthorized in the first place. They told me the only way they could re-open my account was that I would have to make two payments a day apart so they could see if they would go through and then they would re-open it. So I made {$150.00} payment on XX/XX/2018 to show good faith, and she told me I could make a {$20.00} payment the next day. I showed good faith again and made a {$50.00} payment on XX/XX/2018. Then I called Care Credit back and pleaded with them to re-open my account because this would ruin my excellent credit by closing my account. I have a {$7500.00} credit limit with them and I've never been late one time making any payments with anyone and that's why I have excellent credit. 

In closing, I have attached all the documents to support my complaint. Care Credit closed my account illegally, they took money from my bank account illegally and paid off my balance which was not even due, illegally. Then, just because my bank rejected a payment by mistake they closed my excellent good standing account and told me they could not re-open it. So I'm pleading with you to make me whole again by having them re-open my account. I am stressed out and depressed about my account being closed. I have family members who are authorized users on this account as well. 

Respectfully, XXXX XXXX
Consumer complaint received 2018-11-12
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lazega & Johanson LLC (GA)

This debt collector is unscrupulous and the law firm engages in trickery. I had an HOA judgment and they illegally and unlawfully issued a garnishment on a person that was not named formally on the judgment. After payment of what I thought was in full to settle the judgment the law firm later changed the number and came back saying I owed another {$1000.00}, the case was not settled, and they wont dismiss the judgment. The law firm now refuses to adjust their legal fees and/or ask the HOA to remove the late fees and interest ( which I thought was happening when we agreed on the settlement amount that was paid ). I also found out that they sent only a tiny fraction of my settlement total to the HOA so the HOA still thinks that I owe almost the full balance.
Consumer complaint received 2018-10-18
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. (NY)

I filed for a lease extension at the termination of my lease through XXXX XXXX and they never told me that this was a new application. I had no idea that my auto payment was not going to continue to make the monthly payments. In 36 months I was never late a day. I was traveling and the only number that they had on file was my mother 's, she has been busy caring for my father in the hospital. She doesn't open mail in my name so she missed the letter that they sent me. Because I was completely uninformed that this was a new application, and there was no continuation of the previous auto payment my credit score has been severely impacted, so my new lease is greatly suffering.
Consumer complaint received 2024-08-29
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: Experian Information Solutions Inc. (TX)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (WV)

This is concerning XXXX XXXX credit card. I requested through my XXXX for them to do a Goodwill deletion of this and they refuse to the account is closed charged off and shows a balance well over what I was even allowed to have. They refuse to remove it so I can try to build my credit up a little bit.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

I have found false and misleading information on my consumer report which violates my consumer rights according to the FDCPA, GLBA, RFPA, & FCRA. 15 USC 1681a ( 2 ) ( B ), 15 USC 1681i disputed accuracy, 15 USC 1681s responsibilities of furnishers of information to consumer reporting agencies, 15 USC 1692g validation of debts, 15 USC 1692e false or misleading representations, 15 USC 1681b permissible purposes of consumer reports, 15 USC 1681c-1 protection of consumer information, 15 USC 6801 protection of nonpublic personal information, 15 USC 6802 obligations with respect to disclosures of personal information, 15 USC 6803 disclosure of institution 's privacy policy, 12 USC 3403 confidentiality of financial records. I'm sure the immediately removal of these accounts and inquiries will solve the problem of the laws that you are in violation of.
Consumer complaint received 2015-08-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Consultants, Inc. (FL)

I opened an account XXXX years ago. When I opened the account I was offered a discount of 20 % off every bill because I am a XXXX Veteran. I did n't ask for it and never knew about it until it was offered by the manager. I showed my Veterans ID and oppened the account. I never once received the discount. I called monthly and was always promised retroactive credit which I never received.I finally decided to change carriers. I think the final bill was about XXXX. I received a bill for XXXX. I have tried to contact XXXX for copies of past bills but they have been totally uncooperative. I am not refusing to pay, I am disputing the amount owed. They have given it to collections before and I have been successful in having it removed from my credit report. It has again been reported to the credit bureau XXXXI would like to have it removed until sprint at least makes an effort to correct their mistake.
Consumer complaint received 2024-08-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (CA)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2016-05-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

