davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-07
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: SYNCHRONY FINANCIAL (TN)

I just paid a large portion of my, R'US ' Mastercard from Toys r us and Babies r us, credit card off, to under XXXX % usage when the credit card company decided to lower my credit limit and then immediately reported it to the credit bureaus so that it looks as though I am using XXXX % of my available credit when it was below XXXX %. On top of that, I paid XXXX on my card and they lowered it from XXXX to XXXX leaving XXXX dollars available and they did it based on false information that is being corrected and fixed on my credit accounts that I was unaware of. How am I supposed to get wrong information corrected on my credit when I am not informed that it was added to begin with! 
They wanted to use my debt to usage ratio as one reason when they are not even reporting their balances correctly? They also wanted to use my history of accounts as a reason when I can not control my history of what is being reported. How is this my fault or my responsibility to control when I can not? This hurts my credit and takes far longer to recover. It affects how much my interest rates are and costs me money.
Consumer complaint received 2015-09-22
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: Blackhawk Network Holdings Inc. (VA)

I have a paypower prepaid card. I loaded more than {$3000.00} on the card. Now they hold my money and I can not use my card. I emailed the customer service and was told that they can not locate my account. 

I called the company and was informed someone will contact me. 

I never heard back from them. 

However, they kept charging my account after cancellation ( whatever you name it ). The latest Maintenance Fee was charged on XXXX/XXXX/2015. 

This company is just a scam. 

Please help.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

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 2015-07-17
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Conn's, Inc. (TX)

I have an account with Conns and my payment are due on the XXXX of the month. I was told originally that my payments will be due on the XXXX of the month. I receive up to 35 calls per day and have advised the representatives that this is harassment. Today I received a phone call at my employer and advised them not to call. The representative hung up. Then I called back and was told they do not have an employer phone number on file for me. When I asked to speak to a supervisor, I got XXXX ID XXXX and asked her to take my employer out of the system that this is not a contact number for me. She advised that she was able to locate the number in the system and has marked it as do not call. I advised of the multiple phone calls to my cell phone daily and she advised that the company is within there rights. I advised her that as a consumer this is harassment and I that I will be filing a complaint with the Federal Trade Commission. I was also advised that I would have 12 months of no payments, no interest and during one of the phone calls, I was advised that once you are late, this goes away. I explained that I was not advised this at the store and told the representative that I was deceived upfront. They also added some kind of insurance on my account automatically for an additional {$500.00} that I was not aware of until I received a letter in the mail. I explained to them that I have my own homeowners insurance and that has yet to be removed. And I also advised them that my balance on my credit report show over {$5000.00} but I only purchase {$3400.00} worth of merchandise. This still has not been corrected.
Consumer complaint received 2016-10-21
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: Home Loan Center, Inc. (TX)

On XXXX/XXXX/16 I went to Lending tree looking to get rate quotes for an auto refinance. When filling out your information on the Lending tree website it ask for your information and the last XXXX of your SSN, which normally entails a soft pull for promotional purposes. It further states " View Free Offer ''. Well Lending tree was able to retrieve my full SSN, which I did not give them and they passed it on to other lenders who turned around and did a hard pull without my authorization to do so. When these lenders called and left a vm in regards to the the rate quote I wanted they said they needed additional information in order to proceed. Well I never called them back not realizing they had my full SSN and they pulled my credit report by just using the last XXXX digits of my SSN. I did not know this could be done. As I did not give my full SSN. Their website is not very clear and can be deceptive. When I contacted Lending Tree in regards to this matter they said it states that they will do a hard pull, but it does not state such where it 's very noticeable. Furthermore, they did not even give any rate quotes but only gave the lenders name and phone number. I think lending tree should put on their website that this will result in a hard pull in Big Font right underneath where it asks for the last XXXX of your SSN, as this is misleading and shoppers are unaware of this free offer resulting in a hard pull of their credit report. I also did compassion shopping of their mortgages and it did not result in a hard pull but a soft pull. I want Lending tree to have these inquires be removed from my credit report as I did not authorize for my credit report to result in a hard pull as I was not applying for credit but was simply doing comparison shopping of rates.
Consumer complaint received 2018-08-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I had two credit cards with Bank of America that were closed simultaneously on XX/XX/XXXX. Both cards have balances. One card had a {$12000.00} limit and was opened in XXXX and the other was open in XXXX with a {$5500.00} limit. Neither card has ever had a late payment. I have no late limits on my credit file for any of my accounts. My credit score has dropped significantly due to these closures. I was notified via mail that they opted to close my accounts because my total credit utilization is high. I have never been late on any accounts and do not feel my account closure is justified as my credit utilization has only incrementally changed over the course of me having my Bank of America credit cards. My score has now dropped close to 50 points as the card opened in XXXX was one of my oldest cards, changing my length of credit history as well as my credit utilization!
Consumer complaint received 2015-11-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC (FL)

