davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-05
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (UT)

The promotion ( 12 months interest free ) ended and they added Interest for all the transactions that were run on the credit card from the beginning even for those transitions that were paid off. 
At time of the promotion ending I only had {$5600.00} left to pay, Care Credit added 26.99 % of interest {$5800.00} which made my total balance {$11000.00}. 
They charged my interest for transaction that have been paid off long time ago. 
This is financial abuse and it should be illegal.
Consumer complaint received 2024-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

Submitted request for verification of inquiries made and the inquiries are past the 2 year mandate time to be removed. See list of inquiries : 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 EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-11-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: PENNYMAC LOAN SERVICES, LLC. (FL)

Multiple times over the last XXXX  years. The mortgage website has said that I've made my payment automatically. ( photos attached ) This has turned out to be false. I get no messages from the mortgage company that I have missed a payment, even when my mortgage goes into delinquency. When I click " pay '' on the website, the website alerts me that a payment has already been made with an aggressive popup. 

I have to bypass it and force a payment in order to get my mortgage actually paid. 

The mortgage company then charges me late fees and reversal fees for the " late '' payment. 

The last time this happened was XX/XX/year>. I sent the company a message asking explicitly if my payment went through on the XXXX. On the XXXX, they told me explicitly " Yes '' it went through. In the middle of the month a new transaction was added to the account with a date of the XXXX. This said that the payment was " reversed '' and never went through. Now I have a reversal fee. If the reversal truly happened on the XXXX. The employee should have seen it on the XXXX when they replied. And either way, when a reversal happens I should be informed, and the website should not say that my payment was successful and prevent me from paying. 

Their website is deliberately deceptive to extract extra money out of their mortgage customers. Their employees lie to you about the status of your loan. 

Furthermore, all communications with them are required to go through their web platform. Where you do NOT get a copy of communications. The communications are deleted by the mortgage company quickly when they are about the above issues. You have to screenshot your communications in order to have a copy of them. 

This intentional destruction of papertrails is also deliberately malicious.
Consumer complaint received 2024-08-06
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. (MN)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS 15 U.S.C.1681 SECTION 602 A.STATES I HAVE THE RIGH OF PRIVACY.

15 U.S.C 11681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CONNOT FURNISH AN ACCOUNT WITHOUT MY WRITING INSTRUCTIONS
Consumer complaint received 2023-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

I filed a dispute for incorrect information on my credit report.I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd paty.They in fact did not come from a 3rd party.l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out.I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

XXXX Consumer Financial Protection Bureau Subject : Complaint Against XXXX and Equifax Dear CFPB Team, I am writing to formally file a complaint against XXXX XXXX Bank XXXX XXXX ) and Equifax XXXX the ongoing reporting of a credit card account that I believe should no longer impact my creditworthiness. 

The account in question is XXXX XXXX XXXX, and according to the law, it should have already been removed from my credit report due to the length of time it has been active. However, JPMCB continues to report this account to the credit bureaus, which unfairly affects my credit score and financial standing. 

I kindly request that you investigate this matter to ensure compliance with credit reporting laws and protect my rights as a consumer. 

Thank you for your attention to this important issue. 

Sincerely,
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX  Account number : XXXX Account name : XXXX XXXX Account number XXXX XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year>
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. 


XXXX XXXX XXXX XXXX {$10000.00} XXXX  XXXX {$7900.00}
Consumer complaint received 2024-10-31
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Climb Credit Inc. (WI)

In 2022, I joined a XXXX XXXX XXXXXXXX XXXX with the goal of becoming a XXXX XXXX. I was promised access to a XXXX XXXX XXXX XXXX XXXX, and I thought this program would help me shift my focus toward a stable career path. Hoping to land a job soon after graduating to help me pay off a {$20000.00} loan, I took the leap. Coming from a background as a XXXX XXXX in a low-income household, supporting my wife and myself, I believed this investment would lead to better opportunities. 

However, after completing the XXXX, I was laid off three times, leading to significant stress and XXXX. The monthly loan payment of {$850.00} quickly became unmanageable, and I had to stop making payments because of the financial strain. I never expected this outcome ; I thought this program would open doors to new career opportunities. 

Instead, what I hoped would be a quick path to success has only led to stress and regret. My aunt, who co-signed the loan, has also been affected, with the impact reaching both our credit scores. Unfortunately, this has caused a serious rift in our relationship that feels difficult to repair.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission.

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receiptXXXX 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-10-31
Product: Credit 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. (CA)

Complaint for Card Ending XXXX Summary : I am filing a complaint regarding the card ending in XXXX. My dispute for this card was submitted alongside disputes for XXXX other Chase credit cards, including the card ending in XXXX, on the same date in XXXX 2024. While Chase acknowledged all three submissions, only the dispute for card XXXX saw any resolution or movement. The card ending in XXXX has not shown any progress or action since the initial acknowledgment date, which is well beyond the timeframe mandated by the Fair Credit Billing Act ( FCBA ). 

