davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Aqua Finance, Inc. (AL)

I financed my water softener through Aqua Finance Inc XXXX XXXX XXXX XXXX ( hereafter referred to as Aqua Finance ). For this, a credit account was opened. I received an invoice on the mail and decided to send them a check for the total balance listed on the invoice. The check I sent in was received by Aqua Finance before the listed due date, and even before the next invoice was generated. 

The following month, I received another invoice for interest that had accrued. After calling Aqua Finance to understand what happened, they explained that the amount due is only valid as of the day the invoice was printed, meaning that the listed balance is not correct even the following day. This seems to be an unfair and deceptive practice. 

I was told that the only way to pay off the account was to call in and get a payoff quote. When I asked what would happen if I never called, but continued to pay via invoices, I was told i would be paying interest indefinitely. To require someone to call to get a true and accurate payoff is unfair and deceptive, as well as potentially discriminatory to individuals with XXXX. 

When asked if they would waive this unfairly accrued interest, they refused. I have not gotten any resolution with Aqua Finance.
Consumer complaint received 2020-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

During the Covid-19 pandemic, I had put my mortgage with XXXX XXXX XXXX into a Forbearance Plan beginning in XX/XX/2020. XXXX XXXX XXXX clearly stated in our Agreement ( attached, Page 2 ) that they would not report my account to credit reporting agencies as delinquent. 

On XX/XX/2020, I sold the property and repaid the mortgage to XXXX XXXX XXXX IN FULL. One week later I received a notification from Equifax and XXXX that XXXX  XXXX XXXX had reported my loan to the credit reporting agencies as 90 days delinquent and my credit score dropped 83 points. I was in the process of refinancing the mortgage on my personal residence and that is now delayed because of this. With rates rising, XXXX XXXX XXXX is going to owe me compensation for this. They clearly are in violation of our agreement. 

I contacted and filed a dispute with Equifax and XXXX and they stated that " This creditor has verified to OUR company that the current status is being reported correctly. This creditor has verified to OUR company that the prior paying history is being reported correctly. '' I need to have this " delinquency '' removed from my credit reports and XXXX  XXXX XXXX needs to compensate me for losses sustained from not being able to refinance my personal mortgage at a lower rate.
Consumer complaint received 2023-01-09
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. (PA)

i AM A VICTIM OF IDENTITY THEFT! MY IDENTITY IS STOLEN AND HAS XXXX USED AGAINST MY WISHES! 
DELETE AND BLOCK THE COLLECTION-CHARGE OFF FROM MY Equifax CREDIT REPORT. tHIS ENTITY DOES NOT HAVE PERMISSIBLE PURPOSE TO PUT ANYTHING ON MY CREDIT REPORT. i AM A VICTIM OF IDENTITY THEFT AND MY NAME AND SOCIAL SECURITY NUMBER AND PERSONAL INFORMATION HAS BEEN USED WITHOUT MY AUTHORITY TO COMMIT FRAUD! uNDER THE FCRA THE FAIR CREDIT AND REPORTING ACT GIVES ME SPECIFIC RIGHTS DESIGNED TO HELP ME RECOVER FROM IDENTITY THEFT - BLOCK AND REMOVE THESE FRAUD ACCOUNTS
Consumer complaint received 2020-08-07
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: Experian Information Solutions Inc. (GA)

On XX/XX/2020 I submitted a regular consumer dispute of inaccuracies that's reporting on my credit profile. I haven't heard from Experian yet saying that they were going to start an investigation. Then I submitted a complaint on CFPB Instead of them starting an investigation to my issue they keep saying they don't believe its me submitting my complaint. This will be my 4th time submitting a complaint about Experian and I believe this is a stall tactic. I'm angry because I want these inaccuracies corrected now. I will submit a copy to FTC also. I don't understand why this taken so long or why its so hard for them to start/correct/complete my dispute. I've submitted everything they asked for and still no investigation has started. Its been well over the time for the investigation.
Consumer complaint received 2020-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: REGIONS FINANCIAL CORPORATION (FL)

