davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-25
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (CA)

On XX/XX/2024, I used my Synchrony Bank/Verizon Visa credit card to make a payment of {$4400.00} dollars. It was denied. Then, I got a message text from Synchrony Fraud Solutions/Verizon Visa asking me to answer Y if I was making that charge. I replied Y and got an answer to try again, which I did. It was declined once again. For this reason, I called Synchrony customer service at XXXX. After XXXX minutes on the call, the agent told me that the problem was at the merchant end and advised me to contact the merchant. I did and they advised me that Synchrony Bank was denying approval. So, I tried making the payment using a different credit card from a different bank. The payment was approved right away. This is indicative that Synchrony/Verizon Visa unfairly denied approving the payment/charge of {$4400.00} dollars. I feel I was discriminated against because I'm a responsible card holder that pays off my card 's balance in full every month to prevent paying interest charges. Synchrony/Verizon Visa would give me 3 % in rewards for this charge. This appears to be the reason they denied approving the charge.
Consumer complaint received 2023-08-15
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (AR)

Up until COVID, I was always on time with my mortgage. Once Covid hit, I got behind and they allowed me to do forbearance, not knowing it would for XXXX : take away my ability to pay online, making it harder to pay since I could only do it by phone and they wouldn't let me set up reoccuring payments by phone, and none of my banks have their information to sent it directly to them so I could set up auto pay. XXXX : End up hurting my credit the way it did. 

They also had a company come out and redo my loan for me, at my house and didn't give me much information to go on. 

After signing the paperwork, I thought everything was good with my current mortgage company, but apparently not, and I am now in foreclosure proceedings, with an auction date of XX/XX/2023. 

There is also a check for approximately {$450.00} out there that was sent back to me for a partial payment. I have not cashed it, have asked about it and no one has given me any information on it. I also filed this with a dispute in the amount owed to the mortgage companies attorneys, email sent XX/XX/2023 that was supposed to stop all proceedings until this was investigated, I have not heard a reply from them pertaining to this.
Consumer complaint received 2024-03-26
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: OneMain Finance Corporation (TX)

We've paid in over XXXX in payments yet they've only taken XXXX off the loan balance. 

Loan started XX/XX/2021 at XXXX... We've made 30 payments at over {$600.00} each time. Current balance is XXXX.
Consumer complaint received 2024-02-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/year> I used my Chase debit card to withdraw money on a XXXX XXXX XXXX atm located on XXXX XXXXXXXX XXXX, XXXX XXXX CA. 
In the first transacion that made I withdraw XXXX, the atm dispense the bills, but, I could'n reach the bills, so, by the time I unbuckle my seatbelt the atm toked the money back in. 
the screen star idling and then the word WAIT COMEOUT AND THE TRANSACION GOT CANCEL.I start another transaccion and I was able to get my money ( {$200.00} ) but when I checked my chase acct.it was 2 charges of {$200.00} on my XXXX per each transacion .I called Chase and made a claim, Chase refund the money pending an investigation and got denied.
Consumer complaint received 2024-04-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.
Consumer complaint received 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc. (MS)

My account with SELF FINANCIAL/ LEAD BANK was never late. I have had exceptional payment history SELF FINANCIAL /LEAD BANK and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment This was clearly a billing error made by the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 
I demand the late payment reported in XX/XX/2024, XX/XX/2024 to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

SELF FINANCIAL / LEAD BANK Never Sent the periodic statement along with the Disclosure from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I leased a vehicle from XXXX XXXX under account XXXX which was paid on time each month. The vehicle was turned in to XXXX XXXX at the end of the lease in accordance with their terms and conditions in XXXX. At the time of the turn in XXXX did not perform an inspection of the vehicle. Two months later XXXX sent me a bill for {$2900.00} claiming the veh had damages when I turned it in which isn't true. I asked for and was provided documentation outlining the damages. Upon review of the inspection report it was clear, due to the mileage, that the car was driven between the time I dropped it off and when the inspection report was done. I disputed the damages with XXXX, it is my contention that the damages occured while the car was in the care of XXXX XXXX. They are not able to prove the damages existed when I returned the vehicle. I also disputed damages to the taillight which were not actual damages but a manufacturing defect/seam in the plastic. I provided examples of other XXXX  with the same defect as well as documentation that the tailights of XXXX  have ongoing issues with this defect and it is widely known by XXXX that XXXX  of a certain time period suffer from this defect. Over three years later in late XXXX XXXX reported the balance on the damages to all 3 major credit bureaus. I pled my case on several occassions, but the credit bureaus continue to side with XXXX and will not take into account my side of the story, my photographs, or XXXX lack of evidence that the vehicle damages were present at the time I dropped off the vehicle.
Consumer complaint received 2024-04-26
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. (CT)

