davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments.In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX Balance : {$1000.00} ( Original Creditor : ) XXXX Balance : {$590.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/2023
Consumer complaint received 2021-01-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I paid my credit card via my online bank on XX/XX/20, on XX/XX/20 money received by Capital One credit XX/XX/20 payment is due. On XX/XX/20 Capital One charged {$30.00} for a late payment. Called Capital on on XXXX XXXX and was told payment was there but pending? Got statement for XX/XX/XXXX- XXXX LATE FEE {$30.00}. Payment is not late.
Consumer complaint received 2023-05-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (IL)

On XX/XX/23 I had given permission for Comenity bank to debit XXXX from my checking to pay off my credit card account. 

The payment due date was XX/XX/23 and I paid the entire balance in full according to my paper statement ( XXXX ) on XX/XX/23. 

Comenity than had some issue with their system and only debited XXXX from my bank ( not the scheduled XXXX I paid ) This created a late fee that extended even though the account was effectively paid off. Comenity tried to charge me XXXX dollars for an original total card balance of XXXX. That is just not acceptable! I never received a notification or mailed statement ( I never signed up for email only statements ) saying that the account was ever past due or that they had an issue processing the regular payment of XXXX. Being that this was my last payment to pay the card off in full I did not expect another payment to be made at any point and only found this issue after two months had passed with a text message from them saying to call regarding my Comenity account. 

I have tried to fix this with them but was forced to pay double what was originally owed ( after spending 3 hours with them on the phone and being hung up on 4 times ) because they refused to fix the issue due to a clerical error processing my original payment of XXXX I've dealt with many creditors and I've never had a misprocessed payment before. I've also never dealt with a creditor that refused to fix or refund all fees incurred in situations very similar to this one. In my best opinion Commenity Bank does not act in good faith to the consumer and I personally will never hold another account with them again.
Consumer complaint received 2022-02-24
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: CITIBANK, N.A. (OH)

At the end of XX/XX/2021 my citi financial card was lost, and used. The card was at a zero balance prior to me losing it. I called and reported the card lost the moment I found out. Citi advised me NOT to make a payment during the investigation, and told me it will take only 2 weeks. That was 4 months ago. And they reported my account 120 days past due, RUINING MY CREDIT REPORT, I have spent HOURS TALKING TO OVER SEAS CUSTOMER SERVICE REPS THAT HANG UP ON ME, After promising return calls and resolve, NOT ONE TIME HAVE THEY ACTUALLY HELPED. I have called in at least 30 times and spent HOURS AT A TIME HOLDING AND EXPLAINING. I even reported to the credit bureaus but yet they havent been able to help either!
Consumer complaint received 2023-08-24
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. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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.
Consumer complaint received 2023-11-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (TX)

For the past 3 weeks Ive emailed this company in detail my issues using the information on their contact section of the website. My issue is that they are requesting me to pay them my loan payment ever since the student loan relief pause went away. Problem is Im still a full time student and have been for theee years nonstop. Thats suppose to be deferred until Im not. Their website says as long as my school updates the national clearing house site with my status their system will update every week from that info and it will stop asking for payments. Its been weeks and still the same and no response after 6 emails to various departments. Ive called during the day and been on hold for an hour but I cant stay on hold all day. Im worried they will repeat this as late to the credit bureaus which hurts me but thats not right cause I shouldnt have a payment to begin with. I need someone to please contact these people and have them do their jobs because this isnt right. I called my school for help which they did but told me all they can do is ensure my full time status was updated to the clearing house site so the loan company will see it and know Im in school now. I have perfect credit and cant afford for this to hurt me nor can I pay this bill because I was not suppose to even have it.
Consumer complaint received 2023-08-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XX/XX/2022, 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 2023-11-17
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: EQUIFAX, INC. (TX)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : 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 2023-11-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Barnhall Financial Services, Inc. (MS)

I filed a XXXX XXXXXXXX bankruptcy in XXXX of XXXX. This account with Barnhall Financial is included in that bankruptcy. They took it off at that time. Then added it back months later and is now reporting that Im late every month instead of stating its included in bankruptcy like other companies did. I have told them. I have disputed multiple times with the credit u ions and the company tells them the info is accurate. Im not sure what else to do to have them stop reporting. They tried to repossess my car after telling them I was filing bankruptcy.
Consumer complaint received 2023-08-01
Product: Credit reporting, credit repair services, 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. (MI)

I did not authorize nor approve these inquires. 
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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-19
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (NV)

I paid for a couch from XXXX XXXX with Synchrony Bank credit card. 

