davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (TX)

I applied and was approved for a Sam 's Club MasterCard which is owned by Synchrony Bank. A few days after approval, I received a letter via USPS from Synchrony Bank that stated : " When you were approved, we did not assign to your account the best interest rate we offer. '' It stated that I was entitled to a free credit report and if I had any concerns I could contact them and/or XXXX -- the supplier of their credit data.

I know I have excellent credit. I get a free FICO credit score every month with my XXXX credit card account. My score is always in the 800s. I also get a free FICO score with my XXXX   XXXX XXXX account and it is in the 800s as well. The XXXX  XXXX XXXX FICO score is supplied by XXXX, by the way. 

I ordered a free credit report from XXXX as suggested by Synchrony. When I received the report, I could see no derogatory information at all, so I decided to contact Synchrony Bank by phone. I asked them to tell me specifically why I received a sub-standard account when I have excellent credit. After being placed on hold for quite some time, XXXX, told me that she was unable to explain why I received the higher interest rate account. I asked to speak to someone else regarding the matter and she said she had already inquired with her manager and they could not help me. She stated the approval process was all automated. I asked her what criteria were needed in order to get the standard ( better ) interest rate. She said she did not know and neither did anyone else. I told her I would be filing a complaint. 

My concern is that this is a scam created by the credit card company ( Synchrony Bank ) to charge higher interest rates to everyone. If I have excellent credit scores and did not receive the best interest rate, what do they require in order to get the better interest rate? No one could tell me when I called and asked.
Consumer complaint received 2021-11-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (OH)

This is a bill from XXXX, from XXXX XXXX XXXX. They set the account up with my SSN and my daughters name. We tried numerous times to correct and they never did. We switched users and they say we owe them. Not sure at this point what it is for. I tried numerous times to straighten this out. They turned the account over to XXXX XXXX. We got numerous bills from them saying they would offer a settlement for x amount. I disputed this on my credit report because this is not my name on the bill, but on my credit report because of my SSN. The dispute came back in their favor. I got sick of fighting with them so I took a bill they had sent and paid the amount it showed. Sent that bill, my check with paid in full on it and mailed it to them. They cashed the check. I then got another bill from them. I called regarding it and they stated the amount I paid was on a expired offer. However they cashed the check. I feel that they have been paid and I actually paid a bill that is fraudulent beings it is not my name on the bill but they have my SSN.
Consumer complaint received 2020-02-18
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Tower Loan of Mississippi, Inc. (MO)

XXXX at Tower loan in XXXX XXXX Missouri, violated privacy practices by contacting, and, giving information to my husband ( who is not on the loan ). The information she gave was that I owed them money and was 3 months behind on my loan. I have contacted their main office, and, the XXXX. Yesterday this same woman, apparently after having been informed of my complaint, called and left a rude and very inappropriate message, mocking me. I have informed them of the reason for my delinquency. I did not ask them to stop calling because at that point, I fully intended to make the account current.
Consumer complaint received 2018-07-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NJ)

Wells Fargo continues to mishandle the escrow calculations on my home mortgage account. Earlier this year, they made numerous mistakes which required CFPB 's intervention. Shortly after appearing to resolve the matter, in XX/XX/2018, they again made mistakes with a " new '' escrow calculation/analysis, in which they simultaneously accused us ( in the same document ) of both underfunding and overfunding the escrow account. This company has simply no concept of how to correctly collect, calculate, and pay escrow. We have had numerous correspondence with the company, but as of today, they have not done a correct escrow analysis or changed their demands that we overpay the escrow amount in XX/XX/2018 and going forward. We request CFPB intervene with them, and ask them to comply with their regulatory and contractual obligations on the handling of escrow accounts.
Consumer complaint received 2023-09-08
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. (CA)

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

XXXX XXXXXXXX XXXX # XXXX -- IDENTITY THEFT XXXX XXXX XXXX # XXXX -- IDENTITY THEFT XXXX # XXXX -- IDENTITY THEFT XXXX XXXX XXXX # XXXX -- IDENTITY THEFT 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (AR)

I have a inaccurate Bankruptcy reporting on my credit file that doesn't suppose to be there. This was dismissed later and shouldn't be on my credit file with XXXX, XXXX or Equifax.
Consumer complaint received 2021-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I have a inaccurate Bankruptcy reporting on my credit file that doesn't suppose to be there. This was dismissed later and shouldn't be on my credit file with XXXX, Transunion or XXXX.
Consumer complaint received 2020-02-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (OH)

I applied for a credit card with JP Morgan Chase bank on approximately XX/XX/2020. I currently have Several other cards with them ( credit score ~XXXX ). They claim I did not pass Identity verification based on questions from my credit report. The questions asked did not apply to me and I was denied. After denial I asked which credit bureau they used which ofviously had erroneous information about me so I can get it corrected. They refused to tell me. The customer service person would only suggest for me to reapply. If they use this same bureau there is a high probability I would be denied again. If I knew which credit bureau hopefully I could get it corrected. This would save us both time. 
All I need is the name of the particular credit bureau they used. 

