davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-30
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: Experian Information Solutions Inc. (PR)

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX In accordance with the Fair Credit Reporting Act the list of account below has violated my federally protected consumer rights to privacy and confidentialy under 15 USC 1681. The account below 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. 15 U.S.C. 1681 C. ( 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 1681 S-2 ( A ) ( a ) A person that 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 innacurate. DELETE THE ACCOUNT BELOW
Consumer complaint received 2024-04-30
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: Experian Information Solutions Inc. (CT)

I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

i'm complaining about Transunion! They won't help me with anything to improve my score. This is stoppeng me from finding a new place to rent. please help my family and I are going to be homeless if this cant be fixxed
Consumer complaint received 2017-05-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PR)

Payment of {$180.00} due to Bank of America was submitted through  a Biller Service  on Saturday  XXXX / XXXX / XXXX . Payment was not processed by Bank of America until  XXXX / XXXX / XXXX . A late fee of {$25.00} was placed even though full payment was received and made before the due date. No partial payments were made. Called company and spoke with  XXXX   XXXX  to waive {$25.00} since it was the first time this happened, given that she mentioned she was not authorized to make that decision, she transferred me to her  manager   XXXX   XXXX , who reviewed the information in he system and after he verified mentioned that he could not waive the fee.     That Thursday  XXXX / XXXX / XXXX  I looked to verify the fee and I noticed that instead of the {$25.00} I had been charged {$27.00} with interest. I called Bank of America again and throw time spoke with  XXXX  from California who did not want to provide her last name. I explained to her the situation and mentioned that I was being charged interest over the late fee and paid {$27.00} to avoid getting paid and interest. She wanted to remove the {$2.00} and did so without my authorization and I told her I would pay at that moment the full amount to avoid being charged more interest. She said I would be charged additional interest at the end of the month. How is this possible? I made the full payment and paid late fee with interest? Not understanding what clause in the contract says this. It is not clear. It seems that because of them proces sing one day late the payment I will need to catch up with them, buy then if I do n't pay they have two days to cha rge me addditonal interest? It seems Bank of America has the upper hand in this situation and I will always be at a disadvantage.     I have been a loyal customer since  XXXX  and I have never missed a payment.     Will my interest rate change? The Bank does not make this clear.   Will this affect my  credit score? Will this be reported in the Credit Bureaus? The bank says  no, but I would like an impartial party to clarify and have clarity if these charges are fair towards a customer who made the full payment on the card.     Thank you.
Consumer complaint received 2024-06-21
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: Experian Information Solutions Inc. (OH)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2017-05-11
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: BANCO POPULAR DE PUERTO RICO (PR)

I have been payin for my VA home loan for almost 20 years .l am a  XXXX  vet, I fell behind because of car repairs and health issues.I have applied for the loan modification option and it 's been ridiculous. Since  XXXX     2016  they have been giving me the run around saying they are not reviving my letters send by email .Now they want me to send  XXXX . Getting my divorce validated here i n P.R and  put me on a probation payment plan for 3 months. I calculated and I paid more than {$140.00}. To then on an Orginal {$70.00}. Loan. I do n't want to loose my house. Thanking you in advance  XXXX
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind. With utmost respect, I urgently request the immediate correction of my account, stressing the urgency of this matter.
Consumer complaint received 2023-08-27
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (OH)

A Synchrony Home Mattress Firm credit card was opened with a joint owner in the middle of XXXX. On XX/XX/27 I activated my card, but the joint owner was told her information did not match any records on both the website and on the phone. The joint owner called in and was told only the primary cardholder can have a login. When we logged in with my credentials it asked to confirm the last 4 of the user 's SSN. We tried entering hers and it gave an error that it was incorrect. 

I called in and was told that the joint owner can not create a login, was not given an answer when I asked how we even knew the joint owner 's information was correct on file, and was told explicitly I needed to share login credentials with the joint owner. I have another card with Synchrony, but I was still told that I must share login credentials. I asked to speak to a supervisor and was transferred to a number that was not in service and was hung up on. 

The joint owner does not have access to account statements, no ability to limit the personal information shared outlined in the privacy policy, and no way to make payments. We had to check XXXX XXXX to see if they even got her information entered correctly. The account was showing up so it appears that they do have the correct information on file ( we hope ). 