I did not get what I paid for. The couch was damaged. I paid for a brand-new custom-made couch. 

I asked XXXX XXXX to remove the damaged couch and they refused. 

I disputed the charge and requested a refund. 

XXXX XXXX has recently agreed that the couch was damaged when I received it and has offered to give me a new couch and allow me to keep the old one. 

I don't choose to have either. 

I did not get what I paid for. I would like a refund. 

Please note that I have been paying this bill monthly while I am disputing this charge.
Consumer complaint received 2023-11-06
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. (NY)

I am writing to follow up on my recent dispute with an ID XXXX regarding unauthorized and inaccurate inquiry on my credit report that was submitted last XX/XX/2023 that is still open and no resolution has been given as of yet. I appreciate your attention to this matter and kindly request that you take immediate action to remove the hard inquiry from my credit report, as a resolution to this dispute. 

To provide you with the necessary details, I am outlining the relevant information below : XXXX - XX/XX/2023
Consumer complaint received 2023-05-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

In accordance with the Fair Credit Reporting act XXXX, XXXX XXXX XXXX XXXX Account # XXXX, 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 In accordance with the Fair Credit Reporting act XXXX, XXXX XXXX XXXX XXXX Account # XXXX, 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 In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, 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 In accordance with the Fair Credit Reporting act XXXX, XXXX XXXX XXXX Account # XXXX, 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.
Consumer complaint received 2023-05-05
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CITIBANK, N.A. (CA)

I have been given 2 prior closing dates ( XX/XX/2023, XX/XX/2023 ) and now my closing date has been moved to XX/XX/2023. I was asked by the loan processor for a list of needed documents for the underwriter to review on XX/XX/2023 at XXXX. ( Mind you, this is the second loan that we are trying to get approved, the first one was denied by CITIBANK ) each time the closing date is pushed back, I get issued a new set of disclosures with a completely different interest rate on it. This is an interest rate I have been previously " locked in '' to per the loan officer I am working with ( XXXX XXXX XXXX ID : XXXX ) This loan officer is terrible. Does not thoroughly explain things, and asked me just last week to pick a different interest rate... isn't my interest rate locked? and we just bought down the interest rate to 5.2 % and he wanted me to accept a 5.85 % interest rate so CITIBANK could make more profit off my back. 

I regret choosing this bank to purchase my first property. They are sloppy, disorganized and unprofessional. Clearly I am not a priority as a customer. My lender sends me correspondence that doesn't provide answers or a solid timeline and has a note at the end of this correspondence to call him if I have any other questions but the moment I call him, he is quick to rush me off the phone and hang up. 

We already well past the projected closing date of XXXX XXXX and the loan XXXX does not provide me with daily or even weekly updates. 

I suspect that they are purposely pushing back the closing date so that they can serve me with an increased " locked in '' interest rate and charge me more in closing costs. I do not trust this company anymore and they do not have my best interest in mind.
Consumer complaint received 2023-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC (TX)

Carrington Mortgage has not reported my mortgage payments to XXXX, XXXX and XXXX. I switched my homeowners insurance policy to XXXX XXXX XXXX and cancelled XXXX XXXX XXXX and this needs to be updated in the records. Last, I requested for Broker XXXX XXXX Lic # XXXX, at XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX, Phone : XXXX, Email : XXXX to list my property for sale. I have owned my home since 2018 and I would like to sell my property to purchase another.
Consumer complaint received 2023-12-20
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)

Subject : Opt-Out Request per FCRA Dear Credit Bureaus I hope this letter finds you well. As a federally protected consumer under the Fair Credit Reporting Act ( FCRA ), I am writing to formally exercise my right to opt-out of any and all authorization that may have been granted to XXXX XXXX XXXXXXXX XXXX. This opt-out includes any permissions, whether written, unwritten, verbal, or non-verbal, as outlined in 15 USC 6802 . 