I find it very ironic they can not identify me since I have servral other cards with them and I log into my account to apply. They already had all my personal information and everything remaind the same except I am retired now.
Consumer complaint received 2020-02-18
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)

Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act.
Consumer complaint received 2020-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act.
Consumer complaint received 2022-10-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-11-17
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: BARCLAYS BANK DELAWARE (PA)

XX/XX/XXXX, XXXX {$3900.00} deposit was paid XXXX XXXX XXXX XXXX XXXX XXXX XXXX Uber credit card. This payment was a deposit for a vacation to XXXX XXXX that was scheduled to take place in XX/XX/XXXX. 

XX/XX/XXXX, XXXX Our flight to XXXX XXXX XXXX cancelled by the airline. XXXX XXXX borders were closed to international travelers due to the XXXX pandemic. The travel agent XXXX XXXX XXXX XXXX XXXX ) offered to reschedule our trip to XX/XX/XXXX and we accepted. 

XX/XX/XXXX, XXXX I requested to cancel our postponed trip and receive a refund since the original trip was cancelled due to the XXXX pandemic. The travel agent replied that my deposit would be forfeited if I cancelled our postponed trip. They were unwilling to issue a refund. 

XXXX XXXX I filed a dispute with XXXX for the transaction. Case number XXXX XX/XX/XXXX, XXXX I received a letter from XXXX XXXX they were unable to obtain credit on my behalf because I needed to notify them of the billing dispute within XXXX statement cycles after the charge appeared. This would have been impossible, as the charge took place on XX/XX/XXXX and the trip wasnt cancelled until XX/XX/XXXX ( XXXX XXXX XXXX XXXX I replied to this letter stating that what they were asking was impossible, and they replied stating that they could not do anything else to help. 

XX/XX/XXXX, XXXX I contacted the owner XXXX XXXX XXXX XXXX XXXX and they agreed to refund me for a portion of my deposit ( {$1300.00} ), which was for the lodging accommodations for our trip. They said they were unable to refund us for the domestic flights that were supposed to take place during our trip because the airlines were not refunding them. Refund was received on XX/XX/XXXX.
Consumer complaint received 2020-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (TX)

I have made numerous attempts to have missing positive information on my credit report be reported. In place of the positive Consumer Data it reads ( No Data, Missing Data, Not Reported, etc .... ) From Equifax Website : Can I only report the positive or delinquent accounts? Am I required to report an account when payment behavior is inconsistent? *Equifax requires its Data Furnishers report full files on a monthly basis. Why were my full files not reported for various months? Also you have 30 days to respond to a complaint please explain why I have not been addressed for 10 months on 1 complaint from Equifax? I have written Emails and Called them to no avail. I have provided them with credit card statements to prove payments made as well.
Consumer complaint received 2023-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (NY)

Lexis Nexis and XXXX XXXX is violating my federally protected rights and reporting misleading information I have not given them permissible purpose to use my furnish my private personal information also The CIVIL COURT OF THE CITY OF NEW YORK - XXXX XXXX Did not furnish the information therefore it can not be verified as accurate stating that the information is verified is fraud and misleading and is a violation of federal Law. instead you infringe upon my privacy.
Consumer complaint received 2021-04-16
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: Commonwealth Health Corporation (KY)

A bill without a signature does not imply that the debt is legitimate, and anyone may submit a bill and claim ownership. As stated in the HIPPA law section 1681b ( g ) ( 4 ) you are not allowed to disclose any of my medical information this is obviously a violation to my privacy is noncompliance of the HIPAA law.
Consumer complaint received 2020-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

There is an inquiry from XXXX/XXXX  XXXX XXXX that appeared on my TransUnion credit report on XX/XX/2020 which I did not authorize. I have reached out to both TransUnion ( TransUnion said they do not dispute inquiries and that I would have to call XXXX/XXXX  XXXX XXXX ). When I contacted XXXX/XXXX  XXXX   XXXX  the company had no record of an inquiry placed by them for me.
Consumer complaint received 2020-02-18
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (MA)

I have student loan debt through Navient, my loan was XXXX two years ago now its up to XXXX, every time I called they would offer deferment and no other option, they didnt tell me what it entailed and now Im in a lot of debt, I need some advice on how to rectify this matter, thank you so much for your help with this issue. 

