davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-16
Product: Credit card — 
Issue: Billing statement — 
Company: SYNCHRONY FINANCIAL (CA)

I applied for a private label credit card in store ( XXXX-XXXX XXXX, CA ) funded through Synchrony Financial ( formerly GE ). I received a promotional APR of 0 % for 6 months. The transaction was made on XXXX XXXX in order to take advantage of the XXXX XXXX special offers. Eleven Days later, on XXXX XXXX, I received my card in the mail ... along with a bill. I immediately called Synchrony Financial to find out where the mistake had been made. Here in lies the Regulation Z violation. My payment is scheduled for XXXX XXXX which allows me ONLY 14 days to look over the bill as opposed to the mandatory 21 days allotted in the verbiage of Regulation Z : ( ( 1 ) Periodic statements are mailed or delivered at least 21 days prior to the payment due date disclosed on the statement pursuant to 226.7 ( b ) ( 11 ) ( i ) ( A ) ). I have contacted Synchrony Financial and spoken to their legal department. They were unapologetic and would not work with me to remedy their blatant error. Which financial institution would set a payment due date for a new customer a mere 23 days after the initial opening of the account? Logically speaking this is a terrible business practice and Synchrony Financial needs to overhaul their business rules. Please help me hold Synchrony Financial accountable to the laws and regulations surrounding the legal collection of consumer debt.
Consumer complaint received 2015-12-22
Product: Prepaid card — Mobile wallet
Issue: Managing, opening, or closing account — 
Company: AMERICAN EXPRESS COMPANY (OH)

I received an email notification suggesting I have a monthly statement available for an American Express Serve card. I visited the site and upon completing a forgotten password routine and accessing the account I was informed that my account had been created and that I would receive an American Express Serve Card in the mail within 7-10 days. I promptly called American Express wishing to put a stop to receiving a Serve card to close the account. I was informed I had a {$1.00} credit on the account from a promotion through XXXX XXXX XXXX and that American Express would have to mail me a check. Once I receive the funds I could then call and close the account. I looked up the terms of the account and found that the card has a $ 1 monthly fee associated with it and am not comfortable receiving a check without closing the account as I do not wish to have a balance due or have any obligation to American Express.
Consumer complaint received 2015-11-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (WA)

I seemed to have misplaced my old mortgage information for the address of XXXX XXXX XXXX, XXXX CA XXXX. I am hopeful that JP Morgan Chase can assist since the loan was through them and paid off in full. I am wanting a paid in full receipt for that loan if possible. I spoke with someone on the phone who was able to locate the loan information, but I am just wanting a confirmation in writing that the loan was paid in full as agreed. The loan was paid in full in XXXX or XXXX of 1993. 
Thank you.
Consumer complaint received 2015-12-22
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: USA DISCOUNTERS LTD (GA)

i PURCHASED A XXXX MATTRESS SET AND THE XXXX XXXX THAT COVERS THE TOP MATTRESS RUNS TO THE CENTER OF THE MATTRESS. a XXXX AND XXXX YEAR OLD HAD SLEPT THIS BED 2 WEEKS AFTER IT WAS PURCHASED FROM USA LIVING. THEY WENT BANKRUPT AND SAID I HAVE TO PAY FOR IT. i NOTIFIED THEM RIGHT AWAY AND THEY CLOSED THE STORE AND DONE NOTHING. i WANT CREDIT FOR THE SET AND I TOLD THEM COME AND GET THEIR ITEMS RIGHT THEN. STORE CLOSED IN LESS THAN 3 WEEKS AFTER THE PURCHASE AND IT TOOK ME UNTIL XXXX FOR SOME ONE TO CONTACT ME ABOUT THIS.
Consumer complaint received 2016-02-13
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Bliksum, LLC (CA)

Offered XXXX loan, after paying XXXX over a four month period was told I had contributed XXXX dollars to the principal and now I owe over XXXX. Loanme.com I was told the finance charges accumulate every day and that the payments alternate one month you only pay interest one month you pay interest plus a dollar towards the principal amount the interest is about 95 %.
Consumer complaint received 2015-12-23
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Renton Collections Inc. (WA)

Renton Collections is attempting to collect an " owed amount '' for XXXX care. 

