davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-01
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: TD BANK US HOLDING COMPANY (NY)

I made a purchase at XXXX XXXX XXXX furniture store on XX/XX/XXXX. This purchase was made with no interest with an equal amount of payments. The promotion expired on XX/XX/XXXX. I set those payments up for automatic recurring ACH payments from my checking account. This was account XXXX according to TD Retail Card Services . 

I made an additional purchase from XXXX XXXX XXXX furniture store on XX/XX/XXXX. This was a deferred interest with payment, expiring on XX/XX/XXXX. I set those payments up for automatic recurring ACH payments from my checking account. This was account XXXX according to TD Retail Card Services . 

As my promotionalTD Retail Card Services XXXX XXXX XXXX  was going to expire, I had an accrued interest of {$490.00} on # XXXX. I called TD Retail Card Services toll free number XXXX a number of times, and was repeatedly told ( on a recorded line ) that there was no way for me to direct a specific payment to the expiring promotional sub account. 

I was placed in a situation of either paying off the entire account ( both purchases ), or my deferred interest was going to post to my account. I felt coerced, and paid the entire balance off of {$2400.00}, as it was evident to me that their business model is to force the consumer to have that the deferred interest post to the account. 

I complained to XXXX XXXX XXXX also, since their corporation made me, the consumer, deal with the finance company that they choose to do business with. Nobody was willing to do anything to address this, and I hope you can, as I am now short on cash as a result.
Consumer complaint received 2020-04-27
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. (FL)

Verify Method of Verification.

CFPB Complaint was submitted and the response was received in Report # XXXX Date XX/XX/20. Federal Register outlining the Federal Trade Commission 16 CFR Part 660 Procedures To Enhance the Accuracy and Integrity of Information Furnished to Consumer Reporting Agencies Under Section 312 of the Fair and Accurate Credit Transactions Act ; Final Rule ; Guidelines for Furnishers of Information to Consumer Reporting Agencies ; I am absolutely certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation. If e-oscar was used please show verification fo Metro 2 compliant data. 

All previous letters and documents that I sent to you previously are once again attached along with this correspondence in order to help you process this request.

15 U.S. Code 1681i. Procedure in case of disputed accuracy ( 6 ) Notice of results of reinvestigation ( B ) ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 

The proof of Investigation methods and proof that I am using a third-party service is requested in the failure to remove the following items : Creditor : XXXX XXXX XXXX   XXXX XXXX - Account : XXXX. 
Creditor : XXXX XXXX XXXX Account : XXXX .... 
Creditor : XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX XXXX Account XXXX XXXX Creditor : XXXX XXXX XXXX XXXX Account XXXX XXXX
Consumer complaint received 2018-06-14
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (PA)

I have two separate Synchrony accounts. One is for a carpeting purchase. One is for air conditioning installation. Synchrony sends bills late, or not at all. In this way, they can impose a late fee AND increase the interest rate on one 's account. I suspect this may be a widespread practice, as I have spoke to friends who have had similar experiences. When I have called Synchrony on this, they remove the late fee and say they will send bills on time. Someone would investigate this.
Consumer complaint received 2021-08-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (CA)

I PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF ACCOUNTS ON MY REPORT. THE COMPANY IS IN VIOLATION OF : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1681 ( b ) ( 2 ) ( a ) 15 USC 1681 ( c ) ( 2 )
Consumer complaint received 2018-02-21
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TN)

Have been trying to improve my credit score for a long time. It has been slowing rising. believe in not having credit cards. Only items on my credit report were student loans which I co signed for my daughter, an auto loan I cosigned for another daugther, and a small auto loan which I have. The auto loan for my daughter was paid off so I assumed that my credit score would go up somewhat. To my surprise it went down 15 points. Cant understand why with report showing all accounts in good standing, why my credit sore would go down 15 points, not up or remain the same. Have strived to improve my score, only to see it drop. Contacted equifax to explain why only to get the run around. Only thing they told me to do was contact you. Have strived to keep my credit spending under control.
Consumer complaint received 2018-02-21
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (MO)

