davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-04
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL (CA)

I have a Synchrony Bank card ( Care Credit ) and my payment due date on my account is on the XXXX of each month. I never been late or missed payments on this account and in XXXX, was the first time I made my payment a few days later on XX/XX/18 for {$73.00}, due to a payroll error with my employer. Since I never been late on this account, I was advised by a representative that a late fee would not be added to my account, however, on XX/XX/2018 would be added. In XXXX, due to an oversight, and still recovering from my reduced paycheck for the prior month, I didn't realized that I forgot to make my payment on XX/XX/2018 and on XX/XX/2018 when I logged on to my Synchrony Bank account to make my regular payment, I noticed my minimum due amount being really high, so I contacted Synchrony Bank and was connected with a representative named XXXX, who assisted me in removing the {$38.00} late fee that was already posted on my account on XX/XX/18. My XX/XX/XXXX statement was showing a total due amount of {$170.00} and she advised me to make a payment for {$140.00}, since both my payment and late fee reversal would total {$170.00}. I made the payment of {$140.00} and today when I logged on to my account to verify accuracy on my account after payment and late fee reversal were posted, I noticed that there is still a payment amount requirement in the amount of {$38.00} due on XX/XX/18. I contacted XXXX XXXX again today ( XX/XX/18 XXXX PT ) and asked to speak with a supervisor and was transferred to a male representative who introduced himself as " XXXX ''. I explained the situation and asked him how this situation can be corrected and he was not informative, and just told me that although there was a payment for {$140.00} and an adjustment for {$28.00} on XX/XX/18, I am still required to make the additional payment for {$38.00}. XXXX XXXX was unwilling to research further to give me the correct information and when I told him that information was incorrect and I was going to request assistance from CFPB, he was condescending and told me to go ahead and file a complaint if I wish to do so. I contacted XXXX a second time and was advised that the {$38.00} fee reversal was made for the XXXX payment and the XXXX late fee reversal promised by XXXX on XX/XX/2018 was never reversed. I am requesting assistance from CFPB on this matter, since I had no knowledge on this fee and miscommunication from representatives, and this error can result on a negative entry on my credit reports.
Consumer complaint received 2022-04-28
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: CL Holdings LLC (TX)

JEFFERSON CAPITAL, XXXX And XXXX is showing on my credit report as a collection account. I had these accounts removed a year ago due to Fraud but it is now back on my credit report! I have never had any accounts with this company I do not know what this is for! I already called this company a year ago and advised them that this is FRAUD! It was removed but now they are reporting it again! THIS IS FRAUD I DONT USE CREDIT CARDS! My Credit is perfect NO LATES OR DELINQUENCY EVER! Please remove from my Credit Report! Thanks!
Consumer complaint received 2020-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FORD MOTOR CREDIT CO. (CO)

I had am auto loan that i paid on time using their website every month but one month somehow they show that i missed one. This can't be possible. I never missed a payment and has to be something that they have wrong internally with their systems that changed or paying off a different loan internally. I've tried to work it out with them but they refuse to remove it. I've also disputed the account 's accuracy with the credit bureaus and not had success. Please help.
Consumer complaint received 2018-03-04
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION (NY)

I purchased a {$5000.00} CD for 1.24 % from People 's United Bank on XX/XX/XXXX which was scheduled to expire XX/XX/XXXX. I received a phone call from the bank representative about a week before the expiration telling me that I could roll over the CD at the going rate, or close out the CD and come into the bank with ID to collect the money due. I was about ten days " late '' when I went to the bank and was told that I could not close out the CD and it's earnings without a fee of {$100.00} which is more than the {$80.00} the CD earned AND that the CD was automatically renewed, but at a rate of 0.04 %! The bank representative asked me why I did not respond to the letter sent to me with this information but NO LETTER was ever received AND the banker who called me never told me that the renewal rate on the roll over would drop from 1.24 % to 0.04 %.