I appreciate your prompt attention to this matter and confirmation of the successful implementation of my opt-out request. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pa, XXXX
Consumer complaint received 2017-12-17
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Big Picture Loans, LLC (GA)

Application Date : XXXX XXXX, XXXX Effective Date : XXXX XXXX, XXXX On the application date above, I submitted an application to Big Picture Loans for the amount of {$800.00} to be pay a couple of bills. Thinking the loans would provide temporary relief, week after week, because the XXXX rate is 497.6265 %. For a {$800.00} loan, I am going to end up paying back {$2000.00} which is not fair. I am having a hard time trying to pay this loan back. I have called numerous times to have my due dates changed to match my new pay cycle so I would n't occur daily fees making it also impossible to pay them back, but they refuse to work with me.
Consumer complaint received 2023-11-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc. (WI)

I have been making additional principal only payments on a mortgage that was sold by Bank XXXX XXXX to Mr. Cooper/Nationstar and it was changed somehow without my signature from a fixed interest rate note to variable interest. Once I discovered they can raise my interest rate every year, i began making additional payments with Notes in the check/payment envelopes that the entire check was to go towards principal of note only. ( I am on auto payment system for the regular payment per month ). The last 3 months they have applied my payment towards Future Interest instead of applying the payment towards principal on the day received and processed. So in a sense, they are not paying down the principal of my note with the entire extra payment as I directed them to do. It is also making the pay-off of the note greater than it should be because of the time that has gone by being applied to future interest instead of principal. I have had to call them every month for the past 3 and ask that they apply payment correctly. They do not. and then i get the statement the following month and see they didn't correct it and that they again misapplied the principal payment ( and the auto payments are not recorded on statement either.
Consumer complaint received 2023-07-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

About 5 years ago I applied for a Credit Card XXXX Bank of America because they had a promotion going on for a Bonus after meeting the minimum spend amount. But Bank of America didn't honor that promotion for my account. I tried finding a solution with the bank 's Customer Service but they still denied the promised Bonus. The Bonus amount advertised was for {$200.00}.
Consumer complaint received 2022-02-23
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. (TX)

XX/XX/2021 {$640.00} loan from XXXX XXXX  via a purchase of electronic equipment at XXXX. I did not approve the loan, I did not sign a document. I did not receive a validation code or a text, I did not receive an email. I reached out to XXXX XXXX and they claim they sent the documentation to an email address I have not used in over 25 years. They claimed I did receive a text but declined receiving. It is absurd. 

My son did purchase equipment from XXXX  on that date, while XXXX years old I gave him permission to use our XXXX card to buy an XXXX. Once learning that XXXX and XXXX used Predatory practice of solicited loans without documentation and utilizing old information with out the credit holders approval, I called XXXX. I did payoff the loan to stop the negative reporting. I asked XXXX  for an explanation and after several phone calls and letters/Email, they claim they did nothing wrong, that I did take out the loan by proxy, and even suggested that I should file a police report on my son. WOW.. .until then I did not realize how morally corrupt the bank practices were. Again, I did not approve a loan, I did receive a validation code, Never signed a document, nor received any paperwork, nor any mail for 4 months. 

My credit has 120 day late report from XXXX. I want it removed. XXXX bank is guilty of predatory loan practices. XXXX and XXXX took an opportunity to defraud the consumer utilizing a loan vehicle to sell more product. 

I have not had a late payment in over 20 years on any credit report and maintain excellent credit. The XXXX XXXX predatory practice is wrong and must be called out. I demand the late payment notification be removed from my credit report with XXXX and Equifax.