davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-13
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (NY)

On my Care Credit account ( owned by Synchrony bank ) I have two promotional/deferred interest purchase balances expiring on XX/XX/XXXX. According to my XX/XX/XXXX statement, there is one promo balance of {$1300.00} and another of {$530.00}. I made two payments to my account on XX/XX/24 : one payment for {$150.00} and another payment for {$350.00}. Since my promo balance expires on XX/XX/XXXX I expected that both of these payments would be applied to those balances and not to other promotional balances on the card since this is what is stipulated in the Card Act as well as the cardmember agreement ( i.e., that payments are applied to the balances with the deferred interest first ). 

On XX/XX/XXXX I logged into my account and saw that one promo balance was {$180.00} and another was {$1300.00}. The payment of {$150.00} was NOT applied to the promotional balance that expires on XX/XX/XXXX. The payment was applied to a different balance on my account. 

I sent a message to CareCredit through their online portal and received a message saying that they would review my complaint and that our review and resolution process may take up to 2 billing statements, ; however, our typical response time is 20 days. You will receive a letter in the mail with the resolution. Given that the promotional balance expires on XX/XX/XXXX, which is earlier than 2 billing cycles, this issue will not be addressed in time. 

CareCredit/Synchrony Bank is in violation of the Card Act because of how they applied this payment. 

I want the payment of {$150.00} applied to the promotional balance expiring on XX/XX/XXXX.
Consumer complaint received 2024-03-18
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Fees charged
Company: NEW YORK COMMUNITY BANCORP INC (OK)

Purchased Home XX/XX/XXXX with an expected payment of {$1700.00}. Which included in my escrow the Mortgage Insurance ( {$140.00} ), my Home Owners insurance ( {$100.00} ), and property taxes ( {$150.00} ). When I purchased my Home, the originally lender was XXXX XXXX XXXX. Immediately after closing, mortgage was sold to Flagstar. Immediately we attempted to set up bi weekly payments. Initially there was complications due to the Mortgage company stating we would need to pay One full payment ahead before they would accept bi weekly payments. When attempting to pay ahead, the mortgage company only applied the payment to principle thus not showing a payment made early and never being able to set up the biweekly payment. 

Fast forward to XX/XX/XXXX. Flagstar increased new mortgage {$2300.00}. When inquiring the huge increase, it was broken down and explained as follows ; New Mortgage Insurance {$350.00} ( Increase of {$210.00} ), Home Owners Insurance {$320.00} ( Increase of {$220.00} ), Taxes {$210.00} ( increase of {$63.00} ). Now understanding insurance costs were raised across the board due to a natural disaster storm, and property taxes also increased across the board. Although the drastic increase in Mortgage Insurance is fluctuated by the company based on biased opinions. My Credit score remained the same, if not better, and the amount on the loan decreased. So what justified the drastic increase in fee calculated. In addition, the difference the mortgage company added on top as a cushion fee for Escrow. 
I expected an increase in monthly mortgage cost due to Insurance and Taxes, which would have increased my monthly cost to just over {$2000.00}. I of course could have shopped around for better insurance to allow for additional savings. Yet due to Mortgage company EXCUSE blaming Escrow I saw an additional hike of almost {$400.00} more! Even more so, Mortgage Company blamed the increase on Home Owners Insurance. Although as explained, homeowners insurance was a fraction of the increase.

When contacting the company to dispute and get explanations, they initially stated they would send me an application to remove my insurance from Escrow. Shortly followed by no they cant and wont. Even if I switched Insurances to a different provider for better rates, they would still pay and force the tacking on additional costs to still see the drastic hike on monthly costs. The additional cushion theyre requiring to pay extra into Escrow is also unjust as I as a consumer should pay whats due and not additional for the mortgage company to have excess funds for them to do as they please. 

To pay on time and to do everything right during this economic crisis led by the Government, how could the average American citizen afford the new found ways to raise the average living costs.
Consumer complaint received 2024-02-21
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: WELLS FARGO & COMPANY (IL)

I have contacted Wells Fargo numerous times about automatic platinum elite status that comes with my XXXX XXXX XXXX  credit card. They continue to deny it has anything to do with them and refuse to send over the qualifying nights to my XXXX XXXX account so I will have platinum status, even though this is one of the benefits and is in the contract with Wells Fargo. I am paying for this benefit with my annual fee and yet they are not providing the benefits on their end and will not rectify the situation. 


AUTOMATIC PLATINUM ELITE MEMBERSHIP Receive XXXX XXXX XXXX  credits qualifying for at least Platinum level status each calendar year.
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications XXXX be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter.

The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

The company is reporting personal information in my credit file and report that is not accurate or complete. Because of this I have not been able to do proper business with other agencies because I can not be properly identified. 

The only name that should be reported is XXXX XXXX. 

My only address is XXXX XXXX XXXX XXXX XXXX, GA XXXX. 