I explained that my insurance company confirmed that the amount sent to collections inaccurately included discounts that the provider had agreed to, and was working to resolve. 

In addition to being rude and aggressive, the agents told me that " in their experience '' my dispute was invalid and that I was wasting my time and that they would put this on my credit report. they said that if I went ahead and paid all or part while it was being reviewed that would be the best approach. I think this is inaccurate.
Consumer complaint received 2015-07-16
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated committed crime not paying
Company: Platinum Holdings Group, LLC (FL)

XXXX XXXX calls himself the CEO of the Huntington group. When I questioned the bill or needed XXXX minutes to verify with my bank that I may have already paid this debt, he became irate and wanted my credit card information right now or he was taking us to court. He hung up on me XXXX and was very very unprofessional. All he wanted was my credit card information or he was hanging up. we had a similar debt around the time he did state but I paid that off so he wanted me to send me all that information. I refused because I needed to verify his company further before I started handing out my credit card information. He seemed very out of control and manic before he hung up on me for the XXXX time.
Consumer complaint received 2015-07-16
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (FL)

I subscribe to XXXX XXXX which is a joint venture of XXXX XXXX and Equifax. 
I am presently applying for a refinance mortgage on my primary residence with a local lender. 
The lender asked me, " what is your credit score ''? I pulled XXXX XXXX ( screen shot provided ) from my smart phone and I responded " XXXX and XXXX - XXXX XXXX and Equifax respectively ''. 
Lender pulls my credit and the scores are XXXX XXXX XXXX a XXXX point difference and XXXX Equifax a XXXX point difference. 
These companies are misleading consumers with incorrect credit scores which in the end impacts the pricing on my mortgage. 
By the way, both the screen shot and credit pull was done the same day - XXXX XXXX, 2015. 
Requiring accurate credit scores to be reported to the consumer without large differences should be an absolute requirement of the credit bureau repositories.
Consumer complaint received 2016-01-06
Product: Credit card — 
Issue: Privacy — 
Company: JPMORGAN CHASE & CO. (NY)

At approximately XXXX today, my XXXX XXXX XXXX daughter received a call on her cell phone from Chase Card Services, asking for me. I have never authorized Chase to call that number to contact me. I do n't know where Chase obtained this number, but my daughter was very upset and I feel that my rights were violated.
Consumer complaint received 2016-01-28
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO. (RI)

I have received a notice from the IRS stating that I have a cancellation of debt that was not included on my tax return. After much research and contacting the credit card company, I found out that someone had stolen my personal information and had a credit card issued. I am now having trouble with the financial bank to get this erase, and informing the irs that this is not my debt. the Irs is stating that I owe {$1100.00}.
Consumer complaint received 2024-08-15
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. (GA)

My account with XXXX XXXX  was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2016-01-06
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Pressler & Pressler, LLP (NJ)

Pressler & Pressler sent letters to demand payment for debt that was well past the statute of limitations for the State of NJ. When I asked for verification of the debt they told they stated they have a judgement. I was not served a judgement. I asked for details of the judgement and they retused to provide the details. They also failed to provide information on the original debt. They threaten me to pay or they will pursue legal action. They ended up garnishing my wages. I am a single father and they illegally placed a garnishment on my wages to pay approx. {$8000.00} that Pressler and Pressler could not provide verification of. I would like this company investigated and would appreciate if my money could ne returned.
Consumer complaint received 2016-02-16
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Nelnet, Inc. (FL)

