davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-04
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (FL)

I accidentally sent my XXXX/Sychrony payment of XXXX to XXXX Card on XX/XX/XXXX. The amount was not due until XX/XX/XXXX. I did not discover my error until XX/XX/XXXX. At that time, I set up an ACH payment on XX/XX/XXXX for my additional purchases plus the last balance of XXXX. These additional payments were not due until XX/XX/XXXX XXXX/Sychrony calculated interest not on the 10 days that the XXXX was past due but on average daily balance daily balance of XXXX. How they calculate that number I can not find out. 
There is a disconnect between in the credit card industry and the consumer. How can I be charged interest on something that is not past due? 
I have since got them to waive the late fee but not the excessive interest charge.
Consumer complaint received 2024-11-05
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP (SC)

A merchant ( XXXX XXXX  ) issued a refund ( {$29000.00} ) to me and it was posted to my credit card account on XX/XX/year>. I called US Bank on XX/XX/year> and requested a refund check be mailed to me. 
I called again on XX/XX/year> and was told refund was in process. 
I called again on XX/XX/year> and was told refund was still n process. 
I called again on XX/XX/year> and was told refund was still n process. 
Refunds should not take over a month to process. I could be earning a fair amount of interest on this amount of money. Personally, I think this borders on fraudulent practices by the bank.
Consumer complaint received 2023-11-10
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. (PA)

I submitted a request for Description of the Procedures used for you to come to the conclusion that information I disputed via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  You responded On XX/XX/2023. that my dispute was verified. I then sent via CFPB feedback on XX/XX/2023 a request for the Method of Verification used to verify this account though you failed to address the true basis of my dispute which is that my privacy rights are being violated for this account to report without my permission in the first place. 

I submitted another request for Method of Verification re : FCRA 611 ( A ) ( 7 ) / FCRA 611 ( 6 ) ( a ) ( B ) ( ii ) via CFPB XXXX XXXX XXXX XXXX 

In accordance with FCRA 611 ( A ) ( 7 ) and FCRA 611 ( a ) ( 6 ) ( B ) ( ii ) .You failed to provide all the information required as you had 15 days to do so in accordance with FCRA 611 ( A ) ( 7 ) ) and 611 ( a ) ( 6 ) ( B ) ( ii ) and on each occassion you failed to do the right thing. This means you owe me {$1000.00} at this point as you failed to legally respond to my request in the required 15 days.

The basis of my dispute was based upon my privacy rights being violated as this information is reporting on my consumer report without my permission and should not be on my consumer report without my instructions. Remove it and pay me {$1000.00}.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: REGIONS FINANCIAL CORPORATION (FL)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " Holding consumer reporting agencies accountable for their responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX, and XXXX are consumer reporting agencies and Regions Mortgage is the furnisher financial institution and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' Regions Mortgage is a financial institution by definition under title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Regions Mortgage the financial institution and the Consumer reporting agencies XXXX, XXXX, and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, and XXXX, Regions Mortgage whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Regions Mortgage NEVER informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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.

15 U.S. Code 1681e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title.

15 U.S. Code 1681a ( 2 ) ( A ) ( i ) states Regions Mortgage, XXXX, XXXX, and XXXX are not maintaining reasonable procedures. I want my consumer report updated to paid as agreed.
Consumer complaint received 2022-10-17
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: EQUIFAX, INC. (MI)

On XX/XX/XXXX I contact Equifax to dispute information regarding a charge off account from XXXX. Of course the account came back verified but, they didn't return with anything that I requested for a complete comprehensive investigation. Equifax is required to conduct a reasonable investigation. Why is XXXX appearing on my credit report twice with the exact same account number except what the creditor did was change the information dates. If my account was Charged off on XX/XX/XXXX then how can I be showing late 20 times in XXXX, 12 times XXXX, 3 times in XXXX? That's in 1 account they falsely put on my report and updated it as of XX/XX/XXXX. Then on XX/XX/XXXX Equifax allowed them to indicate me 0 times late XXXX, 0 times late XXXX, 1 times late XXXX. I was able to do a side by side comparison between all three credit reports. Equifax has enlisted the egregious, and purposeful information placed on their site to personally injure me and my person, reputation. I demand that this information be deleted. The information isn't consistent across all three agencies. There is one other account that Equifax has placed on my report twice XXXX XXXX. And this information is also, inconsistent across the credit agencies.
Consumer complaint received 2017-05-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Thaxton Investment Corporation (GA)

My last payment was made  XXXX   XXXX . I am late on my  XXXX  and now my  XXXX  payment. I am not 60 days late yet.     They will not stop calling me and are also calling during work hours. They will not accept any payment arrangement unless I come in. They are an hour away. If I come in during their business hours I am going to hav e to drive and   XXXX   ( t his cost money ) and it will not make money magically appear in my hand to pay their bill.     I have tried to tell them I get paid on the  XXXX  and will pay the bill then and they will not accept that and are harassing me daily while at work. Again this is not even 60 days late and I am being harassed daily.
Consumer complaint received 2024-03-09
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. (WA)

