davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-18
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: SYNCHRONY FINANCIAL (TX)

XXXX XXXX XXXX XXXX has refused to reissue my rewards check. In XX/XX/XXXX, the company issued me my rewards check that would expire in XX/XX/XXXX. These checks must be cashed within their XXXX XXXX XXXX  stores. I was deployed at the time and contacted the company on XX/XX/XXXX, well before XX/XX/XXXX, and stated that I was overseas and would be unable to cash the check. They stated that it would not be an issue and would reissue me a check with special circumstances when I returned stateside in XX/XX/XXXX and that I'd be able to cash it then. The individual received supervisor 's approval and noted the account. When I arrived back home, I called customer service in XX/XX/XXXX and they stated they would resend the check and it should arrive around the same time as my XX/XX/XXXX rewards check. My XX/XX/XXXX rewards check arrived in XX/XX/XXXX and it did not include the one from XX/XX/XXXX. I called the company in XX/XX/XXXXand they stated there was nothing they could do and could not reissue my check, despite telling me twice they would resend the check. The amount of the check was {$500.00}
Consumer complaint received 2024-10-11
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Avant Holding Company, Inc. (NY)

I got this card because it advertised credit building. I used it and paid it every month. After my credit improved they changed the terms and now require an annual fee. I want to keep this card, as it is one of my oldest trade lines ( length of credit history ). Is this a strategy?
Consumer complaint received 2018-01-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/XXXX, I attempted to purchase a tribe membership with XXXX ( {$190.00} ) using my Chase Visa card. Payment was declined. I thought I might have mistyped my account information, so I reentered my information and tried to make the payment a second time. Payment was also declined for a second time. I eventually gave up and used my XXXX card to make the payment. I received an email receipt from XXXX that same day which clearly states that the payment was made using the XXXX card. 

When I got my XXXX statement in early XXXX, I saw that Chase billed me for the two unsuccessful payment attempts to XXXX. XXXX confirmed via email ( dated XX/XX/XXXX ) that they only received one payment for this transaction, the one on my XXXX for which they previously sent me a receipt as stated above. I immediately submitted a dispute for the two transactions ( attachments were not allowed ). Soon after ( date unknown ), I received a phone call from Chase and was verbally told that they would issue a credit for one of the transactions because it was clearly a duplicate charge. That credit appeared on my XX/XX/XXXXstatement issued in early XXXX and is the only credit of any sort that has been issued to date. I was also told that I would need to provide a copy of my XXXX bill via their online email interface to validate the payment via XXXX before the second XXXX charge could be credited to my account. I provided a copy of my XXXX bill ( Email dated XX/XX/XXXX ). Chase contacted me again by phone in XX/XX/XXXX ( exact date unknown ) and claimed they never received the copy of my XXXX bill, so I resubmitted it ( Email dated XX/XX/XXXX ). Both emails are still available in my Chase mailbox for them to review and Chase has sent confirmation of the receipt of both emails. 

As stated above, Chase has only refunded one of the two erroneous charges. They have refused to refund the second charge ( letter dated XX/XX/XXXX ), claiming that they talked to XXXX and XXXX confirmed that they were paid for the XXXX membership. This is true ; however they were paid by XXXX, not Chase. Furthermore, their rejection letter indicates that they intend to reverse the credit they previously issued so that I will still be charged for BOTH erroneous items even though XXXX never received either payment. 

This is all deliberate theft by Chase.
Consumer complaint received 2018-01-14
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Nelnet, Inc. (DC)

At the end of XXXX, my XXXX XXXX XXXX, a loan I had since XX/XX/XXXX, with a fixed rate of 4.25 %, was bought by XXXX XXXX to administer. 

I did n't notice it at first but several months ago I realized my interest rate was changed to variable and now sits at 5 %. 

Furthermore, I could no longer access my XXXX account, which, having signed up for paperless accounts, meant I could no longer access my monthly statements. I have auto-debit, so I often would n't check statements, hence why I did not notice my rate change and the following. 

Shortly after I signed onto the XXXX XXXX website I say my amount due and thought, that my account balanced seemed higher than what it had been in the last year at XXXX. I requested all the information XXXX had on my old XXXX XXXX XXXX data and I finally got it. After painstakingly transferring the data into XXXX and performing all the necessary calculations ( which I can only thank my XXXX in XXXX, to be able to even go this far ) I have discovered my hunch was right. 

I have, in essence, have had one full year of payments removed from my balance ( as if, I 'm paying from the start of XXXX again ). While my loan is not large compared to others the amount is still enough to make me angry at the banking institution for their clear negligence and makes me all the more concerned for my fellow borrower who nationally carries a larger debt than I. The amount difference in question here is {$1200.00}. That is still the equivalence of one full year of payments. The current balance is {$12000.00} while the real value, using the ending balance at XXXX and what I paid to XXXX, actually is {$11000.00}. 

