davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (PA)

I contacted XXXX at Synchrony where I have my XXXX credit card for HSN on XX/XX/22 for help lowering my interest rate of 26.99 % since I can no longer afford the XXXX of {$200.00}. He was a XXXX and told me they are not reducing interest rates at this time. I told him I am making less money and can barely afford this along with my medications, food and gas. I am a loyal customer and I am looking for help to lower the interest rate so I can afford a lower monthly payment amount. He just kept repeating that be can't help since they are not currently lowering interest rates. I told him I am drowning and need help but he did nothing.
Consumer complaint received 2022-04-22
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (NY)

My home is worth approximately {$500000.00}. Yet when I negotiated my mortgage with the the investor, they did not follow any federal guidelines when the put a balloon payment at the end of my mortgage in the amount of over {$240000.00}. along with a XXXX XXXX  of {$430000.00}. Totaling {$670000.00}. This would bring the loan into Respa and Tila violations as it currently stands. 
I retained XXXX XXXX XXXXXXXX XXXX to negotiate and come up with a reasonable solution for a short sale, have a buyer in place with a HUD 1 provided as well as Community Loan Servicing, Contact XXXX XXXX. XXXX XXXX has tried to contact XXXX and her XXXX to negotiate a short pay with the current investor. XXXX XXXX and her XXXX XXXX XXXX. They apparently have not informed the investor of this situation. It is not in line with guidelines to not inform the investor of a short pay offer for a troubled asset.
Consumer complaint received 2019-01-30
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (IL)

I put in a request to lower my interest rate on my house. I have been with this morgage company for years and they always say my credit scores want high enough, then i got my credit score at the amount the company ask, then the next step was had to much debts.
Consumer complaint received 2022-04-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This complaint to TransUnion was the result of their non-compliance to my request and frothier refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the FederalCredit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 

Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Employers : XXXX XXXX LA XXXX Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-04-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC (OH)

After reviewing my account I noticed that my statement for XX/XX/XXXX was not on the website. The website clearly states that it maintains 13 months of statement on the site. I contacted them in early XX/XX/XXXX for them to add this statement. I was told by customer service this would happen, however as to date, XX/XX/XXXX still does not appear on my account. 

My second issue is, I took out a {$100.00} cash advance in XX/XX/XXXX. They were continuing to charge me a cash advance fee until XX/XX/XXXX. When I informed them of the issue, I was told that they would only reimburse the current and previous ' month 's fees. I do not believe that to be accurate and I want my account adjusted for the fee.
Consumer complaint received 2022-04-22
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. (IN)

I requested that the information on my credit report be looked into and I also requested an official copy of my credit report but I was ignored in my initial reach out. When I did not receive a response I sent letters on a few more occasions but still no response. 

I now have reason to believe that I am getting ignored by the credit bureaus due to their negligence to respond to my request and that does not protect my rights under the fair credit reporting act.
Consumer complaint received 2022-10-14
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bridgecrest Acceptance Corporation (GA)

I have sent a validation letter on XX/XX/2022 to this company named Bridgecrest, and yet to receive a response of validation, it has been XXXX calendar days and I need this debt remove from my credit report immediately, due to no response of validation and incorrect billing, I will also have the attached letter I sent down below.
Consumer complaint received 2022-04-22
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. (OH)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-04-22
Product: Money transfer, virtual currency, or money service — Money order
Issue: Problem with customer service — 
Company: WESTERN UNION COMPANY, THE (FL)

XX/XX/2022 I deposit a Western Union check in our account through the ATM. The check was for a refund from a money order in the amount of {$480.00} MO # XXXX & {$480.00} MO # XXXX. Total of both checks was {$970.00}. XXXX XXXX stated the checks had a stop payment on them and the funds were not collected. My account will close due to fraud on XX/XX/2022. I reached out to WU. A female representative repeatedly says the funds were available. I received a copy of the cashed money order showing the funds were paid. I called XXXX XXXX again on XX/XX/2022, explaining what WU sent me. 
The representative insisted the checks were fraudulent. Wednesday, I sent copies of the checks to XXXX and asked them to waive the processing fee, because my account was closing due to the checks being fraudulent. I asked a for a manager or supervisor to call me or at least email me. I received nothing. I still have outstanding checks that XXXX insisted they couldn't cash due to a stop payment order placed on them. Here are the other XXXX money order numbers MO # XXXX Amt {$500.00}, MO # XXXX Amt {$50.00}, and XXXX XXXX Amt XXXX. Please have the fee waived on all 3 money orders and include {$30.00} additional fee for the previous money order that caused my account to close for fraud.
Consumer complaint received 2017-03-28
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A. (CA)

I was charged a late fee on a credit card payment with CITIBANK due to stolen us mail statement, I being a client for Citibank for over 20 years, and when I got the notice 2 days after the due day, I call them 1st, they offer to reduce the late fee by {$15.00}, I told the rep, should be the entire amount, but it escalate it to the manager who said it will wave nothing.I went to the local branch and made a payment personally. I wrote them a letter with all proof of mail being stolen, and received a response of not accepting, on my next statement they have add extra minimum charges. 
Citibank is changing the credit card policies to get more fees. without proper notices, I as a consumer agree on a bank making their % money and fees as long AS THEY DISCLOSE THEM PROPERLY, Citibank to my opinion is not doing this part clearly and honestly.
Consumer complaint received 2016-10-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CITIBANK, N.A. (NY)

I disputed this line of credit with Citi Bank debt XX/XX/2016 with the credit bureaus. I never got it removed from my report even though my ex-husband opened the account, not me.
Consumer complaint received 2022-04-22
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (OH)

On XX/XX/2022 XXXX  refunded my account {$190.00}. The refund clearly shows in my completed transactions on my American Express Serve card. That same day, Serve put a " Merchant credit review '' hold on the account. I called Serve on the XXXX of XXXX to find out why this was there as the the refund was already posted. They stated that XXXX ' bank is the one that put the hold on the refund. I called XXXX who stated they did not put a hold on the funds and they went as far as to check with their banking division to ensure something did not occur. It was confirmed to me XX/XX/2022 that XXXX had absolutely nothing to do with this " Merchant Credit Review '' hold and it was in fact American Express Serve that is doing this to me. You can not put a hold on credits or refunds. It is now 7 days later and my funds are still not available. They do not have the right to hold a refund the way they are doing this and claiming its a " Merchant Hold '' when it has been confirmed that it is not. It is obvious in the completed transactions that the refund was processed on the 15th and the hold is still in pending as of the 15th per the screenshot of my account
Consumer complaint received 2022-04-22
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. (WI)

A collection account under the name XXXX XXXX XXXX has show up on my credit reports. It says it is for XXXX XXXX which I have never done business with. I never received a letter giving me 30 day notice of the debt. I have called and they where asking for more personal information from me I was unwilling to give. I am in the middle of a mortgage refi and this is holding up the process and needs to be removed asap.
Consumer complaint received 2021-08-27
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Complete Credit Solutions, Inc. (NC)

I have been in contact with the collection agency named Complete Credit Solutions for some time now. The reason why is that they continue to report a false collection on my credit report for {$1800.00}, supposedly from a payday loan company called XXXX. I have told the reps at Complete Credit Solutions that I have never had an account with XXXX, much less received any funds from them. So there is no way that this could be my account. Instead of deleting it from my credit report, as I have requested, they tell me that I should dispute it at XXXX, XXXX, and XXXX XXXX if I believe it is not accurate. I keep disputing the account, as they say they should, but THEY keep verifying it to the credit bureaus. So this process is getting me nowhere in regards to getting this false account off of my credit report. Furthermore, payday loans are not even legal in the state of North Carolina. So even if this was legitimate ( which it is not ), XXXX could not have even made the transaction legally. So either way, this should be grounds for dismissal. I have been trying to get this false collection off of my credit report now for 6 months, and Complete Credit Solutions is doing nothing but deterring and obfuscating their responsibilities of the Fair Credit Reporting Act.
Consumer complaint received 2022-12-20
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: SYNCHRONY FINANCIAL (CA)

I do not have an account number as this account was opened without my permission and I have not received anything ( statements, card, etc ) I had massive fraud on my synchrony/Lowes credit card in the summer of 2022. After a very long time of getting it resolved I was told my account was permanently closed. I went to check my credit report on XX/XX/2022, and there was a late payment for another charge on the synchrony/Lowes credit card for {$530.00}. When I called synchrony/Lowes, they said my account was never closed down Although it shouldve been and they will have to do a fraud investigation. In the meantime, it has knocked my credit score down, XXXX points and I am trying to apply for a loan, so this is having a deleterious effect on my ability to do that. 

I told XXXX that they should not be happening every few months with fraud. I dont know what to do at this point as they are saying it could take up to 60 days which is outrageous. This account shouldve been permanently closed as they told me it would. Please help.
Consumer complaint received 2022-04-22
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (WI)

I applied for the XXXX XXXX  XXXX on XX/XX/XXXX and the application is still processing. I have received different answers from the WI program XXXX. US Bank has it listed on their website since XXXX but apparently they are not part of program. The WI XXXX program administer stated they have been trying to work with US Bank and she is " working on some work arounds '' but has not been clear as to what that means. This process has taken over XXXX weeks now for an emergency program that doesn't seem right. US bank served papers on XX/XX/XXXX for foreclosure and when I called them I was confused because I was in loan modification process along with the HAF application. US Bank told me to just " ignore ''. I applied for mediation and they are waiting on US Bank XXXX to respond.
Consumer complaint received 2022-04-22
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. (WA)

XXXX XXXX ACCOUNT XXXX XXXX is 30 days late on my credit report On XX/XX/2017. 

