davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-08
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (LA)

I have been harmed by Synchrony Bank. They have lowered my credit line on my JC Penney account based upon an incorrect credit score information and the following reasons which are completely unrelated to the two accounts I have with them : 1. LACK OF REAL ESTATE SECURED LOAN INFORMATION 2. BALANCES ON ACCOUNTS TOO HIGH COMPARED TO CREDIT LIMITS 3. NOT ENOUGH BALANCE PAID DOWN OVER TIME ON INSTALLMENT ACCOUNTS 4. NOT ENOUGH BALANCE PAID DOWN OVER TIME ON STUDENT LOANS Their actions have been very damaging to my credit. All payments on JC Penney accounts have been on time and never late except one payment that was one ( 1 ) day late due to me having internet problems. All open accounts on my credit are in good standing and paid on time.

On the JC Penney account, they lowered my credit line to {$1500.00} from  {$4500.00}. My current balance is {$1500.00}. Their action has caused my credit usage percentage to increase from 34 % to 97 %. 
I have attached my payment activity for this account.My credit report reflects that all real estate, student loan, and other installment accounts are in good standing with on-time payments every month. 
I feel this is an unethical practice that has had a damaging effect on my credit. I am requesting Synchrony Bank review their records and rectify this issue to restore my good credit.
Consumer complaint received 2020-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION (IL)

I could not find the correct option this is as close as i could get. I had a credit card with Navy Federal and i tried to set up payment plans with them to pay down my debt. I called in XXXX to set up a payment plan was planning to have {$85.00} taken out of my account even 2 weeks to pay down the debt. I gave them confirmation of my account number was told it would come out automatically on and every Friday. the first pay date came and passed with no withdrawal i contacted them again and they stated the money attempted to come out but there was an issue with the account. But the rep even gave me and confirmed my account number before continuing. I called again and set up the payment plan and stated i want them to take it out automatically every 2 weeks. I do not have access to make a payment online so i have to call. They stated it will come out every 2 weeks. and confirmed my account number again. Tee payment did come out and i waited for the next payment to come out and it did not. I waited yet AGAIN to see what was the issue and noticed still no payment was withdrawn. I calle for the THIRD time to please have them withdraw the payment and make it an automatic withdrawal. I was told it would be. Now it has not been taken out for the past couple months. I keep receiving letters in the mail telling me to please set up a payment and also via email. Why is it that i have to call 3 times for the same issue and still not getting the money taken out. I am trying to make my payments and i was told by 3 different reps it would be set up automatically yet there is no money being taken out of my account. I am not trying to run from this and want to make sure its paid but no one there is willing to do what i asked.
Consumer complaint received 2019-11-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: AES/PHEAA (GA)

I was shocked when I reviewed my credit report and found 180 days late payment on the dates XX/XX/XXXX to XX/XX/XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2017-12-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A. (WA)

I received notice on the last week in XX/XX/XXXX that my mortgage was being increased from XXXX to XXXX, and this is because I am required to have flood insurance. I called XXXX XXXX for a quote and they said they could insure me for XXXX instead of XXXX what XXXX is charging me. My mortgage payment would go down instead of up. I will loose my house if forced to pay XXXX, I am XXXX and on a fixed income. I have been trying to stop payment that XXXX took out of escrow, but they are not letting me cancel. I have been working on this for 3 weeks now. I have XXXX XXXX waiting for the funds, my new policy would start XXXX XXXX 2017. I thought I was supposed to have 30 to 60 days notice. I am scrambling to save my home. Can you help?
Consumer complaint received 2021-04-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (TX)

I applied for and received XXXX XXXX XXXX XXXX from American Express with a current promotion of XXXX miles if I charged {$2000.00} in the first 3 months. Upon receiving the card, I did not see any mention of the offer, so i called the number on the back of my card, representative from American express informed me that the offer was denied as i had this card in past. I checked my credit report and never had this card, so i opened a case with american express and today when i checked, i was told that when you applied, there was a pop up that said you will not get the bonus miles offer, but i never received any such pop up. this is truly misleading and mischievous. Now they would not let me talk to a supervisor. I saw that promotion on XXXX XXXX  website and decided to apply to get those miles. Now American Express says, they are not willing to do anything for me. case # XXXX that i opened with them is now closed with no resolution. the website never informed me that i will not get the XXXX promotion., otherwise i would have not applied for the card.
Consumer complaint received 2018-07-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc. (IL)

