davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-21
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL (NY)

To Whom It May Concern, I am writing to formally file a complaint regarding an issue I have encountered with a credit card provided by Synchrony Bank, specifically in relation to my purchase at PC Richard store. I believe that there has been a significant error and overcharging on my account. 

In XXXX XXXX XXXX, I made a purchase of a refrigerator at PC Richard store for a total amount of {$630.00}. I diligently made my payments, ensuring that the entire amount was paid off within XXXX  months from the date of purchase, as per the terms and conditions of the credit card agreement. 

However, upon reviewing my recent bank statements for the month of XX/XX/XXXX, I was shocked to discover that Synchrony Bank had imposed fees and interest charges that amounted to over {$450.00} for one interest category and an additional {$250.00} for another interest category. This was in direct contradiction to the terms of our agreement, as I had fulfilled my payment obligations within the stipulated XXXX period. 

Immediately upon discovering this discrepancy, I contacted Synchrony Bank 's customer service to rectify the issue. I provided them with a detailed explanation of the situation and requested that they review my account and remove the unwarranted fees and interest charges. However, to my dismay, the bank representatives declined my request and were unwilling to thoroughly investigate the matter. 

I believe that Synchrony Bank 's actions in imposing these fees and interest charges are not only unwarranted but also in direct violation of the agreed-upon terms. I have adhered to the terms of the credit agreement, and I am entitled to a refund for the overcharges, which total over {$500.00} in interest alone.

I kindly request that the Financial Consumer Bureau investigate this matter promptly and thoroughly. I seek resolution in the form of a refund for the erroneous fees and interest charges imposed on my account. I have attached relevant documents, including bank statements and payment records, to support my case. 

I appreciate your attention to this matter and your assistance in resolving this issue. Please do not hesitate to contact me if further information is required. 

Sincerely, DJ
Consumer complaint received 2018-12-20
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Public record information inaccurate
Company: Nelnet, Inc. (TX)

Neltnet Student loans are dismissed because Im on XXXX XXXX XXXX since XX/XX/2016. Bankruptcy from the court in XXXX XXXX, Texas that was dismissed in XX/XX/2012 still showing under public record. Its also making it difficult to obtain credit.
Consumer complaint received 2023-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

In accordance with the Fair Credit Reporting act XXXX XXXX account # ending in XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.
Consumer complaint received 2023-08-29
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)

I am submitting this complaint to EXPERIAN due to improper used of my report and reporting inaccurate information on my file. I sent them a letter requesting to have an investigation to the unverifiable accounts, they stated that they did a proper investigation however when I checked my report the inaccurate information such as date opened, date of last activity, date reported, accounts status and payment history are still reporting. 

My rights were violated under 15 U.S.C 1681 section 602 A that states that I have the right to privacy, and 15 U.S.C 1681 section 604 A Section 2 stated a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-08-29
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)

This is a request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts/inquiries : XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ; INQUIRIES : XXXX XXXX Inquiry Date XX/XX/XXXX and XXXX XXXX, XXXX XXXX XXXX Date XX/XX/XXXX.
Consumer complaint received 2023-09-07
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 appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. 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 DELETED immediately. 

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 XXXXXXXX
Consumer complaint received 2023-12-28
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. (CA)

I am writing to bring to your attention a matter of utmost importance regarding my credit report. I recently discovered that my personal information, compromised during the Equifax data breach, has been sold and purchased illegally. Despite Equifax acknowledging my status as a victim, I am facing challenges in rectifying the unauthorized accounts on my credit report. 

Equifax Incident reference # XXXX  Equifax breach claim # XXXX The unauthorized accounts I am requesting to be immediately removed from my credit report are as follows : XXXX. XXXX XXXX XXXX Acct # XXXX XXXX. XXXX XXXX XXXX Acct # XXXX Attached herewith is the evidence of Equifaxs acknowledgment of my victim status in the data breach. I am seeking your assistance in facilitating the removal of these illegitimate entries promptly to rectify the inaccuracies on my credit report.

I have made multiple attempts to resolve this issue directly with Equifax, but unfortunately, no action has been taken to correct the discrepancies. Your intervention is crucial in ensuring the protection of my consumer rights and the accuracy of my credit information.

Please find attached the following supporting documents : 1. Equifax acknowledgment of my victim status.