I received a call from XXXX who services my homeowners insurance to let me know that a payment had not been made in early XX/XX/XXXX. I reached out to XXXX at this time because they bought my loan from XXXX XXXX XXXX XX/XX/XXXX before the payment way due. I talked to XXXX XXXX XXXX   department and they said that it had been paid. I gave it a few days and called XXXX back. They said they still had received no payment and that my homeowners was set for a cancellation notice to go out. I reached out to XXXX again the last week of XX/XX/XXXX. The insurance services department said they would escalate it for research. Again I didnt hear back. I called the first week of XX/XX/XXXX and they said to give it a few more days because it was still being researched. We sold my house on XX/XX/XXXX and no money came back from escrow to me. I received no refund from my insurance. I called back again XX/XX/XXXX after receiving a bill from my insurance company. Insurance services said they researched and found that I would have to talk to someone in their customer service department because they couldnt see the information they needed. They tried to transfer me but it disconnected them. I called the direct number twice yesterday and twice today and after long wait times I am disconnected. I called my former mortgage company, XXXX XXXX XXXX, and they say they transferred {$1900.00} of escrow on XX/XX/XXXX when the loan was sold. My property taxes were paid but my insurance was not paid by XXXX, but they have lost the money and wont even give myself or my insurance company a check number to try and track this apparent payment. This is over {$600.00}. I then initiated an online chat with XXXX and the agent ( XXXX I think was his name ) said I would have to call. I told him I have multiple times but always get disconnected and his only answer was sorry we are experiencing high call volume and that he couldnt have someone call me I would just have to keep trying. I dont know what else to do to get the insurance company their {$95.00} and me the rest of the escrow money they owe me. Thanks!
Consumer complaint received 2018-02-21
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (PA)

On XX/XX/XXXX XXXX XXXX XXXX called me regarding payments on my student loan with Navient ( formerly XXXX XXXX ). I set up a payment arrangement of {$150.00} for 5 years. On XX/XX/XXXX I noticed that my payments were no longer being deducted from my checking account. When I called XXXX XXXX XXXX, I was informed that my loan was recalled to Navient. I got no correspondence regarding the recall. I was told to call Navient. So, I called Navient, they game me the address of the XXXX XXXX XXXX. This is where I was supposed to send my payment. My XX/XX/XXXX was cashed and credit to my account. My XX/XX/XXXX payment has not been posted or cashed to my account. I called Navient on XX/XX/XXXX, they informed me that my payment wasn't cashed b/c my account is in litigation with bankruptcy court. Once again, I have no correspondence regarding this and no one at Navient can help me with my account. All I'm asking is for Navient to honor my payment arrangement, update my account, cash my checks and provide me with an explanation as to what is going on with my account.
Consumer complaint received 2018-02-21
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: JPMORGAN CHASE & CO. (GA)

XX/XX/XXXX Dear Sir or Madam. 

I am XXXX XXXX. I suffer with XXXX   XXXX XXXX. I have a daughter with XXXX. My husband XXXX on XX/XX/XXXX. I bought a car through chase auto financing in XXXX when my husband was living on XX/XX/XXXX. When my husband was living, I could afford the payments. I tried to refinance in XXXX and I was turned down. When I purchased the vehicle my credit score was XXXX or better. I recently tried to refinance in XX/XX/XXXX and they turned me down again. My credit score is higher and I have a 100 % payment history with them. I can't afford these payments of {$410.00} a month. I don't know what to do except to write to you all to please help me because Chase would rather me loose the vehicle and mess my credit up than to work with me on my notes. I had to take out a loan to pay them for the month of XX/XX/XXXX. My life is so much harder and I don't know where to turn. Me and my daughter is all alone in this world without any help since my husband died. Please help me because I am so confused and so stressed out. 

