davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-06
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (FL)

I have had a Lowe 's ( XXXX XXXX ) Store credit card for over two years. Never been late, always paid on time or paid my whole balance off, etc. I always had a credit limit of {$2400.00}. All of a sudden on XXXX XXXX, XXXX, they lowered my credit limit to {$100.00} and reported me " late '' to the credit bureaus. I was not late. I made a return that canceled out the balance due on my card. Lowe 's charged me {$1.00} interest for that month, but I did n't know it. I never got a statement for XXXX. It was during Hurricane Irma. I live in XXXX florida. Mail was lost, we were without power for 2 weeks. No internet, etc. So it is understandable that the bill got lost. However, I figured that I did n't have anything due because of my return. I never received a statement for XXXX XXXX either, but I am applying for a mortgage and the lender told me Lowe 's had flagged my account for 30-60 days past due! I logged into their website and they charged me a {$25.00} late fee for not paying the {$1.00} interest on a ZERO balance and then they decreased my credit limit by {$2300.00}. Abolutely UNACCEPTABLE. Now I can not get my mortgage until this is cleared up. I called and did online chat with two different people today. The last representative told me that it was Lowe 's error, they were removing one of the late fees and he was sorry but that is their policy to charge {$1.00} a month even if you have a zero balance currently if you had anything on the card at all during the month. Is that even legal? Can you charge someone {$1.00} interest on zero dollars???!! All of this After I received an email from Synchrony stating that no late fees would be charged to victims of Hurricane Irma because they " care about their customers. '' I figured I did n't need it because I did n't carry a balance over. Guess I was wrong because they charged me a {$25.00} late fee for their {$1.00} in interest on a {$0.00} balance. What a load of XXXX!!!
Consumer complaint received 2017-11-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

In servicing my mortgage payment in early XXXX XXXX, Bank of America ( BofA ) applied a {$550.00} payment incorrectly, putting over {$500.00} to interest when the correct amount should have been {$19.00}. My wife and I had originally taken out the mortgage with one of the Bank of America 's predecessor financial institutions in XXXX XXXX. At some point, BofA ( and for several years ) had used XXXX ( formerly XXXX ) XXXX as its servicing agent. for the past few years, I had been making electronic payments to XXXX every two weeks, consistent with my payroll frequency. I was also paying slightly more than required with the aim to complete the mortgage a few months ahead of time. I had no issues when XXXX had serviced the loan. 

In XXXX of this year, servicing reverted to BofA. The very first electronic payment I made to BofA upon them servicing the loan was missapplied with the bank applying {$520.00} toward interest and only {$28.00} toward principal. This contrasts to the last payment I had made to XXXX in late XXXX wherein over {$500.00} was properly applied to principal and about {$21.00} was applied to interest. Also, in later {$550.00} payments made to BofA, the amounts applied to principal were consistently over {$500.00}. 

I have contacted the bank on at least five occasions beginning on XX/XX/XXXXnd while each person I had talked with seemed to think an error had been made, none of them were permitted ( by their job duties ) to correct the error. On three of those occasions, I was told I would receive a call back, but to this date, I have not. On one of those occasions, I went to a local branch thinking that might help resolve the situation, but it did not. As the error is in the bank 's favor, I feel that they are not motivated to correct anything. 

In one of those calls, the agent had told me that I was not permitted to make payments more than on a monthly basis, so there calculation was therefore correct. This was nonsensical, as the frequency of payments has nothing to do with how simple interest is calculated. 

This has been especially frustrating as I am a CPA and an auditor with a strong mathematical background. I know the correct calculations and have proven them out using XXXX, yet I can get no satisfaction, much less a return call, from BofA. I am toward the tail end of this mortgage, with the aim of having it paid off in full in XXXX XXXX so I ca n't wait long for a resolution.
Consumer complaint received 2023-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 1989, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written 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 Anv other adverse item of intormation. 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 2021-08-21
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: ALLY FINANCIAL INC. (WA)

On XX/XX/XXXX, I sent a formal 15-day request via US mail for a description of the procedures used to determine the accuracy and completeness of the information furnished to my credit report regarding account # XXXX with Ally Financial and/or Ally Bank, and a dismissed Chapter XXXX bankruptcy in XX/XX/XXXX, per FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) and FCRA 611 ( a ) ( 7 ), wherein it states, a consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15-days after receiving a request from the consumer for that description. 

As of today, XX/XX/XXXX ( 20-days later ), XXXX has failed to acknowledge my request, send appropriate notification, provide the information I am entitled to, and has continuously furnished inaccurate and incomplete information to my credit report in the matter of these 2-items ( mentioned above ). 

1. ) Account # XXXX with Ally Financial and/or Ally Bank : I have personally engaged the US Bankruptcy Court for the Western District of Washington via telephone and US mail to confirm dates-of-birth and social security numbers of parties named in any case are not shared with third parties. 

