davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-03
Product: Credit card or prepaid 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: SYNCHRONY FINANCIAL (GA)

Documentary Evidence is Required in accordance with 12 CFR 1026.13 ( 6 ) Please provide clarification, including documentary evidence, on the following : Any and All documents, correspondence, papers, and corporate records proving that " Adequate Notice '' was received and understood by the cardholder in accordance with 15 U.S. Code 1602 ( k ) for the above-mentioned account ( XXXX ) ; dates and times ; Any and All documents, correspondence, and papers of receipt and acknowledgment of reasoning capacity to understand what I am agreeing to ; Any and All documents, correspondence, papers, and corporate records of the 2011 published version of the PayPal Credit Account Agreement with both parties ( or all involved parties ) signatures ; Any and All documents, correspondence, papers, and corporate records of the PayPal and Synchrony Bank records and/or data retention policy guidelines ; Any and All documents, correspondence, papers, and corporate records proving that adequate notice of disclosure of personal information was given in accordance with 15 U.S. Code 6802 ; Any and All books of accounts, financial records, and corporate records about this consumer credit transaction, including how Synchrony Bank funded the above-mentioned account ( XXXX ) ; Any and All audit trails of the funding of the account transaction by which accounting, trade details, or other financial data can be traced to their source, i.e., from your account to my alleged accounts ; Any and All documents, correspondence, papers, and corporate records that fully disclose the details of the entire agreement, which is a requirement of a contract ; Provide the original agreement with the signatures of both parties ( or all involved parties ), signifying consensus ad idem, or a meeting of the minds, which binds both parties.
Consumer complaint received 2017-05-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION (VA)

I should have received a deposit from the IRS of {$6800.00} on  XXXX   XXXX ,    2017 and the money was deposited into the wrong account. I have contacted the IRS and at this point I was given the conclusion that its up to Navy Federal bank an d  XXXX   XXXX   XXXX    XXXX   to return the money since it was deposited to them. I have contacted both banks and the money is in an account with Navy Federal Credit Union.  Navy Federal stated to me there is nothing that can be done and could not provide  any service to me. The money is in an account with Navy Federal Credit Union where I also have an account with. I have been dealing with this situation for the past 3 months and would like to come to a solution.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MD)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 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 2024-03-05
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. (CA)

Ive been trying for 3 years to have the bankruptcies removed that where caused by identity theft. My ex husband used my information to file for bankruptcy without my knowledege. I contacted XXXX XXXX and they deleted the bankruptcies, so why wont the bureaus remove them. Im sending the letter from XXXX XXXX
Consumer complaint received 2023-06-03
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. (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. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX  XXXX : # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX  : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2021-07-10
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: OneMain Finance Corporation (FL)

On XX/XX/2021, I filed a disputes with XXXX, XXXX, & XXXX  in regards to the incorrect information on my credit report. It has been well over 30 days and I have not received any investigations results.
Consumer complaint received 2023-05-31
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc. (WI)

In XX/XX/XXXX, I received multiple calls from Comenity Bank. When I answered one, they told me I owed a payment from XXXX on my XXXX XXXX XXXX and said the payment was about to be late and charged a late fee. I declined paying it and told them that I had not made any purchases on that card since XX/XX/XXXX. 

I immediately contacted XXXX and they had nothing in their system indicating a charge and showed I had a XXXX balance with them. I asked them how to report a fraudulent charge and they said to contact Comenity Bank to dispute it. 

I contacted XXXX to review my credit report. It showed the amount of {$180.00} due in XX/XX/XXXX, which was from a charge of {$100.00} in XXXX, that I did not make, plus late fees. I filed a dispute with XXXX. The dispute was not cleared on my credit report. 

After repeated calls to Comenity Bank, I was unable to get through to talk to a representative. The line would drop my call. The website indicated disputes of charges needed to be done in writing and mailed to : XXXX XXXX Credit Bureau XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX. 

