davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: SYNCHRONY FINANCIAL (GA)

Synchrony falsely tried to charge me a late fee before a statement was due. 
I tried to resolve it and their customer support could not explain sufficiently why I was charged after I successfully explained that I had made the minimum payment and that a late charge for a payment that isn't due until may doesn't make any sense. She then tried to tell me late fee was for XXXX despite agreeing with me that I had paid the minimum amount for XXXX. All dates and amounts are shown in attachments.
Consumer complaint received 2022-07-12
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. (FL)

To Whom It May Concern : YOU ARE BREAKING THE LAW According 15 U.S. Code 1605- Finance Charge ( a ) Finance charge defined Pursuant to subsection ( A ) Finance Charge Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges. Examples of charges which are included in the finance charge include any of the following types of charges which are applicable : ( 1 ) Interest, time price differential, and any amount payable under a point, discount, or other system or additional charges.

( 2 ) Service or carrying charge.

( 3 ) Loan fee, finders fee, or similar charge.

( 4 ) Fee for an investigation or credit report.

( 5 ) Premium or other charge for any guarantee or insurance protecting the creditor against the obligors default or other credit loss.

( 6 ) Borrower-paid mortgage broker fees, including fees paid directly to the broker or the lender ( for delivery to the broker ) whether such fees are paid in cash or financed. 

The finance charge is the sum of all charges which is equal to ANY and ALL payments. So when I, XXXX XXXX XXXX, entered into a consumer credit transaction for these accounts, they were paid off at that moment. 

I demand the late payments on the account ( s ) listed below be removed from the immediately. 


XXXX XXXX XXXX to the timing of payments
Consumer complaint received 2015-08-27
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

Debt collector indicates that the account in question was paid timely until the debt was purchased from the original creditor by the collector Which is not the case. According to the fair credit act the debt may only be reported for 7 years after the 1st delinquency which would 've occurred prior to the purchase. If the collector can not prove otherwise then the item should be removed from the credit file.
Consumer complaint received 2019-06-24
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. (OH)

The Items below, belong to someone else not me. These items are stopping me from buying a home XXXX # XXXX for the amount {$990.00} XXXX # XXXX for the amount {$970.00} XXXX # XXXX for the amount {$900.00} XXXX # XXXX for the amount {$690.00} XXXX # XXXX for the amount {$650.00} XXXX # XXXX for the amount XXXX XXXX XXXX XXXX XXXX # XXXX for the amount {$440.00} XXXX XXXX XXXX # XXXX for the amount {$320.00} XXXX # XXXX for the amount {$220.00} XXXX # XXXX for the amount of {$190.00} XXXX XXXX # XXXX for the amount of {$160.00} XXXX # XXXX FOR THE AMOUNT OF {$120.00} XXXX # XXXX FOR THE AMOUNT {$120.00} XXXX # XXXX FOR THE AMOUNT {$100.00} XXXX # XXXX FOR THE AMOUNT {$84.00} XXXX # XXXX FOR THE AMOUNT {$62.00} DEPT OF ED XXXX XXXX # XXXX FOR THE AMOUNT {$6300.00} XXXX XXXX XXXX XXXX XXXX # XXXX THE AMOUNT IS {$0.00} us dept of ed/XXXX # XXXX for the amount {$3700.00} us dept of ed/XXXX # XXXX for the amount {$2200.00}
Consumer complaint received 2022-04-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: PNC Bank N.A. (KY)

On XX/XX/22 I contacted PNC Bank credit department in regards to incorrect late fees on my credit card account. I had money in my primary account to pay the bill but it did not go through and came out as " error '' on their end resulting in me getting 3 late fees of {$27.00}. I was refunded one and told that they would not refund the others even though it was not on me that the errors occurred and I was not at fault. That they could not go back to XXXX or XXXX and refund the other two {$27.00} late fees. These are fees that I was told were not due to any fault of my own or lack of funds in the account but bank errors. So why am I being forced to pay them? I was also treated incredibly rude by XXXX and told she would not transfer me to anyone else to speak to and that, " I could call the customer service number back and speak to someone else '' same number I was on with for an hour already. I did call back and do another complaint against XXXX.
Consumer complaint received 2019-06-24
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 (TX)

I have been requesting a chargeback to the merchant of a fraudulent transaction since XX/XX/XXXX from paypal credit and they refuse. I made good faith tries to resolve and return merchandise with the merchant. They ignored me and then refused to send a prepaid return address label. They advertised that their vacuums worked on any surface, specifically carpet. The vacuums I was send do not move. It was a fraudulent transaction. What they sold me and what they sent me are two very different things. I then called PayPal credit and refused to pay the fraudulent charge as is my right with a credit card charge over {$50.00} perThe Fair Credit Billing Act was passed in 1975 as an amendment to the Truth in Lending Act section 170 105.33C. Paypal has, in violation of that law refused to chargeback the charge to the merchant. I have now filed a complaint with FTC.gov. I want the transaction chargedback to the merchant immediately. If the merchant then wishes to sue me then they are more than welcome, or they can provide a prepaid return address label. I am not going to pay to send it back to XXXX which would cost more than {$50.00}! Its a scam. It has been going on sinceXX/XX/2019
Consumer complaint received 2022-04-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY (IL)

I received a letter in XX/XX/2021 advising me that I was denied for credit with Wells Fargo and needed to go to an in-branch and present documents to get approved. I never applied for anything with Wells Fargo. I immediately looked up the Wells Fargo toll free number and called to report. I spoke with a XXXX and was advised that a report would be opened. That report number is XXXX. I have since attempted to follow up and have not had any success. I keep being transferred to a different department with different numbers : XXXX XXXX XXXX XXXX advised me that Wells Fargo would investigate and would report to me the results of the of the investigation. To date, they have not reached out to me nor have I been able to contact anyone at Wells Fargo in the Fraud Department, Customer Service, Application Department, etc.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CCS Financial Services, Inc. (MI)

On XX/XX/year> I requested a certified receipt with my signature on it. The correspondence reads as follows : To whom it may concern : I do not recognize you or your company. Nor have I ever done business with you. I am totally unaware of this debt for ( XXXX ) dollars. That you reported to the credit bureaus. I never had an opportunity to address, this information you reported. If in fact you believe that your company gave me proper notification. I would really appreciate it. If you would kindly furnish me with, a certified receipt with my signature on it. Proving that you tried to make contact before placing negative collections on my credit profile. Thank you for taking the time to address this correspondence.
Consumer complaint received 2015-12-21
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: FIRST NIAGARA FINANCIAL GROUP, INC. (NY)