I recently reviewed again my XXXX, XXXX and TransUnion credit reports and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. You violated the 15 USC 1681n for reporting false information and without a permissible purposes.
Consumer complaint received 2023-08-03
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. (TX)

I am writing to file a complaint regarding inaccurate items on my credit report that are still reported in despite of my previous request and kindly request your assistance in getting them to delete. The inaccurate items are negatively affecting my creditworthiness and financial well-being, and I have been unsuccessful in resolving the matter with the credit reporting agency directly. I have attached my supporting documents for your reference, including correspondence with the credit reporting agency. The 3 credit bureaus should delete these fraudulent items : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: Inflection.com, Inc. (UT)

I believe I am a victim of a data breach, inflection employee errors, identity theft, fraud, credit mismatch and/or inaccurate/unverified and incomplete information. There have been more than 1 dispute sent to the credit furnisher asking for correction to my credit report. I have been ignored with no response more 1 time or more when I sent dispute via certified mail USPS tracking # XXXX Delivered XX/XX/XXXX, XXXX. I do not recognize this INACCURATE information. Please get these Items Deleted off my Credit Report ASAP! 


Here is the information to be removed XXXX XXXX XXXX XXXX : Record # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Record # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Record # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Record # XXXX Court Name XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-13
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (TX)

I believe that Citicard 's method of billing each month is deceptively hiding interest they are charging. Here is the problem. 
I have had Citicard 's Double Cash Back card for at least 10 years. I pay off my complete balance each month so that I do not incur interest. Then in XXXX, XXXX, they were offering a Flex Loan at a low interest rate that I took advantage of. The information indicated the monthly information on this loan would be included on my monthly credit card statement. Before taking out the loan, I questioned one of their representatives about these two forms of credit -- credit card and Flex Loan -- not being intermingled and was assured they would not be. Since taking out the loan, I have made the required monthly payment for the loan ( {$200.00} ) plus payments for the entire balance of credit card charges for that month. For the first time, on my bill dated XX/XX/XXXX, they have begun to charge interest on my credit card purchases, in addition to my Flex loan. When I called to ask them to explain that, they said that the credit card interest is based on what they call the " Adjusted New Balance '', which they said was the average credit balance for the month. So, my statement balance each month is a total of this " Adjusted New Balance '' and my Flex Loan Balance. This makes absolutely no sense. I have a personal budget that I work off of each month. Since I have no breakdown of how they calculate this " Adjusted New Balance '', I can no longer accurately breakdown my monthly bill based on my monthly charges because it no longer adds up that way.

What I conclude is that the difference between my actual charges for the month and the " Adjusted New Balance '' is actually interest they are charging me in addition to what is clearly shown on the bill as interest on the Flex loan and the " Adjusted New Balance ''. To me, this is very deceptive. Since they can not or will not give me the calculation for the Adjusted New Balance, I am going to quit using the credit card and just continue making the monthly payments on the Flex Loan. I will just take my credit card business elsewhere. But, I believe this is something that the CFPB should put a stop to. It has not been industry practice in my past experience, so I believe they have started this in order to charge even more interest than the stated interest rate on the credit card.
Consumer complaint received 2024-03-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: ALLY FINANCIAL INC. (FL)

I am disputing a partial refund by the vendor XXXX XXXX for a reservation cancallation due to an unforseen illness. The property management at XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX  has confirmed there are no charges that were incurred by the property and have verbaly agreed to a full refund of {$690.00}. 
AT the time of purchase, there was NO indication of a NON - REFUNDABLE purchase - Only when it was clear that I was not able to keep the scheduled reservartion the XXXX communications began to describe the XXXX XXXX " has not approved a full refund '' and maintians this position to date. ALLY has not agreed to investigate of honor my request to " stop pay '' the charger of {$690.00} presented by XXXX.
Consumer complaint received 2024-04-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Mr. Cooper Group Inc. (NC)