I believe I should have received a letter explicitly stating that the rate would drop and the bank person should have told me this. I asked to simply change the CD to a better rate but the bank refuses. This is not proper. I would like to file a formal complaint against People 's United Bank.
Consumer complaint received 2024-02-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TN)

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that was in fact paid on time. The consumer reporting agencies have need to report all information with complete accuracy. This account has not been late on payments. I have attached a copy of my report to this complaint on the following dates on ( XXXX, XXXX  and XX/XX/2024 ). I am now requesting an investigation to provide verifiable proof with records showing that I had late payments. If this information can not be verified I demand these payments to be updated to paid on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2021-12-09
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (TX)

On XX/XX/XXXX, I applied for a mortgage loan with Amerisave to purchase a home. I submitted my application on line and waited for a response and/or phone call from Amerisave. After I didn't hear back from Amerisave for more than a week, I contacted an Amerisave supervisor and was immediately assigned to an Amerisave loan officer, specifically XXXX XXXX. 

On XX/XX/XXXX, after pulling my credit for the second time, XXXX XXXX sent a prequal letter and disclosures with an interest rate that was unacceptable at the time. We discussed lowering the interest however, the interest rate was never lowered. 

I was told I was approved and simply needed to pay a {$500.00} application fee upfront. I thought this was strange as I've been approved for mortgages prior to this incident and have never been required to pay an application fee prior to closing the loan. 

Shortly after paying the {$500.00} application fee my request for a loan sat in processing until XX/XX/XXXX. Prior to this date, I'd made phone calls to several people within Amerisave in an attempt to get an update on my loan status, however, I was told due to the 'refi boom, ' refinance transactions took precedent over purchase transactions and I'd 'just have to wait. ' On XX/XX/XXXX, I was informed by XXXX XXXX, a loan processor with Amerisave, my loan had been declined and a pre approval had never been issued. As a result, I requested a refund of the {$500.00} application fee. 

Unfortunately, Amerisave has neglected to refund the application fee, even though its representatives admitted to delaying my loan due to the 'refi boom, ' and failed to notify me within a timely matter of its decision to deny or take 'adverse action ' with regards to my application.
Consumer complaint received 2021-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT. 
XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of XXXX XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of XXXX XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
Consumer complaint received 2021-06-02
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. (NY)

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violations under the 15 us code 1681 and 15 us code 1681b ( FCRA ). This makes it harder to make credit transactions due to the fact that this had an effect on my credit score.
Consumer complaint received 2020-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I have a XXXX XXXX XXXX XXXX as paid off and Satisfaction of Judgement order from State WI XXXX XXXX XXXX XXXX # XXXX XXXX   XXXX fully satisfied Each time I try to manage this from the bureaus seems like I can't get it resolved w/o paying more money. i have paid all the big 3 seems getting money is a problem.
Consumer complaint received 2018-03-04
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: OpenRoad Lending (FL)

Due to the fact that I am a victim of identity theft, I contacted the XXXX credit bureau in writing on or about XX/XX/XXXX and I asked XXXX to ask Openroad Lending ( credit reporting company ) to promptly delete their unauthorized inquiry ( date : XX/XX/XXXX ) from my credit file. Unfortunately, and as of this present date, XXXX  has recently reported that the unauthorized inquiry that is associated with Openroad Lending is still currently reporting on my XXXX  credit file. ***RECORDS ARE AVAILABLE UPON REQUEST. ***
Consumer complaint received 2022-04-28
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: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, The XXXX XXXX # XXXX, XXXX XXXX  # XXXX, XXXX XXXX # XXXX, and XXXX XXXX # XXXX have 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, Any other 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-06-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

Trans Union credit reporting has locked me out of my account. They will not allow me to file a dispute against an incorrect reporting on my file. 

I reached out to their customer service, in an effort to get my file unlocked and they now say they can not find my record in their system. This is the same record that they are incorrectly reporting a collection account.I received this email back from them : Unable To Locate Account - Need More Information Dear Customer, We were unable to match your information to an account. You may try to resubmit - paying close attention to the accuracy of your submission. 