To be clear, in my calculations, I added the unpaid, accrued interest before my first payment six months after XX/XX/XXXX, which includes the first disbursement at XX/XX/XXXX and the second at XX/XX/XXXX. 

I have paid a total of {$11000.00} of which {$5100.00} went towards principle and {$6200.00} went towards interest. Of the total paid, {$1100.00} was above the minimum due and was selected to pay off principle ( mostly done during the first couple of years - to help reduce the loan quicker ).
Consumer complaint received 2018-04-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (AZ)

On XX/XX/2016 I received a check for {$8.00} from Wells Fargo. I called the XXXX number on the letter where they asked me for my social ; the whole conversation felt fishy. I went to my bank to discuss this with someone. I was informed my account was closed a month ago. To my shock, I demanded and explanation. No one could provide me an explanation as to why my account closed and why i had received no correspondence. If I received this check, why was I not receiving any correspondence about my account closing? I am furious and concerned. I am certain that there is a flaw in the system and Wells Fargo is not contacting customers about account closures.
Consumer complaint received 2024-10-09
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: INTERNAL CREDIT SYSTEMS, INC (MI)

Debt collection company sent a letter trying to collect. Called twice and left voicemails threatening legal actions even though I am well within my month to dispute the charges. It hasn't even been a week of me receiving my letter that they called twice and threatened a lawyer. I haven't gotten a chance to mail my rebuttal. They are not honoring my rights.
Consumer complaint received 2019-03-20
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: Experian Information Solutions Inc. (CA)

I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX XXXX XXXX XXXX XX/XX/2017 XXXX {$17000.00}
Consumer complaint received 2018-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ID Analytics, Inc. (FL)

Purchased a vehicle in XXXX 2017 and received financing thru my credit union with a fico score of XXXX. Just received a letter from XXXXXXXX XXXX informing me that I was denied the loan due to information received from XXXX XXXX XXXX. Showing my credit score as XXXX with too many delinquent accounts and limited history at this phone. I currently do not have any delinquent accounts and have had the same phone number for almost 13 years. I read a few threads on them after receiving this and do not feel comfortable calling them to dispute this. Not sure what the CFPB can do but it was recommended that I report this. Hopefully you all can shed some light about their reporting practices Thank you for your anticipated assistance. 

XXXX
Consumer complaint received 2018-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I have 2 open paid perfect XXXX XXXX auto leases. XXXX XXXX has not reported my payment history on the accounts since XX/XX/2017. They inform me they stopped because they went to a new record keeping system and because of technical problems they quit reporting to the credit bureaus. My score went from XXXX to XXXX as a result. I'm in the process of trying to secure a mortgage. Obviously my interest rate is being negatively affected. Transunion says their system records the lack of repOrting as a serious delinquency. XXXX XXXX was absolutely no help and Transunion wasn't much help either. I don't understand how XXXX XXXX can do this. I have talked to several other people who are experiencing the same treatment as I am. Any help wI 'll be deeply appreciated.
Consumer complaint received 2018-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SYNCHRONY FINANCIAL (FL)

XXXX XXXX IS REPORTING A ACCOUNT ( XXXX ACCT # XXXX ) TO XXXX THAT IS STILL SHOWING DERROGETORY INFORMATION THAT SHOULD BE DELETED FROM MY XXXX  CREDIT REPORT.

THEY SOLD THE ACCOUNT TO XXXX XXXX BUT NEVER DELETED THE ACCOUNT WHEN THEY SOLD THE ACCOUNT. THIS ACCOUNT WAS SOLD TO XXXX XXXX  ON XX/XX/XXXX. SEE EXHIBIT ( A ) ATTACHED.

ON XX/XX/XXXX AND XX/XX/XXXX XXXX XXXX SENT DELETION NOTICES TO ALL CREDIT REPORTING AGENCYS TO DELETE THE ABOVE ACCOUNT, ATTACHED IS EXHIBIT B & C TO SEE THE LETTERS OF DELETION TO ALL CREDIT BUREAUS.

I CONTACTED XXXX, AND THEY STATE THAT ITS UP TO XXXX XXXX TO REQUEST THE DELETION OF THE XXXX   ACCOUNT # XXXX.
Consumer complaint received 2018-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Prior to my late payments with Bank of America I paid thru mobile app and would transfer money fro checking to credit card payments but one month I pressed bill pay and they decided not to take payment, but it was taken from account. They decided to mail me a paper check for the payment instead of applying it to my account for two months in a row. Once they realized mistake they credited money to me and closed my account which I didnt want. want!! I made the payment and they made a late fee adjustment on XX/XX/XXXX and also XX/XX/XXXX but then on XX/XX/XXXX they returned payment. Why would they make adjustment but not take late payment off???
Consumer complaint received 2023-08-16
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. (DE)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-08-16
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: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX  account # XXXX, XXXX XXXX  account # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also, they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2018-04-18
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (FL)

We were affected by hurricane Irma. After the hurricane we were contacted by our servicer XXXX about a forbearance and loan modification as a result of setbacks caused by the hurricane. We submitted the application all of the materials for the loan modification only to learn that our loan would be serviced by Freedom Mortgage. 