I took out a Mortgage with a company named XXXX Mortgage. They sold my loan to Nationstar Mortgage, XXXX XXXX Mr. Cooper. The starting balance of my mortgage was {$370000.00}. The mortgage started on XX/XX/XXXX and the interest was pre-paid through XX/XX/XXXX and did not begin accruing until XX/XX/XXXX. As of today, XX/XX/XXXX I have made payments to Mr. Cooper totaling {$380000.00} and according to their website, my mortgage is still not paid off. My interest rate is 6.875 %, and I have no escrow associated with the mortgage. There are no pre-payment penalties or early payoff penalties for my mortgage. Of the {$380000.00} I have paid to Mr. Cooper, they have assigned {$6200.00} of that amount to interest charges. However, they have only earned 33 days of interest as of today, which is approximately {$2300.00}. It appears I have been overcharged approximately {$3800.00}. I have attempted to call Mr. Cooper several times and am unable to reach a representative. Their automated calling system will not route me to a human. When I try to send a message on their website, I get an error each time. So not only have I been overcharged, I'm not even able to get in contact with the company to request a resolution.
Consumer complaint received 2024-04-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding negative items was submitted XX/XX/2024, and I have not yet received a response. ''
Consumer complaint received 2024-04-26
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Finding an error indicating a late payment on my account is distressing, especially considering my history of consistently meeting payment deadlines. This discrepancy is causing unwarranted XXXX, and I urge you to rectify the situation promptly by updating my records accordingly.
Consumer complaint received 2023-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

The credit Bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, date last reported is inaccurate, High balance is inaccurate, date reported is inaccurate, Last payment is inaccurate, and payment history is inaccurate. This is grounds for removal, they also violated my rights under 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. 

Here are my complaint id 's for previous complaints against the bureaus : XXXX XXXX XXXX
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I strongly request the immediate removal of this late payment from my account, as it does not accurately depict my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Kindly update my account promptly.
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2022-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIRSTBANK PUERTO RICO (PR)

I already submitted more than 40 complaints, as shown on the included print screen shots, with lots of verifiable evidence, in which is clearly seen XXXX XXXX, their new partner after selling their operations here in XXXX XXXX, called First Bank, as well as XXXX XXXX, 3 main banks, are incorrectly reporting my accounts with them as delinquent, charged off, not paid as agreed, no matter all that is simply false : They, as the original financial institutions which granted me the required credit and account, for credit cards, charge cards or personal loan, are precisely the original financial institution : None of them are an indepemdent collection agency, where accounts are sent when the customer does not respond by any means in order to try to collect the debts. Precisely that was not the case with any of this accounts as the verifiable evidence shows. But, no matter your agency shows the following : " On your side through lifes financial moments.

Were the Consumer Financial Protection Bureau, a U.S. government agency dedicated to making sure you are treated fairly by banks, lenders and other financial institutions. '' The fact is, I never see anything like this statement shows from you, or the 3 Federal Courts system, or 3 main credit bureaus at all regarding all this, where I always presented evidence of clear violations against the Fair Credit Reporting Act, and the Fair Debt Collections Practices Act, and this keeps leaving my credit applications denied and denied, again and again, showing deliquencies that are false, profit losses that are false, and just leaving us no choice than either find a co debtor for critical needs, or looking for financial institutions like XXXX XXXX, precisely owned by one of these Banks, First Bank, which could lend us the money BUT A TOO HIGH INTEREST RATE : HOW IS THAT NONE OF YOU HERE AT THE CFPB, OR THE FEDERAL COURTS, OR THE 3 MAIN CREDIT BUREUS ABLE TO CONNECT THIS IS THE REASON FOR THIS BANK FRAUDULENT REPORTS? PRECISELY, THEY JUST WANT TO JUSTIFY TO CHARGE A TOO HIGH INTEREST RATE, JUST TO SATISFY THEIR UNFAIR CAPITALIST AGENDA : THEY JUST WANT TO EARN MORE MONEY, NO MATTER AGAINST THE LAWS, THEY ARE PRESENTING THEMSELVES AS COLLECTION AGENCIES AT MY CREDIT REPORT AND THAT IS FALSE, I PAID DIRECTLY AND ONLY TO THEM WITHOUT LOSING CONTACT TO THE ORIGINAL INSTITUTIONS AND EVEN TO THE ORIGINAL ACCOUNT NUMBERS WITH ALL RECEIPTS TO PROVE IT.
Consumer complaint received 2023-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

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 : XXXX XXXX XXXXXXXX, Dept of Ed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have right to privacy.

15 U.S.C. 1681 section 602 a Section 2 : It also states a consumer reporting agency can not furnish a account without written instructions. 

15 U.S.C.1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make a consumer report containing any of the following items 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.