davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-03
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (CA)

XXXX XXXX, the fees they charge don't bring your account down when making monthly payment. Also when signing for this card I was told I either do it to have the XXXX or not and nothing about any promotional offers was given to me at time of signing and that is one of their excuses for charging me extra. I've been making {$110.00} dollar on average payments and it seems to be going nowhere. XXXX XXXX I think take advantage of the needing and poor to advance their company and it should be stopped. Especially when I went in for another XXXX with a different doctor a few months later and they did it with out question. I feel they are robbing people and they should be investigated. Me and my wife compared our credit card to this company and it is no where in comparison. XXXX XXXX charges a XXXX security fee each month on top of a 26.99 interest rate. It is only beginning of XXXX and here is a description of the fees they have already received. 
Tran Date Post Date Reference Number Description Amount FEES XX/XX/2018 XX/XX/2018 Card Security XXXX {$42.00} TOTAL FEES FOR THIS PERIOD {$42.00} INTEREST CHARGED XX/XX/2018 XX/XX/2018 INTEREST CHARGE ON PURCHASES {$64.00} TOTAL INTEREST FOR THIS PERIOD {$64.00} 2018 Totals Year-to-Date Total Fees Charged in 2018 {$98.00} Total Interest Charged in 2018 {$140.00} Total Interest Paid in 2018 {$760.00}
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. ()

I have settled and fulfilled my debt consolidation back in XX/XX/2022. I am now applying for a credit line in my bank. My bank has shared that my credit score and credit standing is not really good. XXXX is showing that my score is XXXX but EQUIFAX is showing that my score is XXXX and still in collections and being delinquent. 
I have already already settled my debt consolidation back in XX/XX/2022, I have faxed a copy of certificate of full performance to both XXXX and Equifax and also have subscribed for credit monitoring on both bureau ; and I have been working hard to keep my credit in good standing and even subscribed to both agencies for credit monitoring because I am planning to buy a house. I am not delinquent and have been fully paying off my balances before the due dates. I have talked to Equifax several times to find out what's really wrong in my account, because all banks that I have come to apply for a loan and mortgage was telling me the Equifax is still showing me to be delinquent and with a score of XXXX?!!
Consumer complaint received 2020-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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 SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2019-12-31
Product: Credit card or prepaid 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: Bread Financial Holdings, Inc. (IL)

On XX/XX/2019 I visited XXXX XXXX located XXXX XXXX XXXX XXXX XXXX, IL. I was assisted by the XXXX, General Manager, of that location. I purchased a display piece with required XXXX to provide a purchase price which was {$120.00} before tax and {$130.00} after taxes. I attempted to use my XXXX credit card and was told that the transaction was unable to be processed, which was unacceptably odd seeing how I was approved for {$4300.00} only few days prior. At that point I provided my XXXX and completed the transaction. Once I received my statement from the XXXX XXXX the following month the charge for {$130.00} was on the statement. I phoned and spoke with XXXX at the XXXX which I purchased the display from and I was told that I would receive and check for the {$130.00} in 3-4 business days. After two weeks of waiting I phoned and I was told to call Comenity Bank twice, and I was told to send in receipts and letter explaining the issue. I sent letter and receipts to no avail. At this point I'm thoroughly convinced that The XXXX and Comenity are refusing to refund the {$130.00}.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX Date of InquiryXX/XX/XXXX, XXXX XXXX Date of InquiryXX/XX/XXXX, XXXX XXXX XXXX XXXX Date of InquiryXX/XX/XXXX, XXXX XXXX XXXX Date of InquiryXX/XX/XXXX, XXXX XXXX XXXX Date of InquiryXX/XX/XXXX, XXXX Date of InquiryXX/XX/XXXX, XXXX  Date of InquiryXX/XX/XXXX, XXXX XXXX XXXX Date of InquiryXX/XX/XXXX, XXXX Date of InquiryXX/XX/XXXX, XXXX Date of InquiryXX/XX/XXXX, XXXX XXXX Date of InquiryXX/XX/XXXX, XXXX XXXX Date of InquiryXX/XX/XXXX, XXXX Date of InquiryXX/XX/XXXX & XXXX Date of InquiryXX/XX/XXXX.
Consumer complaint received 2023-07-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

XX/XX/. XXXX I canceled 2 XXXX XXXX orders for {$25.00} each. Totaling {$50.00}. I disputed the transaction and they credit it the money. 3 months later in XX/XX/ they charged me again saying the transaction was valid. I have proof I canceled it.
Consumer complaint received 2020-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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 SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2019-02-11
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. (CA)

I have sent a letter to the company EXPERIAN in reference to alleged accounts being reported on my report incorrectly that are not being properly verified and are not mine. These alleged accounts are XXXX XXXX in the amount of XXXX, XXXX XXXX XXXX, and XXXX   XXXX XXXX. I am requesting they send me copies of any documents with my signature on it stating I have contracted with these companies. Not just a letter stating it was verified by some automated system or e-Oscar.
Consumer complaint received 2020-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LAKEVIEW LOAN SERVICING, LLC (CA)

On XX/XX/2020 I pulled my credit reports and noticed that Lakeview Loan Servicing , LLC ( XXXX XXXX ) was reporting that my mortgage was in forbearance. I disputed this with the three credit reporting agencies and contacted Lakeview Loan Servicing regarding this issue. 

On XX/XX/XXXX I received a notification stating my dispute had been completed. My updated credit report sated " Account information disputed by consumer '', a balance of {$280000.00} and that my account was " DEFERRED '' I again contacted Lakeview and explained the issue to them ... I was reassured that my account was not in forbearance and that it was not being deferred. The agent I spoke to told me they would send me a letter stating my account was up to date. As of today, XX/XX/2020 I have not received said letter. 

As of XX/XX/2020 my XXXX  and XXXX  credit reports still state that my account is being deferred and that my balance is still {$280000.00} making it appear as though I am 2 Months behind in my mortgage. 

I would gladly appreciate it if Lakeview Loan Servicing , LLC ( XXXX XXXX ) would correct this issue and post accurate information on my Credit Reports
Consumer complaint received 2019-12-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Waypoint Resource Group, LLC (TX)

A third party debt manager/collector is listed on my credit reports as Waypoint in the amount of {$300.00}. I have contacted them and the credit bureaus over the course of 3 months for this account to be verified and for them to send me any bill, statements or contractual agreements signed by me. They have not done so. I have provided them with forwarding address and I have not received any billing information about the debt since I began my investigation over 3 months ago. Their appearance on my credit report is hindering my financial growth and I am now seeking its removal from all theee bureau reports.
Consumer complaint received 2023-01-20
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: BMO Bank, N.A. (MO)

Hi, Therer was a recent inquiry on my Credit reports inquiring about auto loans from the following companies : - 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX 6. BMO Harris This was very disturbing as I am not aware of any of these enquiries.
Consumer complaint received 2023-01-20
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: Experian Information Solutions Inc. (MS)

I constantly check my credit report and noticed that the errors and false misleading information for individual accounts didn't quite meet the credit reporting standards of 100 % correct. This has damaged me and held me back for some time. Im demanding the CFPB to enforce the deletion and correction of the following items : Hard Inquiry : XXXXXXXX XXXX XXXX  ( Bank ) Hard Inquiry : XXXX Hard Inquiry : XXXX XXXX
Consumer complaint received 2019-02-11
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Jackson Automotive Resources (MO)

I purchased the vehicle on XX/XX/XXXX. First payment was due and paid on XX/XX/XXXX. The payments were to be below {$350.00}, and I made that quite clear. It totaled {$460.00}, which caused me to miss my rent payment for the first time in 8 years. The same happened XX/XX/XXXX and and again XX/XX/XXXX, that's when I asked to lower the payments and accept {$400.00}, which is all that I had. They're charging me {$15000.00} for a 2008 XXXX XXXX. Monthly payments of {$380.00} for 42 months. The original price was {$9900.00} at 23 percent. I wanted to volunteerly surrender the vehicle. I haven't heard from them except for the payment date in which the customer service representative was very rude and suggested that I better get them the money one way or another, and said " go and borrow it from a friend or family member. Also, I pay my own insurance and they want to also charge me an extra {$80.00} for their personal insurance.
Consumer complaint received 2024-03-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

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. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX and list of Inquiries. 