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under XXXX XXXX. Sec. XXXX ( a ), you must complete this reinvestigation within XXXX days of receipt of this complaint.
Consumer complaint received 2023-11-10
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I submitted an application with capital one for a savor one card. I already went through a pre approval online through capital one and was told I was approved. When i submitted my application I was denied. I was shocked I have XXXX credit, low balances less than 10 % used, great credit history, always pay my bills, and a business owner. I received a email for the reason why and it was an adverse decision was to many active credit cards. 
Under there reasons of why I would get an adverse decision that wasnt listed. I called customer service because I feel it was a mistake. I got escalated to a supervisor and explained the situation and it doesnt make sense. She told me they can not do anything about it.. she didnt bother looking into it. I asked her Was vindictive because i cancelled a capital one credit card or discriminative?? She laughed and said have a good day and hung up.
Consumer complaint received 2024-11-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BMO Bank, N.A. (IL)

On Friday, XX/XX/XXXX, at around XXXX XXXX, I attempted to withdraw {$800.00} ( the maximum allowed by BMO Bank ) from my checking account at the ATM at the BMO bank branch at the corner of XXXX XXXX and XXXX XXXX in XXXX, IL. After I inserted my ATM card and entered my PIN, I requested {$800.00} withdrawal. The ATM churned and then displayed a message that it was unable to process my request. Then it returned my ATM card without issuing a receipt or any cash. I immediately went into the bank branch and a teller told me should could not help me and that i should talk with a Relationship Banker. I recognized that the Branch Manager was in her office and I approached her for help. She explained that the ATM machine was owned by a third party ( XXXX??? ) and that she could only report the problem to them and that I would have to wait to see if they credited my account with the {$800.00}. She and I went to the ATM to look at it and we didn't find any cash dispensed. Then, I asked the Branch Manager to provide me with evidence of my complaint so she wrote an email detailing the issue and sent it to me and other employees at the branch. All day my online banking account just shows the {$800.00} withdrawal as " pending. ''
Consumer complaint received 2023-06-08
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (NC)

I am writing because I feel Freedom Mortgage is intentionally delaying my loss mitigation application. The lack of attention to detail and servicing has delayed my application to the extent that I have lost eligibility for several XXXX XXXX XXXX mortgage assistance programs. 

I have now submitted the loss mitigation application and supporting documentation on 4 different occasions. My first application was submitted XX/XX/2023. I have submitted documents per the request of their loss mitigation specialist on the following dates : XX/XX/2023 XX/XX/2023 XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have received no less than 3 separate letters in the mail stating my application was incomplete with a due date to submit the missing documents but the letter arrive 15 days after the due date. 

I call the loss mitigation line once a week and have been given incorrect or misleading information each time. 

Freedom mortgage is refusing to offer mortgage programs that would allow me to place the balance owed at the end of the loan and maintain the current interest rate. 

These delays are intentional to force me into a longer loan term and higher interest rate to the benefit of the mortgage company. 

I have provided duplicate documentation repeatedly and with every weekly call am told that I have missed a document. I have asked for supervisor review of my application twice without a response from anyone. 

I have asked that ll correspondence be sent via email and letters continue to arrive late via USPS. 

The mortgage company claims to support veterans and their families but obviously do a very poor job of providing service to the less than 1 % of the their customer base.
Consumer complaint received 2023-04-26
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. (IL)

THIS ACCOUNT GIVING ME ANXIENTY I CAN'T EVEN SLEEP WITH THIS, PLEASE REMOVE IT FROM MY CREDIT REPORT, I SEND ALL TE DOCS THEY NEEDED TO REMOVE IT AND I'M BEGGING YOU PLEASE..
Consumer complaint received 2022-04-18
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: Partners Financial Services Inc (GA)

XXXX XXXX plus *original creditor* walk away lease no balance XX/XX/2016 Balance : XXXX XXXX creditor : partners financial Balance : XXXX Wrong balance debt already sold and collected.
Consumer complaint received 2024-11-08
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: BMO Bank, N.A. (IL)

I am a account holder with BMO Harris Bank since XXXX. Since I have had a checking and savings account with BMO Harris I never had issues paying my bills using my checking account. Up until XX/XX/XXXX there have nothing but issues paying my bills using my checking account because of the very extensive account hold that is placed on my account, If I schedule a payment using my checking account on the seventh of the month it will take almost two weeks for the bank to verify my payment to my credit card company. Every month I balance my checking account to ensure the funds are available, credit card never gets paid it always come back as a returned payment. I contacted the bank several of times regarding this issue I was told that it an perennate internal account hold because there was suspected fraudulent activity on my checking account, I verified my information and other measures the bank offers to protect my account and I still have the internal account hold on my account. The last time I had spoke with the bank I was told that account hold was removed eventually the account hold was not removed because I am still experiencing issues with my bills getting paid on time. This is very inconvenient because my bills are not being paid on time.
Consumer complaint received 2023-08-09
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: Experian Information Solutions Inc. (WI)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XX/XX/XXXX INMATE XXXX XXXXXXXX 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 2021-01-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (NV)

