davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (TX)

The credit card goes under the name " Care Credit '' and it offers deferred interest arrangements for medical-related expenses ( with participating providers ) as well as standard credit purchasing for all other items. 
On XX/XX/XXXX a purchase was processed for services from XXXX XXXX XXXX for the amount of {$1200.00}. They did not participate in Care Credit 's deferred interest program so it qualified as a standard credit card purchase. 
On XX/XX/XXXX a credit card payment for {$1200.00} was applied to the account. On XX/XX/XXXX the monthly minimum payment of {$310.00} was applied to the account. 
The concern is that Care Credit did not apply the {$1200.00} payment to the highest APR balance in the card. Out of the total balance on the card, only the charges from XXXX XXXX did not fall under a deferred interest plan. 
Care Credit invoices showed that after the {$1200.00} lump payment was processed on XX/XX/XXXX, the balance subject to interest charges was listed as {$1100.00} on the XX/XX/XXXX invoice ( up from {$0.00} on the XXXX invoice ) and it INCREASED to {$1100.00} in the XXXX invoice. The closest deferred interest balance to expire is until XX/XX/XXXX as of the XX/XX/XXXX invoice. Care Credit simply applied my lump payment to a deferred interest balance and is charging me compounding interest on something I paid off within XXXX weeks of purchase. 
When I tried to contact Care Credit, I was first given a generic answer that the charges were valid. When I tried to escalate, I was then informed that the account was placed on fraud alert and I could not ask further questions or dispute the interest charges unless I went through a thorough online vetting process. It feels like unnecessary inconvenience and retaliatory behavior for questioning their charges. Can you please help? 
Note : I requested a change to the monthly billing due date on the account. This change caused the XXXX Invoice to be rolled up into the XXXX invoice to adjust to the new billing period.
Consumer complaint received 2019-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (LA)

EXPERIAN is STILL refusing the REMOVE an unauthorized hard inquiry from my credit report. I HAVE PROOF FROM THE CREDITOR, that it was unauthorized and should be removed ASAP without further investigation! My lawyer and i have been contacted by phone and email from the creditor. Please remove ASAP.
Consumer complaint received 2019-05-10
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 went to get a loan for school from my bank and I was not approved. I got a copy of my credit report finally and there are still things on there that are not mine. Ive contacted FTC and the police. Im doing this myself. XXXX, XXXX XXXX. Please remove these accounts from my credit.
Consumer complaint received 2019-05-10
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: JPMORGAN CHASE & CO. (FL)

The following inquiry on my XXXX credit does NOT belong to me : Chase Bank Usa, N. A Inquiry dated XX/XX/2019 Chase called me and told me that someone tried to falsely apply for credit using my social security number and that they denied the credit. However, Chase has failed to remove the inquiry from my XXXX  credit report even after I sent them a letter to the following address : CHASE BANK USA, N. A. 
XXXX XXXX XXXX XXXX, DE XXXX
Consumer complaint received 2022-01-16
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (WI)

I am in a debt relief program. Ive a script from XXXX XXXX XXXX that has been told to the callers numerously. XXXX XXXX XXXX has had me put their number in for them to contact and they still call my wife and I, ignoring the number update.
Consumer complaint received 2024-05-29
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: U.S. BANCORP (MN)

On XX/XX/XXXX, my wife and I went to US Bank Home Mortgage to refinance a XXXX year loan to a XXXX year loan. As part of that process, the company was supposed to notify the county I live in that the original mortgage / note had been paid off by using the same document number which was created when we first took out our mortgage in XX/XX/XXXX. US Bank, however, used a new document number and reported this new number to the county. This mortgage was then paid off in early XXXX. 

In XX/XX/XXXX, my wife and I went applied for a home improvement loan. This process stopped because their title research indicated that the county still had an open mortgage as they never received a mortgage satisfaction letter from the lender. Until this was cleared, the bank was not going to provide us with a home improvement loan. On two occasions, XX/XX/XXXX and XX/XX/XXXX, I provided US Bank with details about the loans in question ( both the original loan and the refinanced loan were through US Bank ), asking them for lien release / lien satisfaction information pertaining to the original note. 

I received a response from US Bank that the department I had contacted was not appropriate. The specific response I received was : " Hello, We would have no access to those documents. We only clear title in this department. You can try Customer Service but if its been longer then 7 years. All documents have been destroyed '' No one from that organization, it appears, did anything more than a cursory glance at my request and if it fell outside of the timeline parameters, then that's just too bad.
Consumer complaint received 2021-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

I WAS NEVER LATE ON THE ACOUNTS LISTED. Notice that Pursuant to 15 U.S. Code 1681 ( b ) The Congress requires that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, and other information in a manner which is fair and equitable to the consumer with regard to the confidentiality, accuracy, relevancy and proper utilization of such information. You are not meeting my needs as a consumer or being fair and equitable by reporting inaccuracies on my consumer file.
Consumer complaint received 2022-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OK)

XX/XX/XXXX Experian inexplicably deleted my XXXX account from my Experian XXXX. 
XX/XX/XXXX Experian inexplicably deleted/disconnected my bank account from my Experian XXXX. 
XX/XX/XXXX Experian continued to advise me that action was needed by me to reconnect my bank account to Experian XXXX. 
I have contacted my bank numerous times about this problem to no avail. They tell me there is nothing they can do on their end. It is all on the Experian end. 
Recently in or around XX/XX/XXXX I discovered Experian had magically " Reconnected '' my bank account to Experian XXXX. Unfortunately, they continue to fail and refuse to " find '' my XXXX account. Experian XXXX does not allow me to automatically reconnect my XXXX account. 
I have had this XXXX phone and auto pay in good standing since XX/XX/XXXX. Experian used to have a hard inquiry on my credit file showing when XXXX signed me up for the current phone and plan that I am on. 
I have tried numerous times to get Experian to reinstate my XXXX account on Experian XXXX to no avail. At least I was finally successful in getting them to reinstate my bank account. 
I want Experian XXXX to show my XXXX account and boost my Experian XXXX XXXX XXXX appropriately.
Consumer complaint received 2022-01-16
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: EQUIFAX, INC. (LA)

I submitted information disputing several inquires which where all removed except one. XXXX XXXX dated XX/XX/21 is an inquiry that was disputed but was not removed. I received a letter from Equifax confirmation number XXXX stating the fraudulent inquire was deleted buy it is still showing on my credit report. Please delete this fraudulent inquiry off my credit report.
Consumer complaint received 2022-10-07
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. (GA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-24
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. (PA)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report and need to REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX XXXX XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX XXXX  XXXX XXXX XXXX-Balance $ XXXX Opened : XX/XX/XXXX XXXX  XXXX XXXX XXXX-Balance $ XXXX Opened : XX/XX/XXXX XXXX/XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX XXXX XXXX, XXXX.-Balance $ XXXX-Date Opened : XX/XX/XXXX XXXX XXXX-Balance $ XXXX-Date Opened : XXXX XXXX, XXXX
Consumer complaint received 2021-09-24
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: ALLY FINANCIAL INC. (DC)

When I applied for an Ally loan online on XX/XX/XXXX, I filled out the application form from their site : XXXX XXXX XXXX. The form stated : " What you should know : To comply with card network rules, we cant process payments from borrowers using a credit card beginning on XX/XX/XXXX. '' When I was approved for the loan, I emailed Ally customer care consultant on XX/XX/XXXX and asked if credit card payments can be made by XX/XX/XXXX. The customer representative confirmed credit cards are accepted for full payment and said to just call Ally before XXXX XXXX to make the payment. On XX/XX/XXXX, I called Ally billing to make the payment, but they refused even though I mentioned their website application stated the above quotation, ie. credit card payment by XXXX XXXX deadline. I logged onto Ally 's online account, which had a credit card selection that was disabled. I even emailed the billing agent the email conversation with Ally customer support from XX/XX/XXXX. They took down my phone number and said they would try to call back in 72 hours but they could not provide an answer to why their website application had the XXXX XXXX credit card payment option, but refused to accept payment when I called as instructed by Ally customer care.
Consumer complaint received 2024-05-19
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: U.S. BANCORP (CA)

U.S. Bank offered a {$500.00} reward for depositing {$10000.00} in a new checking account and leaving it there for 60 days. 
XX/XX/XXXX - I opened an account and deposited {$10000.00} XX/XX/XXXX - they added an " Analysis Service Charge '' of {$6.00}, for no apparent reason XX/XX/XXXX - they added the {$500.00} reward XX/XX/XXXX - I electronically transferred out the total amount - they transferred {$10000.00} out to my receiving bank account XX/XX/XXXX - they added an " Analysis Service Charge '' of {$6.00}, backdated to XX/XX/XXXX - they added an " Overdraft Paid Fee '' of {$36.00}, although they had not paid an overdraft, since they had deducted their XX/XX/XXXX {$6.00} charge from the amount transferred out. They falsely listed the account value at- {$42.00}, even though it was {$0.00} before their false Overdraft Fee. 
XX/XX/XXXX - I called and asked to close the account. 
- they refused, claiming it was over drawn. 
- I said it was not overdrawn and I would not pay their bogus fee. 
- they replied that the account would be closed anyway on XX/XX/XXXX and they would write off the fee as a bad debt. 
XX/XX/XXXX - I called and verified that the account was closed. I thought it was resolved. 
XX/XX/XXXX - their collection service, now claimed that I owe {$78.00} in unpaid fees XX/XX/XXXX - I called, claimed that their fees were bogus and i would not pay them XX/XX/XXXX - I called and filed a complaint with the U.S. Bank XXXX XXXX.
Consumer complaint received 2022-11-30
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. (FL)

I'm victim of identity theft, my personal information went to wrong hands and as a result I have gotten a numerous hard inquires that I never authorized. I have filed FTC report and included in this complaint. I never received any money or goods of these fraud items/ hard inquires. I never authorized none of these items. 
Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that these inquiries are being disputed is because they were not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that these inquiries were made by me, they must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA. 
Here are these hard inquires that I have never authorized : XXXX XXXXXXXX Auto Loans XX/XX/XXXX XXXX XXXX  Auto Loans XX/XX/XXXX XXXX Miscellaneous Automotive XX/XX/XXXX XXXX XXXXXXXX Auto Loans XX/XX/XXXX XXXX XXXX  Auto Loans XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please remove these hard inquiries from my credit report immediately.
Consumer complaint received 2024-04-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (LA)

15 U.S Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM EXPERIAN.
Consumer complaint received 2023-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MI)

I wrote all XXXX Bureaus about reporting inaccurate information XX/XX/24 it's XXXX now nothing has updated, XXXX and XXXX have sent me forms to process my request that stated I needed to send in my ID and SSN card I will mail out today XX/XX/XXXX and I also will attach documents to this complaint hopefully it speeds up the process a bit. Experian on the other hand said " Upon competition an updated copy of your credit report will be mailed to you for review and confirmation. Please note that mailed correspondence may take up to 10 days for delivery through the US Postal system '' on my last complaint yet I have still received nothing
Consumer complaint received 2021-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-01-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Halsted Financial Services, LLC. (MN)

I received two unsolicited text messages from Halsted Financial Services ( HFS ), both purporting to collect a debt due by me to XXXX XXXX XXXX XXXX. I have never owed a debt to XXXX XXXX XXXX, although I hold two deposit accounts there. The first such text message was on XX/XX/2022 and represented that I could save up to {$530.00} in up to 18 payments. The second text message was on XX/XX/2022 and did not contain an amount but requested that I contact XXXX. Both referenced XXXX XXXX XXXX  and both stated that they were attempts to collect a debt. 

It is not clear to me whether the text messages represent phishing attempts or actual ( if inaccurate ) attempts to collect a debt that I do not owe. I have requested via the HFS that it authenticate the debt and that it cease and desist from contacting me.
Consumer complaint received 2024-05-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/year> my Wells Fargo Checking Account was closed with {$1000.00} remaining in it. 
On XX/XX/year>, I finally found a way to contact as I currently reside in another country. I spoke with XXXX. Who told me the reason behind closing the account and that a check had already been issued in XXXX. I explained that I did not receive that check, so she reissued check # XXXX. 
On XX/XX/year>, I called again as I did not receive the reissued check # XXXX. This time I was told that they would need to send out a stop-payment form that I needed to sign, notarize and send back. 
On XX/XX/year>, I sent back the notarized stop-payment form, which was received at Wells Fargo XXXX XX/XX/XXXX at XXXX. 
On XX/XX/year>, spoke with XXXX. He confirmed my mailing address and confirmed receipt of the stop-payment. He said he would send check # XXXX. 
XX/XX/XXXX XXXX received another stop-payment form. 
XX/XX/year>. I still have not received the check with my funds.