davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (FL)

XXXX XXXX/Synchrony Financial Solutions . https : //www.mysynchrony.com/? XXXX. I needed a new XXXX device in XXXX/XX/XX/2021. My dentist office suggested I apply for the Care Credit plan/card. I was instantly approved. I was informed to register the card right away. I registered online that day. The credit plan is 0 % as long as payments are made in a timely fashion. I understand that if the last/final payment is late Synchrony will charge all interest for the original amount. This being said, the amount was only {$2500.00}. It is XX/XX/2021. My remaining balance is {$900.00}. Since the first payment, their website is horrendous. Every time I access their website I receive the message that the they are experiencing technical difficulties. Today I have been trying to make a payment for over 90 minutes. I tried their " Live Chat '' which turns out to be an automated algorithm. I requested through their " Live Chat '' to chat with a real/living person. The automated algorithm provided me a form to complete ( card #, SSN, zip code ). I did THREE times! While waiting for a LIVING BREATHING HUMAN BEING I called their XXXX number. Their rep 's name is XXXX. I explained to XXXX my problem and asked to speak to a supervisor. He offered to take a payment by phone. I don't make payments by phone. I asked three times to speak to a supervisor. He finally said he would - placed me in a que- i could hear # s being pushed- eventually I heard a message saying that my call timed out. Seriously? I called the number back and XXXX answered the phone again. What are the chances? Really the same person! I've tried different browsers including XXXX XXXX, XXXX XXXX and XXXX . None of which provide a different experience than I've stated above. I've tried to " log in to my account AND use their " Pay As A Guest '' feature. Neither are working on any browser. I would really like to pay the balance off with a payment this week and the remaining balance in two weeks. Please, for the love of GOD, help me!! I'm thinking now that they make their money by forcing people to pay their bills late. This has been a terrible experience. I do not recommend Care Credit NOR Synchrony Financing Solutions!
Consumer complaint received 2017-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (TX)

Equifax Breach. Equifax indicated that I might have been affected while my wife may not have been. We have no way to know ourselves and have zero confidence that Equifax knows. In accordance with guidance from your site, I placed credit freezes on both of our credit accounts with Equifax, XXXX and XXXX XXXX and XXXX charged me {$10.00} and {$10.00} respectively since we are residents of Texas. The net cost to us ( currently ) from Equifax 's breach is {$41.00}. I believe Equifax should be made to remburse any and all costs incurred by us to safequard our credit information due to their collosal
Consumer complaint received 2022-08-12
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Upstart Holdings, Inc. (TX)

There are a few issues we ran into with Upstart 1. When we encountered recent financial hardship, Upstart presented " hardship payment '' options that did not really address the monthly payment long-term or the loan itself, and was not helpful as advertised. 

2. Upon further review of the loan agreement, it was found that the terms are predatory as almost a year paying into the loan has not even resulted in {$900.00} of the principle being paid off ( note, monthly payments have been {$350.00} a month ). We agreed to these terms under financial duress ( previous financial hardship ).
Consumer complaint received 2024-03-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP (CA)

Ive been banking with us bank for over 4 years. 
Never late fee never negative on my accounts. 
Both business and personal accounts including credit cards were closed for no reason. 
And under truth in lending act the are by law supposed to give my a reason as to why my accounts were closing.
Consumer complaint received 2020-11-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My identity was used by someone else to open fraudulent accounts. This has resulted in the following FRAUDULENT items to appear on my credit reports : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I am seeking to have the FRAUDULENT information removed from my credit reports. I have already sent the credit bureaus documentation supporting my claims. The credit bureaus are still reporting the FRAUDULENT items.
Consumer complaint received 2020-11-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This debt is not mine. In accordance with the FCRA prior to reporting this debt XXXX  XXXX had a legal obligation to mail a notice to me of any debt they felt is owed. XXXX  XXXX is unable to provide copiers of these notifications because I was never notified. This debt is not mine and it is not valid. If a debt was owed to XXXX that balance would have transferred when I moved to my new address. It did not because nothing was owed. My XXXX account number is XXXX XXXX XXXX XXXX. XXXX  XXXX had my address if this debt was valid they had multiple opportunities to contact me about this debt.
Consumer complaint received 2019-03-04
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. (TX)

