davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-03
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL (TN)

I the fall of XXXX, I took out a PC Richards Credit Card through Synchrony Bank ( CT ) at a PC Richards location in XXXX, XXXX. I was told of the promotional interest rate and that there was NO interest for XXXX years. I was then told that interest would begin accruing AFTER the XXXX year period. I paid the minimum payment or more each month and kicked in an extra {$1500.00} payment in the fall of XXXX to get my payment down to {$1500.00} ( as of XX/XX/XXXX ). In XX/XX/XXXX, Synchrony added a {$1300.00} " interest charge '' on to that amount, bringing my new total owed to {$2700.00}. This constitutes an XXXX XXXX interest rate on my balance. 

This is outrageous and clearly constitutes predatory lending. In no way, at ANY time did I ever agree to such a rate, nor would I under any circumstances. 

I have attempted to work through this issue with Synchrony Bank and they insist that I agreed to terms of " differed interest '', a term which I never agreed to or heard at the time of application and purchase. I was told the interest would " kick in '' after the promotional period, which I understood to mean that I would have to pay XXXX XXXX on the remaining BALANCE owed at that time. 

What Synchrony Bank has done is charge me XXXX XXXX interest on the ORIGINAL balance even after I have paid down that balance by approximately {$3300.00}. They are essentially assessing a massive fee, the likes of which was never disclosed to me at the time I took out the card at the store. 

I fully understand that I owe interest on my balance. But I should not have to pay interest on money I have already paid back. That is not right and it certainly is not what I signed up for. 

I was on my way to having this balance paid off and paid faithfully on the account only to have the amount owed nearly double in XXXX month.
Consumer complaint received 2019-08-26
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. (NY)

There's two accounts and a fraud address. ( XXXX card, XXXX XXXX XXXX, and the address XXXX XXXX XXXX not mine fraud ) On my Experian credit report. and have submitted Copy of credit report and Federal Trade Commission Identity Thief report # XXXX. I have submitted this information to Experian but they have not cleared or deleted these accounts and address.
Consumer complaint received 2019-08-26
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)

THE DISPUTED ACCOUNT LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND CREDIT HISTORY.
Consumer complaint received 2020-12-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERICAN INTERNET MORTGAGE (AZ)

Company : American Internet Mortgage ( AIM ) Issues : ( A ) Unauthorized Automatic Withdrawal Payment, ( B ) Fraudulent Journal Entries In Loan Account, ( C ) Fraudulent miss-allocation I am in the process of refinancing an existing mortgage with AIM. 

I was advised by new lender that I should not make the XXXX payment because it would not be credited in time to be reflected on the AIM loan payoff letter. Accordingly, in late XXXX XXXX, I cancelled my automatic loan payment for XXXX XXXX with AIM ( I received an automatic cancellation receipt from AIM ). Subsequent to my auto payment cancellation, I discovered the new lender anticipated delay in closing on the AIM replacement loan. Therefore, I decided to make a one-time payment to AIM for the XXXX XXXX payment, which I set up to to occur online, in late XXXX XXXX. *During this time AIM had already received 2 payoff request letters from the new lender plus one payoff request letter from me, so AIM KNEW I WAS IN THE PROCESS OF REFINANCING* Issues : 1. Despite my cancellation of the auto payment ( for which I have a receipt ), AIM illegally, and incorrectly processed the XX/XX/XXXX auto-payment anyway. AIM loan account shows this transaction as having taken place on XX/XX/20 ( I learned about this on XX/XX/20 ) 2. I made an online one-time payment in full, for XXXX AIM loan. My personal bank account posted this transaction on XX/XX/XXXX, and AIM posted this on the loan account on XX/XX/XXXX. 

3. On XX/XX/XXXX AIM posted XXXX transactions to my loan account, ALL OF WHICH WERE INCORRECT. First incorrect ( Fraudulent ) transaction was a payment reversal for the auto-payment which was originally cancelled online, but actually illegally pulled from my bank account by AIM on XX/XX/20 ; second incorrect transaction was a payment credit with the incorrect principal and interest amounts reflected on the AIM account ; third was another payment credit posting to my account, by which interest was charged for a second time in XXXX. 

4. the third transaction posted to my account on XX/XX/XXXX was a second payment, by which I was charged interest for the same period of time ( double charged interest, instead of full principal amount applied to loan ). This was a fraudulent application of funds. 

