davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-20
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (CA)

I have a store credit card with Amazon that is owned by Synchrony Bank. Their promotional offers are for purchases made over a certain amt., there is either a 6 month or a 12 month interest waived offer, if promo balance is paid in full by it 's due date. Since getting this card, EVERY SINGLE PURCHASE I have EVER made on it, was ALWAYS for either the 6 mo promo offer or the 12 mo. and as every Promo has come up on it 's expiration date I have made Pymt IN FULL and WELL IN ADVANCE of each Expiration date ( note : this is in addition to the mthly min. pymt I also need to make to avoid interest, and every due date the min. amt has also been PAID IN FULL and WELL IN ADVANCE ), yet EVERY SINGLE TIME I pay off a PROMO charge IN FULL as it comes due, I find out I am STILL being charged INTEREST on it! I have written & done chat sessions with this co. EVERY SINGLE MONTH and have to go thru the entire ROUTINE over and over again, where they CONFIRM that I have NO " REGULAR '' purchases on this card ( and NEVER had any ) as well as the fact that EVERY PROMO and EVERY MTHLY pymt has been made on time and in full TO DATE! and that they will REVERSE the ( BOGUS ) Interest charge, and fix the problem, yet EVERY SINGLE TIME the next month comes around, and I check my acct. AGAIN there is ANOTHER NEW ( BOGUS ) interest charge tacked onto my acct! The ONLY REASON I ever 'happened ' to notice these charges in the first place is because I chose to click on my 'activity ' to MAKE CERTAIN they are applying every PROMO PAYOFF to the correct PROMO that comes due, and that is the ONLY reason I CAUGHT their ILLEGAL and CONTINUOUS charging of Interest that has no relevance. The reason I am filing a complaint here is not just because I am getting SICK AND TIRED of going thru this ROUTINE with them EVERY SINGLE MONTH, but also because I can imagine how many customers holding a Synchrony credit card are being charged ILLEGAL interest on their accts EVEN THOUGH THEY ARE PAYING OFF THEIR PROMO BALANCES IN FULL AND BEFORE THEY COME DUE! ( this cr cd company is MAKING MONEY on UNSUSPECTING CUSTOMERS via a few dollars here and there being charged ILLEGALLY, and going 'unnoticed ' by customers ... who do n't think to look because they know there is no reason for any interest charge to even be on their acct, if they have been paying off all balances in full and before due dates expires ) ... ..yet this co. continues to charge me after EVERY PROMO is PAID IN FULL AND WELL IN ADVANCE OF IT 's DUE DATE, in spite of my CONTINUOUS contact telling them they are charging me ILLEGALLY! No one should have to go thru this SAME ROUTINE EVERY SINGLE MONTH to get interest reversed when it never should be posted in the first place! They are obviously MAKING MONEY on people who have no clue they are even doing this! ... and for me, they are DRIVING ME INSANE to have to keep contacting them MTHLY to reverse interest charges that are ILLEGALLY Charged in the first place! PLEASE look into this Fraud! thank you.
Consumer complaint received 2017-03-20
Product: Credit card — 
Issue: Bankruptcy — 
Company: AMERICAN EXPRESS COMPANY (VA)

My husband tried to add me as an authorized user on his American Express card. He will be the sole provided for our family and we need a card that I can use in case of emergencies. He uses only his AMEX card for everything. I was denied to be added as an REF : XXXX XXXX due to the fact that I had an unsatisfactory account with them and due to my derogatory record I ca n't be added. This is after I have included this account in my bankruptcy almost 10 years ago. They did n't even mentioned that I included it in my bankruptcy and they transferred me to another representative to " SETTLE '' my account when it was already discharged back in 2008. They kept transferring me to different representative that I gave up and hung up.
Consumer complaint received 2024-09-28
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. (TX)