Describe what happened so we can understand the issue ... 
I became delinquent with my XXXX dues and in order to catch up a settlement stipulation was proposed and accepted. Approximately 6 months later the attorney who I was sending payments to was fired by my home owners association. At this time the balance owed was approximately XXXX dollars. The new attorney fees brought the balance up to approximately XXXX dollars. I was approved for a short sale by the mortgage company but received an estoppel letter from the home owners assoc attorney, demanding XXXX. After the sale was stopped the attorney demanded the XXXX in full ( even though i was making payments on the settlement stipulation ) or threatened foreclosure. They did foreclose and the association bought my condo at auction for XXXX dollars. Now the mortgage company is auing the homeowners assoc and me. 
In spite of the fact that I had received a modification on my mortgage and was current I believe my homeowners assoc and thier attorneys strong armed me out of my condo. 
I am niw looking at probably having to file bankruptcy due to their actions. Any assistance you can provide will be greatly appreciated.
Consumer complaint received 2018-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

On XX/XX/XXXX, I contacted Experian to temporarily remove a credit freeze in order to allow a mortgage company to run a credit check. I was told by an experian agent ( XXXX ) that it would be {$10.00} to remove the freeze. I agreed and gave her a debit card number for the charge. Upon checking my bank statement, I found I was charge 9 times ( {$90.00} ) for the one time {$10.00} charge. Experian hit my card several times within a 4 minute timeframe for the supposedly one time charge. I have tried repeatedly to call Experian to address this problem, but am unable to get through to an agent. My call is stuck in voice option loop and then the call is ended. There is NO option to talk with a human agent at any time. I have tried at least 5 different numbers I have found in notes or on the web, but I experience the same thing ... loop and disconnect. I would like to get my extra money back but have no way of letting them know what is going on. I have enlisted the assistance of my bank, but Experian appears to be a fortress. Help!
Consumer complaint received 2016-02-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Fidelity National Information Services, Inc. (FNIS) (MN)

I am still having problems with my personal checks being declined by Certegy Check Services. I need to know the reason why my personal checks are being declined. My XXXX XXXX XXXX checking account has a current available balance of : {$50000.00}.
Consumer complaint received 2018-09-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Atlanticus Services Corporation (TX)

I opened a {$6000.00} line of credit with XXXX flooring on XX/XX/2018. I was told I would not have any payments due until the next month. Initially, my account was supposed to be with XXXX XXXX, but it was changed to XXXX   without my permission. I was against this from the beginning because of the negative consumer reviews on XXXX, but could not afford to pay off the entirety of the loan at that time. I received a bill the next week from XXXX. When I called questioning the month grace period, they said I had opened the account just before the start of their billing month so I would be responsible for the immediate payment. On this call XXXX, I confirmed the last day I could pay the balance on full to avoid the 29.9 % APR. I was told I needed to pay the full balance by XX/XX/2018. I made regular payments greater than the minimum amount due. When I called on XX/XX/2018 to pay off the {$1500.00} balance in full, I was told I had accrued an extra {$490.00} in interest. At no point was I verbally made aware of the interest charges, the date I would start receiving interest, the fact that residual interest would be charged, nor did I ever sign any documents from XXXX acknowledging these agreements. XXXX has not worked with me one bit on any of these charges. The fact that they tout themselves to individuals with less than stellar credit as a way of getting out of debt is shocking.
Consumer complaint received 2016-03-02
Product: Credit card — 
Issue: Late fee — 
Company: SYNCHRONY FINANCIAL (CA)