For the first time in roughly 2 years, I had used an old credit card from First Niagara for a charge of {$27.00} on XXXX/XXXX/15. The balance immediately began accruing interest and on XXXX/XXXX/15, I made a payment of the current balance of {$27.00}. The following day, the payment had n't gone thru and the balance accrued another {$0.00} in interest. I spoke to XXXX at First Niagara who advised that the payment takes 48 hours to show but when the payment goes thru it will back date any accrued interest thus wiping them off the balance. Once the payment of {$27.00} finally went thru on XXXX/XXXX/15 the additional interest ( which grew to {$0.00} ) was not wiped off as I was initially promised. I spoke to XXXX again who advised that what he had told me initially was not true and that loan would still accrue interest and payments that take 48 hours to process do not get back dated to the date of the original payment and he refused to remove the additional interest even though he admitted his mistake. He assured me though that the balance would not accrue any further interest so I went ahead and paid the {$0.00} balance. Again, when the payment was processed 48 hours later, there balance had indeed accrued another {$0.00} in interest on XXXX/XXXX/15. That same day I spoke to XXXX at First Niagara who attempted to credit my account the {$0.00} retroactive to the original balance date of XXXX/XXXX/15 which she had done. She also advised that XXXX once again provided me with misleading information in that the balance was still accruing interest. She said that she would freeze the account so that it would no longer accrue interest since it was " clear I was attempting to pay off the card. '' I also paid an additional {$0.00} towards the balance that day in an attempt to pay off the balance once and for all. XXXX my payment and XXXX 's {$0.00} credit went thru and my balance was down to {$0.00} on XXXX/XXXX/15. However, on XXXX/XXXX/15, despite the card having a balance of {$0.00}, it somehow accrued an additional {$0.00} of interest. I called again and this time spoke to Georgia, who tied to tell me that the interest was accruing because I used the card. I explained to her that the balance was {$0.00} and asked how a {$0.00} balance could accrue interest as there was no principal balance. She did not have an explanation for this and stated that she would also credit my account the {$0.00} of interest. I asked Georgia to cancel this card because of the aggravation it was causing and seemingly impossible nature to pay it off. It was also disheartening to receive so much misleading information from the representatives that I had spoken with.
Consumer complaint received 2022-04-20
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (OK)

we refinanced with loan depot in XXXX XXXX XXXX for the amount of {$120000.00}. our home burned and we lost 100 % of everything we owned on XX/XX/XXXX XXXX our insurance company XXXX XXXX promptly paid {$120000.00} in XX/XX/XXXX. Loan depot did not apply that payment until XXXX XXXX XXXX we were in XXXX XXXXXXXX bankruptcy at this time making on time payment through the bankruptcy trustee. loan depot filed a revised claim stating that they were owed {$5500.00} after the insurance check was applied. however after asking for a complete mortgage history from loan depot and reviewing it the balance as of XX/XX/XXXX was {$120000.00}. we there for were again making payments through XXXX XXXXXXXX bankruptcy on the supposed {$5500.00} that they claimed we owed. we paid that until XX/XX/XXXX and we dismissed our case. on XX/XX/XXXX Loan Depot through their attorney filed forclosure int the amount of {$120000.00}. we contacted their attorney and informed him of this situation. he did nothing with the case. we then began working with loan depot trying to get a solution to this we could get no answers from them at all other than we were in forclosure, we filed for modifications, it took allmost 2 years to get one when we finally did we made our payments on time, when our final paperwork came due it was received late due to no fault of our own. our state was in a governor declared state of emergcy and XXXX XXXX did not pick up from the drop off location for quite some time this was of no fault of our own. the kicked us out of modification due to this. their attorney then filed to modify the amount of money that they claim we owed. we began working with their attorney trying to get answers, we feel nothing is owed once we had an attorney look over the complete mortgage history in fact we feel like we are owed. todate XX/XX/XXXX their own attorney still has no answers, they are still trying to rack up fees for pmi, inspecitons, intrest and so on. they have been paid approx. {$130000.00} on a {>= $1,000,000} loan. misapplied our insurance check, and still will not give us answers, this has caused us much undo stress, mental stress, loss of sleep and turmoil. not to mention the hours upon hours of dealing with this nightmare. we want a mortgage release asap
Consumer complaint received 2022-04-20
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (IL)

On XX/XX/2022, I paid Amerisave Mortgage Corporation {$550.00} ( see credit card statement attached ) to lock in a mortgage rate of 3.75 % for 90 days, until XX/XX/2022. I came under contract for a house on XX/XX/2022 but the agreement was mutually canceled on XX/XX/2022 because the appraisal came in significantly under the contract price. Now Amerisave is telling me that my mortgage rate of 3.75 % can not be applied to any other properties, because they had attached the address of the property from the canceled contract to my application, and now the application can only be accepted with that property or canceled. They will not allow the application to be updated with a new address. However, as you can see in the attached signed agreement, the agreement was not made with respect to a specific address. The agreement was made prior to coming under contract with the house now listed on my application. There is no language saying that once an address is attached to my application that the rate lock can only apply to that address nor was that communicated to me verbally. On XX/XX/2022, they quoted me a rate of 5.375 %. We made an offer on a house on XX/XX/XXXX for {$570000.00}, if accepted, this increase in mortgage rate will result in approximately an additional {$150000.00} in payments ( after 20 % down payment ).
Consumer complaint received 2022-04-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ID)

