davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-30
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (IL)

I have a Best Buy credit card which I setup with auto-pay when I opened the card several years ago. However, I hadn't used the card for some time prior to making a purchase about two months ago. Unbeknownst to me and without any prior written warning - Citi turned OFF my auto-pay and today tried to slap me with a {$30.00} late fee. 

They reversed the charge when I called them directly but more concerning is that the Citi rep : a. ) Couldn't tell me what exactly the 'idle ' time was on the card before Citi decided to turn off auto-pay. 
b. ) Couldn't tell me why no communication was provided for this 'feature ' of the card. 

This seems extremely predatory- and the likelihood that many consumers just pay the late fee is probably quite high - making the whole process seem like a violation of UDAAP Section 3. I also wonder if there is some loophole for 'Loyalty " cards that allows them to do this - because I have several other cards, both from Citi XXXX XXXX XXXX XXXX XXXX XXXX that have never had the auto-pay simply get turned off without warning because I haven't been using them.
Consumer complaint received 2018-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I have disputed this matter with Equifax a number of times submitted prof this was paid in full. But Equifax as ignored my complaint and has not remove XXXX XXXX XXXX XXXX still shows me as owing money. I need XXXX XXXX XXXX XXXX ending in XXXX. I am contacting a Attorney if they don't delete this.
Consumer complaint received 2023-03-16
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. (NY)

In accordance with the Fair Credit Reporting Act, they are are not presenting and account numbers. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have violated my rights under 15 USC 1681.

Section 602 states I have the right to privacy 15 USC 1681, Section 6O4A, Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 's 1666-B. A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2020-02-24
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NV)

I was hospitalized at XXXX Hospital in early 2019. I set up a payment arrangement with the billing department as soon as I was able to return to work after being out for three months. I am current on my payments of {$75.00} per month being paid directly to XXXX Hospital billing department. However, this medical bill is reflecting on my credit report as an unpaid collection from all three credit bureaus.
Consumer complaint received 2023-08-31
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL (FL)

I made a purchase on XX/XX/XXXX on Amazon using the Synchrony Bank Amazon store card. On the purchase, there was an ability to get 12 months of 0 % financing with a equal monthly payments, which I selected, but, at the end of the month my bill from Synchrony Bank reflects the whole amount. When I called Synchrony and inquired about the amount on XX/XX/XXXX at XXXX PM EST, I was told by a customer service representative that they would have to change the purchase manually and it would reflect in 1 or 2 billing cycles ( i.e. months ). However, since the change may not be reflected within this months cycle I would have to either 1 ) pay the full amount or 2 ) pay the minimum and be charged interests. The customer service representative only solution was for me to call back in a week or two and see if the billing change has taken place, but admitted it generally takes 1 or 2 billing cycles.

I believe Synchrony is using predatory practices to entice people to select the " 12 month payment option '' and then unethically charge them the full amount so they can receive interests on the purchase while " the billing change is being made ''. I urge the CFBP to review Synchrony Bank 's use of this deceptive bait and switch tactic and to take appropriate punitive action against them.
Consumer complaint received 2023-03-16
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. (AR)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Balance Owed : {$0.00}.
Consumer complaint received 2023-08-30
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings (CA)

This was a house that I moved out of and they tried to sue me. I went to court nobody from their company showed up, the judge dismissed this case in its entirety and also noted that the plaintiff being vintage plaza would not be able to seek any monetary damages from me ever nor put anything negative on my credit report and if they did they would be held in contempt of court. I got notified by a collection agency and that's how I found out what was going on. It is on my credit and it is not supposed to be and I am fighting with them to get this removed from my credit. I just went back to court and the judge issued a {$2500.00} contempt of court fine and let it be known that they need to remove this from my credit or they will face a {$10000.00} fine. They do not want to remove this from my credit even though it was never supposed to be there in the beginning I left not owing anything and they still tried to get me for damages after they were told they could not.
Consumer complaint received 2023-06-01
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am contacting you to request the deletion and removal of the following accounts and associated information from my consumer report. It is imperative that these accounts and information are not reported on my consumer report, as this action constitutes a direct violation of the FDCPA and FCRA. I urgently demand that you promptly delete and remove these accounts and information from my consumer report, as their presence is in clear violation of multiple laws. I expect immediate action to rectify this matter.
Consumer complaint received 2017-03-20
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Franklin Collection Service, Inc. (GA)

I spoke with collection agency about a debt from a hospital bill. I express to the collection company that I had insurance and should n't have had a bill. I ask them to notify the creditor that I was disputing the debt, as I had n't received any communication from the hospital. I ask the collection agency for the creditor information, but I never received it the information. 

I also wrote a letter to the collection agency twice, with no response. In retaliation about the debt and possibly letters, they placed the XXXX collections on my credit report. The collection company is Franklin Collection Services , Inc. They are based in XXXX, MS . 

Please look into the practices of this company, as I 've seen various people online speaking about their collection practices and the numerous violations of the FCRA. My credit has been damaged tremendously by this act. I pay my bills on time each month. I had a XXXX credit score before they placed these accounts on my credit report. 

Regards, XXXX
Consumer complaint received 2023-02-24
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-16
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. (TX)

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please delete these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 2015-05-11
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (PA)

my name is XXXX XXXX, my school was XXXX college, from which I never graduated and was there for 3 years. now i have a huge monthly payment on my private student loans that i can not keep up with. i dont make a whole lot and with small children at home and other bills to pay it 's almost impossible to pay them. I have asked for deferments, forbearances, and tried to enter into plans but the payments are still too high. I am worried about defaulting on these loans and ruining my credit but i have no other options. the monthly payments are just way too high and i simply do not have the money to pay them. ive tried researching other avenue 's but there isnt much help out there for private student loans. I 've called Navient ( sallie mae ) several times asking for help but they dont seem to care about every day problems people are facing, they just want their money, bottom line, and i do not have it. i struggle to keep a roof over my kids head as it is and now i can not pay the amount they have given me to pay ... If i have to choose between food for my kids and paying my loan, well, my family comes first. I ran out of oil a couple weeks back and had to miss a payment in order to get fuel to heat my home and now im in danger of defaulting on these loans. They want me to pay an amount I can not afford, for a student loan for a college i never graduated from. I do n't have a college degree because i never finished school and i work a blue collar job that pays very little ...
Consumer complaint received 2023-08-30
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL (CA)

I've request copies of the billing statements from the origination of when the card was opened. The copies I receive do not show in detail the transaction charges, credits, or details in regards to the account. The statements only include charges from purchases, but the statements do not include vital information such as the account balance summary, promotional purchase summary, or finance charges to the account. That information is excluded and is necessary to review potential overcharges to the account. I spoke with XXXX XXXX on XX/XX/XXXX requesting this information and I was assured that it would be resolved. The matter is still unresolved as XX/XX/XXXX Amazon XXXX XXXX XXXX with Synchrony Bank, uses predatory tactics to charge high interest charges. When purchases are made to the account under a promotional incentives the purchase price is added to the monthly balance When merchandise is purchased under promotional offers such as no interest for 6 months, that total is divided up and added into your monthly payment. When payments are made to the account the promotional portion of the payment is not applied to the account. Each month I make payments above the minimum payment and I have to call Amazon XXXX XXXX XXXX to have my additional payments applied to the promotional charge otherwise my payments are not allocated correctly. Recently I received my monthly statement and noticed a interest fee of {$120.00}, my usual interest fee is between $ XXXX {$40.00}. I called Amazon XXXX XXXX with Synchrony Bank and was advised that it was because I did not pay my promotional offer in full before it expired and now it was being added to my payment. I told the representative that I've been making above minimum payments each month and the additional payment should have been applied directly to the promotional offers. After reviewing my latest statement I request all my past statements since XXXX to see how often this had happened. I have also had several issues with returned credits to my account. I mail items back and receive a refund immediately then 2-6 months later I am recharged for the item, Amazon representatives advise me its because the return was never received but the tracking reflects it was sent back. After doing some research I discovered that returns are sent to warehouses where the merchandise sits for months on end and isn't processed. If the ware house doesn't process the returned item then the customer is automatically recharged. I now have to review my past statements for recharges and missing promotional payments.
Consumer complaint received 2023-02-02
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc. (OH)

We were trying to resume payments on our father 's mortgage, who is XXXX at the moment, and the company that his mortgage is with is constantly giving us the runaround. We have sent in numerous documents more than once and it seems like it is not enough as we are always told something different everytime that we call. My brother and myself have been added as the authorized third party for the duration of the loan because of my father 's XXXX and we have even been working with The XXXX XXXX XXXX of XXXX XXXX as well. XXXX XXXX XXXX XXXX whom we are working with as well have sent over information to his mortgage company twice and they said that they are still waiting to hear back from them. We have sent in three loss mitigation applications. One was on XX/XX/2022. Another was on XX/XX/2022. And one was on XX/XX/2022. We have also sent in notarized documents. The first one for some reason they said they never received it. They told me it was sent to a location of theirs that is no longer in business. We sent in another notarized documents they we have the receipt for and that was sent out on XX/XX/2022. We have been trying to get this resolved really since last XXXX. It seems like most of the representatives at this mortgage company is not on the same page and we know that time is of the essence and we want to get this resolved as soon as possible
Consumer complaint received 2023-06-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (NY)

