davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIRST HORIZON BANK (TN)

Saw a unauthorized charge of XXXX from a overseas company XXXX XXXX and I did not not do. Checked with the bank but they said my time was up to report. Learned this week that my card was compromised at XXXX 's restaurant. How can I fix this or get my money refunded.
Consumer complaint received 2024-05-21
Product: Student loan — Private student loan
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: New Mexico Educational Assistance Foundation (NM)

I graduated in XXXX with XXXX in student loans. From XXXX to XXXX, the lender did not apply any portion of the payment to the principal balance and continued to accrue daily interest on an improperly calculated balance. In XXXX, when the loan was not paid off due to their errors, they increased my payment by almost double. After I argued with them and showed them that they had incorrectly applied payments, they zeroed out future payment interest so that all payments went to principal but they did not go back and reassess how the payments were applied from XXXX to XXXX so the balance does not reflect the credit for that period of time. To date I have made XXXX payments plus garnishment payments totaling XXXX, XXXX which has gone to interest and an additional XXXX towards a XXXX balance yet I still have a balance of XXXX which I have stopped paying and am headed into default on because I have XXXX and can no longer pay this and I do not believe I owe this. Despite repeated attempts to resolve this, I am continuing to get answers involving how much interest I accrued during forbearances and deferments, which was never disclosed to me up front and is capped regardless. What they are refusing to do is to reassess the loan with the proper application of payment to principal which would reduce the daily interest they claimed they were applying the payment to and additionally results in the loan being at a credited balance. Additionally, they continue to report me as late on a loan that I has been paid. I have attached the payment history and current statement amounts. On the payment history it is very clear that nothing was applied to the principal, there was money credited towards fees that were not due, the daily interest keeps increasing due to the failure to properly apply the payments to principal, the principal balance increases somehow by almost XXXX, and the balance is never recalculated.
Consumer complaint received 2022-03-08
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (GA)

i had two synchrony bank credit cards ( one for XXXX and the other synchrony care card ). Both cards were cancelled unjustifiably. When I received a letter in the mail about the XXXX card, I paid the past due balance in early XXXX and they closed it on XXXX XXXX. My synchrony bank account was also closed last month and I was up to date on all of my payments. I was told that they apologize for the inconvenience, but I would still have to apply for another card since it was already closed erroneously??? That makes absolutely zero sense. They messed up my credit score with all of this and I want them to fix this immediately. I have seen the complaints recently and the main ones is the statements not matching, saying that the cusstomer is past due on payments when that is incorrect, and erroneously cancelling credit card accounts without permission or explanation. This gives me the indication that I am not the only one nor the last person who will go through this if they are not held responsible for not even attempting to resolve these issues. Messing with people 's livelihoods is not the type of company that I would like to do business with in the future. Also please note that even though my accounts have been closed. I still maintain my payments. So they can not say that I have stopped. They have also shut off my autopay without my permission which is why one payment was late with XXXX.
Consumer complaint received 2022-06-20
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. (GA)

In accordance with the Fair Credit Reporting act XXXX Account # 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 a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (CA)

Synchrony XXXX Consumer account reporting XX/XX/XXXX covered under Covid 19 plan no payment due and XX/XX/XXXX reported late inaccurately when they received a removal of account payment for waiving late fee account compromised and refund of ancillary services applied company has repeatedly stated they sent for correction to credit bureaus this occurred from human error and rest assured it would be fixed since such time I have paid in full. 

It also is marked as a secured loan when it was unsecured You already received {$27000.00} from me and I consider you practices to be beyond deceptive and misleading to say the least
Consumer complaint received 2021-12-02
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)

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. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXXXXXX XXXX****-Balance {$0.00} XXXXBalance {$0.00} XXXX-Balance {$380.00} XXXXXXXX****-Balance {$0.00} XXXX {$22000.00}
Consumer complaint received 2021-12-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (NV)