On XX/XX/XXXX I called and asked for the total balance owed and then made an ACH payment over the phone to Seterus in the amount of {$4500.00} for XXXX and XXXX and was charged {$10.00} which I was told was included in the payment amount. Due to a mix-up at my bank, the ACH payment was rejected/returned on XX/XX/XXXX. On XX/XX/XXXX I called Seterus as my online account still showed I was current. I was told that my balance due was {$10.00} ( the rep could not explain why I still had a {$10.00} balance when I had called in to get my full amount owed! ). He then said that I since I knew the payment would be returned that I could make the payment again. I did not elect to do this as I felt that if I made the payment at that time it may be considered as extra payment, not payment for XXXX and XXXX. I checked online and via automated phone again on XX/XX/XXXX and Seterus still showed my as current. On XX/XX/XXXX, my online account showed that I owed the XXXX payment, but not the XXXX payment. I called Seterus and the rep told me that the XXXX payment showed returned, and that the XXXX payment showed paid, but that the XXXX payment was in a suspense account. She could not explain what this meant, and could not transfer me to her Manager as she said he was not in today. She also stated that it could take up to 14 days to correct! This would make my XXXX payment 60 days late! When I asked if there was anything she could do, she said everything was automated and that if I made a payment today it would be for the XXXX payment now due. She also stated that there was no way to talk to the " payment people ''. When I insisted, she said she could send an e-mail asking them to check into it - which she said she did. She then asked when I would make the XXXX payment! - I'm still trying to make the XXXX payment!! 
Here are my issues : 1 ) I called for a full balance to pay for XXXX+XXXX+all fees and paid {$10.00} for the phone payment and was not give the right amount. 
2 ) Neither rep said I could make a payment to avoid my XXXX payment going 60 days delinquent and that they could document that it was a XXXX payment 3 ) The rep told me that XXXX showed paid yet that same amount was in a suspense account. And could not explain what that meant. She did not offer to further investigate and only did so when I insisted. 
4 ) There seems to be no escalation process for issues 5 ) After asking twice to speak to her Manager and getting stonewalled, she then told me he wasn't in today.
Consumer complaint received 2023-03-29
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: EQUIFAX, INC. (CA)

I am writing you because I believe the account on my credit report is not accurate. The data included in my credit report must be documented and validated before it is included in my report. I can't recognize or accept the allegation of delinquency and derogatoriness without factual proof. I am challenging the reportability of this allegation, which doesn't meet federal or state reporting requirements. This data must be reported with the greatest compliance and accuracy possible. XXXX shouldnt report any claims that you know or should know are not in compliance with regulations or the law. I'm writing to remind you that you need to make sure all their claims are accurate and reported in the correct format. XXXX is required by law ( FCRA ) and reporting standards ( METRO 2 ). For any account that is alleged to be delinquent or derogatory, I request evidence that shows why the account is considered to be in that state. This should include proof of a permissible purpose for any inquiry into the account. I have several 90, 120, 150, and 180-day late payments reported where there are no 30-day or 60-day late payments reported prior. I have a letter from XXXX stating that my loan would be completely forgiven which I will include and they still report late payments each month. I spoke to a representative that stated it may take 24 - 36 months for the forgiveness to take place. If you acknowledge my loan will be forgiven and I don't need to make further payments then why am I getting late payments reported every month? The credit bureaus and XXXX have failed to look into this thoroughly. This is unethical, unlawful, and unfair. 

I am requesting either all late payments be removed from both of these reported items listed below or that these accounts be removed from my credit immediately. 

Below is a summary of the data which I am challenging : Summary of Accounts being challenged in list form XXXX ( XXXX ) - ( XXXX ) XXXX XXXX  ( XXXX XXXX - ( XXXX ) XXXX
Consumer complaint received 2020-11-17
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: BANC ONE MORTGAGE CORPORATION (CA)

I wanted to reach out to resolve an issue with a recent credit inquiryon my accountwithout my approval by XXXX XXXX XXXX before I reach out to the credit bureaus and CFPB ( https : //www.consumerfinance.gov/ ). While I am out shopping for a mortgage, I have never applied for a loan with XXXX XXXX nor did I authorize a credit check by this lender. 