2. ) Dismissed Chapter XXXX Bankruptcy/ XXXX : I have reached out via phone and email to Ally Financial to confirm the original contract a. ) can not be located b. ) Ally Financial no longer " owns it '' and c. ) there is new case law supporting my position in the matter as of XX/XX/XXXX ( Ally Financial Inc. v. Haskins class action settlement received final approval ).
Consumer complaint received 2017-11-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY (WI)

This is in regards to complaint # XXXX, I request to reopen complaint as Wells Fargo is deceiving CFPB and hiding the fact that I did contact Wells Fargo onXX/XX/XXXX spoke with XXXX from XXXX XXXX IA fraud department, she was not helpful then I requested supervisor and she would not allow to speak with supervisor. I went the XXXX WI branch and worked with Personal Banker XXXX XXXX who spent an hour on the phone while they recycled him, after an hour I left. In a week I came again and spoke with banker XXXX also he kleft me his number XXXX., also week later with XXXX . I was questioned, all my cards and ID was searched and sent away. OnXX/XX/XXXXI spoke with XX/XX/XXXX from Oregon. On XX/XX/XXXX I contacted executive office XXXX who did not give out her ID, called again spoke with XXXX in XXXX Branch, then called again and spoke with XXXX  supervisor of customer service in XXXX OR, his ID XXXX.. Then called again on XX/XX/XXXX and spoke with XXXX premier banker. Bank closed my account for solo reason not to pay rewards as promised. I request that this bank is investigated for fraudulent activities and my rewards paid. There was no reason to close the account because I did respond multiple time to the letters and paid bill on time.
Consumer complaint received 2023-02-16
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

Dear XXXX XXXX XXXX XXXX  ; I honestly do not believe to ever had any relationship with this collection agency or original creditor. Also, there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Consumer complaint received 2023-02-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Glasser and Glasser, PLC (VA)

I received the notice of debt on XX/XX/XXXX. I sent them my identity theft report along with my proof of identity to challenge the debt as it was a case of identity theft. The account they claim is mine was opened for a XXXX XXXXXXXX account in XXXX when I was XXXX XXXX XXXX. They sent me a letter back showing purchases I didn't make as proof of debt ignoring my age entirely. I did not open an account with XXXX XXXXXXXX when I was XXXX XXXX XXXX & I did not have any income at the time to make the purchases they're claiming I did.
Consumer complaint received 2021-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.
Consumer complaint received 2017-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

I have a Homeowner association company that has set me up with the automatic withdraw for the association fees. When Equifax was breached on the data, I decided to check on my credit since I have credit monitor account with Equifax. That was when I noticed that the score has droped. I was at XXXX and it dropped down to XXXX. The reason was the association has reported negative information. First, I was never notified about having a past due on the account. The account is set up as automatic withdraw so I would not think there is past due.
Company information below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX  XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX is the company information.
I contacted Equifax first because I did not know who reported the negative information first. Then I found out that it was my association company so I contacted them and I was being reasonable. Even though I was upset, I decided to pay the account since now I was informed that I had past due amount. I did let them know that I was never informed through mail or phone call.
Move forward, I paid the account in full and Equifax disputed and the account information was corrected and the account became no past balance.
One month later, now. I have a notification from Equifax that my score has dropped again. I have check the reason and now the same company has made another negative information on my credit file with different company name.
Below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca-XXXX XXXX
Same address and same phone number with same past due amount.
I did let go the first issue since it can happen even though I felt it was not fair since they did not attempt to notify me with past due. But, this time I can not let it go since it has affected my score again with same information. I have contact the association company XXXX XXXX  but no response. I am filling the BBB complain also and I would like to see what I can do to make this correction and make sure I have fair credit score without abuse from this management company.
Thank you.
Consumer complaint received 2023-02-17
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)

I am interested in disputing all incorrect information on my credit report with transunion. please review all invalid data that is hindering my file. this has caused alot of errors an declines. please remove all information
Consumer complaint received 2021-12-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (VA)

Our mortgage was sold to Mr. Cooper in XXXX of XXXX. In the summer of XXXX we got notice that a reassessment resulted in an increase from {$1400.00} to {$2000.00} a month due to a tax increase. In XXXX we also received notice from XXXX XXXX that our tax payment was late and assessed fees. I contacted Mr. Cooper on numerous occasions, I have the email strings for the contacts. It took months before they would fix the assessment and Im the one who had to contact the city to verify my taxes did not go up. our monthly mortgage is now {$1500.00}. However they will not credit the escrow account for the {$500.00} plus in late fees, penalties and interest. They said they are waiting for XXXX to verify the amounts. However Ive provided the information by email from XXXX XXXX many times.
Consumer complaint received 2017-11-06
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: COMMUNITY CHOICE FINANCIAL, INC. (AZ)