2. Any additional supporting documentation.

I appreciate your prompt attention to this matter and look forward to a swift resolution. If further information is required, please do not hesitate to contact me at XXXX Thank you for your assistance in rectifying this serious issue.
Consumer complaint received 2023-09-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc. (TX)

bought the car XX/XX/XXXX from XXXX XXXX XXXX XXXX first payment was to be XX/XX/XXXX. 
GM Financial reported to credit bureaus first payment was late and due XXXX. 
then they continued to call XXXX times a week and every month XX/XX/XXXX was when i requested a payment history and found that i had multiple payments made that had not been posted. 
I contacted GM Financial and provided them with XXXX payments that had not been applied to my account. they requested i send copies of conformation of payments made in an email. I scanned in all documents and sent the email to the address they provided. 
XX/XX/XXXX i received mail from GM Financial stating they are starting the process of reposing of the car. it was at that time i called to find out about the missing payments and what we need to do. they said i would have to refinance the car and they sent me paperwork at that time via email and told me to sign paperwork and said i would not have to worry about them calling me every day and my payment would not have to be made at that time for the rest of the month. 
i have been calling to find out why payments are missing but never get this issue resolved. i have submitted documentation multiple times and I am never contacted after providing everything requested. 
I had made arrangements with the auto dealership that after 1 year I could bring in the car and trade it in for a more suitable one but only after my credit was established. 
i was unable to fallow threw with the arrangements due to GM Financial reporting that I am behind on payments. 
This had been an inconvenience for our family. 
we have had to rent vehicles to continue with the responsibilities and obligations. 
I reviewed my credit report and found why I was not able to trade in the car for a more suitable vehicle for my family as scheduled at the time of purchase. 
as of today, i have not heard from GM Financial regarding any proof of payments I emailed in at their request. 
as of this year, my credit reports now reflect that i was never behind on payments and reflect all payments were made. 
THAT DOES NOT HELP ME NOW BECAUSE OF THE FALSE REPORTS ON MY CREDIT REPORT THEY CAUSED OUR FAMILY THE DENIAL OF A MORGAGE AND CAUSED LOSS OF INCOME BECAUSE I DO NOT HAVE THE MEANS OF HAULING A COOKER THAT IS USED TO RAISE MONEY FOR NON-PROFIT ORGANAZATIONS WITHIN THE COMMUNITY. 
I will upload supporting documents at a later date
Consumer complaint received 2023-12-04
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Unable to open an account
Company: BMO Bank, N.A. (MI)

On XX/XX/23 and XX/XX/23 I opened online CDs. The bank accepted my online app, deposit, and I became a customer. I have been attempting to open another but keep getting declined. Ive made 3 calls to resolve to no avail. Theyre obviously swamped with complaints as I was 123rd in line on Friday with about a 3 hour callback. The first two phone reps said it was an identity issue with their third party, XXXX, but couldnt give specifics because its proprietary info of XXXX. This flies in the face of the banks FDIC responsibilities to properly manage 3rd party relationships. I just got my XXXX report and there is no negative info and only the BMO inquiries. All 3 phone reps said there is no management over their process and no human intervention able to change the system process of approval or decline. The last rep said there was no headquarters for bank personnel involved in this process. While this is a consumer complaint, there appears to be much bigger safety & soundness governance concerns worthy of review by the banks primary federal regulator over this inept process.
Consumer complaint received 2023-08-29
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: WELLS FARGO & COMPANY (MD)

On XX/XX/2023 I received a letter dated XX/XX/2023, informing me that my loan will be transfer on XX/XX/2023. I reached out to the bank where I pay my mortgage at, in person and then to my home mortgage company by phone, on the morning of XX/XX/2023. I was giving verbal information of steps to take in order to stop and avoid the transfer. On XX/XX/2023 at XXXX AM I paid my loan off, over the phone, according to the information giving to me by my mortgage company. On XX/XX/2023 I received a letter from my mortgage company letting me know the service of my mortgage has been transferred to another mortgage company and showing my final escrow review balance. I also received two letters from my new mortgage company. One letter was welcoming me to the company and the other letter was a mortgage statement for payment in the amount of {$640.00} due on XX/XX/2023. On the morning of XX/XX/2023, I reached out to my previous mortgage company twice, with two different representatives. I was told there was nothing they could do, and I need to reach out to my new mortgage company. The calls ended with them letting me know that they understood me, and they were sorry. On the same morning, I reached out to my new mortgage company twice, with dissatisfying results. I asked to speak with someone in the payoff department and was told they didn't have one. The calls ended and I was not connected to the feedback serve as I indicated at the beginning of the call.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

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 2023-08-29
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. (MO)

Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.
Consumer complaint received 2018-12-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Data and Contact Management Solutions, LLC (GA)

My parents both passed away this year, my Dad just back in XX/XX/XXXX. Trying to do the right thing, I had XXXX XXXX close their credit card and send it to XXXX   Services, so that no further interest or penalties would accrue while we waited for the estate to go through Probate Court and were able to pay the {$390.00} owed. I did not realize I was signing up to be relentlessly harassed by vultures.