I filled out their Credit Report Dispute and Investigation Form. I printed details from my credit report showing the balance due of {$180.00}. I printed my XXXX statement showing no balance and no purchases since XX/XX/XXXX. On XX/XX/XXXX, I mailed this documentation to the XXXX XXXX XXXX. I have not gotten a response as of today, XX/XX/XXXX, XXXX business days later.
Consumer complaint received 2023-01-05
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: EQUIFAX, INC. (MD)

The following are unrecognized credit inquires which need to be removed immediately. I suspect these inquiries may be fraudulent. 
: XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-20
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. (FL)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX CO XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 XXXXIO XXXX XXXX
Consumer complaint received 2023-05-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (OH)

My Chase personal, business, and savings accounts were hacked on XX/XX/2023. 
The hacker moved {$1300.00} back and forth between those accounts in order to XXXX the payment from my business account. I received an alert on my phone that morning from the bank and called them to report the fraud. 
Chase fraud closed my accounts for 48 hrs and then reopened them with new usernames and passwords. I also received a email about adding or editing the XXXX person and reported that I did not know this person. 
They originally told me they could see I did not make the transactions from my devices and then 2 weeks later said I did with no proof. 
They have still not done anything to credibly my account.
Consumer complaint received 2020-12-29
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (FL)

Sent several messages to various board members and executives and no response. Wells cashed my payment but did not apply it and then charged a late fee. See below From : XXXX XXXX XXXX Subject : Fwd : Due today : We haven't received your credit card payment Date : XX/XX/XXXX at XXXX XXXX EST To : XXXX Mr XXXX - Since XXXX I have consistently made this payment from my checking account at XXXX. The payments are on auto pay. Checks were cashed and credited to my account, no problem. See below- the XXXX payment was cashed By Wells on XX/XX/XXXX, but I received a past due notice. I emailed the Board and did not receive a reply. This week I received the XXXX bill with a past due late charge of {$38.00}. 
Two things please correct the XXXX record and reverse the late charge. 
Secondly I have a pending payment of XXXX for XXXX. Please see that it is proper credited to my account. 
Thank you. 

XXXX XXXX
Consumer complaint received 2023-05-29
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. (GA)

I XXXX XXXX has made several attempts to remove incorrect information that the account is not owed. XXXX XXXXXXXX refuse to remove the debt is still owed and also show account as charge off. XXXX XXXX has cause severe damage to my credit report as I was not able to get another loan in order finance a nother vehicle. As of XX/XX/XXXX XXXX XXXX is still reporting the same information to my credit report. On or around XX/XX/XXXX I sent XXXX XXXXXXXX by Priroity Mail # XXXX XXXX XXXX XXXX and received on XXXX XXXX XXXX  to settel the matter XXXX XXXX XXXX did not reply to me, attach to is a copy of pay off of car loan sense XX/XX/XXXX. See Attachment
Consumer complaint received 2017-05-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (OH)

My loan was purchased by Carrington in  XXXX     2017, an d I find their servicing practices to be very non-borrower friendly. First issue experienced is having my payment rise {$82.00} a month in order to build a legal amount in escrow. Even though, through  XXXX   XXXX   XXXX , there has never been an escrow shortage.     Next issue is that starting  X/X/2017   , Carrington will be charging {$5.00} convenience fee on all one-time online payments. This is my method of payment and unsure why I am now being penalized to use this service. I understand I can sign up for automatic payments, but sometimes life just doesnt work out that easy. I feel entrapped to sign up for this service and run the risk of overdrawing my account if the funds are not in there.     These mortgage payments have NEVER been late ; in the 10 years this loan has been active. I find Carrington Mortgage servicing practices un-nerving and a possible CFPB violation.
Consumer complaint received 2023-05-28
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: DynaGen Lending, LLC (CO)

I'm trying to sell my house and buy a new house to move. I've been looking for lenders for mortgage. Once I did hard pull with one lender, I've got to hear from this broker, XXXX XXXX ( aka XXXX XXXX ) from XXXX XXXX. He presented himself as a broker and I've got the estimate loan from him with the company called, XXXX XXXX under name with XXXX XXXX. 

XXXX and I have been communicating for getting lower rate, and since other lender was telling me that they can match the rate with XXXX 's once XXXX can lock the rate. 

I've checked with many lenders about estimates. I made sure they only do soft pull my credit and they always asked me before they proceed it. I denied when I didn't want to. 

XXXX gave me estimate loan as pre approval. And I asked him I only want soft pull for now. and he said it wasn't hard pulled for this pre approval. 

I bought a house once with my husband which I'm in process to sell. But mostly my husband proceed process with the realtor at that time so I would say this the first time I'm buying for myself and first experience buying a house because we are divorcing after this. 

Since I was notified from all other lenders for hard inquiry, I expected XXXX will let me know before he does. I asked XXXX if we can lock the rate since the other lender was asking if we can do. He only said yes!! He didn't inform me AT ALL!! about from now on XXXX needs to hard pull my credit or else. I already spoke with him that I'm not ready for hard pull inquiry until I make my mind. 