I had some emergency happen back to back. I 'm a XXXX XXXX and went to 2 different title loan centers. XXXX and XXXX XXXX XXXX. I 'd been a customer for years and never had an issue paying my loans. My bank account was overdrawn by them taking money when I could n't pay. Everything snowballed from there. I called the corporate office of XXXX and asked for assistance in helping me repay the loan. Was told no, I must make the payments or they are going to take my car. I ca n't catch up on the now 3 payments I 'm behind and need help to interview from the taking my only mode of transport to medical appointments in XXXX monthly. 
XXXX XXXX XXXX said the same thing. I 've tried getting a personal loan and applied to many times and my credit took a huge hit. 
Any assistance would be greatly appreciated.
Consumer complaint received 2017-11-03
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have an issue with a Capital One Kohl 's account that is on my credit report. The account is reporting closed. I have disputed this account with Capital One numerous times over the past few months. Capital One has never responded to my disputes and continues to report inaccurate information to the credit bureaus. Since I started my dispute with Capital One my credit monitoring service has showed numerous updates from Capital One. I do not understand where Capital One is getting this info it is reporting to the credit bureaus. I was made to believe that for Capital One to report to the credit bureaus that they are required by law to have documents verifying that the account is 100 % accurate. 
On XXXX/XXXX/XXXX my credit monitoring showed a balance of {$440.00} on all 3 credit bureaus. 
On XXXX/XXXX/XXXX it showed a {$440.00} on XXXX, but a {$170.00} on XXXX and XXXX 
On XXXX/XXXX/XXXX it showed a {$440.00} on XXXX but a {$170.00} on XXXX and XXXX 
On XXXX/XXXX/XXXX it showed a {$170.00} on XXXX and {$200.00} on XXXX, XXXX removed. 
This is just one example of changes made to this account over the past few months. 
Capital One reporting this negative account on my credit report is having a negative impact on my credit.
Consumer complaint received 2017-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

To whom it may concern : My name is XXXX XXXX, and I am a recently former consumer of Portfolio Recovery Associates. I am writing in regards to my now closed, Paid in Full, purchased by Portfolio Recovery Associates from XXXX XXXX.. 

Upon speaking with several supervisors I have received conflicting information from several different representatives, and due to this and the extenuating circumstances that caused the initial delinquency -- and the fact that I resolved this account in full and amicably it is still reporting as an open collection with a balance due of XXXX I have received my Paid in Full letter as of XXXX/XXXX/XXXX. However, due to the conflicting information from Portfolio Recovery supervisors and staff, and given the treatment from the staff at your company in regards to this urgent matter.
Consumer complaint received 2017-11-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (IN)

Basically, Navient told me that my student loans were not paid and charged me fees even though they were paid and they were paid on time. Then, they were supposed to refund me my overpayment and they keep giving me the run around ... .it has been over a month now and I keep calling however, no one has settled the problem.
Consumer complaint received 2021-08-21
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I have been disputing inaccurate information being reported to my credit report and XXXX, Equifax, and XXXX  have failed to properly investigate this account XXXX XXXX as per FCRA guidelines and continue to report false information to my credit report!
Consumer complaint received 2017-10-04
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: TOYOTA MOTOR CREDIT CORPORATION (NY)

On XXXX XXXX, 2017, I received a call from a debt collection agency about an outstanding debt of about {$380.00} supposedly owed to Toyota Financial Services ( " TFS '' ). I had previously taken over a lease on a Toyota Corolla with TFS, but that lease ended over a year ago. This was the first I had heard about any such debt. 

My complaint regarding TFS is two-fold : 1 ) To be contacted out of the blue by a debt collector about a debt ( a ) on a contract that ended over a year ago and ( b ) of which I never received any prior notification is, if not illegal, then at least incredibly frustrating. 

I understand from TFS that they send out a single notification letter regarding outstanding debts. I did not receive this notification. Again, if this is not illegal, it is at the very least incredibly frustrating. 

2 ) Now that the debt is with a debt collector, no-one at TFS will answer any questions or give any information about the account. Instead, they refer me to the debt collector, which in turn refers me back to TFS regarding why I did n't receive any prior notification. 
Again, at the very least, this is incredibly frustrating, if not illegal. 

I will not be doing business with TFS again. It seems stupid to lose a customer over a few XXXX dollars, which I would have paid promptly had I ever been notified.
Consumer complaint received 2018-01-23
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (IN)

My husband XXXX XXXX XXXX XXXX 2017 after this happened I sent the appropriate documentation to the loan office which is OneMain Financial used to be called Springleaf Financial I was then told that my husband had credit life insurance and then it would cover the remaining balance of the loan and I would be mailed the titles to the vehicles. However when I asked XXXX the branch manager XXXX in XXXX office he said that he could not give me any documentation he was rude to me gave me the run-around and told me I need to get a court order to get documentation all I wanted was to handle my husband 's affairs I feel like they were unprofessional did not answer my questions I would like his account investigated and looked upon because I am doubting the accuracy of the numbers since this this loan was just modified XXXX and I 've been making numerous payments I 've been and I 'm wondering why I can not get his file nor get answers I want to look into and if needed I would like corrective action taken to anyone who has been doing unethical things on behalf of my XXXX husband and if I 'm owed money or it needs to go to an account for a trust that I want it I want to be notified. 
I believe that there is money due back to the benefactor which would be me next to XXXX please look into this matter of the utmost importance.