davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-17
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: LendingPoint Holdings LLC (TX)

There are a couple of things that I have concerns with regarding Lending Point. 

Called my cell and developed right party contact and then called back with my employer number as caller ID Called my work phone with my employer caller ID Added over a {$300.00} dollar late payment on account, no statement available online Can't make a partial payment online Can't change when you want funds withdrawn online ( just day setting up payment ). 
No access to the loan agreement online
Consumer complaint received 2021-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT. 
XXXX-Date of inquiry XX/XX/2020 XXXX XXXX-Date of inquiry XX/XX/2020 XXXXDate of inquiry XX/XX/2020 XXXXDate of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020
Consumer complaint received 2018-11-22
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. (CA)

I am a victim of identity theft and I write to dispute certain information in my file resulting from the ID Theft. I have attached the items I dispute on my credit report. The items I am disputing do not relate to any transactions that I made or authorized.
Consumer complaint received 2018-03-12
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL (TX)

I have reason to believe that Synchrony Financial is attempting to use dishonest, fraudulent tactics to extract late fees from customers. On XX/XX/XXXX, I applied for and was granted an XXXX XXXX   Credit Card backed by Synchrony Financial. On XX/XX/XXXX, I still had not received any form of card, bill, or statement from the company. I attempted to go online to access the account, but they require an account number. Since I had never received a bill, card, or statement, I did not have the account number. I tried to use their telephone system, and it also required an account number. I was then able to get a representative on the line, and he verified my ID with my mailing address and social security number. When I asked for the account number so that I could submit a payment, he said that the law forbade him from giving the number over the phone. I then asked to speak with a supervisor, and they placed me on hold for over 30 minutes before disconnecting me. I am trying to make a good faith effort to pay my bill, and Synchrony is actively preventing me from accessing my account to do, which will lead to late fees and interest charges.
Consumer complaint received 2021-12-06
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. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous 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 OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX  XXXX {$22000.00} XXXX XXXX {$440.00} XXXX XXXX {$1100.00} XXXX XXXX  XXXX {$2400.00} XXXX XXXX {$15000.00} XXXX & XXXX {$0.00} XXXX XXXX XXXX {$820.00} XXXX {$0.00} XXXX {$0.00} XXXX XXXX {$15000.00} XXXX XXXX {$22000.00} XXXX XXXX XXXX {$1400.00} XXXX {$0.00} XXXX {$0.00} XXXX CRED ( Original Creditor : XXXX XXXX XXXX  ) XXXX {$560.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$1200.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX {$750.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$910.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX {$340.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1700.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX {$930.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX {$1400.00}
Consumer complaint received 2021-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous 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 OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX  XXXXBalance {$22000.00} XXXX XXXXBalance {$440.00} XXXX XXXXBalance {$1100.00} XXXXXXXX XXXX XXXX**Balance {$2400.00} XXXX XXXXXXXXXXXXXXXXX****Balance {$15000.00} XXXX XXXX XXXX*Balance {$0.00} XXXX XXXX XXXXBalance {$820.00} XXXX***Balance {$0.00} XXXX***Balance {$0.00} XXXX XXXXXXXXXXXXXXXXX****Balance {$15000.00} XXXX XXXX-XXXXXXXXXXXXX****Balance {$22000.00} XXXX XXXX XXXXBalance {$1400.00} XXXXBalance {$0.00} TXXXX****Balance {$0.00} XXXXBalance {$560.00} XXXXBalance {$750.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX**Balance {$1400.00} XXXX XXXX XXXXXXXXBalance {$910.00} XXXX XXXX XXXXXXXX***Balance {$340.00} XXXX XXXXXXXXXXXX*Balance {$1700.00XXXX XXXXXXXX***Balance {$1200.00} XXXXBalance {$930.00}
Consumer complaint received 2021-12-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK (CA)

I applied for a Discover credit card and received a denial notice. I tried calling however no rep was available. The Equal Credit Opportunity Act states that credit is the right granted. Me being denied is viewed as discrimination and defamation of character because this is placed on my credit account as being denied, I received a hard inquiry that has negatively impacted my score as well.
Consumer complaint received 2018-11-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (UT)

The Bank of America XXXX XXXX credit card lets you set up automatic payment for your credit card. They offer three options without explaining what exactly they do : Pay Minimum amount due, Pay the Amount due or Statement Balance. ( XXXX while listing 4 options explains each right next to the option, boa does not ) I understood the amount due to be the amount to pay the credit card bill each month ( and not get interest charges ), but apparently that was the statement balance. 