Sincerely, XXXX XXXX
Consumer complaint received 2017-12-07
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. (VA)

I have credit inquiries on my credit report that I did not authorize or I did not apply for anything, I am a XXXX woman who have a live in nurse that have probably tried to get things in my name I dont think it is fair for them to remain on my credit file for something I did not apply for or authorized for my credit file to be reviewed
Consumer complaint received 2023-12-28
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. (GA)

The Fair Credit Reporting Act ( FCRA ), as outlined in 15 USC 1681 section 602, establishes the importance of consumer reporting agencies like XXXX, TransUnion, and XXXX conducting their substantial responsibilities with fairness, impartiality, and respect for consumer privacy. Under 15 USC 6801, it is mandated that financial institutions maintain an ongoing duty to honor customer privacy and secure sensitive personal information. As such, XXXX XXXX, categorized as a financial institution, is bound by these provisions. Specifically, 15 USC 1681 section 604 allows consumer reports to be furnished solely with the consumer 's written permission. 
However, I have not provided XXXX XXXX or the mentioned consumer reporting agencies with my consent, in any form, to share my information. Furthermore, under 15 USC 6802, a financial institution is prohibited from disclosing personal information to unrelated third parties without informing the consumer of their right to prevent such disclosure. I was not made aware of this right by XXXXXXXX XXXX 

Moreover, 15 USC 1681C ( a ) ( 5 ) restricts consumer reporting agencies from including certain negative information older than seven years in their reports. Any reporting of such outdated adverse information by these agencies without my consent is a violation of the FCRA. Additionally, 15 U.S. Code 1681s2 ( A ) ( 1 ) prohibits the dissemination of information by any entity if there is knowledge or reasonable belief that the information is incorrect.

Consumer reporting agencies are required by 15 U.S. Code 1681e to establish adequate procedures to prevent violations of section 1681c and ensure that consumer reports are only used for authorized purposes. Failure to maintain these procedures by XXXX, Transunion and XXXX would be non-compliant with the FCRA. Lastly, as per 12 CFR 1016.7, I am entitled to opt out of such reporting services at any time, which I am hereby exercising.
Consumer complaint received 2021-01-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Seattle Service Bureau, Inc (VA)

My car was stolen was stolen on XX/XX/2020 and report to the City of XXXX Virginia on XX/XX/2020 with a report number of XXXX. The person who stole the car was in an accident XX/XX/2020. I know nothing other than this about the accident. The person was hit by the stolen car had XXXX XXXX XXXX. My insurance, XXXX, denied the claim in the accident since the car was stolen. National Service Bureau is attempting to collect a subrogation claim on behalf of XXXX XXXX from me to the value of {$4700.00}. 

I received a letter asking for my insurance information and my insurance responded on XX/XX/2020. National Service Bureau continues to try and collect on a debt that is not owned even after they were contacted by insurance.
Consumer complaint received 2018-02-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (OK)

XXXX : {$1100.00} I ended service with XXXX and returned the phones the they told me that the boxes were scanned in at XXXX but they didnt receive the phones at their place.nobody has counted me to fix this ever
Consumer complaint received 2022-08-05
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: EQUIFAX, INC. (NY)

The inquiries and information in my report were inaccurate. By submitting letters to all three credit bureaus, I requested that they investigate and analyze my files. The fact that this material are still being circulated has an impact on my credit. As a result, the credit agency had nothing to do to remove the inaccurate information and inquiries stated below. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, NY XXXX EMPLOYER : RETIRED Date Updated : XX/XX/XXXX UNKNOWN Date Updated : XX/XX/XXXX XXXX XXXX  Date Updated : XX/XX/XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-04-26
Product: Credit card or prepaid 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: Credit Wise Recovery Solution LLC (NY)

I got an update saying my credit score went down by 72 points because i reached my limit on the card but i never did i still had available credits and upon looking through my transactions it seems like theres been a purchase made without me knowing
Consumer complaint received 2020-04-26
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: Early Warning Services, LLC (GA)

XXXX XXXX is aware that I am a victim of Identity Theft, yet they still have not removed this incorrect information from my report. They also have not provided any validation documentation for the following information : XXXX XXXX XXXX XXXX  Early Warning Services is reporting both XXXX XXXX, and XXXX XXXX XXXX XXXX on my consumer report. Despite numerous attempts to have this INCORRECT information removed, it is still being reported. With this incorrect information being reported, I am unable to obtain any membership through my local credit union.It is highly ILLEGAL to report incorrect information. With this false information reporting not only does it violate my consumer rights, but it damages my financial reputation.
Consumer complaint received 2020-04-26
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: CAPITAL ONE FINANCIAL CORPORATION (PA)