In summary : I only authorized one ( 1 ) payment for XXXX, but AIM debited my bank account by two payments in net. AIM then incorrectly reports a reverse payment on my loan statement ledger, which was a fraudulent entry ( the only two entries on my account should be two full amount payment for XXXX XXXX period, one on XXXX, the other on XXXX. There should be no reversals ). AIM then re-added / credited my loan statement with both payments, but fraudulently charged me interest for both payments covering the same period of XXXX XXXX.
Consumer complaint received 2018-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CASHCALL, INC. (CA)

I got an installment loan, unfortunately, I could not afford the payments and the loan status went into collections. When I could afford to pay it off, I paid off the collections account. 30 days later, I received a paid in full letter. I went to the cash call office and submitted my paid in full letter. They had me email with XXXX XXXX ( Customer Concerns Representative ). She would not email me the information, but over the phone she stated that Cash Call would not be willing to update my report to say that the loan is now paid, regardless of paid in full letter from XXXX XXXX  ( the collection agency they sold the debt to ). So I filed a dispute with XXXX, the status of my account went from " delinquent '' to " late 120 days ''. I called XXXX and filed a dispute with the status, again. And status went from " late 120 days '' back to " delinquent ''.
Consumer complaint received 2022-06-11
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: Santander Consumer USA Holdings Inc. (LA)

I have been a victim of identity theft. As a result i discovered several fraudulent accounts upon review of my credit report. I have contacted the creditors for help getting the matter corrected with zero success. I am now seek greater assistance in getting this issue resolved.
Consumer complaint received 2019-08-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BB&T CORPORATION (TX)

I helped my son, XXXX XXXX open a checking account on XX/XX/XXXX, and I funded his account with direct deposit coming out directly from my company, XXXX. Everything was working fine until on XX/XX/XXXX when their fraud department called him and tried to verify his account. They tried to get him to confirm his ssn, and since it was an incoming call, of course he wouldn't provide any personal information. The person on the phone threatened to freeze his account if he won't answer those personal questions but he had no choice. He insisted that he would call back which he did. The account at that time was blocked. He was informed to go inside the bank to confirm his identity. Both he and I went into the branch and provided all the requested info the following day. At the time, the banker, XXXX XXXX said that my son still had to call on Monday to unblock the internet access since that area are only opened weekdays. My son tried to call on Monday, XX/XX/XXXX but was again given the run around that he has to go back into the bank to add my name. He was told that in order to access his funds, he needs my name added to the account which makes no sense. I am in XXXX, and my son is in XXXX. I helped him open the account so he can manage his own money since he just got a new job His job requires him to work M-F from XXXX so he wouldn't be able to go into the branch again ( why does he need to anyway, he already went and the banker confirmed who he is and who I am??? ). I don't understand why my name has to be added to his account which wouldn't be a problem if 1 ) my son didn't just start his new job, and he can't just leave to go into the branch a second time and 2 ) they are now asking that both he and I go into the branch but I'm don't live in the same city anymore. I think this bank knows our difficulty and wants to hold on to our funds while putting obstacles for us. Others should be aware of their unscrupulous practice.
Consumer complaint received 2020-12-13
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/2020 I had opened my Chase Savings account with the premise that if I kept {$15000.00} in my account for 6 months, I would be awarded {$300.00} in total. This promotion ( {$200.00} for the Chase Savings account ) was also tied in with my Chase Checking promotion ( {$300.00}, that was awarded separately ) ; also to provide an extra {$100.00} in promotional funds for completing both the Savings and Checking account promotions. 

Besides an attempted mobile deposit of {$15000.00} on XX/XX/2020, from the point of the account opening to XX/XX/2020 I had not been able to provide any funding to my Chase Savings account, either at my local Chase branch or any other possible method. 

After much to no avail, on XX/XX/2020 a requested transfer of {$15000.00} from my XXXX XXXX account to my Chase Savings Account finally posted. 

On XX/XX/2020 I was charged {$5.00} for having a {$0.00} balance with this product. While I was able to get a credit of {$5.00} to resolve the fee, because of this, I was ineligible for the Chase Savings promotion that I was offered by Chase.

{$15000.00} was placed in my Chase Savings as soon as it could be. I took every effort available to me to provide this funding within 15 days as per the terms of the promotion. There was no way possible that I could have had funding in my Chase Savings account on the day of opening due to the COVID-19 pandemic. The fee was reversed by Chase on or around XX/XX/2020. They had indicated to me that because my balance fell below {$15000.00} I would not be eligible for the {$300.00} promotion. The {$5.00} fee was not my fault and completely within the hands of Chase Bank.
Consumer complaint received 2018-10-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CA)

This is the FOURTH time this complete loan mod file has been sent to Bayview. I will be filing further complaints against Bayview with the OCC and the CFPB as Bayview clearly is not reviewing the modification accurately. 

This is a XXXX-year woman in fear of losing her home with nowhere else to turn. She qualifies for a modification if Bayview could accurately underwrite the file and stop asking for erroneous  information that does not apply to this account. 

THERE ARE NO PAY STUBS STOP ASKING FOR THEM SHE IS ON SSI AND SELF-EMPLOYED XXXX XXXX IS NOT ASSOCIATED WITH THIS LOAN STOP ASKING FOR HIS INFORMATION ON THE RMA This may be under the umbrella of elderly abuse, as these documents have been provided repeatedly and no one is reading them, as the same documents are requested over and over and over again. I will take it up with outside agencies as I have had enough of Bayviews incompetenceit is appalling and you should be ashamed of yourselves. 



XXXX XXXX XXXX XXXX XXXX XXXX Fax XXXX
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

In accordance with the Fair Credit Reporting Act the following items are a direct violation of my consumer rights. 

Open XXXX XXXX  Account # XXXX XXXX5 U.S.C 1681 Section 602A states I have the right to privacy.

15 U.S.C 1681 604a Section2 : It also states a consumer reporting agency CAN NOT furnish an account WITHOUT MY WRITTEN INSTRUCTIONS.. 

XXXX, XXXX  Account # XXXX 15 U.S.C 1681 Section 602A states I have the right to privacy.

15 U.S.C 1681 604a Section2 : It also states a consumer reporting agency CAN NOT furnish an account WITHOUT MY WRITTEN INSTRUCTIONS.. 

XXXX XXXXXXXX XXXX XXXXXXXX Account # XXXX Account # XXXX 15 U.S.C 1681 Section 602A states I have the right to privacy.

15 U.S.C 1681 604a Section2 : It also states a consumer reporting agency CAN NOT furnish an account WITHOUT MY WRITTEN INSTRUCTIONS..
Consumer complaint received 2021-12-23
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: Affirm Holdings, Inc (FL)

Made a purchase from XXXX 's using the buy now pay later company called Affirm. The purchase was for {$660.00} but was approved for {$2000.00}. Only used the {$660.00} and now Affirm is demanding that I pay them on the value of the {$2000.00} rather than the actual purchase amount. 

I returned the items to XXXX 's and called Affirm to inform them that I had returned the purchase. I was told by the representative that I still have to pay them {$330.00} even though the items are returned and I have a return receipt. 

Affirm is a fraud and taking advantage of consumers. Affirm is demanding that I pay them {$330.00} when I have returned the items, have a receipt of the items returned. 

Affirm need to be honest and stop trying to dishonestly take money from consumers when they do not owe Affirm
Consumer complaint received 2018-03-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Continental Services Group, Inc. d/b/a ConServe (MI)

I was given a settlement agreement which I paid. It was in 2014 through XXXX XXXX XXXX XXXX XXXX The amount of the settlement was {$2200.00}.

XXXX XXXX XXXX XXXX is saying that I still owe {$3100.00}.

They are taking anything that I am supposed to get back from my Income taxes to pay this debt.
Consumer complaint received 2018-03-10
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. (TX)

I definitely understand the importance of good credit and being a responsible person. During the year 2017, I experienced some health problems that caused me to missed several days, even weeks of work. That lead to getting behind on bills and payments. I contacted XXXX to explain the situation. After several months of treatments and doctors, I am able to get my situation back on track. All I asked for in the GoodWill letter that I faxed to them was to excuse 4 late payments, since out of the 2 years prior I had not been late and now the last 4 months been current or before time. I am the only one employed in our household and everything falls to my shoulders.
Consumer complaint received 2019-08-26
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: DISCOVER BANK (MI)

This company has repeatedly been negligent with customer service matters. Recently, I submitted an inquiry about my bill through the online customer service portal and did not receive a response at all. I waited for two weeks and ultimately had to call customer service because they never responded to my original inquiry.
Consumer complaint received 2018-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

There is incorrect information being reported on my Experian credit report. I have spoken to representatives and sent letters to dispute the public records which should not be reporting on my credit per the XXXX, which states- Beginning XX/XX/2017 public record data collected for credit reporting agencies, including bankruptcies, civil judgements and tax liens are to be removed from credit reports. 

They have not complied with this law, whereas the other bureaus have.
Consumer complaint received 2018-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I definitely understand the importance of good credit and being a responsible person. During the year 2017, I experienced some health problems that caused me to missed several days, even weeks of work. That lead to getting behind on bills and payments. I contacted XXXX to explain the situation. After several months of treatments and doctors, I am able to get my situation back on track. All I asked for in the GoodWill letter that I faxed to them was to excuse 4 late payments, since out of the 2 years prior I had not been late and now the last 4 months been current or before time. I am the only one employed in our household and everything falls to my shoulders.
Consumer complaint received 2021-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2020-01-29
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: Utah System of Higher Education (CO)

This complaint is regarding UHEAA ( Utah High Education Assistance Authority )  Uheaa Address XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX UHEAA, serviced my student loan from XX/XX/XXXX until I paid the loan off early in XX/XX/XXXX. I never paid them late. 

In early XX/XX/XXXX after more than 30 days since I had paid off my student loan in full, UHEAA was still reporting to XXXX, XXXX  and XXXX  that is was an open trade line on my credit report, with a balance. I contacted UHEAA on XX/XX/XXXX and was told to call back in another 90 to 180 days if it still shows an open account. 

I then chose on XX/XX/XXXX to dispute the account with XXXX, XXXX  and XXXX  even providing them the copy of the letter from UHEAA ( XX/XX/XXXX )  stating my loan was paid and closed. 

On XXXX XXXX XXXX I was notified thru my credit monitoring service that the UHEAA account status changed on both my XXXX  and XXXX  credit reports. 

It now showed the account was marked as " closed '' but still had a balance of {$2000.00}, that it was 300 month revolving loan, that it was opened in XX/XX/XXXX, and most upsetting it shows there was a late payment of 60 days past due in XX/XX/XXXX and 90 days past due in XX/XX/XXXX. 

FIRST AND FOREMOST I NEVER, NOT ONCE EVER PAID THIS LOAN LATE. I HAD AN XXXX CREDIT SCORE AND WAS IN THE PROCESS OF BUYING A HOUSE. 

FURTHERMORE EVERY ACCOUNT DETAIL LISTED ON THE UHEAA TRADE LINE ON MY CREDIT REPORTS ARE INCORRECT AS FOLLOWS ; 1. ACCOUNT SHOWS BALANCE, WHEN IN FACT MY ACCOUNT IS CLOSED AND WAS PAID OFF.

2. ACCOUNT SHOWS AS 300 MONTH LOAN, HOWEVER THIS WAS A 120 MONTH LOAN 3. ACCOUNT SHOWS I WAS LATE 60 DAYS XX/XX/XXXX AND 90 DAYS XX/XX/XXXX. I WAS LATE NEITHER OF THOSE MONTHS. INTERESTINGLY ENOUGH UHEAA DID NOT EVEN SERVICE THIS LOAN UNTIL XX/XX/XXXX WHEN THEN BOUGHT OUT XXXX XXXX LOANS. ( I HAVE ALSO CONFIRMED WITH ACS THAT ANY PAYMENT TO THEM WE MADE ON TIME ) ** IN REGARDS TO THE UHEAA TRADE LINE ON MY CREDIT REPORT, PRIOR TO MY PAYING OFF THE LOAN IT NEVER HAD INCORRECT INFO LISTED. THE BALANCE, TERMS, AMOUNT AND EVERYTHING WAS CORRECT. 

XXXX THE INITAL DISPUTE WAS BECAUSE UHEAA FAILED TO UPDATE THE ACCOUNT AND MARK AS PAID AND CLOSED UPON ME PAYING IT OFF **** RATHER THAN CORRECTING IT, THE CHOSE TO FALSELY ADD 2 LATE  PAYMENT THAT DID NOT HAPPEN. 

I have contacted Uhea several times via telephone. each representative has told me they system shows it paid closed, at a XXXX  balance and no late payment were ever made. 

XXXX  has initiated another dispute, but has indicated they can not correct the issues since the issues is coming from what Uheaa is reporting. 

XXXX  shows the same information as XXXX  does, however XXXX  does not. XXXX  is showing correctly with not late payment for UHEAA.
Consumer complaint received 2024-04-26
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: EQUIFAX, INC. (DE)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX De XXXX Prior Investigation # XXXX I am submitting this CFPB Complaint for the 4th time to follow up the addressing of the specific inquiries in my file that have resulted from identity theft. I would like to dispute these inquiries as they do not pertain to any transactions I have authorized or been involved in, regarding the acquiring of goods, services, or money. I kindly request the Equifax Credit Bureau will remove and block these specified remaining inquiries as a result of the alleged identity theft : Equifax : XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX. XXXXXXXX XXXX Once more, I am not familiar with these fraudulent inquiries, and I also have reservations about the accuracy of the information provided in some of them. It should be noted that certain inquiries have already been deleted by other bureaus, raising concerns about their reported history in accordance with FCRA Section 605B. 


Thank you. 
XXXX XXXX