davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-22
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (AK)

I have a Lowes Advantage Credit Card issued by Synchrony Bank, Acct. On XX/XX/2021 a promotional interest was added to my account in the amount of {$2500.00}. 

1. On XX/XX/2021, I called Lowes to inquire about the interest charge and was informed that the interest charge related to a promotional balance that was not fully paid by XX/XX/2021 and that I had a 30 day grace period to pay the promotional balance and avoid the promotional interest. While on the phone with the representative I made a payment of {$2700.00} ( more than the promotional balance ) and was informed the promotional interest would be removed. I was verbally informed my new balance was just above {$3000.00}. 

2. On XX/XX/2021 I noticed that the promotional interest had been deducted and added back to the account in two separate transaction, having the effect of not removing the promotional interest. I again called and was informed it was removed. 

3. The same scenario occurred on XX/XX/2021 with the effect of not removing the promotional interest rate. 

4. See also XX/XX/2021. Each time Lowes/Synchrony Bank deducts the interest and simultaneously adds the same interest back resulting in the original promotional interest remaining on my account. 
For this scenario to repeatedly occur does not appear to be accidental.
Consumer complaint received 2022-06-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Social Finance, Inc. (NJ)

Morning I received three copies of SoFi credit card past payment due letters. I disregarded the first two as a mistake. I checked my credit report today and saw amount past due. In the past I received several notices by US mail to apply for a loan from So Fi, which I did not. 

Thank you
Consumer complaint received 2022-06-15
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. (VA)

In accordance with the fair credit reporting act my rights have been violated by fair collections. 

15 U.S.C 1681 602 A. States I have the right to privacy 15 U.S.C 1681 604 A. Section 2 : It also XXXX consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-06-15
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. (FL)

In accordance with the Fair Credit Reporting Act the following companies below XXXX & XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX Account Number Account Number 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 an account without my written instructions.
Consumer complaint received 2019-03-25
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (GA)

Hello my name is XXXX XXXX, I am filing this report due to a loan that was reported on my credit report recently I really do not have any knowledge of this account all I can say that it was told to me by Onemain Financial that the previous lender for this loan was XXXX XXXX the Account number was giving to me by OneMain is XXXX and that they brought this loan from XXXX they also told me that they brought the loan which is {$14000.00} and my payment was {$500.00} a month they also told me that this loan was open in XX/XX/2002 had no connection with XXXX are Onemail Financial so I am asking CFPB to contact them for me for clarification thanks.
Consumer complaint received 2022-06-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (VA)

Wells Fargo apparently puts a limit on the number of payments I can make from my non-Wells Fargo account. They tell me I must open a Wells Fargo checking account or call in to make my payment. This is discrimination based on where I make my payments from. I make my payments on time, so why should I be limited in what account I use to pay the card with? 

I have NEVER had this issue with any other credit card company.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I want to emphasize that I did not authorize these accounts, and their existence is causing me considerable distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report.
Consumer complaint received 2022-08-26
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. (TX)

I want to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any items listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2015 XXXX XXXX XXXX  XXXX XXXX Balance : {$14000.00} XXXX  XXXX Balance : {$52000.00}
Consumer complaint received 2019-03-25
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 — Investigation took more than 30 days
Company: SELECT PORTFOLIO SERVICING, INC. (MD)

On XX/XX/18 SPS Servicing assumed our loan from XXXX XXXX XXXX. with the original loan terms still in place : Conventional 5/1 ARM, no escrow account and tied to the LIBOR. Our loan was transferred in good standing and was a simple transfer. 

Our loan has never been late and since transfer to XXXX XXXX, and due to their poor reputation as a debt collector, I have paid my mortgage early every month and in excess of the balance due. 

SPS has reported false and damaging loan terms which I was unable to fix through normal CRA disputes. In violation of the FCRA, SPS has reported our loan to all 3 Credit Bureaus with false remarks : LOAN MODIFIED NonGovt, Loan Modified and including purchase money first. When I disputed this false reporting, it was verified by SPS as accurate. 

My mortgage was sold by XXXX XXXX XXXX. and this loan was not a requested transfer. Furthermore, I contend that because we have nearly perfect credit scores of 820+ FICO 9, SPS Servicing reported false terms to lower our credit and attempt to retain us as a long term client by lowering our score. 

The reporting of Loan Modified on a credit obligation is considered a derogatory indicator by FICO Score 9 ( and within the auto and bankcard versions of FICO Score 9 ) and would trigger the negative score factor You have a serious delinquency ( 60 days past due or greater ) or derogatory indicator on your credit report. to surface. This particular narrative ( Loan Modified ) first became available in the XXXX data when FICO Score 9 was developed.

Due to this false comment, SPS has negatively impacted our XXXX FICO Score 9 causing a drop of 100 points for XXXX XXXX and 69 points for XXXX XXXX. Our previous FICO 9 scores were XXXX and XXXX on XX/XX/18. Now they are XXXX and XXXX respectively. 

SPS FAQ specifically states : Will the terms and conditions of my mortgage change because of the transfer? This transfer does not affect any terms or conditions of your loan documents other than terms directly relating to the servicing of your loan
Consumer complaint received 2022-06-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc (GA)

On XX/XX/2022 I sent {$580.00} to my sister using their Pay Anyone feature. I sent the money to my sister XXXX XXXX by imputing her phone number, and I made sure it was the correct phone number to ensure the money went to the right person. After sending the money, my sister and I found out that a stranger name XXXX XXXX made a Chime account using her phone number and they had stolen my {$580.00}. My sister was receiving the Chime notifications that money was sent to this strangers account. On XX/XX/XXXX Chime Denied my claim saying there was no proof of any wrong doing. On XX/XX/XXXX I sent my sisters phone record information from her cellular account to prove that the number belonged to her and not the stranger XXXX XXXX. On XX/XX/XXXX Chime still denied my claim. I wasnt never provided any provisional credit during the investigation and Im in the process of being XXXX that was my rent money.
Consumer complaint received 2021-10-22
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION (UT)

1.I have a conventional first mortgage with Mountain America Credit Union that I opened on XX/XX/XXXX. 



I always made my payments on time. In XX/XX/XXXX we had trouble making our payment due to COVID. We reached out to the credit union and informed them the payment would be late and we made the payment on XX/XX/XXXX of {$1500.00}. This was the payment that was due in XXXX. Without my knowledge, the credit union did not follow the Care Act and marked me 30 day late on my credit report in XX/XX/XXXX. 



Recently I got a job in a near bye city. Since the commute is long, we decided we wanted to sell our home and purchase another one closer to work. When I applied for the new mortgage, we found out about the 30 day late. I was surprised since I know the Cares Act does offer relief for COVID related issues with making your mortgage payment. I reached out to my credit union to inquire as to why they were not following the Cares Act and they would not give me a straight answer and required me to submit a dispute online. I could not talk to anyone and after waiting for weeks I got a letter in the mail saying they are not going to change any of my reporting.
Consumer complaint received 2018-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Prosper Marketplace, Inc. (TN)

This is not a joke, Prosper Marketplace has used my dispute against me and is trying to shake me down for money, and has now doubled my balance owed in just one month and now is reporting late payments every month. Back in XXXX, I contacted Prosper Marketplace to let them know about their reporting issues on my personal credit reports was inaccurate- and they said they would investigate ; but instead they contacted the credit bureaus and told them I owed DOUBLE the original amount!!, and that I needed to pay or " handle this matter '' ASAP!! This really happened and I can't imagine how many laws were broken in trying to shake me down. Prosper marketplace is now reporting a balance of {$6600.00} on a loan they state I personally received in 2011 for {$3400.00}. I couldn't believe it so I reached out further, and their ( Prosper ) only answer was to state that they sent me an " identify theft package '' to help me. Prosper is the one who is using my identity incorrectly!
Consumer complaint received 2022-02-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION (OH)

The issue carge in question is : XX/XX/2022 XXXX  Debit - XXXX  XXXX  XXXX  XXXX - XXXX XXXX XXXX  - {$1500.00} This is for my debit card ending in XXXX for checking account XXXX. Reason for dispute is credit not processed / order returned. 

The actual issue is that Navy Federal fails to process refunds for my charges when XXXX refunds me. I have emails from XXXX stating I was refunded. After weeks of no refund, I contact Navy Federal to do a chargeback. But they never initiate a chargeback and instead let it sit until it expires on their end. 

On XX/XX/2022, I placed order XXXX with XXXX XXXX XXXX was for an XXXX XXXX computer. I returned the order to XXXX on XX/XX/2022 via XXXX XXXX. 

I have an email from XXXX stating they have refunded me, but as of XX/XX/2022, no refund has been credited. XXXX states I was refunded, and Navy Federal fails to help in any way.
Consumer complaint received 2021-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

XXXX, Experian and XXXX have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts On XX/XX/21 please be sure to enter dates that all letters were sent. 

Due to no response for more than 60 days I would like these accounts removed from my credit Report
Consumer complaint received 2021-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX, XXXX and Transunion have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts On XX/XX/21 please be sure to enter dates that all letters were sent. 

Due to no response for more than 60 days I would like these accounts removed from my credit Report
Consumer complaint received 2018-04-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Amsher Collection Services, Inc. (MD)

I have no knowledge of who this company is or what this debt is. I have never received a letter or a telephone call from this company that I owed this debt or that it was being reported to the credit bureaus which is a violation of FDCPA 809 ( a ). This debt just popped up on my XXXX and XXXX  credit reports. I was never given the right to dispute it or validate it or anything. Therefore I am requesting that it be removed from both of my credit files immediately.
Consumer complaint received 2022-06-15
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (PA)

I took out the loan through Sallie Mae in XXXX for my daughter. Along the way, the loan moved to Navient. I was encouraged to place the loan in forbearance and this happened several times in the past XXXX years. My original loan amount was {$18000.00} and I am now being informed that I owe an {$30000.00}. I did not understand the implications of placing the loan in forbearance and was encouraged by the Navient team to do this. In addition, due to the accumulating interest, I have been unable to keep up with the payments and my co-signor has been receiving letters from Navient. Needless to say, I feel that this is an invasion of my privacy and very upsetting. I feel that I qualify for the Navient lawsuit and want to be included to receive a discharge of this amount owed.
Consumer complaint received 2018-10-17
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: EQUIFAX, INC. (MN)

XXXX XXXX XXXX XX/XX/2017 XXXX, IL XXXX Hard inquiry - Needs to be removed Not authorized XXXX XXXX XXXX XX/XX/XXXX and XXXX XXXX XXXX XXXX, IA XXXX Hard inquiry - Needs to be removed not authorized XXXX XXXX XXXX XX/XX/2017 XXXX XXXX, MI XXXX Hard Inquiry Needs to be removed Not authorized XXXX XXXX XX/XX/2017 XXXX MN XXXX Hard Inquiry Needs to be removed not authorized XXXX XXXX / XXXX XX/XX/2017 XXXX XXXX, MN XXXX Hard Inquiry Needs to be removed not authorized XXXXXXXX XXXX XX/XX/2017 XXXX XXXX, mn XXXX Needs to be removed not authorized hard inquiry XXXX XXXX XXXX XXXX XX/XX/2017 XXXX XXXX CA XXXX XXXX XXXX, MN XXXX 2 on the same day - Please delete hard inquiry not authorized XXXX XXXX XX/XX/2017 and XX/XX/2017 XXXX XXXX XXXX XXXX TX XXXX Hard inquiry please delete not authorized XXXX XXXX XXXX XXXX TX XXXX Hard Inquiry needs to be deleted not authorized XXXXXXXX XXXX XXXX XXXX XX/XX/2017 XXXX LA XXXX Needs to be deleted not authorized XXXX CO Dual Card XX/XX/2017 XXXX, FL XXXX Needs to be deleted not authorized XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2017 Not authorized Needs to be deleted.
Consumer complaint received 2022-06-15
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)

ACCOUNTS ARENT MINE, NEVER AUTHORIZED THOSE ACCOUNTS TO BE OPENED. 

XXXX ( Miscellaneous ) XXXX XXXX, XXXX XXXXXXXX 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 XXXX XXXX XXXX
Consumer complaint received 2022-06-15
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)

ACCOUNTS ARENT MINE, NEVER AUTHORIZED THOSE ACCOUNTS TO BE OPENED. 

XXXX ( Miscellaneous ) XXXX XXXX, XXXX XXXXXXXX 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 XXXX XXXX XXXX
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This letter is a formal complaint that you are providing incorrect and incomplete credit information. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are obligated by federal law to verify any and all accounts that you place on a credit report through physical verification of the original signed consumer contract. Otherwise, anyone who pays for your reporting services may open a phony account via fax, mail, or email.
Consumer complaint received 2023-01-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (IL)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc (IL)

I received a collection notice from PayPal in XXXX of XXXX stating that I owed {$30.00} on an account. When I further researched this issue it was noted that this was a fraudulent account created using my maiden name and current address. The collection agency was able to verbally verify that they sent a flag alert to PayPal regarding this account and I reached out to XXXX Identity Theft Protection to submit a claim. Since XXXX my XXXX agent and I have called PayPal numerous times and each time we get a different PayPal agent who gives us the run around. We were told on several conversations that we would be getting an email confirmation that the fraudulent account was closed and then each time we call back we are told they can not provide us with the information. I am looking to get written confirmation that the account in question was closed and that I will be released from any financial responsibilities from this identity theft.
Consumer complaint received 2018-10-17
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Lloyd & McDaniel, PLC (TN)

I have been summoned to court by this law firm. I have requested debt validation and when I called to speak with the lawyer about a settlement on XX/XX/2018 at XXXX Central I was speaking with someone who could not help me. She explained that my file was locked and she could do nothing about it. I explained that I understand the policy but can I then speak to the attorney handling the case. She said that she could transfer me to a manager. I explained that I wanted to speak to an attorney, I asked if she worked for the law firm and could she just transfer me to an attorney. She then transferred me to a " manager '' that is just a voice mail. So far I have had no chance to communicate with the actual attorney handling my case and have been passed around call centers acting as the attorney.