My only phone number is XXXX.
Consumer complaint received 2023-10-11
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc. (FL)

XXXX XXXX was found to be in fault and all loans were to be XXXX. XXXX of my loans were XXXX but XXXX remain that are listed as XXXX XXXX. I have been chasing this for a year now. Aid Advantage acknowledged and presented a letter that loans XXXX & XXXX XXXX would be discharged. To date nothing has happened. All these loans originated with the XXXX XXXX XXXX XXXX  ; another faulty school/ They transferred these loans to XXXX XXXX XXXX found at fault. All within the penalty timeframe. All these loans should be XXXX as noted and presented in writing.
Consumer complaint received 2023-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clearly stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.
Consumer complaint received 2018-12-20
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: EQUIFAX, INC. (NJ)

According to my recent credit report request from XXXX there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & XXXX  VIOLATION  COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of  the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX XXXX XXXX Account # XXXX THIS ACCOUNT DOES NOT BELONG TO ME AND THE CREDITOR HAS NO SIGNED AGREEMENT WITH ME PLEASE REMOVE THIS ACCOUNT OFF OF MY CREDIT REPORT XXXX XXXX Account # XXXX Contact Information : XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX ( XXXX ) XXXX THIS ACCOUNT DOES NOT BELONG TO ME AND THE CREDITOR HAS NO SIGNED AGREEMENT WITH ME PLEASE REMOVE THIS ACCOUNT OFF OF MY CREDIT REPORT XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX ( XXXX ) XXXX THIS ACCOUNT DOES NOT BELONG TO ME AND THE CREDITOR HAS NO SIGNED AGREEMENT WITH ME PLEASE REMOVE THIS ACCOUNT OFF OF MY CREDIT REPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX ( XXXX ) XXXX THIS ACCOUNT DOES NOT BELONG TO ME AND THE CREDITOR HAS NO SIGNED AGREEMENT WITH ME PLEASE REMOVE THIS ACCOUNT OFF OF MY CREDIT REPORT
Consumer complaint received 2024-03-18
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Harpeth Financial Services, LLC (TN)

I took out a loan with Advance Financial in XX/XX/XXXX and put up my car title as collateral. I was going through a rough patch and got laid off from work and could not complete the payments. I ended up filing XXXX XXXX  bankruptcy to try to get back on track. The loan was included in the bankruptcy that I filed in XX/XX/XXXX. They took the car for the balance of the loan. I never heard anything else about the loan until now. I got sent papers to go to court suing me for {$5000.00} for the balance of the loan {$6700.00} with lawyer fees. I don't understand how they can come back on me after taking my car and claiming them on my bankruptcy. I also checked this has been over XXXX years ago. In the state of Tennessee this is beyond the statue of limitations for this kind of debt.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Freedom Mortgage Company (FL)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681section 602 states I have the right to privacy 15 USC 1681 section 604 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666Ba creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2024-03-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: MoneyLion Inc. (CA)

Used my MoneyLion debit card at a Motel on XXXX. My total at checking was {$67.00} with tax as the motel doesnt charge a deposit. 

Instead of the {$67.00} charge, MoneyLion added an additional {$13.00} without my knowledge, or consent. 

I contacted customer service and they are demanding, abrasive and rude. 

1. The company is not disclosing that a 20 % charge is added to the authorization. 

2. The company is using Credit Card on its website and they do not issue a credit card. MoneyLion on offers a debit card. 

3. Customer service is abusive. They hang up on customers if you ask any questions. 

4. Company will not disclose any policies. They will not assist with these policies. They would rather XXXX  customers. 

5. Company is being sued by the CFPB for cheating consumers, along with our military members. 

6. Company has over 3758 complaints with the XXXX  with an F rating. 

7. On the XXXX loans, when we go to accept the loan, you can choose to leave a tip. If you choose to not leave a tip, the website still adds a tip without your knowledge or approval. 

MoneyLion is a public company. They disregard any of the laws in the United States to protect consumers.
Consumer complaint received 2023-09-22
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. (RI)

I opened XXXXXXXX XXXX XXXX  and made minimal transactions, which I immediately paid in full after every purchase made. My last purchase was less than {$25.00} back in XXXX  which I paid in full. Since XXXX I have been assessed {$6.00} every month with {$40.00} late fees and {$99.00} annual fee. I have paid beyond so much in fees totally far more than my total transactions ever made with this credit card. To add insult to injury I was reported 90 days delinquent to the credit bureau. These reporting have drastically lowered my credit score and has decreased my available limit with other creditors. 
I feel I have been punished to the max for a credit card I do not use and do not owe for an actual purchase. XXXX activity since XXXX  I am a single mother that worked hard to repair my credit and I recently purchased a 2 family home. I restored my credit and excellent payment history. 
XXXX  XXXX  who is with the XXXX XXXX XXXX has ruined my credit and have taken substantial amount of money consisting of ONLY fees. I stopped receiving calls and I recently realized I was reported 90 days past due.
Consumer complaint received 2024-03-17
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: Freedom Mortgage Company (CA)

I always pay our mortgage on the XXXX of the month. except in XX/XX/XXXX I was in the hospital and paid it on the XXXX of the month. I paid the late fee. 

On XX/XX/XXXX I contacted Freedom Mortgage to see if there could be a grace for the late payment in XXXX and was told since I had already paid I could not receive the money but it could go to the principal. That was wonderful. Then I paid XXXX 's payment. 

We have used Freedom Mortgage for 9 years, not just the length of this loan. During the entire length of our loans we have used the same banking account to pay our mortgage. 

On XX/XX/XXXX I was taken aback by receiving a letter that my XXXX payment did not go through due to an account issue. I have always used the same account to pay my mortgage. When I called on XX/XX/XXXX it took her 30 seconds to figure out that three of the numbers were repeated in the sequence and that is why it wouldn't clear our bank. However, she had our correct banking information right in front of her. Our banking account information is clearly on file. 

This has caused our credit scores to drop from XXXX to XXXX in one day as Freedom Mortgage reported that we were not only 30 days late for XXXX, but we also had note paid XXXX, I paid XXXX 's payment in full on the phone call on XX/XX/XXXX at the time I first became aware there was a problem. We received a letter in the mail on XX/XX/XXXX that stated that our payment was returned due to processing error. We did not receive any phone calls or anything prior to that which would have allowed us to correct the issue and not have a payment that is 30 days late thereby ruining our credit. 
We then received another letter that stated that they were unable to get ahold of us. They have our phone numbers, emails and text capabilities. None of those avenues were used to let us know that there was a processing error. We would have taken care of it the same day..
Consumer complaint received 2023-09-22
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Problem with customer service — 
Company: WELLS FARGO & COMPANY (IL)

I have gave Wells Fargo all my Documents that they needed numerous times and spent so much money on faxes at XXXX. I was willing to make some arrangements so I can hold on to my home until my younger XXXX Graduates XXXX XXXX. She is a junior now. Then I would down size and look for something smaller. As, of now, I have been going through some medical problems from the accident I had with my bike a few years ago. I am trying to work from home. I have Interviews this week. I just want to save my home for a little longer so my kids are not traumatized anymore from all the family we have lost. They went through enough. Losing our family home would put a damper on us All. Please find it in your heart to help us with some assistance. I'm willing to work with you guys if you can help my family and myself stay here a little longer. Thank you.
Consumer complaint received 2023-08-30
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: Experian Information Solutions Inc. (CA)

The listed accounts below are still showing late payments on my credit report despite the multiple letters and appeals sent to Experian. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or a customer service representative. Please UPDATE these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

Chase closed my checking account with a positive balance. My account had a negative balance. On XX/XX/XXXX I contacted Chase to let them know I was aware of the negative balance of about {$100.00} ( mostly NSF fees ). I let Chase know that my direct deposit would hit within 2 weeks. On XX/XX/XXXX, I received confirmation that my direct deposit had posted. I also received confirmation that the payment to my Chase credit card that I had set up for XX/XX/XXXXXXXX  was successfully deducted from my checking account. The next day I tried to make a purchase and found out that chase had closed the account. I called customer service and they told me to call the collections department. I was never told that my account was in collections. All I had received was a text message or an email reminding me of the overdraft, which prompted me to contact Chase on XXXX. Anyways I called the collections department and was lied to that the account was closed on XX/XX/XXXX. It was still open on XX/XX/XXXXXXXX  and my direct deposit posted. It was still open on XX/XX/XXXXXXXX  when my credit card payment was deducted. After the account closed, Chase reversed the payment that had posed on my credit card account and immediately charged me {$29.00} for non payment. The payment was made and Chase was still holding XXXX of dollars hostage. I told Chase I would not pay the {$29.00} late fee because I wasn't late. The collections team arrogantly informed me that as a result of the closure I would not be able to open another account. They should have informed me on XX/XX/XXXXXXXX  and I would have opened a new account and set up my direct deposit to go through that account. I had to wait for days to get the money that Chase held hostage for no good reasons. The lady in collections also lied saying that I was a bad customer with multiple accounts closed. Last year or in XXXX, I closed one of my accounts myself. It was a prepaid account that I used for online purchases on sites I didn't trust. Chase converted that account into a checking account. Since I already had a checking account, I asked Chase to close it, because I didn't want to continue paying {$1200.00} a month for an empty account. That doesn't make me a bad client. I also remember that my savings account was converted into a checking account that I didn't need and was closed with a {$39.00} balance or less. These were fees that Chase had put on the account. I've been banking with Chase for decades. But it looks like unless you are a drug dealer or money launderer with millions, Chase doesn't care if you have food on XXXX. It's ridiculous that my account was closed for less than {$100.00} even though I contacted Chase to let them know money was coming in and the account had a positive balance when it was closed.
Consumer complaint received 2024-04-19
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. (TX)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this item listed below for me to ensure accuracy. 

XXXX XXXX XXXX, Account # XXXX