Details : XXXX. Dispute Submission Date : XXXX 2024. 
XXXX. Issue : Despite acknowledgment from Chase, there has been no movement or progress on the dispute for card XXXX, even though similar disputes submitted simultaneously for the card ending in XXXX have been partially addressed. ( XXXX ) XXXX. FCBA Violation : Under the FCBA, Chase is required to acknowledge disputes within 30 days and resolve them within XXXX billing cycles ( or 90 days ). This has not been done for the dispute related to card XXXX. 
XXXX. Additional Context : The disputes relate to breach-of-contract claims, not billing errors. These breaches involve misrepresentations and service failures on the XXXX XXXX XXXX platform, as documented in my submissions.
Consumer complaint received 2024-10-31
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with cash advance — 
Company: BlueChip Financial (CA)

On XXXXXXXX XXXX, I was desperate to obtain a loan that would enable me to meet my bank overdraft and cost of living. I was immediately contacted by Spotloan and offered {$800.00} which I accepted and e-signed for and gave them my banking information. Then I received online their massive terms requiring me payback loan XXXX over a XXXX month period with 600 % interest. They are headquarter on XXXX ReXXXX I immediate called them back, told them I could not accept the loan, refused to sign the agreement but they said they were going to send it anyway to my XXXX Bank Account the next day XXXX XXXX. I asked my bank to not accept loan but because I was overdrawn they claimed they had to accept loan anyway. I do not want this predatory loan but dont know how to stop them from taking {$3200.00} over a 9 month period for a {$800.00} loan. 

Spotloan XXXX XXXX XXXX XXXX ND XXXX ( XXXX ) XXXX
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. 

XXXX XXXXXXXX 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 2024-10-31
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

I have been in process of loss mitigation for 5 months. This process should not take this long. I was approved for a program by my previous servicer yet this servicer has claimed to not have all documents and now they are stalling the process and have started foreclosure on my property. I have submitted documents repetitively and it at this point making me XXXX  I am beyond stressed not knowing what is going on with this. I have been XXXX  twice due to the stress of this entire process. I have complied. I am requesting a complete audit of the underwriter, company and loan. I am being abused and my loan being railroaded. I also sent in a letter advising of all and it has not been addressed still. I have attached screen shots and all documents.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (IL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IN)

Subject : Request for Removal of Unverified Accounts Based on FDCPA Dear Equifax Dispute Department, I am writing to formally request the removal of certain accounts from my credit report, as they are unverified and violate the Fair Debt Collection Practices Act ( FDCPA ). The FDCPA mandates that upon a consumer 's request, debt collectors must provide proper verification of any debt they attempt to collect. If they fail to do so, they are prohibited from further collection activities related to that debt.

I have previously disputed these accounts in writing with the respective debt collectors and requested proper verification of the debts. To date, I have not received the required documentation validating these accounts. As such, these accounts are considered " unverified, '' and the continued reporting of these accounts by Equifax is improper and not in compliance with federal law.
Consumer complaint received 2024-10-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (AL)

I had XXXX dollars deposited into my account from my job. Within 10 minutes of my money being deposited, the money was also stolen from another individual. I called Chime to dispute the transaction the representative that I was speaking with first hung up on me and then canceled the dispute. I called back, reopened the dispute again, and they refused to give me back a dime of my money. Ive reopened this dispute about three or four times. I just moved to a new state. The money that was stolen was for my rent. It is now behind as well as my lights because of this issue. I just moved in. Im not trying to get kicked out. I have a XXXX XXXX for. Chime has refused to deal with my dispute every single time I have contacted them. They want me to do my own investigation and I know nothing about this person but the name that I can see on my end. That being said, I have XXXX this person found multiple addresses and phone numbers and Chime still refuses to do anything for my case.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK (CA)

I am writing to formally request verification of a credit card account that has been reported in my name. 

My legal name is XXXX XXXX, not XXXX XXXX, as has been incorrectly reported. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to request verification of any account reported in my name. 

Please provide the following : 1. Proof of my authorization to open this account, specifically a signed application or other documentation that includes my correct name and signature.

2. Information on the method used to apply for this account and where it was opened.

3. Copies of any identification or documents used to verify my identity when this account was opened. 

Additionally, I want to clarify that the previous account statements you have sent are not proof that I authorized the opening of this account. I therefore demand a re-verification that includes my signature, demonstrating my consent to open this account. 

If you can not provide this verification, I request that you : Immediately delete this account from all of my credit reports under the FCRA. 
Cease reporting this account to all credit reporting agencies. 
Provide written confirmation of the deletion and removal from my credit reports. 

Furthermore, if this account has been written off or charged off, your company is required to issue a Form 1099-C for canceled debt under IRS regulations . According to IRS guidelines, creditors must file a Form 1099-C to report the cancellation of debt of {$600.00} or more, and I have not received this form as required. If this account was indeed canceled, please provide confirmation of the 1099-C filing or an explanation of its absence. 

Please respond in writing within 30 days, as required by law. Thank you for your prompt attention to this matter, and I look forward to your response. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bridgecrest Acceptance Corporation (PA)

Amount : {$25000.00}. 
Please see attached for proof of claim. 

15 U.S. Code 1666b - Timing of payments U.S. Code Bridgcrest is in violation of my federal rights by reporting late payments. ( 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. ( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. ( Pub. XXXX XXXX, title XXXX, XXXX, as added Pub. XXXX XXXX, title XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX. XXXX ; amended Pub. XXXX XXXX, title XXXX, XXXX ( b ) ( XXXX ), XX/XX/XXXX, XXXX XXXX. XXXX ; Pub. XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX. XXXX )