I notified Freedom of the dispute within the 60 day timeframe and the correction was never made. Upon following up again 2 weeks later, we were then told to resubmit the loan modification application and supporting material which we did 4 months ago. We called numerous times to follow up on our application only to be told it wasnt time to process the loan modification that we were in a forbearance. 

Over the course of the last 4 months we have telephoned Freedom over 20 times, only to be told we need to resubmit the same material we have been submitting since XX/XX/XXXX. 

In XX/XX/XXXX I finally asked to speak to someone in the escalation department and was told that I have been assigned a Single Point of Contact and that because I was current on the mortgage prior to the disaster, that in accordance with Mortgagee Letter XX/XX/XXXX issued by HUD it was a straight forward process and should be resolved within 2 weeks. 

Since that time I have called at least once a week to talk to the single point of contact assigned to me ; over the 6 week period and multiple messages I have yet to have a return phone call, and email, or any form of communication from that individual. The only letter I did receive was to let me know that now Freedom would be reporting me to the credit agencies for being delinquent over 120 days. This is completely unacceptable, especially since I have been paying the mortgage and the delay was not caused by me. The delay was the direct result of Freedom not resolving the issue upon the transfer of the servicing as required and furthermore, stringing out the process. 

I called Freedom again last week and was told that before I can have the disaster modification I need to complete a trial period. This too was incorrect information provided, for one,  we have been paying the mortgage, and secondly as stipulated in HUD Mortgagee Letter XX/XX/XXXX, a Trial Payment Plan ( TPP ) is not required before completion of a Disaster Rate and Term Loan Modification or a Disaster Standalone Partial Claim for a Borrower who was current or less than 30 days past due as of the date of the applicable Disaster Declaration. 

Quite frankly, it is clear to me that Freedom has no idea what is going on or what to do, even though HUD has clearly outlined the policy. As a result, they are now reporting a delinquency to the credit agencies, won't return a phone call to address the issue, and fail to finalize the disaster modification.
Consumer complaint received 2018-04-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (IN)

On XX/XX/16 I was charged {$40.00} " ANNUAL MEMBERSHIP FEE '' by my XXXX American Express Card. 

XXXX then quit their partnership with American Express, and the card account was transferred to XXXX where I was promptly charged another annual fee. 

I called XXXX and asked them to refund the {$40.00} I was charged on the American Express card and they said they couldn't because it was charged by American Express. 

I called American Express and asked them to refund the money and they said they couldn't because they no longer held the account. 

I opened a support case with American Express for this ( XXXX ) which was ultimately closed and they refused to reimburse my {$40.00}.
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

My account with ( CREDITOR NAME ) 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 ( MONTHS REPORTING LATE ) 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 XXXX  days before the payment due date. 


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


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX 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 2018-04-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (AZ)

I have no documents to attach because there are none in existence. This is not my debt and has never been. Approximately XX/XX/XXXX, I received a credit alert from one of the reporting agencies. I immediately looked at my reports to find a collection agency placing a account. I found out who the alleged original creditor was and contacted them as I currently have an current open account with them. When I contacted them I inquired why my account was sent to collections. They told me that my account was CURRENT and I had NO PAST DUE BALANCE! I asked them to please look back to the inception of my account to positively make certain I did not owe any past due amount. They verified that there was no past due balance and also stated that there could be no past due balance since any amount not paid would be added to the next billing cycle. I already knew I had no delinquent amount with them, but wanted to make 100 % certain. I filed a dispute with XXXX  on XX/XX/XXXXand on XX/XX/XXXX this account was DELETED. It was then reported to XXXX. Additionally, I never received any notice from XXXX XXXX XXXX XXXX. that an account under my name was placed with them. They listed the open date on my credit report as XX/XX/XXXX ; IMPOSSIBLE since I contacted the original creditor on XX/XX/XXXX and verified I had no past due or account placed for collections. I did receive a letter from XXXX XXXX XXXX   datedXX/XX/XXXXsaying they investigated my dispute and will report their finding. This is a complete violation of FCRA 623 ( a ) ( 5 ) ( A ) and CFPB Appendix E to Part 222. They have not supplied me with any physical evidence of this alleged debt. They delete it from one reporting agency just to report it to the next. What are they agency hoping? This is unfair business practices and deceptive. I am being bullied into a paying for something that isn't mine. Does XXXX XXXX XXXX. make up fake accounts and report them in hopes that unsuspecting consumers pay them? How many other people has this unscrupulous company done this to? Are they even licensed? I am also going to file a complaint with the Arizona Attorney General 's office. I have already contacted them and confirmed I do have grounds for a complaint. This shady company needs to be investigated. I demand that this is removed from my credit reports once and for all!