I want you to be able to resolvethis for me at the earliest. This is outright identitytheft by your company and I want to make sure I reach out to you before I take further actions. 

XXXX XXXX XXXX, NMLS XXXX. 

XXXX XXXX
Consumer complaint received 2021-10-18
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: Experian Information Solutions Inc. (MO)

I applied for only one card, one time and was approved however XXXX  ran my credit twice and I therefore have 2 hard inquiries on my Experian credit report from XXXX XXXX. I have wrote a letter twice requesting that they remove the duplicate hard inquiry but they are not and simply keep sending a letter asking me to provide the info although I already did including a copy of my Experian credit file showing the 2 hard inquiries. I need XXXX  to please remove one of the hard inquiries.
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I have made repeated attempts, on three separate occasions, to notify XXXX XXXX that I am an authorized user on a credit card account that was fraudulently opened in my name. Despite my efforts, XXXX XXXX has insisted that only the primary account holder can remove me from the account. 

I want to emphasize that I have never utilized nor even seen this credit card, it is imperative that action be taken promptly to rectify this situation, as it is unjust for me to bear the consequences of someone else 's fraudulent actions. 

I kindly request your assistance in addressing this matter with XXXX XXXX as soon as possible.
Consumer complaint received 2023-03-29
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. (MO)

The credit bureau are reporting information on my personal credit report that shouldn't be on it without my permission. I've disputed the following items and they still haven't remove them. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX.
Consumer complaint received 2023-12-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc. (WA)

On XX/XX/XXXX at XXXXXXXX XXXX I attempted to buy a gaming ticket at XXXX XXXX XXXX through the XXXX ATM. My transaction was declined with the message that my daily limit was reached so I did not receive a gaming ticket. I then tried to do a cash advance and received the message that I had insufficient funds. I checked my balance online through CashApp and it showed the original transaction for the gaming ticket was processed which was a {$20.00} gaming ticket and {$5.00} in fees for a total of {$25.00}. 

I industry went to the cashier cage at the casino and a manager checked the digital transaction on the ATM machine which shows exactly what the screen had shown me. It showed the purchase of a {$20.00} gaming ticket and {$5.00} in fees as being declined by my bank ( CashApp ) due to exceeding my daily limit. They told me they were auditing machines later on and to call after noon. 

I called after noon and was connected to XXXX where they verified that CashApp declined transaction so that I received nothing and that I would have to dispute with CashApp. 

I opened a dispute with CashApp and provided the pictures I had of the ATM digital register I was allowed to take that night. ( Attachment 1 ) I was disappointed when CashApp denied my dispute. I requested what they used for investigation and was provided a simple transaction line that said transaction was processed correctly. ( Attachment 2 ) I called XXXX again in case something changed on their end, they once again verified that they didn't not receive anything for transaction because CasApp denied the transaction and due to that I never received anything. 

I redisputed with CashApp by phone and online many times and asked to speak with managers. 

This was due to the fact that THEY COULDNT HAVE CONDUCTED A PROPER INVESTIGATION BECAUSE THEY DID NOT CONTACT EVERI WHO WOULD HAVE TOLD THEM THERE WAS NO TRANSACTION PROCESSED IN XXXX 'S END BECAUSE CASHAPP DENIED. 

All I got was the same response from cash app over and over. They took my {$25.00} and refuse to give it back when all parties ( myself, XXXX ATM, and XXXX XXXX XXXX ) all state that CashApp declined the transaction and that I received nothing
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In Accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protect consumer right to privacy and confidentiality under U.S.C 1681. 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 report agency can not furnish an account without my written instructions. 15 U.S.C 1687c. ( a ) ( 5 ) Section States : No Consumer report agency may make any consumer report of the following items of information. Any other report 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 reporting agency if the person knows or has reasonable cause to believe that information is inaccurate. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-08-31
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Greetings! 

On XX/XX/2020 I was introduced and working with XXXX XXXX from the Bank of America from the Bank of America Mortgage Branch at XXXX XXXX XXXX, XXXX XXXX, CA XXXX. 
I was offered a rate of 3.5 % 30 year fixed with 0 points. I completed my application in the Bank of America Mortgage Navigator and provided pertinent information. The rate was locked and loaded on XX/XX/2020 according to the loan officer XXXX XXXX. 