When I called to complain, I was told that the " amount due '' option was the minimum payment. It's lame to not explain that choosing an option will result in interest charges, especially when it says " the amount due ''. Secondly, why offer to different forms of minimum payment?!?!?! 

I have closed my credit card because I will not use Bank of America for these deceptive practices. 

To be clear, on my XXXX XXXX Credit Card there are three options : Minimum payment due, last statement balance in full or other amount ( you choose ). 

My XXXX Credit Card offers 4 options : minimum payment due, full statement balance, minimum payment + other amount, or other amount ( you specify ). 

Only Bank of America offers the weird " amount due '' option that results in interest charges and is actually just the minimum payment. It sounds like this is in keeping with the " deceptive '' business practices in general.
Consumer complaint received 2018-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

I'm stating a claim " THESE ACCOUNTS ARE INACCURATE, INCOMPLETE, AND UNSUBSTANTIATED ACCUSATIONS AGAINST ME ''.
Consumer complaint received 2023-01-04
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: Fidelity National Information Services, Inc. (FNIS) (MN)

I am a victim of identity theft and have been a victim of identity theft for over 25 years. Chex Systems , Inc., has a current police report on file regarding me being a victim of identity theft. The following inquiries viewed by you and others currently listed on my Chex Systems Consumer Report ID : XXXX are fraudulent and unauthorized : XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX Bank, and XXXX XXXX XXXX XXXX XXXX Full Name : XXXX XXXX XXXX, XXXX : XX/XX/1974, XXXX : XXXX
Consumer complaint received 2021-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous 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 OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXX {$3800.00} XXXX {$2300.00} XXXX {$4800.00} XXXX {$86.00} XXXX XXXX XXXX {$400.00} XXXX {$280.00} XXXX {$79.00} XXXX {$190.00}
Consumer complaint received 2024-05-19
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NC)

I had a promotion on this card of 0 % interest until XXXX. I was making payments on a large charge of $ XXXX which was more than the minimum required to pay it off before interest accrued. I did not use the card at all besides one other purchase recently, which I paid off immediately. However, the company then removed the 0 % interest and did not apply my payment to the new charge. Then without warning the company began charging interest on what was supposed to be interest-free until XXXX. I tried calling and had to go through XXXX voice prompts to finally get to a human, but could not get anyone to listen and they claim there's nothing they can do, which is bogus.
Consumer complaint received 2024-05-30
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: Amscot Corporation (FL)

I reached out to Amscot and told him what happened with their ATM machine. They told me to go through my financial Institute which was XXXX XXXX. They're both sending me back-and-forth and no one has solved this. They told me I just need to wait and on XXXX XXXX solve it, but it was there machine, that didn't disperse the money that's why XXXX XXXX won't pay
Consumer complaint received 2022-06-11
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. (MI)

In accordance with the Fair Credit Reporting Act XXXX  account # 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  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 the a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-12-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (MN)

My bank is processing extra payments in a way that results in me paying more interest. I made an extra payment along with a payment due in XX/XX/2022. Wells Fargo Home Mortgage applied the XXXX 2022 payment before the extra principal payment, resulting in less of my XXXX 2022 payment going to principal.
Consumer complaint received 2019-08-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BBVA FINANCIAL CORPORATION (IL)

I filed a dispute with Simple Bank. I left my card in the store & when I returned to retrieve my card from the lost & found I found out purchases were made through credit & not debit which I normally use. I called in to let them know this. As I spoke with a representative she told me that she had to cancel my card because of the disputes type she wouldnt even let me get a word in. I told her to cancel the dispute because I had my card but I still wanted to dispute these charges. She then told me that she would do all of this. So time has went on I receive a provisional credit. I then receive a message almost a month later saying theyre reversing the credit because they just heard the phone call. Which put me in a negative & I had deposits coming in. The deposits coming in took me out of the negative but it was my money. They reopened my case to let me know that it was denied so basically they took my money & there is nothing I can do about it.
Consumer complaint received 2021-07-12
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: EQUIFAX, INC. (CA)

XXXX, Equifax and XXXX are reporting XXXX derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 3 dispute letters to Equifax, XXXX and XXXX since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Consumer complaint received 2018-04-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: PNC Bank N.A. (PA)

This complaint is regarding my PNC Bank Credit card. I currently have 3 promotions on this account. # 1. 0 % on purchases - endingXX/XX/XXXX. Current balance {$3200.00} # 2. 0 % Balance transfer - ending on XX/XX/XXXX. Current balance {$1500.00}. # 3. 0 % Balance transfer - ending XX/XX/XXXX. Current balance {$1200.00}.