Walmart credit card with Capital one. Refuse to accept challenge for four months of satellite radio. Called miltiple times. Requested new credit card number and received, company kept billing. Now have my card frozen and refuse to unfreeze.
Consumer complaint received 2020-04-26
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: EQUIFAX, INC. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2015-11-24
Product: Credit card — 
Issue: Billing disputes — 
Company: TD BANK US HOLDING COMPANY (MA)

We have a credit card that offered 0 % financing for 5 years on the purchase of a lawn mower. We have been paying our payments for 4 years and they claim they sent a letter in XX/XX/XXXX adjusting our minimum payment by rounding it to the nearest dollar ( XXXX cents ) we did not receive the letter and did not adjust our payment this resulted in XXXX late fees ( {$35.00} and {$25.00} ). We contacted the credit card company and they offered to refund XXXX of the late charges for {$35.00}. We still feel that both fees are unfair seeing that there is only a XXXX cent difference. in what we paid and what we " owed ''. We have paid the additional {$25.00} to keep our account current.
Consumer complaint received 2016-09-10
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (LA)

I am a victim of a online scam. I used money gram to send the money and after finding out that it was a scam I contacted money gram to see about recovering the money, they wo n't give me info. And are n't trying to help recover the money.
Consumer complaint received 2024-03-06
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: SANTANDER HOLDINGS USA, INC. (NY)

I took a car loan from Santander Bank USA since XX/XX/2016, and I have paid doubles of payment to Santander Bank USA. Santander bank with XXXX. I was informed by Santander bank XXXX that my matured date has been completed but I am confuse with the fact Santander bank is asking me to pay additional & XXXX with interest rate at XXXX % that is why I am seeking the guidance from Consumer financial Protection Bureau. Santander bank USA also denied me the class action settlement stated that I am ineligible due to missing payment.
Consumer complaint received 2022-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I asked the credit report to correct inaccuracies an they didn't! 

In accordance with the FAIR CREDIT REPORTING ACT : TransUnion is showing ACC. # XXXX from XXXX XXXX TransUnion is showing ACC. # XXXX from XXXX TransUnion is showing XXXX XXXX XXXX from XXXX XXXX XXXX is showing ACC. XXXX XXXX from XXXX XXXX XXXX is showing ACC. # XXXX from XXXX XXXX is showing ACC. # XXXX from XXXX XXXX XXXX showing ACC. # XXXX from XXXX XXXX XXXX is showing ACC. # XXXX from XXXX XXXX ALL HAS VIOLATED MY RIGHTS 15 USC 1681 602 A States I have a right to privacy 15 USC 1681 Section 604 A Section 2 States a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2020-04-26
Product: Credit card or prepaid card — Store credit card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A. (CA)

Hello, This is a follow-up to an unauthorized credit inquiry for requesting more evidence # XXXX, # XXXX. Please review XXXX SECTION 8, page 20 listed as : XX/XX/2019 DSNB/BLOOMINGDALES
Consumer complaint received 2018-02-19
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Nationwide Credit & Collection, Inc. (IL)

For the past few months I have been getting phone calls stating " This is Nationwide Credit and Collections. '' I have excellent credit and have zero debt. When I google the number, sure enough I see reviews upon reviews that this is a scam! Please help me stop them before an innocent falls for it! 

The phone number that keeps calling me is XXXX.
Consumer complaint received 2017-12-07
Product: Credit card or prepaid card — Store credit card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

On XXXX XXXX, 2017 I received an email from XXXX XXXX  about a new hard inquiry on my credit report. The inquiry was for a card from a store called XXXX XXXX. Attempted an email but no return as of this message.
Consumer complaint received 2018-06-15
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: Navient Solutions, LLC. (PA)

On XX/XX/XXXX I XXXX XXXX spoke wit XXXX and XXXX about a student loan that was report incorrectly in the amount XXXX on an account the was not due until XX/XX/XXXX