Sychrony Bank Care Credit lost my final bill payment ( conveniently for them ) ( for the 2nd time ) and charged a late fee and a service fee -- -- -- -- -- -- This is the 2nd time I am utilizing Care Credit through Synchrony Bank to pay a Dental bill. 

And it is the 2nd Sychrony Bank has denied recieving the final payment and charging me a late fee and a service fee. 

The 1st time I utilized Care Credit in XX/XX/XXXX, I paid the full balance within the 6 months, 0 % rate period and they say they never received my final bill payment and charged me a late fee and a service fee. 

The bill was sent via USPS a week-and-a-half ahead of the due date and should have been delivered on time. 

I definitely sent the bill to the correct address, as they provide the correct address on their payment coupon which fits into the address window of the envelope they provide. 

All other bill payments were received properly. 

However, Sychrony Bank sent me another bill claiming they never received the final payment in full. 

I never received the payment envelope ( with the check in it ) back at my return address ( which I make sure is on every correspondence ) from USPS. 

I believe the payment was received and discarded so Synchrony bank could charge me a lae fee and a service fee. 

This is EXACTLY what occured the 2nd time around. 

I had dental work done again in XX/XX/XXXX. I FOOLISHLY used my Synchrony Bank Care Credit to pay for the dental bill. 

I paid the bill down to a final payment. When the final payment was sent in ( on check XXXX ), Synchrony Bank claims they never received it and charged me a late fee and a service fee. 

I decided not to pay the service fee or the late fee as I had the first time. I sent them the final payment again ( on check XXXX, the very next check number in the series ), via USPS Certified Mail. This way, I have proof they received the final payment I enclosed a letter in this final payment explaining that this was the 2nd time that Synchrony Bank had pulled this dishonest stunt on me. I asked them to undo the fees and accept the final payment as payment-in-full. 

They sent me back a bill with the late fee, another service fee and started charging me 29.9 % interest on the fee balance. 

I contacted their Customer Service Dept. and the representative told me that there was nothing she could do about removing the fees or the interest. 

I have been told of this exact scenario occurring to other people by Synchrony Bank credit company. 

I am interested in getting this resolved as quickly as possible.
Consumer complaint received 2016-04-21
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: Fidelity National Information Services, Inc. (FNIS) (TX)

I applied for a checking account with XXXX and received a declined notice. CheckSystems sent a response to my inquiry of their investigation of my records however, all I see noted is " no information found '' and numbers and references to their review but nothing is clear as to a cause for a decline of a checking account. I sent a dispute on XXXX but if the original report fron CheckSystems was clearly understandable as to what and why my request with XXXX was declined there would be no need for another request. A clear notation in CheckSystems report would eliminate the need for another letter as that should be a standard practice for any reporting agency. My time is valuable as well and if the report was clear as to the reason for decline I would n't have to resubmit another request for clarification. There should be clear reporting standards instead of having to spend more time understanding what the report from CheckSystems or any credit reporting agency is clear, concise and understandable for any one at any educational level.
Consumer complaint received 2023-11-16
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: EQUIFAX, INC. (CT)

XXXX XXXX Verify this account XXXX XXXXXXXX Is not mine XXXX XXXX XXXX I never have late payments XXXX XXXX XXXX XXXXXXXX Is not mine inquiryss XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-03-09
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Consumer Portfolio Services, Inc. (WI)