On XXXX XXXX 2020, I applied for an extension on my car loan with XXXX website, the web site finalized my application and informed that in 24 to 72 hours someone was to call me to explain my options, nobody called me instead they sent inadvertently emails which I am sure it went to spam. in XXXX I received a statement showing a a past due requiring a immediately payment, I contact the bank expecting an explanation like it was a mistake but in fact they informed that my extension was never approved. Well understanding the risk of have my credit damaged by this bank I rushed and squeezed all of my money to pay this past due and it was paid, last month they reported a 30 late payment on my credit it doesn't reflect the truth. 
Please accepting my complain and help me removing this negative information from my credit Best regards and always respectfull XXXX XXXX
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (SC)

Experian, the reporting agency unlawfully used principal 's personal identifying information in an unauthorized way, by committing fraud and misrepresenting principal 's intent without principal 's consent. Experian fraudulently placed the following " personal statement '' on principal 's credit report, claiming to be the principal, without the consent and authorization from principal or agent for principal, and without attempting to obtain such consent and authorization from the principal or the agent for the principal : " PERSONAL STATEMENTS XXXX & XXXX XXXX ID SECURITY ALERT : FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. I CAN BE REACHED AT XXXX. THIS SECURITY ALERT WILL BE MAINTAINED FOR XXXX  YEAR BEGINNING XXXX. '' This is an unlawful and gross unauthorized use of personal identifying information, in what I believe to be a long going series of discriminatory, fraudulent, false, deceptive and misleading business practices as well as privacy crimes, in order to negatively effect the principal in question 's free exercise of his rights in commerce, and to unjustly gain from keeping a certain demographic of consumers in lower scores than should actually reflect by using these said unlawful practices. 

The principal had recently notified the CFPB and reporting agencies of unauthorized inquiries on the principal 's credit report. In what I believe to be discriminatory retaliation, and what I know to be fraud, and unauthorized use of PII, instead of Experian immediately removing the unauthorized inquiry, Experian, fraudulently placed a fraud alert on the principal 's credit report without the principal 's or the principal 's agent 's consent, and wrote it from the vantage point as if the principal wrote it, and disclosed further personal identifying information of the principal without the principal 's consent. This fraud upon the principal is clear, and the fact that, Experian, did not remove the unauthorized inquiries yet, as of this notice, is further prime facie evidence deceptive practices, showing they are quicker to do an unlawful and fraudulent act, before they carry out their fiduciary duty to protect consumer 's privacy, and conduct business strictly within the intentions of the United States of America Congress Assembled, outlined in the provisions of the Fair Credit Reporting Act, and other applicable enacted statutes and regulations. 

This notice will stand as an addition to the record of the ongoing series of discriminatory events regarding Experian, and other reporting agencies involved, compiled for private action.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

was over charged for my credit card for XXXX for XXXX balance that I reported that I didnt make from late fees on my account they keot charging me so I have a XXXX balance iwed with XXXX XXXX XXXX
Consumer complaint received 2020-08-18
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)

my information was used someone used my identity to open fraudulent accounts these accounts listed do not belong to me I am writing to request and initiate a formal complaint against XXXX, XXXX   and Experian CRAs. On XX/XX/2020, I mailed XXXX, XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2020-08-18
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)

MY INFORMATION WAS USED TO OPEN FRAUDULENT CREDIT CARDS THAT DO NOT BELONG TO ME I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRAS. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the  law.
Consumer complaint received 2020-10-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (FL)

Synchrony Bank is the worst of the worst with regard to maintaining and assisting customers with their internet portal. I have consistently tried to make payments and log onto their sites repeatedly with no success. When I call I get that apologetic XXXX who says they will forward on my complaint. This Bank needs to shut down. If they can't respond to their customers in a timely fashion and always. I am taking the action of paying out these small debts and then cancelling anything to do with Synchrony bank.
Consumer complaint received 2020-10-02
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Exeter Finance, LLC. (GA)