I called customer service to ask to have my credit limit raised since I had some major purchases coming. Actually I had already charged about a {$22000.00} trip to the account earlier in the month. The woman I spoke to asked a few routine questions which I answered. She said I have to close this account since you sold your business and this is a business account. I said I only sold 51 % to my daughter. I still own 49 % and still work there, am an officer, and still on the payroll, I asked her to please not cancel since I have at least 20 companies charging directly to the account. " Too late, its done ''. I appealed twice and was turned down both times to have my account restored. 
This account earns rewards which I accrue as I spend money. I was up to about {$1500.00} when they canceled the account around XX/XX/XXXX. That monthly statement would have ended around XX/XX/XXXX. I was told that since I canceled the account before the end of the month ( I canceled!!! ) I only get credit from the end of the previous month which was around {$450.00} I believe this was a totally self serving result. Unfair to say the least. They cancel the account and enrich themselves There was no reason to cancel. Please help.
Consumer complaint received 2020-02-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am aVICTIMof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation within Transunion credit report. This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit
Consumer complaint received 2017-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NV)

I was recently establish a membership to XXXX XXXX XXXX XXXX XXXX in XXXX Virginia short name XXXX XXXX because of the name XXXX XXXX Sounds Great they got all The Top Brass and I got Little interested to bank with them. the great thing they have to offer to many product like mortgage auto loan Multiple credit card ETC. I open my account because I thought they might offer me a credit card with higher credit Limit so I can supply the Shortage on my XXXX XXXX XXXX  Fees, Books, Gas Money, and Food. all of these expectation were end up on disappointnment when I found Im not qualify for the first time so my application # XXXX on XXXX XXXX, XXXX was TurnDown and never give up and another try application # XXXX on XXXX XXXX, XXXX was turn down also and try the third time application # XXXX on XXXX XXXX, XXXX was turn down again. 
all of these Denial from XXXX XXXX XXXX XXXX are bases on Equifax Report and all the reason are the same result and all end up to nothing and disappointing I wish you guys can help me to Investigate what is wrong to the Equifax Report and Im Hoping to resolve the Issue with XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-03-02
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. (NY)

I am writing to dispute fraudulent accounts on my credit report that I did not authorize or consent to. Upon reviewing my credit report, I discovered the following unauthorized accounts : 1. Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Date Opened : XXXX XXXX Outstanding Balance : {$1800.00} I want to emphasize that I did not open or authorize any of these accounts. I am a victim of identity theft, and I request that these fraudulent accounts be removed from my credit report immediately. 

Additionally, I would like to bring to your attention that your bureau is in violation of the Fair Credit Reporting Act ( FCRA ) laws, specifically : - Title 15 U.S. Code. 1681b - Title 15 U.S. Code 1681c-1 - Title 15 U.S.C 1681c-2 - Title 15 U.S. Code 1601 - Title 15 U.S Code 1692c Title 15 U.S. Code 1681b states that you as the credit reporting agency does not have the right to report anything on my credit report without proof of written consent that I opened the account. I previously disputed these accounts and asked for proof of verification which you did not provide. I never gave any written consent to the fraudulent accounts stated above and therefore you are in violation of this code & must remove these accounts from my credit history. Title 15 U.S.C 1681c-1 of the Fair Credit Reporting act specifically states that without my written consent I am absolutely a victim of identity theft. Based on Title 15 U.S. Code 1681c-2 of the Fair Credit Reporting act, if your company is notified by the consumer about inaccurate info on their credit report due to identity theft ( which I have notified you of ), you must remove these inaccurate accounts from my credit report because once again I never gave any one my consent on the accounts I have listed above. Also, Title 15 U.S. Code 1601 protects consumers against unfair and inaccurate credit billing & card practices which you have violated by allowing these fraudulent accounts to continue to report on my account after no written proof of consent has been received from the creditor and sent from your bureau. I urge you to investigate this matter promptly and take appropriate action to rectify the inaccuracies on my credit report. Please provide me with written confirmation once the investigation is complete and the fraudulent accounts have been removed.

Thank you for your attention to this matter.
Consumer complaint received 2023-02-19
Product: Credit reporting, credit repair services, 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. (PA)

I reviewed my credit report. I notcied inquiries on there that I did not apply or authorized. I reached out to the credit bureaus no response. I want these inquiries removed immediately.