I'm at a loss for how to proceed when everything on their website and app says her information does not match anything on their records, and the representative is advising me on a recorded line to share login credentials for a financial institution and then hanging up on me when I try to escalate.
Consumer complaint received 2024-06-21
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: Experian Information Solutions Inc. (OH)

I show a bankruptcy on my credit report. I contacted the court and they said they didn't furnish any information to the bureaus. It is clear they do not report to you or any credit bureau for that matter ; therefore the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately.
Consumer complaint received 2017-05-03
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANCO POPULAR DE PUERTO RICO (PR)

My name is  XXXX  live en    XXXX   XXXX    PR, Morgage complaint to  Banco Popular  PR and Loss Mitigation and the lawyer for  Banco Popular  PR send all documents in  XXXX  and    XXXX   XXXX     aprov  modification and the lawyer he said no send me documents for pay trial period because pay your fee {$18000.00} and montly pay more expensive fee, I explain my situation loss mitigation and retruture to {$1300.00} fee lawyer, the issue is in   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX  De  XXXX  explain a complaint and solution two parts and the bank fair resolucion for complete trial period and modification aprov for FHA HUD, Bank  of Popular  PR Dual Tracking process in same time, aprov modification loss mitigation and Fourclures in  XXXX    XXXX   XXXX  , my phone  XXXX  in  XXXX  call me
Consumer complaint received 2024-05-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WI)

On XX/XX/2024 - I sent out a letter to XXXX, XXXX AND EQUIFAX regarding a few inaccuarate inquiries Ive came across on my credit reports that weren't authorized by me. ( Documents attached ) On XX/XX/XXXX - A month went by and after hearing nothing back from neither of them, I followed up by sending an additional 30 Day Follow Up letter to each bureau. 

On XX/XX/XXXX- I received a letter from Equifax stating that they needed a copy of my drivers license and social ( which I in fact did send along with the letter ) and stated that process could take an additional 30 days. 

On XX/XX/XXXX - I also received a letter from XXXX which was in fact nothing but a copy of my credit report with attached instructions to dispute online. 

I still have yet to hear back from XXXX regarding the inacurate inquiries since XX/XX/XXXX.
Consumer complaint received 2024-08-08
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (MI)

I've been trying to log on to the credit website for 10 days and the logon screen times out, regardless of what browser I use. while I am able to still logon to all my other credit card sites and my bank, they finally told me ( after my payment was late and they changed me a late fee ) that I could use their mobile site, which I did, but that site does not allow me to request paper bills or to remove the extra fees ( credit protection ) they have added to my account. 

the agreement I have includes interest free charge if the payments are made with in certain window, this certainly seems to me to be an attempt to keep me from making my payments on time and inside that window
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX  and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. XXXX XXXX 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
Consumer complaint received 2023-09-17
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A. (IL)

Citi Bank has a policy if you have multiple balance transfers they have a hierarchy for the way a payment is made. First the minimum payment is made, then and overpayment is applied to the highest interest account. In my case I contacted their chat representative who told me to after the minimum payment pay {$4000.00} to pay off my balance # XXXX. This just came due with the high interest. I complied and he took payment. My balance transfer was never paid but the money went to another account or was taken I never authorized the representative to put the money somewhere else. I am not aware it where the money went. On XX/XX/2023 the highest interest rate was my balance # XXXX which was never paid. I contacted Citi at least XXXX times and each time I was told a refund will arrive in XXXX days with their standard line about how multiple accounts are paid. They have lied to me on multiple occassions. They claim that you can download the chat notes. Not true, but I took screen shots of my chat notes. They have lied multiple times which I can show, They give false statements like refund will be made on a specific date. Never happens. Talk to another person they say it is being reviewed by a non-existing department. They refuse to give you a phone number to that department. Talking to multiple supervisors they repeat chat and phone the same story under review or you will receive the refund in XXXX days. I asked for the banks legal number again I was refused. This bank is very poorly run and in my case I think I was defrauded by the Citi chat representative.. At first I thought it was just a mistake, but digging further it was obvious this bank operates on different standards that normal approved banks. All I ask for is a refund of the overpayment that I made, but as I said before all you get is lies, from their departments.. On XXXX occasions they representative disconnected the chat. I was respectful and nice so there was no reason for the disconnect. I can prove by the screen shots that I have. Please help me in the situation. 
Thank You
Consumer complaint received 2023-05-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (SD)

On XX/XX/2023 recieved an email stating my account had been closed and that any remaining funds in my account would be mailed with in 30 days. On XX/XX/XXXX Called bank because merchant had refunded transactions that were made using this account so they had to refund to where funds originally came from so I wanted to confirm the would be mailing me a check for those refunds I provided date XX/XX/XXXX was when refund took place the amount and transaction ID numbers for the refunds I was told that I would receive an email telling me when they mailed me the check. I waited recieved nothing for communication so XX/XX/XXXX I called again to find out what was taking place as when they mailed check for refunds that were recieved to closed account I was again told I would recieve an email with date it was mailed and the exact amount all I recieved is a email same as originally that was sent when they first closed account stating they closed account funds if any remaining would be mailed within 30 days how ever when I spoke the first time about the refunds I was to that the refunded transactions would be mailed soon as the refund processed which I thought was instant but they said could be the next day I made sure to clarify that I was not going to be waiting the 30 days like u was for the remaining funds in my account they confirmed this so after trying to get direct answers and clear definitive answers as to what was taking place with the refunded transactions and no one being able to answer and just getting a complete run around I feel my only option is to seek help from another source as nothing is being resolved with them and the as they conduct buisness seems very evasive and vague and circular with no resolution in sight
Consumer complaint received 2017-05-02
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (PR)