In a previous CFPB case, # XXXX, I disputed incorrect reporting status from Transunion in regards to my XXXX XXXX XXXX XXXX XXXX XXXX. Transunion responded as follows : " We received your complaint about the XXXX Home Loans # XXXX and XXXX Home Loans # XXXX in your credit report, and apologize for any difficulty you may have experienced. XXXX items identified in your complaint have been updated to reflect as paid with zero balances. '' About 30-days later, that information was updated by XXXX XXXX XXXX! Transunion again reports a balance owed and the account in open status.
Consumer complaint received 2017-03-04
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Avant Credit Corporation (OH)

Over the course of the summer, I applied for an installment loan with Avant at a 12 % interest rate. I selected a loan amount of {$11000.00} in which I thought it would be a 12 % interest rate for 36 months. On the website, the interest rate was and is hidden. Also, it is hard to tell how much you owe as well. Upon performing further research, I have learned that I am paying a 4 year loan at 34 %. I called Avant and complained about my rate and was advised I can apply again within 6 months. I waited 6 months and they said that you will actually have to wait 12 months to refinance. I have paid XXXX payments with a total amount of {$3400.00} with only paying down {$830.00} of the principal. I have a XXXX credit score and had recently applied for a pre-approval for a home mortgage, but I was denied the amount requested due to this high paying loan as it was a concern for my lender. I have performed research and have found out that this is predatory lending and I would like present my case and my loan application to be reviewed. I never applied for a 34 % Loan as this type of loan will keep individuals in eternal debt.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-08-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (TX)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-11-11
Product: Credit 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: CITIBANK, N.A. (PA)

Made an online purchase for television service at a motel. Cancelled before stated date to avoid recurring charges. Noticed charges not made by myself on card. Filed dispute. Card was cancelled and replaced. Next month, charges were again made on new account. Again, filed dispute and card replaced. Third month, same thing happened. Wash, rinse and repeat. This time, I contacted service provider, and it was discovered that there was indeed fraudulent charges being made, and stated they would stop it. Why was card company, after reaching a dispute resolution in my favor, still charging my card? My thinking it was easier to just resolve dispute, as opposed to actually researching and finding guilty party. Meanwhile I keep getting recurring charges that I keep disputing. I did inform agent that I would cancel card if it happened one more time. I am curious to see what will happen in XXXX. This is after service company stated they will stop charges, as seen as a fraud purchase. This company is the streaming company XXXX. I do not have any contracts through XXXX. They can verify this. But CitiBank keeps reposting my account after cancelling account and settling dispute in my favor. Please advise. Thank you.
Consumer complaint received 2017-03-04
Product: Debt collection — Credit card
Issue: Communication tactics — Called after sent written cease of comm
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

Dear XXXX Staff, XXXX bankruptcy filed in XX/XX/XXXX. Bankruptcy was dismissed in about XX/XX/XXXX due to falling behind on plan payments. My husband is XXXX became permanently XXXX in XX/XX/XXXX. I am XXXX, permanently laid off from my job of eight years and have filed for XXXX. Pennsylvania statue of limitations to collect a debt is four years. Portfolio Recovery Associates started contacting us by phone and US mail sometime after the bankruptcy was dismissed. I told them our situation and the statute of limitations in Pennsylvania verbally and also have sent them a letter to cease and desist. They continued to call us and send us bill statements in the mail. We registered our telephone numbers with the Do Not Call List several years ago. Their behavior is considered harassment to us. Just recently, they also placed a collection derogatory remark on both of our credit reports without notifying us of such action. They were asked to remove the derogatory remarks from our credit reports, but they have not complied with the request. They have been asked verbally and in written communication not to contact us and that we are on the XXXX Not Call List. Portfolio Recovery Associates is a debt buyer of old debt for pennies on the dollar and then attempt to collect the full amount plus fees for debts that are past the statue of limitations for collecting. Please try to stop them from harassing us anymore and please try to get them to remove the derogatory collection comment from both our credit reports. Thank You.