davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-14
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NY)

I took my information, and somehow they got my wrong mailing address on their system they had XXXX XXXX XXXX which is not an existing address at all. my real address is XXXX XXXX XXXX XXXX NY XXXX so i couldnt make payments because i didnt receive any bills or documents. when i realized the issue i contact the bank and they told me they will take care of the issue, and they agreed to take of the late from my reports since the issue was on their end. name of representative was : XXXX XXXX
Consumer complaint received 2021-11-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY (MN)

I have two American Express credit card accounts which ending number are XXXX and XXXX. 
I always pay both accounts on time in the statement balance full amounts to avoid any interest charges by one check with the note " This check is to pay two accounts '' along with 2 payment stubs. 
In this case, XXXX statements, the account # XXXX had the balance of {$99.00} and the account # XXXX had the balance of {$23.00} {$99.00} + {$23.00} = {$120.00} So, I arranged the payment check in the amount of {$120.00} along with the note " This check is to pay two accounts '' as usual. 
The issue started when their staff did not apply the {$23.00} payment to the account # XXXX. 
Even they have issued the {$23.00} refund back to me 4 months later, but they still wanted to rob me by first putting the {$100.00} interest charge onto the account in XXXX and then putting another {$300.00} in XXXX. 
That's mean {$100.00} + {$300.00} = {$400.00} interest charges out of the just as little statement balance as {$23.00} of which later has been proven that because it was their fault of applying the {$23.00} to the wrong account.
Consumer complaint received 2022-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified items listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following items completely from my Credit Reports : XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$3700.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$15000.00}
Consumer complaint received 2021-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX 's credit card did not send statements to me and then XXXX XXXX Credit Card services reported me to Transunion and XXXX for delinquency and my credit score suffered. When I asked from XXXX XXXX Credit Card for proof of mailing of credit card statement, XXXX 's credit card could not produce one and removed delinquency from my account, however another department of XXXX 's reported me again, and sent an email to me ( attached ) stating " Under the Fair Credit Reporting Act, we are obligated to report account history based on factual account data. Standards established in the credit industry ensure integrity of data and uniform communication between credit reporting agencies. ''
Consumer complaint received 2018-09-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I called in to get pay off balance and close my CC account with bank of america. The rep said I owed {$.00}, so I did an online transfer, which she saw, and said I didn't owe anything else and the account was closed. One week later I receive a bill for {$16.00}, so I called and they said I owed the money. I explained what happened when I closed the account, and the rep said the original rep was wrong, and I still owed the {$16.00} regardless. It's not the amount, it's the principal. I was told it was paid off and closed and now they are trying to get more money from me. It's just not right. I've been a good customer with no late payments and good credit, and I don't know what to do.
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2019-07-23
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)

I contacted the credit breau Equifax and advise them my file was mix up with someone elses credit file and I disputed 2 accounts multiple times I even call the creditor and the confirm that the accounts did not belong to me but when I disputed it with Equifax it never got taken off my credit report so I file a FTC report
Consumer complaint received 2021-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Accurate Background (WA)

For a pre employment background check the company Accurate, ran a background check on XX/XX/2021. On the XXXX it was completed and sent to the employer I believe. The background report stated there was an active warrent. The XXXX was XXXX XXXX  so I was unable to verify it this was indeed true. On the XXXX I was able to go to the municipal court and validate this information. There is NOT a current warrent a new courtdate was reappointed for the case. I have documentation of that
Consumer complaint received 2018-09-19
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am trying to dispute wrong information on my transunion credit report. I went online submitted all the information and received a message they can not access my report. I was given a phone number to call XXXX. I tried to call this number ... .was told my credit file is in another department. I was transfered to the next department and they told me they need to transfrer me to another department. I have been transferred 4 times then I finally told the rep that they keep transferring me and I need to dispute an account " XXXX XXXX XXXX '' and XXXX XXXX XXXX XXXX XXXX '' that DO NOT belong on my credit report. These 2 items were to be deleted over 5 months ago. I was told they need to transfer me again. I am submitting this complaint because I can't dispute with transunion this wrong information.
Consumer complaint received 2022-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I reported a credit reporting issue to all 3 credit bureaus regarding XXXX XXXX  reporting incorrectly about a debt, as well as not accepting payment in efforts to remove the negative account from my credit report. 
I have contacted XXXX at least 7 times in the last 10 months ( phone, letter and through credit bureaus ) in efforts to clear a debt that has been reported on my credit report. I do not have the address the company is needing in order to access the account, despite providing all possible addresses I lived at in Arkansas and providing my social security number. The company representatives have refused to transfer me to higher level supervisors in efforts to reach someone who could accept a payment and remove the account from collections. 
After I reported it to the credit bureaus, I received 2 letters stating I need to contact the business at a non-working number that my credit representative has also reached out to with no success. I have called the correct phone number and tried to use the account number and provided the account number from the letter sent by XXXX and Transunion, and nothing from XXXX. The XXXX representatives I have spoken to claim the account number is incorrect and/or does not exist. My credit restoration representative has also exhausted all contact options to reach out to the company with no success of reaching someone who can help. We have tried paying this debt off to delete from my credit report, but they refuse. This specific credit bureau has not helped in solving the issue by providing incorrect information, and this not completing their research and reporting to my credit reports appropriately. This negative credit needs to be removed immediately if XXXX is unable and unwilling to accept payment and all XXXX credit bureaus continue to report incorrect information.
Consumer complaint received 2021-11-14
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)

XXXX XXXX is reporting unauthorized inforomation on my behalf. Under the law permissable purpose any consumer reporting agency may furnish a consumer report under the following cicumstances and no other. This company is reporting a bankruptcy. In accordance with the written instructions of the consumer to whom it relates. This is under the US code 1681b ( a ) ( 2 ) Permissible Purpose. I have not given XXXX XXXX any permission to do the following. XXXX XXXX is reporting information to XXXX and Experian which is in direct violation to me according to the above stated law. Due the violation of this law XXXX and Experian are also in violation of this law. Failure to have this information deleted will result in me filing a law suit.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (IN)

Discover has flagged my credit report with several late payments and my account is set up on auto pay. 

but furthermore, please see below. 

15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments.

A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Consumer complaint received 2023-08-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SYNCHRONY FINANCIAL (NY)

My complaint is about synchrony bank. The current issue is for a loan from Synchrony for a XXXX recreational vehicle. The same exact thing happened when I had a loan through synchrony for a XXXX recreational vehicle, which paid of and was paid off far in advance of the loan term. 
For my current XXXX loan I always recieve my bill in the mail between the XXXX and XXXX of the month. The due date is the XXXX of the next month. I always write the check the same day I recieve the bill, and mail it out that evening, on my way to work the next morning, or during lunch, or on my way home from work. Today Synchrony called me at XXXX to collect a payment and late fees from me over the phone saying that they have not recieved my payment. This same exact scenario happened when I had the loan through Synchrony for the XXXX. I suspect that they purposely create this scenario in order to try to collect more fees. They purposely mail the bill out just in the nick of time to get to my house so that i have to make sure to write the check and mail it out the same or next day, hoping that it will be delayed in the postal service so that they can try to collect more fees. What supports my theory is that this day and age, they do NOT offer a way to pay the bill online like literally every other financial instiution in the United States of America. They offer to let you pay over the phone, for an extra fee of course. Even tiny little county banks and my single branch employees only credit union offer online access now days. If you view my credit history and exceptional score, you will see that since my first loan the age of XXXX, XXXX  years ago, I have only ever had one late payment due to a mail delay. And every single loan has been paid off far in advance even the only loan that had a late payment.
Consumer complaint received 2024-04-09
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: BlueChip Financial (GA)

Needed to change due date, they say I agreed to the XXXX but I dont get paid until XXXX. Contract doesnt remain in email so I have no proof just their word. They called as promised to change the date but only at a {$6.00} increase for 2 days later. Im current and havent missed a payment since I entered this contract. This is already a ridiculous high interest loan that I use when I need immediate cash. I see no reason to penalize me for 2 days as I asked for payment to be moved to the XXXX after they said my payment would change if moved to the XXXX. When will these companies be forced to do reasonable business instead of take advantage of law abiding citizens. Im sick and tired!!!!!!
Consumer complaint received 2021-11-14
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: Prosper Marketplace, Inc. (CA)

I had a loan consolidation which required that payments be suspended during legal negotiations. This loan company was referred by the original lender and I had not missed any payments. The loan consolidation process began in XXXX of 2018, for the amount of {$8300.00}, and I have a signed document attached from XX/XX/2018, affirming the loan consolidation was authorized as agreed. After the loan consolidation was complete the late payments showed on my report so I contested them starting on XXXX of 2018 when I became aware of the late payment being reported. I confirmed with both the original lender Prosper , Inc., and the loan consolidation firm XXXX, Financial, that I should disregard the late payments being reported and it would all be taken care of once the loan settlement negotiations concluded. I was informed to sign a power of attorney agreement to facilitate this process, which I completed on XX/XX/XXXX of 2018. I have included a copy of such an agreement, as well as copies of all other emails involved with the loan consolidation process. 

I have made repeated contact with Prosper and XXXX XXXX, in each instance they affirmed that the issue would be taken care of. I also hate a letter from XXXX certifying that I have made all payments for this loan on time. Prosper 's reporting of payments as late even after the loan consolidation process completed on XX/XX/XXXX of 2018 demonstrates they were acting in bad faith and either willfully or negligently reporting information regarding payment information. There is XXXX legitimacy to any claim of late payments by me after that date, as XXXX XXXX had officially claimed ownership of that loan balance on that date as certified by the email, and all my payments to them were on time. 

I attempted to correct this with XXXX, XXXX, and XXXX, and have waited for over a couple years now, but so far no corrections have been made. Therefore, I am talking action here to get the issue corrected as it is a strong impediment to my financial opportunities.
Consumer complaint received 2019-07-29
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. (GA)

On XX/XX/2019, I got a notification from my XXXX  protection with Experian that an inquiry for credit with XXXX card had been made. I never applied for credit with XXXX. I immediately called XXXX, which cancelled the application. They sent me a letter stating they will request the credit agencies to remove the inquiry. After several more calls to the credit agency and XXXX the inquiry has not been removed. XXXX and the credit agency is blaming the other for it still not being removed. XXXX and Experian are the only XXXX showing the inquiry. XXXX state they do not accept inquiry disputes from consumers. They refuse to accept the letter XXXX XXXX sent to me. As of today, XX/XX/219 I'm continuing to have an issue with this, I'm ready to buy a car but the inquiry is causing me to be XXXX point from getting a top tier interest rate.
Consumer complaint received 2022-05-20
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)

My auto loan with XXXX XXXX XXXX. Account # XXXX it was 30 days late. This account was opened on XX/XX/XXXX. And the late payment was in XX/XX/XXXX. 

In accordance with the fair credit Reporting act XXXX Account # XXXX has violated my rights. 
15 USC 1681 Section 602 States. I have the right to privacy. a account 15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose
Consumer complaint received 2021-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

TransUnion, Credit Reporting Company, When viewing my TransUnion Credit Profile today, Sunday, XX/XX/XXXX, under " Account Summary, '' TransUnion reports one ( 1 ) Delinquent Account. I reviewed my TransUnion Credit Profile to find one ( 1 ) Delinquent Account and zero ( 0 ) of the Accounts on my TransUnion Credit Profile show a " Delinquent '' Status.
Consumer complaint received 2024-04-09
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL (VA)

In XX/XX/2023, I took out a medical loan with Synchrony Bank\Care Credit . Although I had good intentions to pay this debt back, I experienced several hardships ( Loss of employment, relocation required with short notice, etc. ) and I was unable to pay the debt. However, now I am settled and I do wish for the opportunity to get on a payment plan with Synchrony Bank\Care Credit . My account # is XXXX and I am seeking payment plan arrangements. I have reached out to them but have not heard back regarding payment plan arrangements.
Consumer complaint received 2019-07-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: U.S. BANCORP (UT)

on XX/XX/XXXX my husband and I went to XXXX XXXX  to get our 2004 tax bill reviewed and our tax specialist gave us a letter to send to the IRS it was nothing more complicated he said he was billing us XXXX  dollars for the consultation however we noticed the next day he had charged our debit card for {$170.00} which is XXXX  dollars more than we agreed to, I called him to get some explanation of these charges and he had to call me back then texted me to apologize an said he couldn't reverse the charges and I would have to have my bank reverse the charges then he could bill me the correct amount so I went to the bank who gave me a temporary refund of the XXXX but after their review of the info im guessing he didn't admit to what he did because the bank now says they cant refund me for his services they're letting him charge me the XXXX dollars that will be again billed to me on XX/XX/XXXX this is insanity also im not entirely sure but we may have also paid him again the XXXX  after we were refunded so he may be getting away with almost XXXX for what should only ever been XXXX  his name is XXXX XXXX at XXXX my bank id us bank at XXXX is diret line to XXXX at card sevices who denied my claim I need help and soon they cant charge me so much more than was agreed to how can they do this no he didn't give us a receipt either didn't think we needed one XXXX XXXX  never tried to rob us before so we left there feeling pretty safe I guess you never know it can be anyone we were at XXXX  on XXXX XXXX in XXXX this guy also works at the XXXX XXXX in XXXX Utah please help me I don't want his services free I was happy to pay the XXXX  I do not want to pay any more than I owed him
Consumer complaint received 2024-04-09
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: PENTAGON FEDERAL CREDIT UNION (AZ)

I applied for HELOC and on XX/XX/2024, I received a request for information with a deadline of XX/XX/2024. I provided all the required information plus many more documents. On XX/XX/2024, I received a notice Notice of XXXX XXXX. I sent an email to XXXX XXXX XXXX and XXXX XXXX but they were not responsive.