On XX/XX/XXXX, I found many unauthorized transactions from my Citibank checking account. Those were XXXX transactions and the amount was {$1700.00}. I immediately contacted the Citibank agent through phone call and opened a dispute for this case. At the time, those transactions were still pending status. But Citibank said an investigation will take 3 months and I needed to wait until they make a decision. So I waited 3 months but I didn't get any update. So I contacted Citibank on XX/XX/XXXX through a phone call and they said they resolved my dispute and by their investigation result, they think those transactions were correct. But it doesn't make sense. Because some of those transactions proceeded from offline store in the XXXX, but I left the XXXX on XXXX, XXXX and never have cameback yet. I'm still staying abroad until now, XXXX XXXX, XXXX. And the debit card that made those transcations is on my hand now. They are saying the person who lives in XXXX XXXX used the debit card in offline store in Michigan. It was 100 % the debit card fraud incident. I never give this debit card to someone and never shared an information to somewhere. Citibank couldn't dectect debit card fraud incident and charges damages to their customer by lying or doning nothing. They could know at least they tried to check XXXX from those stores and contact me while they investigate. They didn't do effort for their duty of due diligence. I sent a letter with evidence that can prove I'm staying abroad since XXXX, XXXX, for appealing their decision but didn't get any response yet. 

I'm attaching the appealing letter that I sent to Citibank.
Consumer complaint received 2018-10-19
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Army and Air Force Exchange Service (AE)

On or about XX/XX/2018, my XXXX XXXX XXXX was charged for a purchase of {$160.00} in a XXXX, Florida. I am an XXXX XXXX servicemember, currently stationed at XXXX XXXX XXXX ; I am a resident of South Carolina ; and I have never been to Florida. I contacted XXXX XXXX XXXX on or about XXXX XX/XX/2018 at XXXX XXXX, by phone. I informed them of the incorrect charge and I was informed that I would have to address the charges civily with the individual who made them. The reference number for the charge is : XXXX. I originally applied for a XXXX XXXX in XX/XX/2018, but I have never received the credit card.
Consumer complaint received 2021-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

TRANSUNION file Number : XXXX XX/XX/21 has error on XXXX XXXX XXXX XXXX CA XXXX with no APT number on the same report the right address is XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX
Consumer complaint received 2016-06-20
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Credit Union Mortgage Association, Inc. (VA)

As required, three days prior to closing I received a closing disclosure from my lender that I believe was not made in good faith. This closing disclosure did not include the prorated amount XXXX XXXX & city/town property tax the seller had already paid and that I would reimburse, a prorated amount of XXXX fees that the previous sellers paid and that I would reimburse, and prepaid XXXX fees. At closing, I had to cover these additional costs to take possession of the property for a total additional amount of {$1100.00}. I believe the lender was in violation XXXX for not providing actual costs that should have been readily available to them.
Consumer complaint received 2020-02-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (PA)

my loan started in XXXX with aes. i defaulted in XXXX i then setup payment arraignments. Two payments twice a month for three years was withdrawn by aes. they claim they were not the ones who withdrew the money. i provided bank statements as proof. i have accrued thousands of dollars in fees and interest. when i cal, the customer services representatives are have been rude, unknowledgeable, condescending and confusing. after all this, i owe as much as when i started.
Consumer complaint received 2018-05-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (NC)

I have had an AMERICAN Express XXXX Skymiles card for just under 20 years. Last week I received via postal mail a letter stating my XXXX skymiles card was going away and I would be moved at not cost to me to the Gold card. The funny thing about the letter was it stated that the current card was free. I was pretty sure I pay {$50.00} bucks a year for a fee. Well today I get my monthly bill and sure enough I have a {$50.00} fee for annual fee. 

I decide to click on card options and the exact card I have is showing on the AM X web site while I am logged in as carrying NO FEE. 

I did an online chat and it only left me more confused as the agent told me that the no fee card was going away and starting next year I would pay the XXXX fee for the gold card. Yet the card I currently have is listed and shown exactly as mine available at NO FEE. So if I am being charge {$50.00} then it is not a free upgrade. I also understand that XXXX apparently made my card free last year yet they still charged the {$50.00} annual fee last year. 

I asked if all customers were paying for the free card and was told during the chat yes you are all be treated the same. 

I am pretty certain if you were to go to AM X and click on various cards and pull up the XXXX card you would also see that it clearly states NO ANNUAL FEE. So makes zero sense.
Consumer complaint received 2017-03-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Fidelity National Information Services, Inc. (FNIS) (CA)

To whom this may concern, In follow up to my disputes concerning false information on my credit report, I have obtained my FTC Identity Theft report number which is : XXXX. The website is broken at the moment and will not generate a full PDF, however, Chex Systems , Inc. is legally required to investigate all disputes for fraud and the information within this PDF will assist in removing known to be false and previously disputed information.
Consumer complaint received 2021-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GLA Collection Company, Inc. (KY)

I disputed a GLA collection account on my report which is inaccurate. GLA is reporting a medical bill unpaid and in collections when in fact all my bills with the medical provider are paid in full and were done so via my insurance provider according to contract. Not sure who they bought the debt from but obviously they did not verify it and have made no attempt to do so and are choosing to place this negative lie on my report. I have proof directly from my medical provider to show I have no outstanding balances.
Consumer complaint received 2018-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Risecredit, LLC (TX)

A personal loan account appeared on my credit that was obtained fraudulently by my then fiance. This loan should have never been issued and was NOT authorized by myself. Rise should require more identification to issue loans. Second of all, they have never reported correctly in regards to balance, status, and payment information. They are reporting a 30 day late in 2017. Please remove this entire fraudulent account off of my credit report.
Consumer complaint received 2015-07-18
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: JH Portfolio Debt Equities, LLC (MD)

I have received XXXX letters now XX/XX/XXXX from a collection agency on a debt ( that I do n't even remember ) from XX/XX/XXXX. However, I do remember that I had any and all debts discharged from a bankruptcy XX/XX/XXXX.
Consumer complaint received 2022-03-03
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. (NY)

TO WHOM IT MAY CONCERN, I HAVE DISCOVERED THERE IS UNAUTHORIZED INFORMATION IN MY NAME BEING USED ON MY CREDIT REPORT. I BELIEVE I MAY BE A VICTIM OF IDENTITY THEFT. I HAVE UPLOADED AFFIDAVIT FROM FTC REPORT # XXXX, PLEASE INVESTIGATE THESE MATTERS AND REMOVE / DELETE THIS ACCOUNT FROM MY REPORT. ACCORDING TO THE FAIR DEBT COLLECTION PRACTICES ACT BELOW IS A LIST OF LAWS THAT HAVE BEEN VIOLATED, 15 USC 1681 C 2 15 USC 1681 B ( A ) ( 2 ) 15 USC 1681 A ( K ) ( III ) 15 USC 1681 ( A ) ( 4 ) 15 USC 1692 D ( 1 )
Consumer complaint received 2017-02-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC (FL)

I received a " Fee Schedule '' insert in my envelope with my XXXX Tax form from Shell Point Mortgage Servicing. The newly instated fees, of which we have no say over, by this company that " assumed '' my mortgage are excessive, to say the least. In some cases the increase is 100 %. This is an undue, unfair, unrepresented increase. For example, if I chose to have my house appraised, they have created a {$1000.00} to assess me. In order to pay my bill, it will now cost me {$10.00}. It used to cost {$0.00}. The recording fee went from {$0.00} to {$100.00}. If they choose to hire an attorney for any reason, even if I am unaware of it, they will charge me {$35000.00}. If I declare bankruptcy, they will charge me an additional {$2000.00} just for declaring it, up from {$0.00} previously charged. There is a " loan repayment fee '' for paying the loan which is undisclosed because it " can vary widely ''. 
These are just some examples. 
These seem outrageous. We did not choose this company so we have no say in this.It is abusive.
Consumer complaint received 2019-11-11
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

I told XXXX  Equifax and XXXX  that this debt was not suppose to me reported the company agreed to delete this debt. I have made complaints against this company. I will attach all documents to show this debt needs to be removed from my file. 

They have violated article 807 and 808
Consumer complaint received 2019-11-11
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: CCS Financial Services, Inc. (AR)

3 COLLECTORS ARE ON MY CREDIT REPORTS, CEASE AND DESIST COLLECTIONS AND GET OFF CREDIT REPORTS. OR BE SUED IN CLASS ACTION LITIGATON.
Consumer complaint received 2023-06-13
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXXXXXX Balance : {$20000.00} XXXX XXXXXXXX Balance : {$20000.00} XXXX XXXXXXXX Balance : {$20000.00}
Consumer complaint received 2022-07-24
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. (MI)

WHY ARE YOU REPORTING THIS INACCURATE INFORMATION? THE BALANCE ON THIS ACCOUNT IS {$0.00} MEANING THERE AREN'T AN OBLIGATION THAT'S DUE. THE BALANCE WAS PAID OFF OVER 10 YEARS AGO. THIS INACCURATE INFORMATION IS DEFAMATION OF MY CHARACTER.The obligation was paid theres no need to have inaccurate information reporting especially when the obligation has met these types of things destroy a person 's life and character. 


THIS ACCOUNT SHOULDN'T BE LISTED AS DEROGATORY WHEN THE BALANCE AND {$0.00} AND NOTHING WAS NEVER OWED ON THIS ACCOUNT DELETE THIS INACCURATE INFORMATION. 
WHY ARE YOU ALLOWING A SCAMMER TO RUIN MY LIFE AND YOU WONDER WHY ITS XXXX XXXX
Consumer complaint received 2024-05-17
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

XX/XX/XXXX for {$6.00} ; XX/XX/XXXX for {$11.00} ; XX/XX/XXXX for {$11.00} ; XX/XX/XXXX for {$53.00} ; XX/XX/XXXX for {$11.00} & XX/XX/XXXX for {$11.00} I called Capital One in XXXX and disputed the charges. The representative did a purchase adjustment totaling {$190.00} and blocked XXXX XXXX from taking funds from my credit card. 

Some time in XXXX I noticed charges on my statement from XX/XX/XXXX for {$190.00} and on XX/XX/XXXX for {$53.00} from XXXX XXXX XXXX. I immediately called Capital One. The representative stated that unfortunately XXXX XXXX created a virtual credit card and changed their name and obtain funds from my credit card that way. 

I have been disputing ever since directly with Capital One. Theyre dismissing me. I filed an Identity Theft Report, but havent heard anything back. Im constantly receding a bill with additional higher late fees. I filed a complaint recently with BBB also.
Consumer complaint received 2021-06-08
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. (TN)

I have filed a dispute with Experian regarding an account listed that is not mine. The company involved was XXXX XXXX XXXX which my account has been paid and closed since XXXX. XX/XX/XXXX is the date of my last dispute when XXXX XXXX reported the account as mine that account started with XXXX. Spoke to someone at first electronic today and she confirmed the account is not mine but belongs to another person whose middle initial is L and lives in a city I have never lived in. The person also stated my paid in full letter was sent to my XXXX address. Please remove from my report asap
Consumer complaint received 2018-05-23
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (TX)

I received a communication from Home Depot ( Citibank ) regarding a credit card charge. I immediately contacted Home Depot and after remaining on hold for more than an hour, I finally reached some one who directed me to Citibank. I called them and explained that I had never applied for a Home Depot card and did not have one. The person I spoke to assured me that they would send it on to the fraud department. They said that someone had applied for the card in the store and they would start an investigation. 

Then about one month later, I received a call with a recorded message that my account was overdue with new charges. I had another long session on the phone with someone named XXXX and employee number XXXX. He repeatedly asked me for personal information even after I explained the situation. I resisted but finally relented, after which he continued to ask me to make a payment on the account. I was finally handed off to a supervisor, who admitted that the account was flagged and saw that I had contacted them previously. She put me on hold, then returned and said the Fraud department could not be reached. This occurred Saturday, XX/XX/XXXX. 

Today ( Wednesday, XX/XX/XXXX ) the recorded calls started again, asking me to call the same number. I would like these people to straighten this out on their end and never bother me again. I promise I will never open an account with them. I have no account number because I have no account or documentation because I have no account. They can only find me by using my name and phone number.