I have been making payments well over the minimum balance due each month since I applied for the 0 % promotion on purchases onXX/XX/XXXX. I didn't check my monthly statements carefully until last month when I noticed that none of my payments were being applied to the promotion ending in XX/XX/XXXX. I contacted PNC bank and they told me it was their practice to apply payments to the balance transfer promotions before applying them to the purchase promotions. I asked if I could direct my payments to go to the purchase promotion. I was told, in uncertain terms, THAT I COULD NOT! I spoke to line representatives, their supervisors and finally XXXX XXXX XXXX of the Escalation Department. I searched the 1 page " Terms and Agreements '' that is included each month with my statement and could not find this policy. XXXX, today, referenced the 6 page " Terms and Agreements '' that came when my card was Issues. It does not state that policy! It says, in section 3.5 " How we apply your payments : Application of your payments is at our discretion, and generally that means that we will apply your payments to balances with lower APR 's before balances with higher APR 's. However, any amounts you pay in excess of your minimun payment due will be allocated to balances with higher APR 's before balances with lower APR 's. '' By this token, it would seem to me that any amount I pay in excess of minimum payment due would go to the promotion that is ending soonest!!! I asked if I were to pay the entire amount due on the purchases, would that be satisfactory, She said " NO. You would have pay all three promotions in full in order not to be charged the default interest rate on 12.24 % on the balance ''. I find this extremely unfair! I would like to pay off my purchase promotion before it expires, but can not do so without first paying 2 other promotions. I was never informed of this and it certainly was not made clear in the Bank 's Terms and Conditions. I am hoping you can help me resolve this issue. Thank you!
Consumer complaint received 2018-10-12
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (CA)

I borrowed money from OneMain Financial in the amount of {$15000.00} in XX/XX/2017 with my car as collateral. In the contract, the interest is 19 % per annum. Monthly payment would be deducted from my bank account in the amount of {$490.00}. In each bill however, only {$280.00} goes to the principal loan and the {$210.00} goes to the interest. This is 43 % way more of what is stipulated in the loan agreement. Please help me!
Consumer complaint received 2022-06-11
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. (MI)

In accordance with the Fair Credit Reporting Act XXXX  account # 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 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 the a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-05-03
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. (NJ)

In accordance with the Fair Credit Reporting act XXXX Account has violated my rights. 

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 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 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2018-03-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC (GA)

XXXX XXXX. has refused to validate the debt that they have stated that I owe. I deny that this is my debt and if it is my debt, I deny that it is still a valid debt and if it is a valid debt, I deny the amount requested is the correct amount. I acknowledge this debt was ... established without my knowledge and I have no contractual agreement with XXXX XXXX. The lack of validation of any debt owed to them is in violation of 15 USC 1692 Sec.809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ). Furthermore, XXXX XXXX. is practicing UNJUST ENRICHMENT.
Consumer complaint received 2018-03-11
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (SC)

I tried to close my Chase savings act # XXXX in Early XX/XX/XXXX as we moved from XXXX XXXX XXXX XXXX, XXXX XXXX, IL : XXXX on XX/XX/XXXX. A change of address was filed after we moved with Chase Bank at the XXXX XXXX as well as our XXXX credit card accounts. The act had {$1000.00} in it and the rep from the bank said they could only mail me a check for less than {$1000.00} - bank policy. I instructed her to deduct {$15.00} and apply it to my chase credit card which they did. I also gave her my change of address again to XXXX XXXX XXXX, XXXX, SC XXXX. The account was officially closed on XX/XX/XXXX. I did not receive the {$990.00} from the bank by XX/XX/XXXX. They said it would take 30 days to officially close the act and send me the balance. Late XX/XX/XXXX I received a letter ( attached ) from the bank stating that they had sent my change of  address to both my old and new address as a precaution. It never came to my new address because THEIR REP wrote down XXXX XXXX XXXX, not XXXX XXXX XXXX. All the rest of my Chase address changes had gone thru so I said I don't understand why the savings act hadn't. They said they would have to do a review or I could go to a Chase branch and file all this info and get my money there. The are no Chase Banks in this part of SC so when I told them that they said it would go under review and would take another 30 days until my money was returned. It's now been over 60 days and I still have no money. Their bank policies are illegal - it is my money and if I were in XXXX I could have walked into the branch, closed the act and been paid on the spot! This is gross incompetancy on their part. The account has been closed since XX/XX/XXXX but I can't get my $ $ due to another bank policy which says it has to be reviewed AGAIN!