I am a guarantor on my son 's student loans.My son was laid off in XXXX 2015. He was unable to make his student loan payment. When he called, they said that he had to make his loan current prior to them helping him due to his unemployment ( they do not have a record of his call ). Normally, when he is late, I receive a letter within a few days of the due date. This time I did not receive any letters until XXXX XXXX when he was 60 days late. However, I found out that he was 60 days late, when I went to apply for a loan and my credit rating was XXXX points lower than it should have been. I made the account current. I called to have then correct the credit report and they refused to do anything. Citizens the holder of the note said that Firstmark Services was responsible for the credit reporting and Firstmark said that XXXX was in charge of credit reporting. I told XXXX that I had a complaint and they offered no help. I told Firstmark that I wanted to talk to someone about my complaint and XXXX # XXXX said that there was nothing they could do about the credit reporting. Finally after a very long conversation XXXX said she could send me a complaint form. XXXX said her system said that they mailed notices to me, I said that I did not receive notices. They have my email and they did not email me. I do not receive monthly statements. They said that they called, but I did not talk to them. XXXX acknowledged that they were unable to talk to me by phone. I do not know when his payments are due. They did not offer to send my statements. They pressured me to allow them to make phone calls to me. I refused. I said that they could email me or send me mail.
Consumer complaint received 2016-03-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (NJ)

Equifax - As you know, deleting the Pay History for this account orphans the record - and leaves this account Inaccurate and then also incomplete, according to the XXXX and XXXX credit reporting guidelines. 

XXXX XXXX XXXX - Not Reporting Accurately 1. This Account is Paid and Closed. 
2. The Activity Designator is inaccurate, and should not be " N/A '', instead it Should be Paid XXXX Balance 3. The Payment History is inaccurate, and should only reflect the 3 months that this account was opened. The Pay history goes through XX/XX/XXXX, when it closed in XXXX. 2015 Please verify the Open/Close Date for this account Please verify the Pay History that supports this Trade line Please verify the Activity Designation for this account
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I recently disputed an account on my consumer report that came back UPDATED. Pursuant to 15 U.S.C. 1681i ( 7 ) and FCRA Section 611 ( a ) ( 6 ) and ( 7 ) i have the right to request an explanation of the verification method used I am requesting the method a verification that you used for the following account : XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2016-03-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (LA)

I recently obtained a copy of my credit report from Experian, and discovered that XXXX XXXX claims to have charged off an installment loan of mine. The date on the report that the account was opened ins XXXX/XXXX/2006. The account number on the report is : XXXX. 
The report indicates that it was a 60 month loan but there is no amount listed for the loan. 
I have never signed any documents with XXXX XXXX, and have not failed to pay any installment loan on time for any creditor. I want this error removed from my credit report.
Consumer complaint received 2016-03-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (CA)

I recently contacted Experian to dispute XXXX items on my credit report. First its suppose to be only XXXX account and they are reporting as XXXX. I disputed XXXX XXXX XXXX XXXX as reporting wrong information. First of XXXX owns the account not XXXX XXXX XXXX XXXX they are a third party. As soon as I found out I had a debt with XXXX New I paid in full XXXX I then deisputed the accounts with Experian and they would not removed them or report accurate information. XXXX XXXX XXXX XXXX are reporting XXXX different accounts where they is only suppose to be XXXX account only. I paid the original creditor which is XXXX XXXX XXXX XXXX XXXX XXXX and the credit breau wo n't contact them to see if is paid. Instead they contact XXXX XXXX XXXX XXXX this is not their account they just work as a third party to try to collect. I never enter into a contract with XXXX XXXX XXXX XXXX I do n't owe them a dime I already paid in full XXXX. XXXX XXXX XXXX XXXX is reporting it twice when there is only XXXX account not XXXX.
Consumer complaint received 2024-08-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (OH)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2016-03-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

My identity was stolen in XXXX and there are XXXX accounts on my credit report with TransUnion. i 've disputed the accounts five times in the last year and TransUnion refuses to remove them even though I 've sent supporting documentation and Police Reports to show the identity theft. 

The accounts are : XXXX with an amount of {$320.00} and XXXX with an amount of {$420.00}. NEITHER of these accounts belong to me and are both reported as FRAUD under my consumer statement. additionally the fraud that took place on my credit files so severe I had to legally change my first name. 

I 'm attaching copies of the police report as well as screenshots of the XXXX XXXX accounts. 

As per the XXXX other Credit bureau 's, XXXX remove both accounts from my credit file, and it 's currently under review with XXXX.
Consumer complaint received 2016-01-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (CA)

U.S. Bancorp Investments, Inc XXXX XXXX XXXX XXXX XXXX MN XXXX Complaint Description : Re : Loan No. XXXX This letter is in reference to the above home mortgage from lender U.S. Bank N.A. and administered by XXXX XXXX. Re : XXXX XXXX. XXXX XXXX XXXX XXXX US Bank Corporate Trust Services XXXX XXXX XXXX XXXX XXXX MN XXXX This letter is in reference to the above home mortgage from lender U.S. Bank N.A. and administered by XXXX XXXX XXXX XXXX. In reviewing my credit report it appears there are some discrepancies or errors in the payment history which needs to be corrected under the Fair Credit Reporting Act. Specifically the errors in the reporting are for the months of XXXX, XXXX, and XXXX 2015. All three months were paid on time and need to reported as such. I have copies of the bank statements which can be provided if necessary. I am also notifying the actual lender ( U.S. Bank N.A. ) of the potential violations of law when errors are not corrected. I also request confirmation that in fact your office did receive mortgage loan payments for XXXX, XXXX, and XXXX and that they all were processed. I will need a formal letter on Company letterhead dated and signed by an authorized representative. If you fail to provide the confirmation that the payments for XXXX, XXXX, and XXXX were received tendered and processed timely I will proceed to procure a subpoena as I am entitled to this by law. Very Truly Yours, XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-08-15
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. (AR)

An unknown suspect has been using my identity and social security number without my permission. When I reviewed my Credit report I observed several accounts that I did not apply for or authorize. 

I have filed a police report and I am still unable to get these accounts removed. Please removed these fraudulent accounts from my report. In accordance with the fair credit reporting act Convergent account numbers 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 instructions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-11-10
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (CA)

I had been approved by Welles Fargo bank mortgage company through the Builder last year to be placed on the list to purchase a home. I did sign contract with the builder on XXXX, 2015. Welles Fargo did recheck my credit report. I did lock my rate ( XXXX for 30 years based on my credit score of XXXX ) with Welles Fargo on XX/XX/XXXX for a move in date on XX/XX/XXXX. I did also provide my Credit card For appraisal which was done. Suddenly Welles Fargo did change their mind and do n't wants to fund the loan based on what they claim a negative point on my credit dated back to XXXX by doing so I lost my good rate since interest rate has been on the rise and I am on the risk to not purchase the home.I contacted other lender who are welling to loan the home but the rate has raised since Welles Fargo changed their decision on the last minutes
Consumer complaint received 2015-11-11
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: SELECT PORTFOLIO SERVICING, INC. (TN)

I signed a statement with every complaint stating that the information given is true to the best of my knowledge ; I believe it is a criminal offense to give false information. 
I believe that the subject of my complaint should be held to the same standard. 
In Case # XXXX, Select Portfolio Services flatly stated that there was no payoff to XXXX Mortgage included in my " modification '' ( actually cash out refinance ) that XXXX did. As the new servicer, SPS should have had full documentation of EVERYTHING, including the paying off of XXXX Mortgage. 
They ( SPS ) continued denying paying off XXXX until I sent proof from XXXX Mortgage, as well as proof that XXXX never communicated with XXXX as to the status of my account. 
Therefore, I would like to add this to my list of complaints : Select Portfolio Services gave you false information in response to my complaint.
Consumer complaint received 2015-06-01
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

Using my Capital One credit card, I ordered flowers from XXXX to be delivered to my mom on XXXX 's Day. The charge was {$52.00}. My mom said the flowers were not delivered to her. I tried to dispute the charge with Capital One. At first they refunded the charge but later they added the charge to my account without my permission. They used some flimsy excuse that the merchant ( XXXX ) submitted the charge again. Capital One sent me some meaningless papers that does not prove the flowers were delivered to my mom or anything else. I do n't know how to prove that something was not delivered. When I complained to Capital One, they closed my account ( they do n't like customers who complain ), but the charge of {$52.00} remained.