davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-02
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (TX)

Approximately XX/XX/XXXX, I had gone to the XXXX, Tx Lowe 's to purchase an XXXX  XXXX 's BBQ grill. The sales associate that helped me with the purchase explained the benefits of using Synchrony Bank credit for this purchase. The application was completed and I was approved. A temporary card was issued and I used it for this purchase ( Account XXXX XXXX XXXX XXXX XXXX ). Further, I had no intention of using the card, so it was put away in a drawer. 
Shortly thereafter, I received the Lowe 's statement and elected to pay it in full in the amount of $ XXXXUSD by XXXX XXXX XXXX XXXX check # XXXX. This card was not used for any additional charges. 

In the spring of XXXX, I noticed correspondence that I initially dismissed as I had not made any purchases using that line of credit. When I contacted Synchrony Bank concerning this account, they were unable to provide any information concerning the new charges. I stated that I had made no purchases beyond the initial purchase in XX/XX/XXXX and if this account was being used fraud gently, that the account be closed and NO cards were to be issued for any reason. 

XXXX XX/XX/XXXX Synchrony Bank issued a letter indicating they were examining the situation. 

XXXX XX/XX/XXXX Synchrony Bank issued a letter that I was cleared of whatever charges there were and that I had not made the purchase in question. 

In addition, a second card ( Account XXXX XXXX XXXX XXXX XXXX ) that I was not aware of was received in the spring of XXXX. And it is on this account that unknown charges were made too. I have received no documentation other than a demand for payment. 

Sychrony Bank admits that a charge of {$480.00} was made in XX/XX/XXXX and was paid in full in XX/XX/XXXX with no additional activity.
Consumer complaint received 2024-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (CA)

I have past-due / missed payment on my account because of MOHELA mismanagement. 

On XX/XX/XXXX, I was informed by MOHELA via phone that my account was placed on administrative forbearance from XXXX through XX/XX/XXXX because I didnt received my XXXX billing statement 21 days prior to payment due date. I was told my first payment wont be due until XX/XX/XXXX. This message was also on my account alerts and played on recorded message whenever I called MOHELA. 

My MOHELA account showed that I had a payment due on XX/XX/XXXX but I never received a billing statement for that month. Meanwhile my account still show alert about forbearance mentioned above. I called about this issue on XX/XX/XXXX and XX/XX/XXXX. I was advised to ignore the due payment. On XX/XX/XXXX, the agent informed me she did not see my account displaying administrative forbearance for XXXX but she can see the same account alert I receive. The agent told she placed an expedited request to have this issue fix and the XX/XX/XXXX payment due would be retroactively remove by XX/XX/XXXX. 

I called again on XX/XX/XXXX regarding overdue payment and was told itll take XXXX business days for administrative forbearance to show for my XXXX and overdue payment be removed. On XX/XX/XXXX, I also received an email from MOHELA, informing for the first time that Please note, your forbearance may not go through the end of XXXX if there were other changes that have occurred on your account. This could be a result of activities such as application processing, your request to have the forbearance removed, or other actions. Please closely review your billing statements and notifications for your latest account status. This is the first time learning about this. I had requested my SAVE amount recalculated in XXXX, which was completed in XX/XX/XXXX. 

I called again on XX/XX/XXXX and am now told the request placed on XX/XX/XXXX could take 7-10 business days. Today is at least 10 business days from XX/XX/XXXX and the issue is still not resolved. I tried calling today to speak to supervisor but received automated message saying I would receive a call back but I never did. I made a payment yesterday for my overdue XX/XX/XXXX bill and am making another payment tomorrow for XX/XX/XXXX bill.
Consumer complaint received 2024-04-07
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. (NY)

this was not sent in error, and not a material misrepresentation PROCESS THE DISPUTE See attachments I did not consent to, authorize nor benet from any of the following inquiries. Block and remove them.
Consumer complaint received 2024-04-10
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Atlanticus Services Corporation (UT)

XXXX ) On XX/XX/XXXX I received a notice from Aspire that they were changing the terms and conditions of my account XXXX and that as of XX/XX/XXXX my account would be charged an annual fee of {$60.00} ( charged at {$5.00} per month ). 

XXXX ) I replied to their contact email and told them that I did not agree to the change of terms and asked them to cancel the account immediately. 

XXXX ) By XX/XX/XXXX I had received no reply to my email, so I mailed a written notice ( to Aspire Credit Card, XXXX XXXX XXXX, XXXX, XXXX  XXXX ) informing them that I had emailed, had received no reply, that I wanted the account closed immediately and asked for them to email or mail a confirmation that the account had been closed. I also explained that if they did not close my account per my request, I would make an official complaint. 

XXXX ) On XX/XX/XXXX I received an email back from Aspire asking me to call XXXX in order to reject the changes, after which they warned me that I would not be able to use the account. 

XXXX ) I immediately replied the same day XX/XX/XXXX that I disagree with being required to call them, that I have asked for cancellation of the account both by email and in writing by mail and again warned them that if they did not close the account, that I would file an official complaint. 

XXXX ) On XX/XX/XXXX they responded that they would not close my account unless I call. 

XXXX ) Their requirement for a phone call violates the Americans with Disabilities Act. I can not hear well enough to have a coherent phone call. They received my letter and my email, they were made well aware that I wanted the account closed immediately. 

XXXX ) Today I received an email notification that I have an account statement due and I have a {$5.00} payment due by XX/XX/XXXX ( their monthly payment towards the annual fee which I already notified them that I didn't agree with ). 

I will not pay this fee, as I have already expressed my disagreement and desire for cancellation of the account. If they do not refund the fee and cancel the account, and furthermore if they make any negative report on my credit history I will sue for violation of the XXXX and for failing to close my account per my instruction which they acknowledge that they did receive. 

XXXX XXXX XXXX. A pdf copy of my written request to close the account from XX/XX/XXXX is attached for review.
Consumer complaint received 2024-04-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see XXXX XXXX ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2023-12-07
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: JPMORGAN CHASE & CO. (AL)

I've been trying to get hard inquires off my credit report throughout this whole year and the credit bureaus haven't been any help on the phone, mail, and online. From my knowledge my credit report have been frozen/locked since the beginning of the year, and company 's are still accessing my credit. The hard inquires are JPMCB CARD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-13
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. (TX)

I was a victim of ID Theft. There are inquiries on my Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. 
The inquiries are : XXXXXXXX XXXX  Banks and XXXX XXXX XXXX XXXX TransUnion XXXXXXXX XXXXXXXX Banks and XXXX XXXX XXXX XXXX TransUnion XXXXXXXX XXXX XXXX and XXXX XXXX XXXX XXXX TransUnion XXXXXXXX XXXX Banks and XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX, personal XX/XX/XXXX TransUnion XXXX XXXX XXXX other than personal XX/XX/XXXX TransUnion XXXX XXXX XXXX other than personal XX/XX/XXXX TransUnion XXXX XXXX, personal XX/XX/XXXX TransUnion
Consumer complaint received 2024-03-15
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/2024 at XXXX XXXX and again at XXXX XXXX I got an email stating that a request to recover my capital one username was made. I did not make this request, and called capital one to report the fraud. Today, XX/XX/2024 capital one called me to ask if I submitted an application for another credit card. I informed them that I did not make this request and that this is fraud. They stated that they would cancel the application and flag it as fraud, and that I should file a report with the XXXX.
Consumer complaint received 2024-04-10
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL (TX)

Synchrony is bad to do close accounts and entrap consumers while tanking their credit. Fortunately, this last time they did this, I just paid off all balances AND THEN THEY DROPPED THE AVAILABLE LINE TO NEAR NOTHING. They are a monopoly and people end up forced to use them through retailers. They need investigated because I would bet they are violating many consumer laws, manipulating credit to increase levy higher interest, as well as monopolistic tactics where they become so necessarily utilized they are a powerful corrupt force in the economy. If left unchecked, by the time their corruption has grown, it will be difficult stop the destruction caused amongst both consumer population and competing financial institutions. I just hope others rise up and take a stand, telling of the manipulative practices that gouge the average and unsuspected consumer. I can say SYNCHRONY IS THE ONLY CREDIT LINE THAT IVE SEEN THIS CONSISTENTLY. Others such as Citi, XXXX XXXX, etc this type of behavior has NEVER occurred. Theyre a snare in the American economy and if I could give negative stars, I would. They would fare best for ANY OTHER FINANCIAL INSTITUTION TO ASSUME THEM, in fact I THINK THE FEDERAL GOVERNMENT NEEDS TO MAINTAIN ALL SYNCHRONY BUSINESS. We would actually all be better off in the long run. Theyre crooked ; Ive never seen any other legitimate credit lines of same caliber. BEWARE AND BOYCOTT SYNCHRONY. THEY ARE BIAS AND DISCRIMINATORY FOR GREED/PROFIT.
Consumer complaint received 2023-06-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.
Consumer complaint received 2024-04-10
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: National Financial LLC (MD)

My name is XXXX XXXX, I got a payday loan In XX/XX/XXXX or XXXX 2024 for XXXX XXXX I had a big emergency with my truck. I agreed to pay the loan back and I have been paying on it every payday since I received the loan. Well Today I sent them a message as I always do, asking for an arrangement to skip XXXX payments and pay all XXXX payments on the XXXX of XXXX, well I was sent back a very rude threatening message from XXXX saying that they would file suit against me in court and garnish my wages. All because I asked for a payment arrangement. She sent the message in caps and explanation points. So I responded to her letting her know that I'm not asking not to pay I'm asking for an arrangement. I am already paying over the XXXX $ amount at paying XXXX $ a month for a XXXX $ I should be almost paid back but no they are charging predatory interest rates. So I am still going to pay what I owe but I needed a payment arrangement. Now I am being threatened. I would like to speak to someone else in the company, because I wasn't rude or disrespectful, with anyone. I didnt know you could not set up payment arrangements.
Consumer complaint received 2023-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

XXXX XXXX  XXXX - XX/XX/XXXX - I did not authorize this inquiry? - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX - XX/XX/XXXX - I did not authorize this inquiry? - The following inquiry was not authorized and should not be reporting. 

Incorrect Address - XXXX XXXX  XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX - The personal data reporting is inaccurate. 


XXXX XXXX XXXX XXXX XXXXXXXX - XXXX
Consumer complaint received 2023-04-28
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (NM)

Hello, Reference complaint XXXX which has been responded to but the company ( NewRez LLC - XXXX XXXX XXXX XXXX ) has not done what it said it did. 

I am owed a refund of {$420.00} for an appraisal fee. The company ( NewRez LLC - XXXX XXXX XXXX XXXX ) states that a refund of {$420.00} was sent to my original charged credit card on XX/XX/2023. 

I contacted my bank ( XXXX XXXX XXXX XXXX XXXX XXXX ) which has no record of the transaction. ( NewRez LLC XXXX XXXX XXXX XXXX XXXX ) claims. While they provided a copy of a credit voucher receipt which I provided to my bank. As stated XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  can find no record of that transaction. 
This leads to the possibility of one of two conclusions : 1. ) NewRez LLC is claiming a transaction and has provided a receipt either in error or on purpose to support the claim of a refund that did not occur.

2. ) The refund in question was sent to another account by mistake.

I contacted NewRez LLC after having provided the receipt to my bank and my bank stating they could not find that transaction.

I asked via email that NewRez LL ( Customer Advocacy ) to verify the supposed credit voucher was sent to the correct account.

I have received no reply from NewRez LLC over that request. I can only conclude that NewRez LLC believes they don't have to respond. 

That is why i am filing this updated complaint to the original one ( XXXX ). 

As before I can not count on NewRez LLC to respond in good faith unless a complaint is filed with CFPB.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Child Support Recovery Services, Inc. (MD)

I have filed numerous complaints regarding this company and its unethical practices, over the last thirty ( XXXX ) days, but to no avail. If the trade-line ( XXXX ) XXXX not removed within the next XXXX hours, further actions will be pursued, swiftly and vigorously, until justice is served!!
Consumer complaint received 2024-03-28
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: M&T BANK CORPORATION (CT)

I have tried to apply to refinance my existing car loan. I have been declined for credit due to an excessive DTI ratio. I was declined for credit all together or given less favorable and affordable options. The reason for the excessive DTI ratio is due to the error of M & T Bank. My conventional mortgage was originally issued as a joint mortgage with my spouse. It is currently listed with only myself as the borrower. This removal of my spouse has created a problem for me based upon what is being reported to the credit bureaus. I would like to be able to follow through with being able to receive credit without being discriminated against due to an error in reporting from the existing mortgage lender, M & T Bank. My inability to refinance my car is now causing an issue for me to not be able to get a good rate and lower payment. This has caused a financial hardship for me.
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Source Receivables Management LLC (NY)

I am writing to dispute a collection account that appears on my credit report. The account in question is listed as Source Receivable Manager with a balance of {$810.00}. I believe that this information is inaccurate and I request that it be removed from my credit report. 

I am requesting a thorough investigation into this matter and ask that you provide me with a written explanation of the results of your investigation. If it is determined that the collection account is indeed inaccurate, I request that it be promptly removed from my credit report. 

I understand that the Fair Credit Reporting Act requires credit reporting agencies to investigate disputes within 30 days of receiving them. I trust that you will conduct a fair and timely investigation into this matter. 

Thank you for your attention to this dispute. Please feel free to contact me if you require any additional information.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (FL)

On XXXX, I took the lease vehicle to the Infiniti dealership located at XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX. Then, I received the Federal Odometer/Lease Termination Letter which is pretty much blank and missing a lot of important information. Infiniti has been reporting this account incorrectly and they refuse to update credit agencies with accurate information. 
They sent me to a collection company which after their investigation and I also provided documents, the collection company agreed to stop their collections efforts and asked the credit agencies to delete this information. I have documents to proof. 
Collection got deleted from my credit reports, but Infiniti re opened the account and it still not providing the right documentation. They are reporting as open and late. This account was closed back on XXXX. 
Please help!
Consumer complaint received 2023-07-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (FL)

I am writing to address a concerning issue regarding my credit file. I have noticed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Additionally, I have serious doubts about the accuracy of the debt being claimed. Under the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Therefore, I kindly ask that you provide me with the necessary validation and take the necessary steps to resolve this matter.
Consumer complaint received 2023-12-19
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. (NJ)

I am a victim of identity theft and have made this clear to this company. 

I sent the XXXX  letter to them on XX/XX/2023, letting them know I am a victim of identity theft and that XXXX accounts were opened in my name. I went on to ask them to validate the accounts and remove them if they couldn't. 

I sent the XXXX  letter to them on XX/XX/2023, letting them know that I know they have XXXX  days to verify the disputed accounts and that I haven't heard from them yet. 

I sent the XXXX  letter to them on XX/XX/2023, letting them know that I still have not heard from them and that further action would be taken if they do not uphold the law in this matter. I told them that I fully intend to pursue litigation in accordance with the FCRA. 

I will be sending the XXXX  letter on XX/XX/2023, notifying them of my final written offer of settlement before litigation as my attempt to resolve their continued violation of the FCRA regarding their refusal to delete unverified information from my consumer profile. I will inform them that I intend to seek relief and monetary damages under FCRA section 616 and section 617, being that it has now been over 30 days with no verification results from them. 

I have also filed an Identity Theft Report with the Federal Trade Commission regarding this matter. 

At this point, I can not confirm if they have done a single thing to protect me and my credit.