I recently disputed some errors on my credit report with Equifax and XXXX. I did so via postal-mail in a letter that I mailed to them on XX/XX/XXXX. I was supposed to get a reply within 30 days. To date, I have received no responses.
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (IL)

I am writing to formally dispute the late payment entries on my credit report XXXX XXXX Credit card associated with XXXX  due to violations stemming from a data breach. 
Under the Fair Credit Reporting Act, specifically Section 605 ( b ), I have the right to dispute any inaccuracies that may stem from a breach of my personal information. The late payments reported for are inaccurate, and I demand their immediate removal from my credit report.
Consumer complaint received 2016-01-19
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Mortgage Research Center, LLC (IN)

Good afternoon, My family and I purchased a home using a VA Loan this past year and subsequently saved up and paid one month in advance in order to get on that organization 's " Budget Plan ''. The Budget Plan was explained to us as a way to divide the standard mortgage in half over XXXX paychecks instead of taking the larger whole sum out of XXXX paycheck. Now, four months later, we 're being charged XXXX half payments in our second paycheck of the month in spite of already having paid the first and second half-payments this month. This is n't due to any delinquency on our part. We 've been excellent customers, paying all listed fees in advance or via auto-pay. This is due to the way the Loan office has programmed the payments " every other Friday ''. So not only is the VA 's " Budget Plan '' a misnomer, and the intentions of the plan false. It also has the potential to put those contracted with the office, particularly XXXX XXXX military members like myself, into civil upset due to unexpected required payments that, if not met, could affect our military Clearance and if met could place us in financial distress. This is an unsatisfactory way to treat customers entrusting their pact with the bank.
Consumer complaint received 2023-03-22
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. (IL)

Fraudulent credit card accounts were open in my name at XXXX XXXX XXXX XXXX in XXXX of XXXX. My wallet was stolen in XXXX of XXXX  since then I have been suffering from idenity theft. I Am not responsible for any XXXXXXXX XXXX XXXX XXXX debt, and I am demanding a proper investigation into the Fraudulent account and immediately deletion from my consumer profile as the account Is a fraudulent account.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

I was looking at my report and notice there were some things that was not correct. I sent a letter to Experian on XX/XX/year> here is my tracking number XXXX XXXX XXXX XXXX XXXX XXXX. But it has been more than 35 days, Experian still haven't responded to my letter. That a violation of 15 USC 1681 ( a ) ( 1 ) ( A ) Under 15 USC 1681 ( a ) ( 1 ) ( A ) Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2024-10-14
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. (FL)

Recently I looked at copy of my credit report and noticed several inaccuracies on my account. This account is hurting mi ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX account ( XXXX account number XXXX )
Consumer complaint received 2022-08-12
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: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. 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. 

In accordance with the Fair Credit Reporting act XXXXXXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. 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 2024-03-23
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: DAS ACQUISITION COMPANY, LLC (WA)

I took an application with USA Mortgage also known as DAS Acquisition Company LLC on XX/XX/2024 with the loan officer XXXX XXXX XXXX 

DAS Acquisition Company LLC NXXXX # XXXX XXXX XXXX XXXX  # XXXX I have requested a legal loan estimate from them for weeks now and they still have not sent me a loan estimate showing the breakdown of my DSCR refinance. 

Every time I have requested a loan estimate XXXX has only sent me a text, email, fee sheet or just the XXXX loan application I took with him. 

It has been more than 3 days since my application with them on XX/XX/2024, and I have yet to receive any loan disclosures. 