Yesterday I received a call from NAVIENT because I was supposedly {$90.00} dollars past due and they called be to make a payment arrangement I told them my payments were on time and I did not have to make any payment until the  XXXX  of  XXXX , they told be that my payment from  XXXX  was reversed to my bank and I told them that my bank does not accept reverals because I have the  XXXX  account and once the bank makes the paymeny it automatically deduct the money from my account, the  1st  person I spoke to was very demanding saying that I have federal loans with them and did not let me talk, the 2nd person told me he did not know that and my payment was reversed for  XXXX  $ and I have a federal loan with them. I told him that I paid  XXXX  $ on  XXXX   XXXX  and  I donot have federal loans.with them because I only have privateloans. I spent  4  hours on the phone with the  3rd representative explaining the situation that on  XXXX  they said my student had a balance for  XXXX  for {$140.00} and from  XXXX  on they were going to increase because even I am fullimte graduate student I maxed out the deferment time and by  XXXX  my loan was going to increase which they had to give me the lowest I could pay which was  XXXX  $ and they told me I could make several payment if I can not pay the full amount of {$230.00} as long I do not pass the deadline to pay.     For  XXXX  I made  XXXX  payment an sent  XXXX  $ total, for  XXXX  I did the same and sent {$230.00} before the  XXXX ,  Yesday  my account appeared as past due. I do not know what they did but now I 'm supposedly have to pay {$150.00} for  XXXX  but today I just received a delinquency letter for the amount of {$240.00}. and the letter was sent to my cosigners again when my loans are on time and with no delays.     The have a lot of people putting their fingers on the accounts, they call you and said the payment was reverse and whatever comes to their mind and they put your account on past due even if the account is on time. They should not have people with no knowledge managing these accounts and they continue messing with my credit and my cosigners credit as well.
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Paypal Holdings, Inc (TX)

I just checked my credit score and realized a credit card in my name that I never opened. The credit card is called Venmo and there is a {$8300.00} balance. I didn't even know about this card. I contacted Venmo and tried to notify them this is fraud and they absolutely refused to close the account.
Consumer complaint received 2023-09-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (AZ)

On XX/XX/XXXX, I received a letter from Phoenix Financial Services stating that I owe {$820.00}. That same day, I sent out a request to provide proof of debt owned, with my signature and details. 

On XX/XX/XXXX, I received another letter, without any information I requested. 

On XX/XX/XXXX, I received yet another letter from XXXX XXXX XXXX with some cryptic CRT Code/Modifier and the date of XX/XX/XXXX. Once again, no explanation and no proof of debt owed.
Consumer complaint received 2024-08-07
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rent Recovery Solutions (TX)

I have tried to resolve this issue with both XXXX XXXX  ( the apartment complex ) and Rent Recovery Solutions ( the collection agency ). XXXX XXXX  did not follow the law and failed to notify me in a timely manner. 
XXXX XXXX XXXX was up on XX/XX/year>, but I moved out several weeks earlier due to XXXX. My rent was paid for the entire time, through XX/XX/year>. I notified the office at XXXX XXXX about the situation. I cleaned the apartment thoroughly and even had the carpet cleaned professionally, which I submitted the receipt to XXXX XXXX. I requested a move-out walk-through with someone from the complex for several weeks, by email, phone and even stopping by the office ( which was always closed ), but I was ignored, they never responded to my requests. I sent them a video showing the condition of the apartment when I left. 
I thought everything was fine until I received an email from XXXX XXXX  dated XX/XX/year>. Attached was a statement dated XX/XX/XXXX. This was the only communication I received from XXXX Bluffs after moving out. This notice was after the 30 day time period per Texas law ; they never sent the letter by the USPS or made any other attempt to contact me. 
I again made multiple phone calls and sent several emails asking for proof of the repairs and cleaning they charged me for. They ignored all my requests and never responded. 
On XX/XX/year> I received communication from Rent Recovery Solutions, the collection agency. The original statement from XXXX XXXX was for {$390.00}. Rent Recovery Solutions increased the amount claiming I owed {$510.00}. There was no explanation of what the additional money was for. 
The collection agency was rude and tried all types of harassment techniques, they refused to listen to my side. I tried to explain the situation and asked again for proof of damages from XXXX XXXX showing I owed this money. They ignored this request and continued to call and email me and threatened they would ruin my credit. 
After several weeks of not making progress my attorney wrote to both XXXX XXXX and XXXX XXXX, asking them to cease and desist with the harassment and threats and also requested the proof of the debt, and they have ignored him as well. 
I have sent both the collection agency and apartment complex copies of my evidence to dispute their claim and they never responded. 
Rent Recovery Solutions did file with all XXXX credit bureau and have damaged my credit, making it almost impossible to rent another apartment. I am on a limited income, I collect XXXX from Social Security. Both the apartment complex and collection agency are aware of this. 
I feel like they have taken advantage of my situation.