Submitted request for verification of inquiries made and the inquiries are past the 2 year mandate time to be removed. See list of inquiries : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2017-05-15
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX  has  XXXX  accounts on my Transunion and  XXXX  reports that are over the seven year period.
Consumer complaint received 2017-05-15
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

In  XXXX  of   XXXX   FIA Card Service s ( Bank of America ) r eceived an execution on money judgement for a charged off credit card debt. The debt collectors of  XXXX ,  XXXX   XXXX   XXXX  applied a lien to the property owned. Since they are being sued by the States Attorney Office of Massachusetts, they have sold the debt to  XXXX   XXXX   XXXX ,  XXXX  who in turn has sold it to  XXXX    XXXX   XXXX   XXXX    XXXX . The original creditors phone number is  XXXX .     The property has been sold but without clean title, with money held in escrow to pay an agreed upon amount less than that of the debt owed, this deal has been reached with  XXXX   XXXX   XXXX   XXXX ,  the ultimate  owner of the debt. However, the original Law firm needs to release the lien and they say they do n't own it any longer and are unwilling to do anything.     The property needs to have a " clean '' title to be resold and any escrowed amount returned.     No one is willing to help, do anything ... I hope since this is a debt collection issu e, the CFP c an get to the right people to make this right.
Consumer complaint received 2017-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: U.S. BANCORP (IN)

MY  U.S.BANK FLEX P ERKS MASTER CARD IS NOT REPORTING ON  XXXX . THE BANK IS PERMITTING  XXXX  TO BLOCK ME IN VIOLATION OF THE DODD-FRANK ACT.     THE BANK HAS 15 DAYS TO RE-INSERT ALL ACCOUNT BACK INTO   XXXX    DATABASE OR BE SUED IN CLASS ACTION EFFORTS.      SHOLD U.S. BANK FAILES MU ST CEASE AND DESIST ALL CREDIT REPORTING.     DISCHARGE ALL DEBT BY  XXXX
Consumer complaint received 2017-05-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (PA)

On  XXXX   XXXX , I calle d Citibank to  inquiry about an adjustment to my interest rate on my account. I first spoke to a representative who transferred me to an agent in Florida for further assistance. The Florida agent listened and placed me on hold for period of time while she researched my account and reviewed available options. She advised me that I had a current offer for a new purchases and she had to work with a manager to have that removed before anything could be applied to my account. The associate told me she would look into my account once the current offer was removed, and would call me back on  XXXX   XXXX , to discuss what could be done.   On  XXXX   XXXX , I received a call from the Florida call center, (  XXXX  )  XXXX , on my cell phone at  XXXX   XXXX  EST. During the call, the agent apologized for not calling me on the  XXXX  as we discussed due to her son being ill. During th e 5 m inute call the agent told me she was able to get a 0 % applied to all EXISITING and new purchases for 12 months on my account. I questioned her, and the agent informed me that yes, this will be on all new and existing balances and she stated that this will really help you make a large dent on this balance. I was read a disclosure during the call that informed me that I would have a 0 % rate on my account for all new and EXISTING purchases for 12 months and that I would receive a letter outlining the terms of the offer ( which I never received ). I agreed to the terms that were read because she read the terms that stated the 0 % would be applied to m y EXISTING b alances for 12 months. I also questioned the agent about the finance charges, and she also told me that she was able to get 2 months of finance charges credited back to my account for a total of {$1000.00}. I thanked the agent for all of her efforts and the call ended. Upon receipt of my newest statement on  XXXX   XXXX , the interest rate was not reduced as I was advised. The 2 months of finance charges were applied, however, my current rate on my account is the current of 23.99 %, which is not what was discussed, and not what the disclosure had stated. I feel this is a violation of Regulation Z, informed use of credit, and is another instance of false and misleading tactics fr om Citibank on a long history of lies, misleading information, and deceptive tactics. The agent advised the call was being recorded, and I feel Citibank  should be required to honor the terms of the disclosure that was read and discussed on the call.
Consumer complaint received 2017-05-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.Q. DATA INTERNATIONAL, INC. (TX)

