davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-14
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Neighborhood Capital Funding, Inc. (DE)

Affiliate mortgage began servicing my loan from XXXX XXXX  on XX/XX/2024. I never received a correspondence from them regarding my loan, I found out through XXXX XXXX. 
I tried to call Affiliate mortgage servicing to get my new account information and could not reach an agent until XX/XX/2024 after leaving several voicemails, an agent returned my call. At this point I have already received a $ XXXX late fee. 
I got a statement in the mail for XXXX, stating I owed XXXX payment when it should just be the XXXX payment. I have been trying to get an agent on the phone but affiliate mortgage DOES NOT answer their phone at all. Their number given is : XXXX ( XXXX ) XXXX. You can call them a thousand times in a day during their business hours and you will never receive a call back. This has cause a lot of confusion and late fees to be accumulated on my account because I can not get clarification on what is really due.
Consumer complaint received 2024-05-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC. (CA)

Ally bank erroneously flagged a transfer to our XXXX XXXX XXXX account as fraudulent. They recognized their error and concluded their investigation. XXXX XXXX XXXX subsequently closed our account due to Ally Banks erroneous initial assessment of a transaction. XXXX XXXX XXXX will not release our funding until Ally Bank submits a letter resending a request for indemnification, which they have not produced as of today. As a result, our money has been frozen in suspense with XXXX XXXX XXXX who said they have repeatedly reached out to XXXXXXXX XXXX and have heard nothing back. This delay is causing material damage to our company. Ally needs to respond to XXXX XXXX XXXX with the requested documentation immediately. They were the cause of the problem through their erroneous and sloppy classification of a transaction as fraudulent which both banks have already determined it was not. Now, the only remaining step is to send that letter, which they are incapable of doing in a timely manner.
Consumer complaint received 2023-03-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC (MI)

My credit score dropped because I apparently have an account with them when I dont. I also found out they are located in NJ when I live in MI. I saw this during the winter season of 2022 because thats when my credit score dropped and started receiving messages and its also on my bank account in category that shows me who I owe money to.
Consumer complaint received 2024-05-14
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (GA)

CareCredit Rewards, offered by Sychrony Bank offers Promotional and Non-Promotional ( or purchases ) balances. There is no listing for a balance on Non-Promotional balances. For Promotional balances you must go to their website to get the information. Each month we pay more that the monthly amount to pay the Non-Promotional. They informed me today ( XX/XX/year> ) that " the system '' puts all amounts toward promotional amounts. The consumer must call each month after each payment and advise they would like money paid towards their purchases, trusting that this will be done by the customer service agent. 

This incurs a balance on purchases that does not show on the monthly statement and the consumer ( me/us ) are not aware of. So, each month we incur $ XXXX for interest. 

This practice is not in any paperwork. I confirmed this with their customer service today.
Consumer complaint received 2024-05-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: STATE EMPLOYEES CREDIT UNION (NC)

I am writing this letter in order to request your help and understanding. Back in XXXX, XXXX [ when the negative items was listed ], I lost my job and made a couple of late payments, even though I hated paying late. I do feel bad about it even now. However, I did get current on the account ( listed above ) as soon as my financial standing improved. I have in fact made timely payments since then. I've been working hard to make financially responsible decisions and get better control of my money. 

I am now buying a home but having difficulty in receiving an affordable mortgage rate due to the negative listing on my credit report. Thereby, I would request you to kindly remove this negative item as a gesture of goodwill. Your kind gesture would be sincerely appreciated.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (WI)

In XX/XX/2021 I closed an account with XXXX XXXX and experian is refuses to correct the issue on my experian credit report The account should fall off of my experian credit report XX/XX/2031 not XX/XX/2033 The account with XXXX XXXX was closed XXXX XXXX
Consumer complaint received 2018-11-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (AZ)

I am a victim of Identity theft and have file a Identity Theft Report with the FTC and my local Sheriff Department. I have reported my personal information being stole do to my house being broken into. Afterwards I notice accounts on my credit report that don't belong to me. I have never recieved good and services for this company listed belong. 

I C SYSTEM INC XXXX This collection is the result of Identity theft. Please Delete Immediately!
Consumer complaint received 2024-03-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CA)

They took XXXX months to take my loan out of forbearance aftertheir mistake of putting it in forbearance. By their rules if you apply for idr plan they will automatically place in forbearance..and they did the opposite. They made my payment due the same day!!!! No time. This will NOT count against me since they are all mohelas fault.
Consumer complaint received 2023-11-08
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. (NJ)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 A person shall 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 inaccurate.