On XX/XX/XXXX, I took my dog to the vet, the bill came to {$410.00} I had a balance of $ XXXX.on my Care Credit/Synchrony Bank card . It was declined. I contact CareCredit who informed me that they lowered my limit unbeknownst to me. Ive always paid my bill on time. CareCredit/ synchrony the powers that be figured I didnt use my card ENOUGH, they would take a step towards ruining my credit! Never mind the fact that I pay on time every time. Most credit card companies send out a notification and allow a grace period. My available balance as of XX/XX/XXXX was {$1500.00} to XX/XX/XXXX a balance of {$100.00} how is this ok without notification. A credit card company should not be able to ruin a persons credit when that person PAYS their bill on time! I feel like Im being punished for using my Care Credit for emergencies only and paying on time.
Consumer complaint received 2022-10-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

My information ( S.S. card, ID, cell phone, and purse ) were stolen in XXXX of XXXX. I started to get hard inquiries on my credit report shortly after, mostly for car loans, credit cards, and some personal loans from what I can see. A lot of soft inquiries too. There was a fraudulent Credit line opened in my name that I took care of. It was listed on my credit report along with a address I never lived at. Capital One has checked my credit 11 times from XX/XX/XXXX to XX/XX/XXXX. I have never applied for anything through this company.
Consumer complaint received 2023-12-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: U.S. Auto Credit Corporation (NC)

Urgent Request for Resolution of Car Purchase Issues To whom it may concern, I am writing to bring to your attention a series of issues I have encountered since purchasing a car from XXXX XXXXthe dealership / US Auto Credit The bank on XX/XX/2022, at XXXX XXXX. Two days after the purchase, the car broke down, and despite assurances from the dealership about addressing the issue, I have faced continuous challenges. 

I have diligently attempted to communicate with XXXX XXXX, both through messages and calls, over the past year regarding the status of my car and the necessary repairs. Despite my consistent efforts, I have experienced a lack of responsiveness, leaving me without updates on my car 's condition. After Promised to fix the car. 

Despite my ongoing up to date monthly payments, my car has been unusable for over a year. This situation is particularly distressing as I rely on my vehicle for work, bringing my kids to school especially during events such as New York XXXX XXXX, where transportation is crucial. 

Upon returning from New York XXXX XXXX she gave me a car to use since my car was still not in use on XX/XX/XXXX, XXXX XXXX, That car broke down again, putting me and an influencer in a distressing situation. The XXXX XXXX response, notably from XXXX, was unexpectedly dismissive, leaving us stranded and disregarding our safety concerns. 

Following these events, I discovered that my car was not registered for almost three months, and upon its return, it exhibited further mechanical issues, breaking down once more at my house. 

In light of these ongoing challenges and the apparent violations of the Truth in Lending Act, I must exercise my right of rescission. Which I never received. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

My initial credit line was XXXX XXXX 
I could not make payments due to a bug in their system. I had to call every month and pay over the phone. Company got on my browser with me logged in and seen this. They reversed late payments 2 or 3 times because the web page kept crashing every time I tried to make a payment. Out of the blue they raised my limit to XXXX $ and then dropped it to apx.XXXX XXXX 
This decreased my XXXXXXXX score by XXXX points. I was in the process of getting a business loan secured by my personal credit. This obviously threw a wrench in my plans. I called the credit card company ( XXXXXXXX XXXX ) to see why. 
They sent me to the underwriting department who said it was because of late payments. Not even bothering to look and see that I couldn't pay if I wanted to ( which I obviously did ). Looking online for answers I found the fair credit reporting act I found this. 
According to the Fair Credit Reporting Act, the only reason a card issuer needs to inform you about a credit limit decrease is because you missed a payment, are only making minimum payments on a high balance or took some other negative action that raised a red flag. In that case, your issuer would have to call or send written notice by mail or via the secure online message center. 


So I called XXXX XXXX  back on a recorded line and asked to speak to underwriting. 
She told me there was no such department. 
I asked to speak with a supervisor. 
The supervisor ( XXXX ) told me the same thing I already heard. 
They throttled me because of late payments. 
I then informed her of the fair credit reporting act to which she said they can do this to me because it's in their terms of service agreement. 
I asked if that means they don't have to adhere to the F.C.R.A.? 
She basically told me whatever I read to her doesn't apply to them. 

So in a nutshell, XXXXXXXX XXXX  solicited me a cc while i was shopping in XXXX. 
A cc which I didn't need. At the time I already had at least XXXX $ of unused credit at my disposal. Well I signed up anyways thinking it would save me on gas. Instead this CC ended up costing me XXXX points off my credit score, hours of time trying to resolve countless issues I had to call about and now it's costing me a loan to open my small business. 
I have since sent payment of the total balance to us bank and I'm sure even paying it completely off won't raise my score XXXX points. 

I would like for them to make this right. 
It is a blatant violation of the F.C.R.A and they don't seem to know this which tells me that this is common practice to them. 
No letter and or message was ever sent to me entailing their decision. 
XXXX XXXX XX/XX/2023