I spoke with one of XXXX XXXX agents, and let them know the situation and that we would pay as soon as we could, although we are not even legally obligated to. But my Dad raised us better than that. Since that point, I've received four letters and two more phone calls, in the evening, inconveniently at my toddlers bedtime no less, all in less than a month. The XXXX   Services agents are SO PUSHY and really insensitive to the fact that we are grieving family members with so many other other more important things we're already dealing with in regards to the deaths of our parents. It's disgusting what they are doing, they need to be shut down. Luckily I have a backbone and I know my legal rights in this situation, but think of how many sad, scared little old widows these vultures pretty upon. It's beyond unacceptable.
Consumer complaint received 2023-08-29
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. (NE)

I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Consumer complaint received 2023-12-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (WV)

15 USC 1681- Permissible Purposes ; Hard Inquiry for XXXX XXXX needs to be removed. 

A Charge Off is a Certificate of Indebtedness, which equals Income that can not be reported by the company. Removed Collections and Closed Accounts for : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX 

15 USC 6801-6805 ;
Consumer complaint received 2023-08-29
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. (CA)

Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.
Consumer complaint received 2023-08-29
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. (CO)

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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

Hey my name is XXXX XXXX XXXX I have recently discovered unauthorized fraudulent OPEN AND CLOSED ACCOUNTS and INQUIRIES on my Equifax, XXXX 's And XXXX credit report To whom it may concern : I am officially asking you to review your data on file for me! Per the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U.S.C. 1681 I ), I challenge all inaccuracies and deficiencies of reporting. Per the FCRA compliance standards, my profile shall be accurate and complete. Your verification of the information shall be timely, and you should be able to document and provide proof of your verification process of all the information within my credit report. The information in my credit report and below was never proven factual or compliantly reported. I have consumer rights, and I am deciding to exercise those rights to demand that factually accurate, verified, and compliant data be documented and included on my credit report. I also require the permanent removal of any inaccuracies immediately! I also demand that you investigate the source of each account and ensure that each creditor has a permissible purpose for all inquiries within my credit profile.
Consumer complaint received 2018-12-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (NJ)

On XX/XX/2018, I began the process of applying for a Citibank regular checking account and a Citi savings account. I applied as part of a promotion, which required me to maintain {$15000.00} in one or both accounts for 60 days in order to receive a bonus of {$400.00}. The bonus was supposed to post within 90 days of meeting that requirement. 

I deposited {$15000.00} on XX/XX/XXXX and left the money in place for over 60 days. ( 60 days was reached on XX/XX/XXXX and I transferred {$5000.00} out of Citibank on XX/XX/XXXX. ) On XX/XX/2018, 90 days had elapsed since meeting the 60-day requirement, and the {$400.00} bonus had still not been posted. I contacted Citibank customer service, who said they were initiating an inquiry. 

I have read a number of reports online from other individuals who had similar experiences and did not receive their promised bonus until they filed a CFPB complaint. Hence I am filing this complaint rather than waiting any longer on Citibank 's investigation. 

I am uploading several documents. One is the transcript of a chat I had online with a Citibank agent, confirming that the promotional offer is attached to my account. Another document is a PDF containing the terms of the promotion. Finally, I am uploading screenshots of my bank account, showing that I have fulfilled the terms of the promotion.
Consumer complaint received 2024-01-24
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: PENNYMAC LOAN SERVICES, LLC. (FL)

This company allowed a non XXXX XXXX, to steal the title on a XXXX mortgage from a veteran and help her commit insurance fraud after XXXX XXXX with the use of her XXXX XXXX XXXX Veteran, XXXX XXXX XXXX the property known as XXXX XXXX XXXX XXXX XXXX  XXXX, they made a deal With her instead of reporting her for XXXX. Make a XXXX veteran and his XXXX XXXX homeless and they shared the insurance money with her, after I showed them proof of the forged signatures.
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

XXXX XXXX reported an account that does not belong to me. 
I have requested proof of debt validation 1. Original Contract 2. Proof of Payment history 3. Debt Validation Nothing has been resolved and it continues to show up on my report