XX/XX/23, In the morning I realized my credit was pulled, XXXX credit report. When I spoke with XXXX afternoon, He did not tell me he did hard pull until I asked. He ONLY said, I asked for lock in rate and that means I gave him a permission to hard pull my credit. I said, I did NOT know locking in rate means I'm automatically giving you my permission to do so, and I already told you I'm being careful about being pulled! and XXXX accepted he didn't ask for my permission, and ASSUMED I asked for hard pulled. 

ALL LENDER MUST INFORM ALL OTHER BORROWERS BEFORE THEY PROCEED HARD INQUIRY, and I wasn't asked for my permission and I DID NOT GIVE XXXX PERMISSION and I even found out myself and had to ask if XXXX did!!!
Consumer complaint received 2017-05-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc. (CO)

I have no problem paying the assessed fees. My concern is when you are on the automated system and you are paying your loan, the message states the amount includes any fees that are owed. You submit the payment with the impression that the fees are paid. I found out today that the fees are still outstanding. The employee I spoke with indicated that " sometimes the system does not pay the fees and applies the amount to the payment. '' I have still received benefit, I understand that. But, you think the fees are paid and then they are not. At the end of the loan you could have several fees outstanding that you think are paid based on the fact that the automated system said they were. I think this is a deceptive practice and could cost a consumer at loan of money at the end of the loan if they were not diligent. Yes, it is the consumer 's responsibility to read their statement, but the practice should match what their system said is going to happen. Please have Chrysler Capital update their automated system to match their business practices. The employee I spoke with today said that she would have to submit a request to have the funds moved, so they will correct it, but it should not happen that way. As I stated, I feel this is a deceptive act under the UDAAP guidelines, as the consumer could end up paying additional money as they thought the fees were paid and if they just move the funds to cover the fees, it could change the payoff amount at the end of the term. I did explain to the employee that I felt this was deceptive and I would be filing a complaint with the CFPB.
Consumer complaint received 2023-05-28
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: EQUIFAX, INC. (NY)

my current mortgage servicer XXXX XXXX XXXX XXXX XXXX reported misinformation on my credit report. they reported on my credit report that i was 90 days late on my mortgage payments, while they fail to accurately specify which month i was late. Ive spoken with them on the phone XXXX, even tried to fix the issue with their dispute department to no avail. 
XXXX XXXX have ruined my credit score, making impossible to me to acquire a mortgage at this time or get credit. any resolution in this matter would be greatly appreciated.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (SC)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2023-05-24
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: CITIZENS FINANCIAL GROUP, INC. (CT)

Date : XX/XX/2023 Amounts at issue : Approx {$1500.00} My daughter has 3 college loans financed through Citizen 's Bank. 
Serviced by XXXX I have been paying off the loans for XXXX years. 
I issue checks to XXXX with the loan # s on the checks. 
XXXX credits the entire check to XXXX loans -- beyond payments due -- and not to the XXXX loan which says there are overdue payments. 
Loans # s are : XXXX XXXX XXXX. All under : Account # : XXXX. 
Payments are credited to " XXXX '' and " XXXX '' but not to " XXXX '', which says payments due ( but unpaid ) on XXXX. XXXX. The other 2 loans say next payment is due in XXXX, rather than XXXX, because the money sent is not allocated to the 3rd loan. 
I can not tell whether I'm being charged extra interest or penalties ( or anything for that matter ) by reason of the misallocation but I assume I'm not being properly charged. 
Citizens and XXXX call every 2 or 3 weeks to ask for payment ( obviously, on loan # 3 ). I explain that they have payment, but that they are being misapplied. 
My name is not on the loans. So, they won't speak to me. However, despite their silence policy, they are happy to take my money ( for years ) and to mis-apply it. 
They have spoken to my spouse, and my daughter ( for whom the loans are issued ), and they have also explained the problem. 
I told Citizen 's Bank ( when they called me about 3 days ago ) that I would file a complaint, formally, and that I had discussed the problem multiple times -- and sent e-mails. 
I see that Citizen 's Bank was recently fined {$9.00} XXXX by the XXXX. For failing to properly process credit card disputes. My problem doesn't involve credit cards, but it involves disputes regarding student loans. 
My name is XXXX XXXX. Email is XXXX. Tel XXXX. I live in CT. Call / email anytime.
Consumer complaint received 2024-03-05
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: Experian Information Solutions Inc. (NV)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.