XXXX XXXX
Consumer complaint received 2020-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMCOL Systems, Inc. (WI)

I received bills from XXXX XXXX XXXX XXXX XXXX Hospital ( original creditor ) for medical services I  received in 2019. I spoke with the billing department several times and this issue was resolved ... my medical insurance paid this bill. I checked my credit report and learned that there's an open collection from AMCOL SYSTEMS INC ( new creditor ) for this same medical bill. AMCOL SYSTEMS INC never contacted me about an outstanding balance, but posted this on my credit report.
Consumer complaint received 2022-12-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (NY)

I submitted an Employment Certification Form to Moehla in late XXXX. They claimed they needed 90 days to process it. I have been checking it regularly, and as of today, they deleted my form, claiming it was a duplicate. As noted in the message I sent them, I am sending in the same form again as my payment counts are still inaccurate. I have submitted this same form at least twenty times to XXXX XXXX and now twice to Moehla. I am being denied three years of PSLF payments because neither loan servicer collecting millions of dollars in federal money can be bothered to read a form, email, or message. As stated countless times, process my form, process my PSLF application, and forgive my loans. I'm not waiting another 90 days for Moehla to pretend to process a form before deleting it.
Consumer complaint received 2020-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

I was a XXXX XXXX customer from XX/XX/XXXX-XX/XX/XXXX. I moved to XXXX where XXXX is not offered. I received my last bill but suffered a huge loss with an unexpected death in the family just two weeks after I relocated. I received a collections notice in XX/XX/XXXX and realized in handling the burial, I forgot about the bill. The collections agency submitted correspondence with misspellings. As an attorney, I attempted to check the validity of the company but wanted to pay through XXXX to which I was advised was impossible once it went to collections. I put the matter on the back burner. Fast forward to XX/XX/XXXX as I attempt to prepare to purchase a home, I receive a notification of late payments on one of my credit reports from XXXX XXXX. The XXXX account had been reported closed to all 3 bureaus and remains reported closed with ( XXXX  and XXXX ). Attempts to have the matter disputed with Experian have not been successful. Initially I was disputing the accuracy as the account has been closed for two years, no requests for payments have been received since XX/XX/XXXX and was previously notated as closed with each bureau. I have made calls to XXXX for an explanation. Today I was transferred seven times ( including being transferred twice to XXXX XXXX ) and no one was able to explain how an account that was previously notated as closed is now reporting late payment history. In one of the seven transfers I was able to speak with someone in collections who stated they had an old address on file. That is odd as the last bill was sent to my current address ( which as been my residence since disconnecting my fios account ). As an attorney, I understand that people aren't always accurate in the representations. That isn't the case here. I also work in senior management and would be appalled if my staff provided the level of customer service I have received. Paying the {$200.00} is not the root of the issue. Life happened and it became something that was pushed off as I dealt with very serious matter. For me, for this to come up now after being closed and cause a challenge to buying a home, especially when the other credit bureaus still reflect the matter as closed and in collections with no late payment history in the past three months is the bigger legal question I want answered.
Consumer complaint received 2021-02-05
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (LA)

Initial event was on XXXX/XXXX/2021 Last week I attempted to purchase a XXXX bundle from Belk. I added it to my cart and was presented with an ad that I could save {$120.00} on THIS ORDER if I applied for a Belk Credit Card. Sweet! A discount on the impossible to find XXXX?! I applied. Was approved. I was given a discount code to get the {$120.00} off. Coupon not allowed on this item. So to recap, Belk falsely advertised a discount on THIS ORDER for applying for a credit card. Now I have a Belk card for no reason at all. Oh and after applying for the card and attempting to use the discount card the XXXX was then sold out. 

I reached out to Belk through their website contact form and they replied to my complaint with a bot message that the XXXX was only available for certain customers. I replied that I wanted a human to contact me about how they are going to prevent future customers from being CONNED into applying for their credit card. The bot replied with the same XXXX only available for certain customers. 

On XXXX/XXXX/2021, after not receiving a response from a human, I reached out to Belk through XXXX direct messaging : Again, my issue is NOT that I didnt get the XXXX. Its the fact that your website advertised a coupon for THIS ORDER / item if I applied for a credit card ( which is a big, long term commitment ) and only after the fact was it revealed that the item previously listed as eligible for a discounted was in fact NOT eligible for the new credit card coupon. Now I have a credit card that was opened under false promises. Its shameful that you advertisement algorithms allowed this to happen. 

Their response : We understand the frustration this matter has caused. Unfortunately, coupons are not able to be applied to the XXXX. Belk offers the XXXX in a bundle deal on a sales price as is. The offer was for our XXXX and XXXX credit card holders. In order to gain these credit card status, you are required to spend $ XXXX {$1500.00} a year. We have attached the link below linked to credit card benefits and information. 
Please let us know if we can further assist you. We apologize for the inconvenience. 

My response : No one has admitted that this was a mistake on Belks part and will have it fixed for future customers. I dont feel like you are grasping the gravity of the situation. Im not complaining that I attempted to use a coupon code and it wasnt accepted. @ belk is running an ad that REQUIRES SIGNING UP FOR THEIR CREDIT CARD to receive this promised discount. Then the promised discount isnt valid AFTER signing up for the credit card. Again, not just a copy / pasted coupon that isnt accepted. CONSUMERS ARE BEING CONNED INTO SIGNING UP FOR YOUR CREDIT CARD. So if said item is excluded from all discounts, why is your advertisement at checkout showing up for said item? 

No response from Belk on how they will change their advertising going forward.