XXXX XXXX reported collections on Transunion and XXXX. These debts are not mine and I am not aware of what even these dollar amounts are for. Both credit agencies did not validate the debt even though they said they did. I have no knowledge of them, they are not able to validate the debts amounts and what services were provided to come to the dollar amount stated. Transunion has two collections from XXXX XXXX {$610.00} {$2300.00} XXXX has four collections from XXXX XXXX {$610.00} {$2300.00} {$60.00} {$60.00}
Consumer complaint received 2022-07-12
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: Resurgent Capital Services L.P. (CA)

In 2018 I became aware that I was a victim of identity theft. At the time I didn't have the education and knowledge to know what to do, but when I learned that there were resources available to help me I started utilizing them to rebuild my credit after the damage that was done. One of the fraudulent accounts is still on my XXXX and XXXX credit reports and because it's listed as a collection account I'm told it really hurts my score. The collection agency name is LVNV funding and the original creditor listed on my credit report is a company called XXXX XXXX  XXXX Bank, who I have never had an account with. I have attached the police report showing that I was the victim of an identity thief.
Consumer complaint received 2022-04-20
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. (GA)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XX/XX/XXXX -XXXX XXXX XXXX XX/XX/XXXX -XXXX  XXXX XX/XX/XXXX -XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX -XXXX XX/XX/XXXX XXXX XX/XX/XXXX -XXXX XX/XX/XXXX NEGATIVE ACCOUNTS : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.
Consumer complaint received 2021-08-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character '' I am requestion that the credit agencies stop reporting these accounts and violating my right according to the 15 USC 1692.
Consumer complaint received 2024-03-19
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Selene Holdings LLC (NY)

my mother passed away and bank refused to continue to take our payment until i was able to get home owner ship put into my name during the time they refused our payment i did all they requested of me i reached out to them and they put use in forclosere witch i had to fight the court case the judge stayed the forcloser to allow us to speak to bank to do modification how ever the bank is not very helpful they are not responsive to me only reason we are in these problem is because they wanted us to take over full owner ship witch we did we also have all documents to show we can pay loan we are just asking the bank to not keep us in court and really help us to resolve these matter all we are going through is based on the banks advice we did and are still doing all they told use to do please help me to resolve these matter
Consumer complaint received 2024-03-19
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I paid my full balance on the due date set by Capital One. They added an interest fee of {$31.00} after paying my balance in full. I spoke with a representative at Capital One who told me they would not be removing the interest charge from my account.
Consumer complaint received 2022-10-13
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. (OH)

I see there are 12 student loans on my credit report with all 3 credit bureaus Transunion, XXXX, and XXXX server of the loans XXXX. I only hold 6 discharged loans all with XXXX in which I have a contacted XXXX and all 3 credit bureaus filing disputes about the loans for several months they say they are accurate and they arent as I said I hold 6 loans with XXXX from from XXXX, and XXXX all discharged in XXXX then so how they say the loans went into default how when they were discharged in XXXX then in XXXX they reinstated the original 6 loans from XXXX and put them on my credit as new loans in XXXX as if I have 12 loans though all 12 loans have XXXX balance I dont hold 12 loans I only hold 6 I have asked XXXX to remove the duplicate loans from all 3 bureaus over the past couple of months they refuse and I also dispute with all 3 credit bureaus and sent my letter from XXXX I only hold 6 loans
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

The items listed below are reported on my personal credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( XXXX ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 

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