My name is XXXX XXXX and I financed a XXXX XXXX XXXX for {$16000.00} using Exeter Finance back in XX/XX/XXXX. At the time I needed a car really bad as I had an XXXX  child and a XXXX year old who I had to transport back and forth to school and daycare. I was advised that the loan was for 72 months with a monthly payment of XXXX. I have made 70 payments in total plus interest and fees applied. I struggled making the payments as I really could not afford them but needed a car. As of today, I have paid a total of {$29000.00} towards this loan. My account shows that I still owe {$5900.00} and if it is not paid by XX/XX/XXXX they will repossess my vehicle because I have reached my maturity date. I don't understand how they can do this to a consumer especially during this pandemic. They will not work with me unless I come up with XXXX  which is ridiculous considering how much I have paid them. This is not right to me as a consumer and this is really bad business on their part. To collect this much money from me and threaten to take the vehicle. I need help and I need soon as this is the only transportation that I have to find work. Exeter Finances XXXX  rating has been revoked and Attorney General of Massachusetts filed and won a lawsuit against them for offering bad subprime loans. Please Help!
Consumer complaint received 2023-04-06
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: Credit Technology, Inc. (TX)

Last year, I bought 2 vehicles and a house. The following inquiries need to be removed from my credit report as I never applied to these companies for loans. 

XXXX XXXX Credit Technology Inc 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 I need these inquiries removed from my credit report ASAP. 

Thanks!
Consumer complaint received 2020-08-18
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. (MD)

I have had a bankruptcy reported on my credit report for YEARS. I have sent in a letter from the courts ( dated XX/XX/17 from XXXX XXXX, Assistant Division Manager ) saying they do not report bankruptcies to the credit bureaus. I have sent in the search results from XXXX XXXX and XXXX showing my social security has returned zero results. Experian continues to report this information that is incorrect. In addition, I have also disputed an account with XXXX XXXX XXXX that shows I have a balance, a monthly payment and the incorrect name reporting. I have disputed this information they continue to report it incorrectly and late. I have contacted the Credit Union and spoke with XXXX XXXX ( XXXX ).
Consumer complaint received 2020-08-07
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc. (GA)

I used Remitly to send money to my family ( on XX/XX/2020 ) to help them during the covid19 and I opt to send the money to the bank account of my family member. The amount was {$3100.00} and my family member did not receive the fund till today, though I have received the receipt that the funds are available in XX/XX/2020. Because I did not know where the backlog is it happening XXXX or with the USA. I decided to use a different money transfer agency ( XXXX XXXX ) and I sent only {$200.00} to the same bank account and my family member was able to receive the funds in 3 days.
Consumer complaint received 2020-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

On XX/XX/XXXX, I applied for financing for a dining room set with loan terms as follows : Purchase total {$1400.00} Total interest ( 29.90 % APR ) + {$230.00} Interest rebate - {$3.00} Total of payments {$1600.00} My last payment of XXXX was paid on XX/XX/XXXX. The creditor has not reported since XX/XX/XXXX but is still showing a balance of {$130.00} on my credit file. I filed a dispute with Experian Credit Bureau on XX/XX/XXXX. When I spoke to Experian on XX/XX/XXXX, they indicated that the creditor XXXX is still indicating that the balance is still {$130.00}. My account with XXXX is showing online as a balance of {$0.00} but they are still reporting a balance of {$130.00}, the account should also be reporting closed and paif in full. Please assist at your earliest. Thank you.
Consumer complaint received 2020-08-07
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: DISCOVER BANK (FL)

For THREE YEARS I HAVE CONTACTED THEM AND ASKED FOR PROOF THAT I OPENED THE CARD AS IT WAS NOT ME. THEY CONTINUE TO REPORT IT TO THE CREDIT BUREAU. THEY HAVENT SENT ME SIGNED CONTRACTS TO PROVE IT WAS MINE AND IRONICALLY THEY KEEP EMAILING ME OFFERS TO HAVE A CARD WITH THEM. THEY ARE RUINING MY CREDIT THAT I HAVE WORKED VERY HARD ON. EVERY TIME I CALL, WRITE OR DISPUTE WITH THE CREDIT BUREAUS THEY JUST LEAVE THE SAME THING BUT NO ONE HAS SHOWN ME ANY PROOF I HAVE ASKED FOR ccount NameDISCOVER FINANCIAL SERVICES Account XXXX Account TypeCredit card ResponsibilityIndividual Date XXXX StatusAccount charged off. {$11000.00} written off. {$11000.00} past due as of XX/XX/2020. 
Status XXXX
Consumer complaint received 2020-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Sequium Asset Solutions, LLC (CA)

Sometime in early 2019, I closed my XXXX XXXX XXXX account for cable. I returned the cable box by mail, but started receiving collection demands to pay for the allegedly unreturned cable box in the approximate sum of {$200.00}. I disputed this debt with the first collection company ( can not remember the name ) and assumed it was resolved. Then, the " debt '' was apparently " sold '' to another collection company, Sequium Asset Solutions. Even though I disputed the debt, I paid the amount to avoid being harassed again. This was paid in XX/XX/2019 and I have my bank statement to prove it ( attached ). Now, just this week, I got a notice from credit karma that I had a derogatory addition to my credit report. A new debt collector, XXXX XXXX XXXX, has reported a collection account of {$200.00} against me to the credit bureaus. I PAID this debt eight months ago. XXXX never contacted me, I never received any letters. This is a complete fraud and a lie. And now it has damaged by credit as it is affecting my ability to obtain a car loan at a reasonable interest rate.
Consumer complaint received 2020-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AL)

I have tried several times to resolve an issue with XXXX, this company is reporting late payments to my personal credit reports. I have submitted all the proper documentation and sent letters of dispute to the President of the company, still no resolution. The inaccurate information being reported has hindered me from being able to purcahse a home. 
The report is inaccurate as I was enrolled in-school and account should have been enrolled in in-school deferement, therefore no late payments should have been reported. My first payment was due XX/XX/2017, I graduated XX/XX/2017. 

The company that is reporting inaccurate information : XXXX XXXX. XXXX XXXX XXXX, PA XXXX
Consumer complaint received 2020-08-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (PA)

I have had a mortgage with PennyMac for the past two years. On XX/XX/XXXX, I sent in my annual homeowner insurance renewal questionnaire, but on XX/XX/XXXX I received a letter from my homeowner insurance that they had not received payment and would cancel the policy on XX/XX/XXXX. The homeowners insurance is paid out of my escrow account and handled by PennyMac. I reached out to my insurance agent who stated that PennyMac had been billed, but did not pay. Upon following up and logging into my PennyMac account, I realized that PennyMac had changed my homeowners insurance from a policy with XXXX XXXX to XXXX. I never received a notification that this change was made and almost lost my policy due to the negligence of PennyMac. This is a violation of Regulation X of RESPA. 
I called PennyMac on XX/XX/XXXX and explained the issue. The employee was helpful and explained that PennyMac noticed the house was listed as a rider on a separate XXXX policy and decided to switch my homeowners insurance from XXXX to XXXX without informing me. The employee was able to change this back and send payment. 
A few days later, I received my escrow analysis from PennyMac and it included a disbursement voucher of over {$400.00} and a significant reduction in my mortgage payment because they used the incorrect XXXX policy in their analysis. After two more phone calls, PennyMac reversed the error and sent out a new correct escrow analysis, this one showing I needed to make an additional payment to my escrow account to meet the minimum amount. This has been an extremely frustrating process and my XXXX payment is still listed as the incorrect lower amount that was calculated with the incorrect insurance premium. 
There have been multiple errors by PennyMac which either slipped through their system or there is no system in place to catch these errors. Additionally, the isolating from refund to deficit is wrecking havoc on my budget during a recession and pandemic.
Consumer complaint received 2020-08-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIRST CITIZENS BANCSHARES, INC. (CA)

The bank is First Citizens. I opened a premier checking account and saving account online on XX/XX/2020, and completed the deposit ( $ 15,000+ ) on the same day and spending requirements ( 10+ debit transactions ) by XX/XX/2020 per the terms of their their welcome bonus of {$500.00}. In the term, it says the welcome bonus will be deposited into the checking account within 120 days, but it has been over 120 days and I still haven't received the bonus. I called the bank 's customer service line but the rep was not able to fix this and asked me to contact local branch. This was an online offer and I don't think there is any branch in CA. So I'm seeking help on CFPB.