This is violation after violation after violation. This is causing me stress because I have no hope with this system
Consumer complaint received 2023-06-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Avant Holding Company, Inc. (TX)

My first problem with Avant is my due date for my bill was assigned to me. I asked the company to change my billing due date stating that this was an inconvenience. The company would not change my billing due date stating it doesn't matter that they don't charge late fees. Upon going to pay my bill on the XXXX of XXXX I noticed a {$25.00} late fee. I emailed asking for this lady to be removed because I was told that there are no late fees If I pay within the first 5 days. Also I asked for a credit line increase. I was told that my credit line increase was denied because my credit was Frozen. At the time I applied my credit file was not frozen. I made sure it was not frozen and I was told to go back and reapply again when I applied it said that it was too close to the previous time I applied. Why would they tell me to reapply knowing that it would be denied a second time because it was too close. This is a violation of the fair lending act. I should not have a late fee because I asked for my due date to be changed and I paid within the 5-day limit. I also as for credit line increase. And I get every excuse in the book after apparently a staff member gave me the wrong information. Fix it or we can go to arbitration!
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX  accordance with the Fair Credit Reporting act 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 an account without my written instructions also resold the debt but the debt is paid in full. the car was apart of a crime hit in run and the person was caught but my insurance paid the car off but they didnt revise the promo code for the car to make the balance good that over charge me for the car XXXX was paid to them gap denied the claim because of lack of communication with gap they do they part as time allowed I lost my job and home due to this issues with XXXX XXXX would like a settlement of XXXX to resolve my hardship been XXXX  ever since.
Consumer complaint received 2024-05-15
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (TX)

I have an account with Citi and my credit limit was reduced from {$12000.00} to {$5400.00}. I called the company and spoke with a supervisor who told me because I have delinquent accounts on my credit report. I told him the information was incorrect. The told me to call the credit bureau. The email from Citi stated ( Please note, other than providing information, the reporting agency played no part in our decision and is unable to supply the specific reasons why we decreased your credit limit ). So, why did he lie and said the credit bureau was showing delinquent accounts. I don't have the supervisors name, but I didn't like the manner in which he spoke to me. He clearly stated it was because of my credit bureau. I had just reviewed my XXXX credit file and there were no delinquent accounts on my file. The supervisor then says, he can submit a request to have my credit limit reinstated. He wanted to know my income and if I didn't disclose my income. The reinstatement could not be submitted. I told him I was not because my account should not have been adjusted. He stated, they wanted to know my income to verify if I would be able to make my payments. I have not missed a payment with Citi or any of my other accounts on my credit file. This was unjustly done, and I was first talked to badly by the representative and the supervisor. Trying to explain the information they are giving me is incorrect. I was talked to like I was XXXX. I take my credit very seriously and I would not have called if the information was incorrect. I have another account with Citi and was just given a credit increasement. This makes no sense. This is discrimination.
Consumer complaint received 2023-11-08
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. (GA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 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 1681c. ( 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. 1681s-2 ( A ) ( 1 ) A person shall 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 inaccurate.
Consumer complaint received 2023-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

Experian, XXXX and XXXX continually have reported closing balances incorrect and have not adjusted my credit score accordingly. These cards are paid down extremely fast each month and my credit score is not reflecting the current balance each month! Please have this corrected, because it is affecting my ability to get a low interest rate loan. I have attached documentation that reflects balances as of XX/XX/2023.
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act 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 2023-08-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I got paid yesterday XX/XX/2023 and everything was fine. I woke up the next morning trying to log in to my banking app and it kept giving this error of username and password not found and my account was locked. I called the bank and they said that corp had decided to end the relationship with me and closed my account with no explanation. I have bills. Rent and car payment due and I can't even access my own money. They put in a request for me to access my money faster but even that can take days. I'm so upset!! They waited until my direct deposit hit to do this. After all the fraud I've dealt with them for the last 2 years. People making checking accounts under my name in different states and money being taken out of my account by scammer. I've been sent several different debit card within the last couple months because of fraud and then they close my account? This is XXXX!
Consumer complaint received 2021-03-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO. (GA)