Discover in my credit report IQ Data International had unpaid rental charges for XXXX since XX/XX/XXXX. Information came from XXXX XXXX XXXX whom authorize a family member to extend lease I did n't authorize. Rental property was aware my family member stayed there and was paying rent for 15 months. IQ International never notified me I was in collections although rental property had my forward address. I discovered on credit report XX/XX/XXXX. I have notified rental property and collection company. Currently now implying identity fraud may occurred which is not true. Rental property knew my family member this is not identity fraud. Collection company never mailed or call me about unpaid rental extension amount. Prior to the unauthorized extension rent was paid in full.
Consumer complaint received 2017-05-14
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. (GA)

I have sent in multiples disputes on  XXXX  accounts that I have no contract or knowledge of but   XXXX   will not delete the accounts. They have sent me a letter saying they will not re-investigate complaint. This is really hurting my credit and family chances of becoming a homeowner. I contacted an attorney whom told me this should be my first step to solving my problems.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2017-03-27
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: Onity Group Inc. (CA)

My previous complaint ( # XXXX ) had been closed - without benefit from CFPB 's scrutiny of OCWEN 's response. I have attached OCWEN 's response here which sets a deadline to accept or reject the loan offer within 14 days ( ends in XXXX XXXX, 2017 ). 

Contrary to CFPB 's concluding statement, the dismissed lawsuit I filed against OCWEN ( with XXXX Bank, XXXX, et al. ) did not include complaints about the systemic misconduct on " robo-signing '', which the CFPB and the Courts of California found OCWEN to have wrongfully engaged in and for which reasons, they have been penalized for. 

I am writing to inform that OCWEN, continue to defy the law and CFPB compliance requirement - OCWEN had fabricated " robo-signed '' documents and used such forgeries to enforce their illegitimate claim on my property. 

Here they have tampered /blacked out the loan numbers, added documents purporting to assign valid transfers of the note and mortgage. 

CFPB should hold lawyers from XXXX liable for aiding and abetting the fraud. They are at the heart of many wrongful foreclosures in California. 

I can not accept these documents for what they represent. 

XXXX XXXX XXXX XXXX XXXX. 
XXXX, CA XXXX
Consumer complaint received 2017-05-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (FL)

Let me begin by stating that this is out of the norm for me to report any company. However, I am totally dissatisfied by the following situation : I have been with  CitiBank  since   XXXX  . Therefore, I have developed a payment routine and have never missed or been late on a payment. My payment is due on the  XXXX  every month. I mailed the payment  XXXX   XXXX  ( every month I mail the payment on the  XXXX  ). However, CitiBank posted that they did not receive it until the  XXXX  and charged me a late fee of  XXXX . I immediately called CitiBank and asked them about the late fee of  XXXX . They aggressively stated that because I was indeed late they were unable to waive the fee. I asked them for a copy of the envelope to confirm the post office postmarked date, they stated that they were unable to retrieve the envelope proving that they received it on  XXXX   XXXX .     Nonetheless, I have been a loyal customer for over 23 years.I do not understand why CitiBank was unable to provide me with proof of receive date, I was not allowed to dispute the charge nor, was a waiver of the  XXXX  fee given.     I have never been late or have had a fee waived. The representative also confirmed that I have not had a late fee within the pas t two  years. I do not appreciate the hassle and the inconvenience. I had to call o n two separ ate occasions. Each representative lacked great customer service skills and was insensitive to my concerns. Although, I can not control the mailman, I am able to control the date in which I mailed it which is before or the same date every month. This issue could have been easily resolved by waiving the fee for a LOYAL customer or at least providing me evidence.
Consumer complaint received 2017-05-14
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. (GA)

I had a tax lien placed on a property I no longer own back in  XXXX . I paid the lien in  XXXX . It is only showing on Transunion and I have asked them to remove this from my credit report and they will not.
Consumer complaint received 2017-05-14
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

I have tried to do a harp refi because I want to stay in my home, however each time I tried this bank of America has lost, not received or time has ran out to proceed. Out of 5 times I have tried to get help they came back with short sale or deed in lue. the first time I had to have XXXX and was out of work for 8 months I begged and borrowed to make my payments till I got back to work. I recently had XXXX again and also had a XXXX XXXX all with in the same month. I tried to refinance with my local bank but due to my filing of XXXX XXXX they were unable to assist. it seems like BofA does n't care about there clients unless they are elected persons that will give them special perks. if paperwork is needed to verify my medical conditions that I have told I will provide, except for the first XXXX which my house burned down in 2012 and I lost all that paperwork, which brings up another problem with this company when I was rebuilding it took this company 4 months to release the funds to finish paying for new home including speaking with my state senators and representative and manufacturer all speaking to this company to get them released.
Consumer complaint received 2024-10-03
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. (IA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2016-04-22
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: ADIR INTERNATIONAL LLC (AZ)

ON XXXX/XXXX/16 ; XXXX/XXXX/16 ; XXXX/XXXX/16 I spoke to a representative at XXXX on those 3 conversations the representative never verified me properly, she did not disclose that the call was being monitored and recorded, she did not state mini Miranda and she did not disclose her company name. She also continuously called me back to back on several occasions. She never got permission to call my cell phone and kept calling about 4 times per hour.
Consumer complaint received 2016-11-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Amsher Collection Services, Inc. (MI)

Amsher has continue to report a collection on my report after they sent a letter to me stating the so called account was closed in there office and sent back to the original creditor
Consumer complaint received 2024-10-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (GA)

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 2024-10-03
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. (LA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, La XXXX SSN : XXXX XX/XX/year> To Whom It May Concern : I sent a request for an investigation under FRA 611 ( a ) to you in reference to the following account ( 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 THIS IS MY 3rd NOTICE REGARDING THESE FRAUDULENT ACCOUNTS You all have failed to reinvestigate these fraudulent accounts as you or required too I am hurt and confused to see I received a letter advising that you " VERIFIED '' the information. I am curious as to how you verified this information and would like to receive physical documentation to support this erroneous information on my report. Ive been a victim of identity theft so there is no way you were able to verify anything. FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. Your company has been reporting unverifiable and inaccurate information on my credit report which has damaged my credit. I intend to litigate if this information is not DELETED from my report. Please do not " update '' or " verify this information again without doing a due diligence investigation. I am requesting to be provided with the written contract & physical documentation to support the information that is being reported on my credit report via USPS mail. Screenshots will not suffice. Send my actual signature on a contract. As this debt is Not mine. I am asking for this verification because my credit score is important to me, and after learning of my identity being compromised I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do no send me a template letter in response to this request. I am in the process of planning a legal case, so I will need specific answers to the specific questions asked of you in this letter. I have faith that your establishment will do the right thing and truly investigate this matter and if you do not have proof the debt is valid which you will not because of identity theft then please DELETE the information. I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the items in question permanently expunged from my record. 

Regards, XXXX XXXX
Consumer complaint received 2017-06-05
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (OH)

this loan originated in  XX/XX/XXXX . I have made consistent payments since  XX/XX/XXXX . almost 10 years. Variable rate loan. I have made late payments but the payments have been made monthly with a few exceptions. The balance never goes down, For the original  XXXX  loan I pay arou nd 96.00 p er month. the pay off date is  XX/XX/XXXX . Every time I request a payoff the balance is the same, Just over  6k. NAVIENT h olds the loan. I have asked customer service repeatedly about this problem and requested payment histories to no avail. They say its the interest. I was told 2 years ago I should start seeing the UPB go down I have seen little to no no decrease. I have heard that Navient previously  XXXX   XXXX  have used questionable billing tactics in the past and I just want to know if my payments are being applied properly.