I bought a new car from XXXX XXXX of XXXX in XX/XX/XXXX and they got me financed through Consumer Portfolio Services ( CPS ). Later I found that they hard pulled my credit 10 times to get this deal to work. From the start XXXX was nothing but nasty to me. I decided for my first payment to send in my payment with a check instead of incurring a {$12.00} fee for paying online or over the phone. I sent it in plenty of time for the mail to reach them by my due date. The day after my due date I got several calls a day from them. When I did talk to a representative, things got so bad that I asked to speak to someone else. This person explained to me that a 3rd party processor receives the checks and until they have completed processing payments which could be XXXX to XXXX business days after they received my check that it would be considered late. Because of this they changed my due date from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX. I verbally approved this over the phone and they sent me a letter that verifies the change. As time went on I 've received several letters from CPS stating that my payment due date has changed. I have XXXX letters in my records XXXX from XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. I did not ask for nor approve these changes. What they have done was extending my maturity date out a month each time which means longer loan term and more interest collected for them. The only time I have ever asked for an extension was XXXX/XXXX/XXXX which I called and asked for, they sent me paperwork, I signed and sent back for their approval. The last piece to this is the interest they are collecting. I noticed that I have been paying on this car for a little less than 2 years and my loan balance is not moving, and most of my payments they are applying to interest. I called the week of XXXX/XXXX/XXXX to speak to a representative on my interest and how they calculate how much is applied to each of my payments. She had told me that my loan is a simple interest loan with 16 % interest annually based on my original loan amount. She told me that my yearly interest amount is {$3500.00} which multiplied by 6 years equals {$21000.00} almost the same amount as my loan. Although on my sales contract it states that my interest for the life of the loan is {$12000.00}. That 's a big difference. There has been a lot of interest applied to my payments and hardly none to the principal. This company is a scam. They are harassing with their phone calls, nasty to me when I do talk to them, changing my loan terms by giving me a " courtesy due date change '' without my authorization and taking more for interest than what my finance contract states. These people are predatory lenders and they need to be stopped and the car dealers that are using them are not helping people with poor credit rebuild!!
Consumer complaint received 2018-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (CA)

In the past 8 months i have disputed my XXXX XXXX XXXX account and XXXX  XXXX XXXX account with EXPERIAN five times and always comes back verified. I requested method of verification and got no respond.
Consumer complaint received 2024-08-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: WELLS FARGO & COMPANY (IA)

Well fargo foreclosed on my mortgage loan and did not offer me a modification and I never even knew about this law suit that they offered customers that lost their home. I just received a letter from wells fargo saying they identified and error on my home mortgage and sent me a check for $ XXXX fargo never offered me a modification before they foreclosed on my home. I would like any and all information on this people let me kow
Consumer complaint received 2015-05-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Servis One, Inc., Titusville, PA Branch (PA)

I continue to have loan servicing problems with my mortgage company, BSI Financial Services. While my mortgages were originally refinanced with XXXX Mortgage, they were sold to BSI Financial in 2013. For almost XXXX years, I have spent countless hours on the phone with BSI Financial regarding loan payments not being processed/deposited when received, payments not being properly credited to my accounts, calls regarding late payments and late fees being applied, and insurance bills being unpaid. The latter was my most recent situation with BSI. Specifically, I received a letter from my property insurance company indicating that correspondence was returned by the post office. When I contacted BSI regarding this matter, they indicated that the insurance address had change, although neither I nor my insurance company were informed about this change. They asked that I have the insurance company contact them for the correct mailing information ; however, I demanded the information and called my insurance company to update their records. I also email a copy of the bill to their Customer Care office to expedite payment ( and included a copy of my real estate tax bill as well given a lack of confidence that they have paid this bill on-time ). While BSI Financial Services is quite adept at collecting debts from others, they are woefully inattentive to the debts associated with the mortgages for which they are responsible.
Consumer complaint received 2018-08-20
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: NAVY FEDERAL CREDIT UNION (SC)

Navy Federal Credit Union reported me late on a credit card that does not belong to me, I am an authorized user only. I never signed anything saying that I would be financially responsible for this card.They reported me late, and when my wife called, they advised me that they reported me as an authorized user, and would not be able to correct. My wife had me removed as an authorized user, but I need them to go and fix my credit report. You can not report on an authorized user, because I never had financial responsibility for this card