This is a false claim as this payment was not 30 day late.
Consumer complaint received 2022-04-22
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. (CA)

There is a XXXX account on my report that is not mine. I was a victim of identity theft and made a police report ( approved ). There should be no reason why this is still on there. 

My rights have been violated through the Fair Credit Reporting Act .... 

XXXX # XXXX XXXX XXXX Section 602A states I have a right to privacy 15USC 1681 Section 604A sec 2 states a consumer reporting agency can not furnish an account without my written instructions or consent. 

Please honor these laws by simply deleting this fraudulent account ... this does not need to escalate to the court.
Consumer complaint received 2022-04-22
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. (WA)

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-04-22
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. (WA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-04-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Bank of America problem with my XXXX XXXX. I do not have a XXXX XXXX with Bank of American. This is number they called from XXXX XXXX XXXX.
Consumer complaint received 2022-04-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

I was attending XXXX XXXX XXXX XXXX and was suddenly dropped due to " attendance '' when I've only missed a handful of times while enrolled almost a year. I completed XXXX hours then the school closed due to fraud. I tried submitting paperwork to get loan excused with no success. Several friends who I attended with got excused. I was charged full tuition as if I finished school. I then try to transfer hours so I wouldn't take a loss and other cXXXX XXXX  only accept XXXX hours which is a loss for me. I would be charged tuition again and have to redo hours. Please look into this matter and help me removing this loan .... I'm now desperate because it's been on my credit
Consumer complaint received 2022-12-20
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: WELLS FARGO & COMPANY (NC)

Thank you for this support. In XXXX rounded XXXX owed to Wells Fargo My parents were going through serious health problems and at the same time, initiating family support as in POA and Guardianship, as the XXXX were separated. My mother, whom I have been registered as Guardian, I found had severe XXXX. I had to piece her affairs together as a puzzle. When I worked to manage her bills after her husband 's death a year later, I submitted all documents required as guardian. Wells Fargo was very hard to relate to under the circumstance. Each time I called, I had to go through telling yet another person the hurdles we needed to resolve. I was told a payoff amount for my mother 's truck. I was reading the checking account numbers over the phone to make payment as my mother laid in the bed in the same room. When I referred myself as guardian, the person I was talking to stopped the progress of making the payoff, ended the phone call. I was never able to get assistance after that phone call. None of the associates or rep 's. were helpful. Covid was making it impossible to get help at the bank. Soon after a tow truck came and took the truck. Then they tried to bill her the resale fee 's. Wells Fargo had our files. I am not prepared to upload them today since the XXXX isn't attaching them.
Consumer complaint received 2022-04-22
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)

XXXX XXXX was done on XX/XX/2020 at the dealership. 

Recently I looked at a copy of my credit report and noticed an incorrect account. I feel that this account is adversely affecting my credit report and costing me thousands of dollars in interest every year. It is my understanding that you will investigate this item for me to ensure accuracy. 

Here is the item I am asking you to verify as reporting accurately : XXXX. XXXX XXXX XXXX XXXX After your investigation is complete, please send me the results via mail. 

Thank you in advance.
Consumer complaint received 2022-04-22
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. (MI)

EQUIFAX is both falsely reporting information on my account that I never gave consent to share, and further more I never gave consent to the companies that are reporting collections accounts to these bureaus. I've sent certified written communications to all parties involved and they continue to harass and violate my rights to privacy.
Consumer complaint received 2022-04-22
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: EQUIFAX, INC. (RI)

After careful examination of my credit report from both XXXX and Equifax, I noticed several inaccuracies and notified XXXX and Equifax. My original request to challenge the accuracy of information report on my credit report was mailed to XXXX XX/XX/2022, certified mail, article # XXXX XXXX XXXX XXXX XXXX. Since I hadn't received a response, I then mailed another letter dated XXXX Then I mailed follow-up nonresponse letter dated XX/XX/XXXX. To date, I've yet to be notified an investigation was performed on my behalf.
Consumer complaint received 2022-04-22
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. (GA)

This complaint was the result of their non-compliance to my request and for their refusal of getting the accounts, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the FederalCredit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned accounts for they were found erroneous and unauthorized. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This complaint was the result of their non-compliance to my request and for their refusal of getting the accounts, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the FederalCredit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned accounts for they were found erroneous and unauthorized. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX