davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-01
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (PA)

Hi, I was informed via phone message there was a problem with my Synchrony Lowes Credit account payment that I made on XX/XX/2021 in the amount of {$29.00}. So when I called back to see about it I was told my payment was rejected and to check with my bank as for the reason for this. So I called my bank XXXX XXXX XXXX XXXX who told me that the payment was never processed and that there is no record of it either being authorized or reversed for any reason i.e. insufficient funds. My bank statement for the date the payment should have been processed will show this. No payment attempt was made. So the money was in the bank account it just was never processed correctly and for whatever reason in error was rejected. Now along with Lowes 4 other Synchrony accounts of mine are now closed and I do not have access to credit with any of them. Lowes, Sams Club, Ashley Furniture, JC Penney, and Lumber Liquidators for a total of 5 are all closed and read closed by credit grantor now on my XXXX credit report as of XX/XX/2021. All of which I pay every month with my XXXX XXXX XXXX XXXX XXXX account. Same bank routing number and account number for all these Synchrony accounts listed above and all were processed with my XXXX XXXX banking account and posted in XXXX with no problem and my bank statement has all of these transactions listed. Also, all of the other payments for Synchrony Lowes leading up to this payment were made correctly as well using the same XXXX XXXX account. I also tried to do the online chat feature Synchrony Lowes provides to no avail. The man I spoke with checked on the reason the payment was rejected he said insufficient funds? Which I was told by another Manager on the phone it just say rejected no reason. I told him he was incorrect about the insufficient funds as per my banking institution. He then asked me for my banking info via the chat routing number account number which I did not feel comfortable with he assured me its safe and then sent me the address to send a check? When I asked if sending in the {$29.00} would put my account in good standing he said it would so I wanted to make sure so I explained that my account along with 4 others were closed. He told me have a good day and that was it on his end. I screen shot the conversation and would like to include it as well. With customer service such as this its easy to get deterred. I work hard and I do my best to always pay my bills I feel like this has taken up time I could be putting to good use elsewhere instead of pleading my case for something thats not on me I submitted the payment on time it didnt take for whatever reason now my accounts are closed that doesnt seem fair. So thats the reason I filed this complaint thank you and I apologize for the length of the writing. Just wanted to make sure I included everything.
Consumer complaint received 2021-10-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Midwest Fidelity Services, LLC (TX)

I have received an email from Midwest about account from XXXX XXXX XXXX, I have requested a copy of any documentations such as drivers license, loan application to review and confirm documentation. While speaking with XXXX XXXX she have also informed me funds were submitted to XXXX XXXX XXXX XXXX I have informed I never open an account with XXXX XXXX XXXX XXXX I have made contact with XXXX XXXX XXXX XXXX XX/XX/21 the location is more than an 1 hr away from my home. I have also requested documentation from XXXX XXXX XXXX for the acct number so that I can bring to the attention at the credit union.
Consumer complaint received 2023-11-04
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. (TX)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX 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 2019-12-12
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Santander Consumer USA Holdings Inc. (NY)

This document is for fraudulent accounts opened in my name, Using my personal information without my authorization or permission. I am a victim of identity theft and did not open these mentioned accounts. I am a victim of the XXXX  data breach. State issued ID have been compromised and my social security has also been obtained. My postal mail was being forwarded out of state to where theft of my personal and confidential information took place. I am not responsible for any of these charges or accounts.
Consumer complaint received 2021-10-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (NH)

Thank for your help. I am making a complaint in hopes of speeding up the process so that I may move on to informing my mortgage bank about this error on my file being removed. Detail reasons of this error is explained in attached files but in short I believe said debt is not mine and I was not provided absolute proof the debt is mine. Thank you
Consumer complaint received 2021-10-01
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BARCLAYS BANK DELAWARE (TX)

Dear Sir or Madam, I previously had a credit card ( cc ) with Barclays card. With that said, prior to XXXX of XXXX, I was never late on my payments. My payments were timely and when I asked for a credit increase, the request was granted. 
In XXXX of XXXX, I filed a dispute for a charge on my account that was posted in XXXX of XXXX. 

I continually disputed the fraudulent charges without success via emails and phone calls. In addition, the link on the website was not working and every time I spoke to employees about Barclays link not working, I never received any hard copies of the paperwork. Again, I continually asked for the documents to be sent to me via hard copy, but I never received, and I brought this to the attention of Barclayss card, and afterward, it was stated that the disputes were in review, and to date, no resolution. 
To date, there has been no resolution on the disputes, and Barclays has reported on my cc three reports being 90 days late, one 60 days late, and one 30 days late for the same event. My understanding is that there should only be one ding on my credit report due to this all being the disputed issue. I called Barclays cc and requested the late payment notices be removed from my credit report and utilize the pay to delete and after being on the phone with XXXX, Customer Service for over 50 minutes then transferred to XXXX XXXX, Escalation Specialist, for about eight mins, all five late reporting are still on my credit report. Again, I called Barclays card on XX/XX/XXXX to request the items to be removed, but they stated they do not do a pay to delete, therefore the late statements are still on my credit report. 

In addition, I paid for my cell phone bill w my cc, and one of the benefits of having the cc was that if a cell phone was broken or damaged, I would get reimbursed for the item, which I never did even after filing the claim two times. To date, there has been no positive resolution on this issue either. With all of that said, I did pay off the original balance of {$600.00} and when I did, I asked for a pay to delete, which was not honored by Barclays card. Ultimately, I would like for Barclays card to remove the late reports on my cc, honor the pay to delete and not have my payment listed as a settlement. 

Thank you, XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (FL)

In late XX/XX/2020 I became ill. It worsened in XXXX and we soon realized it was XXXX. ( I had been on an airplane from XXXX. ) It was so early in the pandemic, my doctor was unable to test me for the virus. 

When I got healthy in XX/XX/2020 I found that I lost my job, also because of XXXX. 

During this time, I did not make payments on my Chase credit card. I honestly thought the card was on automatic payments and wasn't paying close attention, since I was ill. 

Because I was sick, I didn't know about the various programs helping people out who were in financial distress during the pandemic. 

When I realized the error, I immediately paid what I needed to pay to get current. Shortly thereafter I paid off the card. 

I reached out to the executive offices at Chase, asking for the late payments to be removed, given the circumstances. They denied the request.
Consumer complaint received 2022-05-26
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. (FL)

Us 15 1961 subcharte 3 CFPB Write up n accordance with the Fair Credit Reporting act XXXX XXXXXXXX # 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 2019-09-06
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. (CA)

I was cornered into signing up for a XXXX XXXX credit card to receive a {$100.00} discount on merchandise. They wanted to give me a $ 20k credit limit on the spot. My credit score was XXXX at the time. It is now XXXX. I contacted credit representatives at XXXX XXXX and requested a REDUCTION to $ 2k. The consequent of my request was to lose XXXX basis points from my credit score. I contacted XXXX XXXX again and was told SORRY NOTHING WE CAN DO I IS EXPERIAN NOT US. I tried to call Experian but the number is electronic and there IS NOT PHYSICAL ADDRESS. For the record, I have destroyed the XXXX XXXX credit card and do not intend to use it. No, I did not receive the {$100.00} promotion. I will never do business with these people again. 

- I need a physical address for Experian. 
There is no excuse to lower my score for NOT USING a line of credit. I need to have a written discussion with management. 

VTY, XXXX XXXX
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc. (TX)

Self is reporting an illegal late payment- the amount was current during the CARES ACT FCRA accommodation period, was granted an accommodation, then caught up payments and paid off account. They still show 30 days late payment. 

On XX/XX/XXXX, the president signed the CARES Act into law, which among other things, provides new consumer protections to consumers impacted by the COVID-19 pandemic. 
Section 4021 of the CARES Act amends the FCRA by adding a new subsection ( F ) to Section 623 ( 15 U.S.C. 1681s-2 ( a ) ( i ) ) to the reporting obligations of creditors that provide an accommodation to consumers affected by COVID-19 who have requested accommodations during the covered period of the COVID-19 pandemic. The covered period began on XXXX XXXX, XXXX and ends 120 days after the later of ( a ) enactment of the CARES Act ( i.e., XX/XX/XXXX ) or ( b ) termination of the presidents COVID-19 outbreak national emergency proclamation. 

CARES Act offers the following protections : If the consumer was current on an obligation at the time of an accommodation approval, the account must be reported to CRAs as current if the consumer is complying with the accommodation agreement. 15 U.S.C. 1681s-2 ( a ) ( 1 ( F ) ( ii ) ( I ).

AND If a delinquent consumer manages to catch up during the accommodation period, the creditor or other furnisher must then report the consumer as current. 15 U.S.C. 1681s-2 ( a ) ( 1 ( F ) ( ii ) ( II ) ( bb ). 


Further I have attempted to resolve this multiple times with XXXX, XXXX and XXXX. In XX/XX/XXXX, I disputed this and asked for verification my late payment did not met the CARES Act FCRA amendments
Consumer complaint received 2022-05-26
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. (PA)

XXXX accordance with the Fair Credit Reporting act XXXX Account XXXX 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 2022-05-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify- through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

In accordance with the Fair Credit Reporting Act these accounts listed below, 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 I demand the following accounts be removed immediately : Account Name : XXXX XXXX XXXX XXXX ; Original Creditor Name XXXX XXXX XXXX  Amount : {$2500.00} ; Account Number : XXXX Account Name : XXXX XXXX XXXX XXXXXXXX ; Original Creditor Name XXXX XXXX Amount {$240.00} ; Account Number : XXXX *Please remove all non-account holding inquiries over 30 days old. 

Thank You, XXXX XXXX XXXX
Consumer complaint received 2019-12-12
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. (MD)

At this point XX/XX/2019 I would like CFPB to a full investigation, started from the source ( 1 ) .XXXX  XXXX XXXX XXXX , then ( 2 ). E-OScar then ( 3 ) the credit bureau. By process of illumination, I now believe that E-OScar is responsible for distributing incorrect information, to the bureaus. This XXXX XXXX  account XXXX has never been reported correctly for the last 5 months in all three XXXX, XXXX, EXPERION. 
Look at the attachments you will see the proof!.
Consumer complaint received 2021-10-01
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: Santander Consumer USA Holdings Inc. (GA)

Santander Bank, Doing business as Santander Consumer USA has practiced unauthorized use of my credit card pursuant to 15 usc 1602 ( p ) I received no benefit. Santander Bank is in violation of the Truth in lending act and Fair debt collections act stating that I the consumer allegedly owe debt to them. I have sent this company an affidavit of fact with their listed violations and their racketeering activity such as extortionate of this credit transaction. Pursuant to 18 usc 1961 Santander Bank unlawful actions has cause distress to my life, ruined my reputation, interfered with commerce and dealing in an obscene matter and shall be punished by imprisonment for no more than 30 years and fined {>= $1,000,000}.
Consumer complaint received 2021-10-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: First Federal Credit Control, Inc. (MI)

I had my credit drop 43 point for an account put on my report I did not owe. I disputed this amount and it was removed from my report but the next day the same company First Federal Collections called saying they were going to destroy my credit even more if I did not pay them {$140.00} when I asked for a detailed list of the charges they all of a sudden were not able to produce it and when I threatened legal action they said they would remove the debt. When I contacted who they said the debt was from I was told my account was payed and nothing owed.
Consumer complaint received 2019-12-12
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Mobiloans, LLC (WA)

Over the course of the past year, I have been lent money from XXXX XXXX, which is an unlicensed lender in my state. I have been charged interest rates and other fees that are not legal in my state. I have overpaid my loan by over {$1000.00}. They are an usurious lender that is hiding behind the sovereignty of a tribal nation to avoid legal trouble, clearly.
Consumer complaint received 2019-12-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Complete Professional Recovery LLC (WI)

I was contacted by CPR today wherein they stated I had a debt. I demanded they provide verification of the debt, but they refused to do so and said they were turning sending it to the credit reporting agency. I told them that they are require to verify the debt and advised them that they are required by law to verify the debt. The woman against refused to verify the debt.
Consumer complaint received 2021-10-01
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Better Mortgage, Inc. (VA)

Hello- Recently, we applied for a mortgage refinance with a company and had a bad experience and would like to file a complaint. Here are some details : Mortgage estimate provided on XX/XX/XXXX showed Origination charge ( points ) of {$180.00}. 
Closing disclosure provided on XX/XX/XXXX showed Origination charge ( points ) of {$1000.00}. 

Contacted the mortgage company on XX/XX/XXXX and XX/XX/XXXX regarding the increase in Origination charge from final estimate to Closing disclosure and was unable to get a timely response. Had to postpone the closing/settlement process due to delayed response from mortgage company. 

Explanations offered to date regarding the change in amount : 1 ) Property type changed from single family to PUD in the title search process sometime between XX/XX/XXXX and XX/XX/XXXX. 
2 ) DTI went up by a point from 22 % to 23 % 3 ) Loan amount went from {$390000.00} to {$400000.00} ( which is incorrect and we pointed out ) 4 ) Loan amount decreased under $ XXXX due to pay-off and they mentioned it was not our fault. 

Finally, they offered to extend us a {$500.00} discount for the inconvenience. We are still waiting for our final disclosure and set the new closing date before the rate lock expires on XX/XX/XXXX. 

We are still at a loss as to why we are responsible for the change in origination ( points ) from {$180.00} as quoted in estimate to {$590.00} according to the most recent verbal statement from a representative of the mortgage company. 

Also, we are waiting eagerly for the disclosure to move forward with the process and they seem to be stalling by not answering our calls, returning our voicemail or email messages. 

Thanks.
Consumer complaint received 2021-10-01
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. (VA)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2022-05-26
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)

XXXX accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, DEPT OF ED/XXXX  # XXXX, DEPT OF ED/XXXX  # XXXX and DEPT OF ED/XXXX  # 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 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Consumer complaint received 2021-10-01
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: OPORTUN FINANCIAL CORPORATION (NY)

These accounts don't belong to me. Please remove them from XXXX. Please see below the list of accounts that are reporting derogatory on XXXX. 

1. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

2. Identity Theft OPORTUN/PROGRESO FINAN Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX  XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine