davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-14
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (TX)

I am being charged late fee 's on my Lowe's/Synchrony Bank credit card . I did call customer service and they can not reverse all the late fee 's. I entered into a contract to have a fence installed. I was given a promotional offer of 84 months fixed payments and deferred interest on the fence installed which was contracted XX/XX/XXXX. I make my payments on the first of each month and each month I am being charged a {$40.00} late fee. The first fee I was charged was {$29.00} back in XX/XX/XXXX and they took that off. Then I started to receive late fee 's in XXXX and XXXX. I contacted customer service and they told me they could only reverse on of the {$40.00} as a courtesy. I was told that I was paying my bill before the billing cycle of each month. Since when is paying your bill before the billing cycle considered late? I do it with all my bills and never had a problem. 
XX/XX/XXXX I paid {$130.00} and was charged a XXXX late fee XXXX XXXX. 
XX/XX/XXXX I paid {$130.00} and was charged a XXXX late fee XX/XX/XXXX XXXX XXXX I paid {$130.00} and I will be charged a XXXX late fee on XXXX XXXX. I am retired and on a fixed income. I get my pension on the first of the month and that is when I pay all my bills. I paid them {$1000.00} on XX/XX/XXXX and wasn't charged a late fee. Also, I am being charged interest every month and the interest is supposed to be deferred. Any help would be appreciated.
Consumer complaint received 2021-05-14
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (FL)

MCM ( I have no idea what bank that stands for ). Keeps calling looking for someone that is not me. For months and months and months. They have repeatedly told me they are not going to call anymore but continue to do so. XXXX XXXX was the latest employee to call me.
Consumer complaint received 2021-05-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (PA)

the Creditor XXXX XXXX XXXX  XXXX XXXX Has been trying to collect {$3100.00}. from XXXX for unpaid rent for an apartment that my father had leased. My name is not on the renewal of the lease and I did not live there.
Consumer complaint received 2019-07-01
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: EQUIFAX, INC. (NV)

Credit Bureaus report this account XXXX XXXX XXXX twice..The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. They also did not give me an explanation as to why they have to report it twice.. CFPB please step up and fix this ASAP..
Consumer complaint received 2022-03-27
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. (SC)

In accordance with the Fair Credit Reporting Act XXXX  Accounts, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2019-07-01
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Bread Financial Holdings, Inc. (MI)

I have a credit card debt with XXXX. Im not sure the date on that but its been a couple years. XXXX I believe. They call from different numbers every day. I call back and tell them to leave me alone when I have the money I will pay them. I have tired this, I have tried to actually pay them and they try to take more then what I owe. They call all the time and leave threatening voicemails from different numbers telling me that they are taking me to court that if I dont give them the money I will have legal action taken against me.
Consumer complaint received 2019-07-01
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA (NE)

End of Lease notice emailed on XX/XX/2019 showing amount owed. Check for {$460.00} cashed by Hyundai capital by electronic check on XX/XX/2019. The letter from XX/XX/2019 stated that the funds needed to be paid within 15 days. I received an additional notice that the account was not paid via text. I called back on XX/XX/2019 and explained the check had been cashed on XX/XX/2019 and they explained they posted the payment to the wrong account on XX/XX/2019. I said I did not want this to reflect poorly on my credit since it was the company 's error. I was told they would get it reversed and show that it was paid on time. This did not happen and my credit report is showing a delinquency that is paid. I want this removed as it was not my error and was paid in a timely fashion. On XX/XX/2019 I spoke with XXXX XXXX, Senior Customer Service Manager and he explained that all the notes reflect what I have stated in this complaint and that they are not able to do anything at the customer service level since they are not credit report experts. I explained that I wanted them to reverse their error so the credit report would be updated and I was told they are only able to file an investigation to see what is already in their system as a company error. I was told this can take up to 30 days and they would not send me anything in writing that I would have to call back to check on the status or if I saw it was reversed on my credit that would be proof it was done. This is not acceptable.
Consumer complaint received 2022-04-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

Disputed the following unknown inquiries that I did not authorize that still havent been removed from my Transunion credit report : XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX
Consumer complaint received 2019-07-01
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: Experian Information Solutions Inc. (FL)

id theft victim. please remove these accounts due to fraud 1 ) XXXX XXXX XXXX XX/XX/2018 {$390.00} 2 ) XXXX XXXX XXXX XXXX XXXX closed XXXX XXXX balance {$1800.00} 3 ) dept of ed/XXXX {$36000.00} 4 ) Dept of ed/XXXX  {$36000.00} 5 ) XXXX/XXXX  {$4600.00} 6 ) XXXX  XXXX XXXX {$3700.00} 7 ) XXXX XXXX XXXX   {$3700.00} 8 ) XXXX XXXX {$3600.00} 9 ) XXXX XXXX
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2021-05-14
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: MARINER FINANCE, LLC (TN)

I called the company ( Mariner Fiance ) the moment I notice this account on my credit report. I first asked the company who were they and what is it that they do exactly, I was told that they do unsecured and secured loans. I then informed them that I noticed that there company has an activity on my account and I have never done business with them. I gave them my information and told them I was a victim of identity theft. I was then told by the company that they were going to look into what happened and remove the account. They never did. I have been disputing this account for a while now.
Consumer complaint received 2018-07-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: AMERINATIONAL COMMUNITY SERVICES, INC. (FL)

Back XXXX i sent out a letter concerning payments with this mortgage company and they sent me out a letter stating that due to the hurricane Erma that they would revise XXXX, XXXX, and XX/XX/XXXX and it is still reporting inaccurately on my credit report and I would like it to be adjusted on all three bureaus letter in attachments. Also I sent out a letter stating due to family crisis financial burden that I needed 3 payments prior in XXXX and XXXX to be modified and supporting documents and dates are listed in attachments as well. I was told any letters or concerns with payments should be sent to XXXX and I have done so with no responses or feedback on emails.
Consumer complaint received 2022-04-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (CA)

On XX/XX/XXXX I received a letter from Barclays Bank, indicating that my Barclaycard Financing Visa card Account is 3 months past due. My XXXX account records, showed, however, that I had been making payments of {$250.00} each in XXXX, XXXX and XXXX of XXXX. I talked to Barclays representatives approximately 5 times after XXXX. Finally, I talked to their Resolution Department ( XXXX ) who told me I should send them a voided XXXX check and my online records from XXXX showing each of the payments to Barclaycard. On XX/XX/XXXX, I sent an additional {$500.00} over the phone so that I would be able to close the account. On XX/XX/XXXX I called again and sent my documents to their e-mail ; they ( XXXX XXXX told me I would get a phone call in 2 days, which did not happen. I called again on XX/XX/XXXX ; nothing happened. I asked XXXX to send me detailed records of their 3 payments. I sent these records in XXXX to the e-mail given to me ( XXXX ). I received a letter dated XX/XX/XXXX indicating that they would respond in 45 days. On XX/XX/XXXX they ( XXXX ) opened case # XXXX. In XXXX I received a phone call asking me to pay more than {$800.00} ; when I called, their system was down, so they asked me to call them later.
Consumer complaint received 2021-05-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (KS)

I observed an unauthorized charge on my account with a posting date of XX/XX/XXXX ( see attached statement for XX/XX/XXXX ). The charge was for a cancelled subscription service. The service was cancelled in XX/XX/XXXX because the service was no longer being used. The subscription was for XXXX XXXX XXXX. I immediately contacted Citibank via the credit card web site. In XX/XX/XXXX, I received a letter from Citibank replying that the dispute inquiry was received and was being investigated. The letter further stated that I am not required to pay the disputed amount including interest charges or fees while the dispute is being investigated. I have not received any additional correspondence from Citibank regarding this issue. The XXXX statement that I received yesterday has interest charges and is requiring that the disputed charge be paid by XX/XX/XXXX or additional late fees and interest will be incurred XXXX see attached ). This charge was not authorized and Citibank is requiring that the unauthorized charge be paid. Citibank is threating with additional charges and negative reporting to the credit bureaus for me not paying this unauthorized charge. Futhermore, the credit card is expired, so how can unauthorized charge been incurred anyway. Thanks. I sincerely appreciate any help that you can provide in this matter. Citibank has failed to respond to several attempts to contact them both in writing via USPS correspondence and messages left through the credit card account web site.
Consumer complaint received 2021-05-14
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (CA)

Equifax continues to report fraudulent information. The chargeoffs are not mine and belong to someone else. I never gave Equifax consent to report XXXX XXXX XXXX, and XXXX XXXX on my credit report. According to USC 1681 ( b ) a consumer reporting agency can only furnish something in accordance with the written instruction of the consumer to whom it relates. Block and remove these reports as I have right to privacy as a consumer.
Consumer complaint received 2019-07-01
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Merchants and Professional Bureau, Inc. (TX)

Requested HIPPA consent and proof I owe a debt. All that was sent to me was a statement with no signature or consent form by HIPPA to release my private information to a debt collector. Also, I see medical charges charged that do not belong to me based on their medical coding from the original Creditor. I clearly requested a HIPPA consent and proof I owe the debt. All evidence is attached to this complaint.
Consumer complaint received 2022-04-10
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southern Management Systems Inc. (FL)

I subleased an apartment before I moved back to XXXX. I was not responsible for any payments on the apartment because everything was set up wit XXXX XXXX Apartments before I left. I attempted to reach out to XXXX XXXX but they are no longer there, it is now a different neighborhood. This debt was originally reported to my credit in XXXX as {$730.00}. As of XX/XX/XXXX, it is {$310.00} so now Im confused on the inconsistencies and no one is reaching out to me with any updates in regards to what is going on. I wasnt aware an debt was even reported until XXXX when I was looking at a deeper credit report and then I checked my credit report again today and the balance is different but no one told me anything. I received a letter in the mail with the new balance asking me to pay from Southern Management Systems , Inc but this is the first communication I have ever received from them and I still dont know how the balance has gone down when I dont owe anything. 

I have all of the documents from when the apartment was sublet. 

I would really appreciate this situation taken care of and removed from my credit.
Consumer complaint received 2015-09-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Asset Management Outsourcing, Inc. (ME)

Just looked at my report and see this account I there never had a right to dispute letter and never was notified of the debit in question I did have uscell but it did n't work in my area so I cancelled itunder fair credit report act I must have right to dispute letter before posted on my report this had broken the fair credit act
Consumer complaint received 2018-08-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Windham Professionals, Inc. (OH)

Yes I sent out a letter stating want verification if the debt. On the right amount. I'm willing too offer then a settlement. I'm on XXXX in XXXX. Going thru hardship right now with bills. Again I'll settle. But for less owed. Again I'm on XXXX.w willing too work with them
Consumer complaint received 2022-04-10
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: WELLS FARGO & COMPANY (NY)

I received a letter from Wells Fargo informing me I had applied for a credit card. I did not apply for a credit card. I called Wells Fargo and spoke with several representatives. I asked only that they not issue any card in my name. Instead, they sent me a letter telling me if I did not send them a notarized declaration that they would open the account. 

I have put fraud alerts on all three credit services. I have contacted 4 other banks/companies who also received applications in my name. They all froze the accounts or told me they would not issue the cards.

I believe Wells Fargo has a financial interest in opening as many accounts as possible, and this may very well be a scam in which they open accounts without the consent of the consumer. 

Thank you for whatever help you can offer.
Consumer complaint received 2016-02-18
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (PA)

I was offered to have an XXXX citi card as there are no international fees if you use the card overseas. Bought my tickets with the card after i got approved. Before I leave the country I filed a travel notice and was provided a ref. no for it just so I could use the card. The consultant I spoke to assured me that my card is goodcto use. I tried using the card to make a purchase 5 days after but it got declined. So, I pulled up my account online and saw that there was a fraudulent hold placed on my account as I was overseas. Called citibank and spoke to different consultants and managers but no ones seems to know how to help me. They ask me for my personal informations like account password, date of birth, social security no. and banking information but they said they cant release the hold as they cant verify my phone no. as it was a prepaid phone.They did n't even tried to offer any other resolution as i was overseas. They finally told me that I need to go back to U.S. to fixed the enquiry. I spent probably almost 6hrs on the phone, trying to be nice and patient but none of them was being helpful. They keep on putting detailed notes of resolutions that they didnt do making me look bad everytime I would call them. Now, they would talk to me in a rude manner asking me to fax my infos ( such as social security card, Driver 's license, Permanent resident card, proof of billing etc. ) to them which clearly wouldnt work as I 'm overseas without access to fax and is using a local philippine mobile no. I want to now make a formal complaint as this was not my fault to begin with. The agent i spoke with put notes on the account about the travel notice but failed to apply the travel notice itself on my account and still they wouldnt accept it as their fault and release the card.
Consumer complaint received 2022-04-10
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. (VA)

I DID NOT AUTHORIZE OR NOR CONSENT TO THE FOLLOWING INQUIRIES BEING FURNISHED ON MY CONSUMER REPORTS! XXXX - XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX.
Consumer complaint received 2021-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (CA)

After numerous requests, Equifax fails to take an account off that IS NOT a good standing account off my credit file. The account is 8 years 9 months old. On top of this, the information they are reporting is incorrect. They have the first day of delinquency as XX/XX/XXXX but on their own payment history report, it states that XX/XX/XXXX it was 60 days late so how could my first date of delinquency be XX/XX/XXXX even in their own report? I contend my first date of delinquency was in XXXX. They are inaccurately reporting this account. I have requested they investigate and remove but all I get is the generic response ' Account verified as accurate '.
Consumer complaint received 2019-07-01
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: EQUIFAX, INC. (CT)

I was victim of identity theft and filed a dispute with 3 companies and hard credit inquiry that didnt come off my report and XXXX credit card in my name as well. they didnt remove anything from my report.
Consumer complaint received 2023-11-29
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CLGF Holdco 1, LLC (CA)

since XXXX since my XXXX XXXX XXXX ended I've asked on a recorded call to have XXXX forms mailed to me house ( intially i asked for unemployment and changed to XXXX ) not only are they still mailing employment forms instead of XXXX they are mailing it to my XXXX XXXX instead of my house after requesting it be mailed to my house 5x!!!! all late fees needs to be waived and courtesy payments needs to be paid for the duration i didn't receive proper documentation asked for. and reported to bearus ACCURATELY
Consumer complaint received 2022-04-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

DID NOT AUTHORIZE OR NOR CONSENT TO THE FOLLOWING INQUIRIES BEING FURNISHED ON MY CONSUMER REPORTS! XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2022-04-10
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (CO)

Navient is not allowing me to make automatic payments. 

This is the popup I receive when attempting to use the auto pay : Were sorry you cant enroll in Auto Pay at this time. 

I have been making periodically payments to Navient. 

I'm receiving notices in the mail from a debt collector regarding my Original Creditor : Sallie Mae Bank, Current Creditor : Navient. 
The debt collector is : XXXX XXXX XXXX, XXXX, they are offering to settle my debt. 

Please provide me with information on how I should proceed. 

Thank you,