davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-12
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FORD MOTOR CREDIT CO. (CA)

COMPANY FILED LAW SUIT AGAINST ME WITHOUT ME BEING SERVED, AND DOCUMENTATION WAS SAID TO BE DELIVERED IN PERSON TO ME BUT I WAS IN XXXX.I HAVE EVIDENCE I WAS IN XXXX.COMPANY SAYS THERE A COLLECTION COMPANY BUT USES LAW FIRM ADDRESS.COMPANY IS TRYING TO ASK FOR MORE THAN OWED.COMPANY USED DECEPTIVE ACTIONS TO GET A JUDGEMENT IN THE RENEWAL OF THIS CASE.
Consumer complaint received 2019-05-07
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: SYNCHRONY FINANCIAL (WA)

On XX/XX/2019, my credit score decreased by 89 points after I had an inquiry from SYNCB, which after a little research, I found out is short for Synchrony Bank from XXXX Florida. They do not answer your calls and do not get back to you whatsoever. 

It even says on their website that if you think theyve mistakenly reported your credit information to write them at their address, but after a little digging, it seems nobody who has this issue gets a response from them
Consumer complaint received 2024-10-23
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 XXXX  XXXX, XXXX XXXX, AND 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 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 XXXX  XXXX, XXXX XXXX, AND 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
Consumer complaint received 2019-05-07
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (NC)

On XX/XX/2019 i Called Wells Fargo Mortgage dept to get pre-approval for a home i wanted to buy, XXXX. i spoke with Loan Officer XXXX XXXX and during initial conversation i explained to him that i had approximately XXXX in Student Loans and some medical bills that were being disputed and that i had paid off vehicle and credit card. .and XXXX proceeded to pull my credit and said he would send to Underwriting. within 5 minutes a decision came back from Underwriting with a Pre-Approval. XXXX said he was surprised that underwriting had approved with DTI being right under 50 %. and that my Credit score qualified me for FHA and they had a 3 Point Program that i also qualified for that only Wells Fargo offered. He then directed me to website to fill out application all with his assistance while we both were online and he could see and direct me while i input my information.. He also told me to go to my WF Application and pay {$75.00} so that i could receive {$750.00} to help with my Closing Cost. I was ELATED that i had a pre approval from WELLS FARGO Bank that the same day i put up {$3000.00} Due Diligence fee to secure home and my agent delivered certified check the following day. the following morning around XXXX i received an email informing me that " XXXX i made a significant oversight on your pre approval, your students loans I made a significant oversight on your pre-approval ; your student loans which will make your debt-to-income ratio significantly higher than guidelines permit '' I recommend you disapprove the physical condition of the property and cancel the contract. I deeply apologize for rushing through your loan application with us and for having wasted your time, ..This gentlemen knew that i had put up DD money and bragged about him having over 8 years experience and do allow some other Loan Co do what he just did to me..AND MOST OF ALL HE SHOULD HAVE KNOWN THAT DUE DILIGENCE MONIES ARE NOT REFUNDABLE..I AM DEVASTATED AND WOULD LIKE TO BE REFUNDED MY {$3000.00} AND HOLD WELLS FARGO ACCOUNTABLE. I DID CALL AND FILE COMPLAINT WITH WF ON FRIDAY AND WAS INFORMED THAT SOMEONE WOULD CALL ME AND TO DATE NO ONE HAS CALLED. PLEASE HELP!! I AM A SINGLE PARENT TRYING TO PURCHASE MY FIRST HOME AND THIS HAPPENS WITH A REPUTABLE COMPANY " WELLS FARGO ''
Consumer complaint received 2022-07-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: PNC Bank N.A. (NC)

The Credit Card At requires issuers to apply the excess payment portion of your credit card payment. After that, the remainder generally must be applied to the other balances in descending order, based on applicable annual percentage rate, according to the law. This is not how PNC is handling its credit card payments. PNC states in its account terms that it applies balances to purchases based on its sole discretion. I currently have 3 separate balance transfers tied to one card, each with different end dates. One promotional period ends XX/XX/XXXX, the next XX/XX/XXXX, and the remaining balance transfer promotion period ends XX/XX/XXXX. My XXXX Statement showed a balance of around {$400.00} on the oldest balance transfer due by XX/XX/XXXX. I paid {$900.00} that month and instead of applying the payment towards that oldest balance PNC is applying to the balance transfer due much later in an attempt to still charge interest on the initial balance transfer once it ends. From my understanding the payment should be applied towards the original balance transfer amount and not the newer balance transfer.
Consumer complaint received 2019-05-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP (CA)

Although my issue was not completely identifiable, there was a period during these last few months where there was money available in my account but my card was declined. I believe this is because I was a XXXX above my credit limit but my biggest problem is that I have paid all my payments on time for two years and during these last few months was denied half of my credit limit. Though I paid off the card before the due date, I was only given {$150.00} at a time. I used {$150.00} or less, paid it off and was still only given {$150.00} although I have a {$300.00} dollar limit. My banker tried telling me that wasn't possible but this is exactly what was happening. Once I stopped using the card for a few weeks, I was not given the other {$150.00} that I had already paid off, but instead charged a full {$300.00}, {$150.00} of which I had not used and already paid off. I should not have to pay a bill involving money that I did not use. 

I can not give you exact dates, but I was charged this XXXX somewhere between XXXX XXXX and my statement balance is XXXX as of XX/XX/XXXX. Note this is a secured credit card. 

At the end of XXXX, I roughly paid off the XXXX amount. From XXXX XXXX, I paid all charges that were continually given to me for a total of {$300.00}. I was given back {$150.00} again, used a majority of the amount, then stopped using the card for a few weeks and was charged {$300.00}.
Consumer complaint received 2018-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

XXXX XXXX XX/XX/XXXX {$1800.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$350.00} I Dispute these accounts that dont belong to me and belong to someone else with the same name to the credit bureaus and the accounts still remain on file in was not deleted.
Consumer complaint received 2024-10-07
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC (CA)

On XX/XX/XXXX I was charged an over limit fee of {$29.00}. If your card was less than XXXX under your limit they illegally charge a over limit fee to bring you over the limit. THIS IS A TOTAL SCAM WITH DOZENS OF COMPLAINTS ONLINE FOR THIS VERY REASON. 

EXAMPLE : If you charge XXXX and your limit is {$400.00} they will illegally charge an over limit fee to take you over your limit.
Consumer complaint received 2022-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Equifax, XXXX and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Equifax, XXXX and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-06
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. (NC)

I sent letters to Equifax, XXXX and XXXX on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 33 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Consumer complaint received 2018-10-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: STATE FARM BANK, FSB (OH)

I can't use the card because I lost the card. I called State Farm Bank trying to report it to stop any activity and get a new card. The person wanted my NAME, BIRTH, ADDRESS, CARD NUMBER, EXP.DATE AND SECIRITY CODE ON BACK. If I lost the card how can I give that information?
Consumer complaint received 2018-10-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: ALLY FINANCIAL INC. (TX)

I tried to make a payment and miscalculated over by {$200.00} on XX/XX/XXXX. I've since, 12 days later, have not had the error cleared with that credit card payment attempt with XXXX bank. I have pursued resolve with both XXXX and Ally and I still have no solution. Both banks blame each other. XXXX says they're waiting on Ally to finish their job with the fed reserve for the fed to send back the error. I asked Ally to fax XXXX, which city at first said would help, and later said would not. Ally though, said they won't, and to use my email letter I received. I have since used the letter to fax to XXXX. Ally said they'd forgive my error and return my {$25.00} overdraft fee. They did do that, then somehow, insanely, have RECHARGED me {$25.00} two more times. This is insane.
Consumer complaint received 2022-08-16
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: BARCLAYS BANK DELAWARE (NJ)

It has been brought to my attention that you are not blocking file when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following item listed below which is reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block the following account as it was fraudulent & was opened without my consent or knowledge BRCLYSBANKDE XXXX Date Opened : XX/XX/2015 Balance : {$0.00}. 

If you claim this account is 100 % accurate and verifiable then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.
Consumer complaint received 2021-03-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (MO)

I purchased a XXXX XXXX  XXXX XXXX from XXXX XXXX, XXXX XXXX, KS on XX/XX/2020. On XX/XX/2020 I refinanced the loan with my credit union XXXX XXXX and was sent a check for {$37000.00} to pay off the Hyundai Motor Finance loan, which was mailed on XX/XX/2020. As of today, XXXX is advising me they have never received the check, although I've faxed and emailed them a copy of the check they endorsed and cashed. My credit report has now been affected and I've disputed the claim with XXXX and XXXX to no avail. I have reached out to Hyundai Motor Finance several times and keep getting the run around. I need to have the lien released so I can add my credit union to the title and this matter resolved ASAP.
Consumer complaint received 2024-09-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: OLIPHANT FINANCIAL, LLC (IL)

After checking my credit report often ; I noticed Oliphiant debt collection agency marked my report earlier this month with a balance owed from a personal loan opened between XXXX. This loan was paid off during a payment plan originated after and per this XXXX company whomever they sold his loan to. The young lady stated " we can work out this plan to prevent negative rating on your credit report ''. Which my credit report shows " nice you've paid off 100 % of this loan ''. I just purchased my new home in XX/XX/XXXX meanwhile credit reports constantly being ran and no collections were noted on my report. Of course when I noticed Oliphiant marked my credit report I called them immediately and they demanded payment and I asked them what is his about and they quoted the loan that was supposedly owed over 5 years ago. I disputed this situation with XXXX and XXXX  because I feel it is wrong for Oliphiant to contact me after 5 years on a debt that is marked on my credit report paid in full. I also asked Oliphiant why I never heard from them and they stated they sent me a invoice in XXXX as to which I responded back XXXX was Covid and majority of Americans were not receiving email properly during this time. Every since I have contacted Oliphiant now all of sudden they are calling and texting me about the old debt. Never no phone calls or mail received until recently. Oliphiant violated the notifications law to the consumer and now they are trying to make it seem like they have been in contact with me before they marked my credit report negatively. XXXX XXXX XXXX debt ; who would allow debt to sit there and never contact the consumer.
Consumer complaint received 2022-07-18
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (FL)

Synchrony Bank used an unethical practice to charge me a late fee and potentially end an interest-free promotion. My credit card with Synchrony was being auto-paid directly from my checking account. Last month, Synchrony did not deduct my payment and I did not notice it. This month I got a bill showing a missed payment and a late fee. I called them, and they said I had been unenrolled from autopay. I asked why, but the agent was never able to explain what happened. I demanded that they remove the late fee and any record of late payment from my account, which they did. If I had not caught this, it could have potentially wiped out my interest-free promotion and I would've been charged the full rate of 27 %. This is one of Synchronys many predatory and unethical practices. I will never use them again.
Consumer complaint received 2022-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Due to covid I applied for forbearance for 6 months, I was advised that while the application was in progress there would be no impact to my credit. 

My credit score dropped XXXX points. 
The forbearance was approved until XXXX. 

My credit score has remained low even though I was advised there would be no impact while the application was processing This happened before and I had to submit a complaint. 

I have a XXXX and my home is in need of emergency repair due to my XXXX XXXX XXXX XXXX. I am not able to obtain any loan to resolve the issue due in part to my credit score. 

This is urgent as my home is having environmental and sanitary issues. XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, XXXX, XXXX and XXXX as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (FL)

Over 1 year ago, I opened a Costco XXXX Card issued by Citibank because they were offering a 2 % cashback reward. 
I paid every single charge the following date whenever the charge was shown in the online statement. I did not need any financing. The only reason I opened the account was to collect the rewards. 
The account had a limit of {$6000.00} but doing my payments that fast I was able to charge to the card an average of {$25000.00} monthly. 
I usually do the same with all my credit cards. I repeat, I dont need any financing. 
As you can see I was a very desirable client. 
On XX/XX/XXXX, Citibank closed my account stating that I opened many account lately. 
My complaint is that they confiscated all my accumulated rewards for a total exceeding the {$6000.00}. 
As you can see, I did everything possible to keep my account in good standing but they found a reason to steal all my accumulated rewards. 
The same day, they also closed my Best Buy XXXX account where Citibank confiscated my {$2000.00} in cashback rewards. 
I called Citibank and they told me that they have the right to cancel my rewards because the accounts have been closed but I didn't do anything wrong to have my accounts closed.
Consumer complaint received 2022-08-16
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (GA)

I have on several occasions I have tried to dispute inaccurate information on my credit with Equifax all to be told every day they are experiencing technical issues with their dispute process. None of the other credit bureaus would have allowed these issues. 
I have mailed documents certified mail and they have told me they have not received the information. At this point, I feel as though they are doing this on purpose.
Consumer complaint received 2022-01-26
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Better Mortgage, Inc. (FL)

We applied for a cash out refinance with Better Mortgage ( better.com ). The appraisal was delayed due to a lack of timely responses from Better Mortgage to our questions. We were granted a lock extension at no cost to accommodate this delay. We were also granted a subsequent no cost lock extension due to the company 's closure during the holidays. In XXXX on the day of closing we identified that the date on the documents was not correct, and were directed to not close as updated documents were needed. In order to generate the closing documents, we were told they need an updated payoff statement from our current lender. Updated closing documents were generated, however they included an unauthorized change to the loan amount and a decrease in the lender credits. We were also told that contrary to prior directions, we now needed to expeditiously obtain a replacement insurance policy as ours was not being renewed in XXXX. This has resulted in even more delays as it takes an up-to-date home inspection in Florida to get a quote. We contested the changes to the loan amount and lender credits and have been exchanging emails on such ever since. The closing disclosure was updated to include the correct loan amount ; however Better Mortgage insists that they are justified in decreasing the lender credits which they refer as lock extension fees. Better Mortgage has stated in email that these lock extension fees are justified as I chose to use my own title company, and the title company was responsible for the date error and initial closing delay. This is a violation of section 8 of RESPA ( Prohibition against kickbacks and unearned fees ).