Sincerely, Your TransUnion Support Team
Consumer complaint received 2021-02-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Regional Management Corporation (TN)

I received their check in the mail XXXX 2020. Short on funds, I moved forward with this loan. 
I paid the total amount off in XX/XX/2020!! I spoke to XXXX back then and arranged the payoff. They have called me a few times asking if I needed funds since then. I declined! 
Today I get a call from XXXX again telling me I had a {$40.00} balance!!!! In which I replied with whatever and hung up. This is a scam!!! I dont owe them a dime!! 
I have not heard from them other than offering me a loan, in months!!!! Because I paid it off!! 
These people are drumming up charges that I dont owe and I want that {$40.00} balance removed immediately!!!
Consumer complaint received 2022-04-28
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. (NY)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat payment on a credit card account under any open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-12-09
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
1. The status is incorrect for the following account XXXX XXXX XXXX Please supply information on how you verified this account. 
I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 
Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information.
Consumer complaint received 2018-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

The Bureau has failed with the following : NOT providing me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. 

Experian has stated they have verified a past due with XXXX XXXX XXXX. In fact I received a letter from XXXX XXXX XXXX whereas they have also failed to provide me adequate proof of any late payments on my account. 

Experian has failed to remove this inaccurate information.
Consumer complaint received 2020-12-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

I paid my Walmart credit card off on XX/XX/2020, on XXXX, XXXX, I was charged interest fees on my paid in full balance of {$46.00}, Capital One refuses to reverse this charge. I would like the charge reversed.
Consumer complaint received 2021-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

The credit bureaus are reporting a debt on my credit file that needs to be removed. This debt has been past the credit reporting limit since XXXX and XXXX  XXXX XXXX continues to validate this debt. This is a violation under the FCRA and this needs to be taken care of.
Consumer complaint received 2021-06-02
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. (FL)

I'm trying to be patient in this situation I really am but I am getting frustrated on this matter. I have another account that has late payments on it and it should be listed as paid as agreed. law says you can't have late payments on an open-ended consumer credit plan reasonable procedures were not followed and I did not receive my statements which included my finance charges pursuant to 15 USC 1637 ( b ). Because of that, this account is violating 15 USC 1666b ( a ) which states no late payments should be on an open-ended consumer credit plan if they are in violation of 15 USC 1637 ( b ). REMOVE THIS ACCOUNT! You can investigate and everything and once you can't find those letters I should have received, Remove the late payments and Please change it to paid as agreed like it's supposed to be. I did not give consent to this reporting at all. I didn't give any written letter saying I want this account on my report. What gives?? I took the steps need and notarized my letters and all my paperwork because I getting ready to sue at this point.
Consumer complaint received 2020-12-03
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. (CA)

I am a victim of identity theft and Ive been trying to remove for months now and Items on my report still remain after several attempts. According to my research and attorney consultations they are in multiple violation of the fair credit reporting act and need to resolve this immediately.
Consumer complaint received 2018-10-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (WA)

On the XX/XX/XXXX, I made a transaction with a seller without me knowing that he was trying to scam me. I sent him {$210.00} through paypal with their goods and services transaction and he wanted me to confirm the receipt with basically says that I received the item so that I would lose my protection of my money even though I hadn't received the item yet. I immediately felt uneasy about the whole transaction and filed for a dispute. At the time, he did not have any tracking info on but when I filed the dispute, he put old/fake tracking info in to bypass the system into thinking he shipped it. This caused paypal to side with my seller and me not being able to file another dispute after the fact. I have the tracking info and if you look at it, they're old dates and not even being shipped to the address that's listed in our transaction on paypal. 

XXXX XXXX XXXX ( XXXX chat logs ) XXXX XXXX XXXX He is also on a banlist for previous scams hes done. He seems to use one user to lure you into thinking he's legit then using a different one to do the scam. 

Use XXXX on this site (XX/XX/XXXX ) and you'll see that the dates on there are completely off.