I was also assigned to a mortgage loan coordinator by the name of XXXX XXXX NMLS ID # XXXX. 

Subsequent to that my property at XXXX XXXX XXXX XXXX XXXX, CA XXXX went through an appraisal/inspection for which I was billed {$630.00} in total. 

The loan was approved through an email from XXXX XXXX. 

However- after months of wrangling and chasing both XXXX and XXXX they either never responded to my emails/texts/calls or they would give me an update that BOA was working on the price books ( whatever that meant ). 

One fine day in XXXX I noticed that my loan application entirely disappeared from the Mortgage Navigator in the BOA website/portal. 

As always tried reaching out to BOA/XXXX to no avail. 

I am attaching the text messages between XXXX and me for your perusal and action. 

This unethical action from BOA has not only cost me monetary losses but also time and effort. 
Notwithstanding the fact that I could have gone with another lender and close my refi in 30-45 days and be paying a lower monthly installment. 

I am talking to other folks to determine what legal recourse I have ; this is a first step in that direction. 

Please feel free to reach out to me for any questions. 
This unethical behavior and extremely unprofessional act from Bank of America should not go unpunished. 

Thank you for looking into this. 

Regards XXXX XXXX
Consumer complaint received 2020-12-11
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ASPIRE FINANCIAL INC. (TX)

I checked my credit before applying for a cash out re-fi. All 3 reports show in the high 700 's and was told I could get a rate of 2.375 %. 

I gave permission for Texas Lending to pull my credit. They said I have a XXXX score and couldn't give me a reason and tried to give me a higher rate. I called and requested an explanation and offered to share screen shots of all 3 agencies showing my credit score. I was told a mortgage score is different and that I needed to repair my credit. 

I believe this is fraudulent and they want to give potential customers higher rates. 

Texas Lending was the company and below is the agent. 

XXXX XXXX XXXX XXXX XXXX TexasLending.com XXXX. XXXX  XXXX XXXX # XXXX XXXX Direct  XXXX XXXX fax XXXX cell XXXX XXXX
Consumer complaint received 2020-08-31
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. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.XXXX  XXXX {$2100.00} XXXX XXXX XXXX XXXX {$570.00} XXXX XXXX {$89.00} XXXX XXXX XXXX {$390.00} XXXX XXXX XXXX {$690.00} XXXX XXXX {$980.00} XXXX   XXXX {$1400.00}
Consumer complaint received 2020-08-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation (CA)

* Penn Credit ( XXXX, PA ) is attempting to collect a debt for State of California Storm Water Resources Board for {$1600.00}. 

* No money is owed because our facility was no longer required to file with the State of CA for an annual permit for storm water compliance. 

* A Notice of Termination '' was filed and mailed to the State of CA in XXXX, CA on XX/XX/XXXX. 

* XXXX XXXX ( of the State of CA Storm Water ) confirmed via email on XX/XX/XXXX the receipt of " Notice of Termination ''. His contact information is XXXX. And his telephone number is XXXX XXXX XXXX XXXX. 

* Penn Credit began collection attempts in XXXX XXXX XX/XX/XXXX : I contacted Penn Credit on with all the pertinent information to dismiss the debt. 

* XX/XX/XXXX : I contacted Penn Credit on with all the pertinent information to dismiss the debt. 

* Penn Credit contacted us via mail regarding the debt with a letter dated XX/XX/XXXX. 

* XX/XX/XXXX : I contacted Penn Credit via telephone, fax and email with the same information previously provided to Penn Credit on XX/XX/XXXX and XX/XX/XXXX. 

* Penn Credit is creative in changing their " Penn Credit ID reference number '' to create a new debt cycle.
Consumer complaint received 2021-10-18
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. (WA)

Contacted Equifax and started a complaint there customer rep.I could hardly understand with his broken english in what ever country I was transferred to. I still file a complaint regarding account balances on my credit are incorrect.

1.XXXX/XXXX XXXX XXXX XXXX XXXX, OH XXXX - credit card balance showing {$360.00} paid off on XX/XX/52021 2.XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX - credit card balance showing {$270.00} paid off XX/XX/42021 3.XXXX XXXX XXXX balance should be {$150.00} owning
Consumer complaint received 2020-11-17
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. (WI)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 


INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020