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.
Consumer complaint received 2018-10-03
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. (NY)

This account has previously removed or block from my credit file, item has been determine fraudulent, a report with FTC had been file XX/XX/2018 and XXXX  and transunion had removed it but now are relisting it, this is illegal according to FCRA. 
Please remove this fraudulent item from my credit file. 

Thank you.
Consumer complaint received 2017-08-01
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: CITIBANK, N.A. (TX)

In XXXX of 2017, two charges of {$100.00} were charged on my Costo Citi Credit Card for XXXX which I did NOT authorize. I reached out to Citibank who provided back up information that the user was in XXXX and used a XXXX name and address and had no CVV code! I 've never been to XXXX or XXXX and vehemently dispute these fraudulent charges. I have now spent over 5 hours on the phone with various Citibank employees only to be told it was my responsibility to pay. THIS IS FRAUD and THEFT. Please help.
Consumer complaint received 2023-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (CA)

I am reaching out because I have completed my monthly payments with XXXX in collaboration with XXXX, and as of now, XXXX is claiming that my balance is still past due and is accumulating charges. This has resulted in increasing credit card charges as well as a significant decrease in my credit score figure. I have reached out to XXXX  customer service, XXXX  security and Fraud, and XXXX  about these charges, but they have turned me away and said I had to be in direct communication with the other individual business, and that they are unable to initiate an internal dispute for this because I am outside of our 60 day dispute window. I am attaching the following documents to help support my claim, in PDF format.
Consumer complaint received 2019-12-31
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (CA)

Referencing case # XXXX, I contacted Citibank to inquire about missing XXXX XXXX  miles that were never deposited in my account as part of a promotion for opening a Citi Priority Account and spending {$1000.00} minimum and completing bill pays. The letter I received dated XX/XX/2019 states I did not complete the bill pays. I completed the bill pays through the Citi website for two consecutive months which makes me eligible to receive the promotion. I have been a loyal Citi customer for 2 decades with both their credit card products and checking accounts. Thank you.
Consumer complaint received 2024-03-29
Product: Credit reporting 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. (IL)

I am writing to follow up on my previous communication regarding unauthorized inquiries on my credit report. As of my last correspondence, I have not received a satisfactory resolution to this matter, and I am concerned about potential violations of the Fair Credit Reporting Act ( FCRA ). 

Furthermore, I believe that the failure to address these unauthorized inquiries promptly may constitute violations of the FCRA. Under the FCRA, consumers have the right to accurate and fair credit reporting, including the removal of inaccurate or unauthorized information from their credit reports in a timely manner.
Consumer complaint received 2023-01-20
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. (PA)

I AM WRITING TO DELTE THE FOLLOWING INFORMATION IN MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. I AM A VICTIM OF IDENTITY THEFT. I DEMAND THAT YALL REMOVE THESE ITEMS TO CORRECT MY CREDIT REPORT IMMEDIATELY! I HAVE REPORTED THIS TO THE FEDERAL TRADE COMMISSION AFFIDAVIT!
Consumer complaint received 2023-01-20
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: WELLS FARGO & COMPANY (MD)

All approved credit on spot in store. Set up delivery set up at same time. Short time later Wells Fargo ET AL called my wide who is XXXX my XXXX XXXX XXXX XXXX XXXX XXXX to let her know the credit was DENIED BY WELLS FARGO ET SL. They told XXXX XXXX & my wife They do not know who i, XXXX XXXX, is/am & that i do not any accounts with Wells Fargo ET AL .
Consumer complaint received 2019-12-22
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: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2500.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2500.00} -This is not my account.
Consumer complaint received 2023-01-20
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CMM Finance, Inc. (AL)

CMM finance denied my request for a week later payment so they enforced a tow truck to repossess my vehicle they even followed me to the store where he hooked my vehicle to his truck with my family in it. He XXXX  me and my family, he was unfair and XXXX. He and XXXX XXXX has put my family and I through horrible conditions and has left us traumatized. He also called the police which was very unnecessary being he was In violation ( XXXX XXXX XXXX ) and Very unprofessional