Upon receiving my recent Credit report, I have found information regarding debt that is being claimed against me. 
I've been working diligently to improve my credit, despite having difficulties with collection agencies in the past. I've done my research on debt collection practices and how to manage my personal finances better. I've been saving for quite some time to pay off my accounts and finally did. This was difficult as the collectors were unwilling to work with me at times. That said I was able to pay off the accounts by starting with a new slate on my credit. The collection agencies in question have not removed the accounts from my credit report yet the rest being damaged because of it. They informed me that they would stop reporting the accounts but haven't.
Consumer complaint received 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
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 2023-08-10
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: FC HoldCo LLC (MO)

My XXXX XXXX was repossessed on XX/XX/XXXX with out any notice from Flagship. I never got any notification in writing, with emails, or by phone. When they did call they did not leave a message. My husband is on the loan as a co-signer and he was not notified either. When I go onto my online account it says nothing about it being repossessed and or having to make a payment by a certain date. It states that I have until XX/XX/XXXX to make a payment. So now I am left with out a vehicle and no way to work or to get anywhere.
Consumer complaint received 2023-11-08
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. (GA)

There is information on my consumer report that is identity theft. I did not provide written permission or instruction with a wet signature for these transactions to be reported on my consumer report. I reached out to you recently to fix these! I'm requesting that this info to be blocked and deleted ASAP.. You have caused me mental and financial stress when you issued an items that does not belong to me and in which I am not responsible for. I'm seeking litigation if this complaint is not being handled accordingly. I have not been able to purchase my dream house and provide for my family needs due to these fake, inaccurate and fraudulent items showing on my credit record. I attached a letter that I previously sent.
Consumer complaint received 2024-05-15
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Continental Finance Company, LLC (OH)

Continental Finance llc reniged on there promotion offer of 6 months of on time payments would increase credit line to XXXX from XXXX tried to say I was late on a payment by XXXX days which is not true there was a pmt on time but some prossing error on there behalf which they blamed me for of course to get out of there commint offer of course!
Consumer complaint received 2023-08-03
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. (KY)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or list of inquiries 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 1681c. ( 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. 1681s-2 ( A ) ( 1 ) A person shall 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 inaccurate.
Consumer complaint received 2023-11-08
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. (NC)

I have tried to fix this issue by reporting this inaccurate information. These affect my personal life & cause me mental stress. I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items showing on my consumer reports. They do not belong to me, I did not consent to any of this information to be reported on my consumer report. I'm a victim of identity theft. I have attached my letter along with the ftc report. If this situation is not handled accordingly, i will seek legal action against you guys.
Consumer complaint received 2018-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IN)

u have 5 paid ahead on my cbt acccts that u are reporting as deliquent or mis reporting all and 3 i never head of and dont ahve accoutns with the n the issue of some cr one selling my acct and the company rsnv is fraud and theft i have paid and they ahve not paid and taken funds i will never pay them ever they need removed and investigated report the 30 years of my pervect credit not the 3 companys i dont ahve never heard of and that are fraud on my cbt b before i file lawsuit on experian for mis reporting u donot ahve my permission to share any of my info bexase u ahve XXXX  up my files and the othere ageXXXXnxys ahve it right thtas why i wont us exparian in my business of 30 eyars cc my attorneys Account Name IA FRAUD AND I I WIL NEVER PAY AOMWONW I SONBT KKNO OR USE THEY ARE NEVER BEING PAID AGAIN LXXXX XXXX XXXX  Original Creditor XXXX XXXX XXXX XXXX.

Open DateXX/XX/2018 Balance {$1100.00} Debt {$1100.00} Contact Information XXXX XXXX XXXX XXXX SC XXXX, ( XXXX ) XXXX
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

I have noticed inaccuracies on my report. I have made these inaccuracies known to Experian. Nothing has been corrected and Experian has claimed to have investigated and verified the accuracy of the information. I have filed complaint # XXXX with the CFPB on XX/XX/2023 which Experian has ignored for almost 2 months. The accounts on my report are incorrect and are adversely affecting my livelihood and have caused me severe damages. XXXX XXXX XXXX XXXX XXXX XXXX, # XXXX, # XXXX, # XXXX, # XXXX. Experian has been intentionally allowing this harm to come to my name by giving me false statements of verification and reinvestigation when the information was never validated and has been reporting misleading and false information since Experian has allowed such to exist on my report.