Please audit this company and loan officer along with my loan and look into why they are withholding the necessary disclosures and information from me. 

thank you
Consumer complaint received 2023-01-11
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc (CA)

A chargeback was filed against my PayPal account on XX/XX/2022 for a service in the amount of {$330.00}. Despite responding to the dispute and providing proof the chargeback request was invalid, PayPal deducted the funds and also charge a {$50.00} dispute fee. I have attempted to reach out to PayPal several times over the last several months. Each time to no avail. I constantly get the run around and no over ever calls back and provides a response. Please see the attached proof of the completed service which was provided to PayPal XXXX  month ago. Ticket # XXXX. Furthermore, they have since placed the amount due to a collection agency without proper notification which is a clear violation of the XXXX and anytime I try to call them, my call is automatically directed to the collection agency. I once respected PayPal as a company but i am completely shocked and disgusted at the lack of integrity of PayPal. I REFUSE to do business with such a company and urge anyone reading this to do the same.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: STATE EMPLOYEES CREDIT UNION (NC)

I RECENTLY CHECKED MY CREDIT REPORT AND NOTICED XXXX INACCUARATELY REPORTING LATE PAYMENTS FROM MY STATE EMPLOYEES CREDIT UNION ACCOUNT. I CONTACTED XXXX AND ADVISED THEM OF THE ERRORS. 

I HAVE REQUESTED PROPER VERFICATION TO VALIDATE THESE LATE PAYMENTS. 
ACCORDING TO THE FCRA, SPECIFICALLY REGARDING BILLING ERRORS 15 USC 1666B STATE, THE CREDITOR HAS TO SEND A STATEMENT XXXX  DAYS PRIOR, AND UNDER A OPEN END CONSUMER CREDIT PLAN A PAYMENT CAN NOT BE CONSIDERED LATE FOR ANY REASON. 

I HAVE REQUESTED PROOF, A COPY OF THE CREDITORS BANK RECORDS, OR PROPER PROCUDE TO ENSURE THE ACCURACY OF INFORMATION BEING FURNISHED TO MY ACCOUNT WHICH IS STATED IN 15 USC 1681 ( E ) B.
Consumer complaint received 2024-03-22
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Late or other fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

Today I learned that I had inadvertently transferred money in my accounts resulting in actually borrowing money. I had transferred money from my XXXX XXXX XXXX account to my bank of America XXXX account. After clicking on transfer, I checked the amounts in my XXXX accounts which said available money and I made the transfer. I learned today that the available money quoted in my XXXX account was the actual money plus a margin of about {$20000.00} which I could use to borrow and pay interest on. I was mad and said this term is fake. I feel that the amount of money listed when you transfer money should be the real amount in your account. If they are going to use the term " available '' for money you can borrow from your account, it should be clearly stated that you have exceeded your real balance before you finalize the transfer. 
While my XXXX XXXX representative did transfer money back to my XXXX account and said I would not be charged interest, I feel that terms listed by banks should be regulated so that when you transfer money the amount listed should be the actual amount in your account.
Consumer complaint received 2024-10-14
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. (CA)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

To whom it may concern, I am deeply disappointed and angered by the violation of my consumer rights through the dissemination of inaccurate information. Fair treatment and adherence to the FCRA and Metro 2 standards are expected. Provide a verified document with evidence for each claim to preserve data integrity. 
The credit report I received is alarming, as it fails to meet accuracy standards. Uncertainty surrounds the reporting process and proper formatting, casting doubt on the credibility of the claims. Controversial claims lack independent verification, raising further concerns. 
I urgently request the removal of false accounts from my credit report to prevent future financial harm. My credit report is my lifeline, and I insist on factual accuracy, verification, and compliance. I did not receive a response from last letters i sent!! 

PLEASE REMOVE THE FOLLOWING ITEMS FROM MY CREDIT REPORT, IMMEDIATELY : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-22
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Sunnova Energy Corporation (PA)

I purchased a solar system from XXXXXXXX XXXX  in Pennsylvania. I believe their company was based out of New Jersey. I signed on with a payment plan and a sign on promotion of {$2400.00} and and {$1000.00} referral bonus. Immediately upon signing the finance contract with Sunnova ( finance and warranty company ) and XXXX XXXX the installer XXXX closed. I never received my sign on promotion and referral bonus. Ive reached out to XXXX but they are closed. Ive reached out to Sunnova and they tell me they arent responsible for the promotions. So Im at a financial hardship after only signing this contract to receive the enhanced sign on promotions and now Im stuck in a XXXX contract XXXX cant get out of. I just want Sunnova to make this right and reimburse me for the agreed upon promotions.
Consumer complaint received 2020-07-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital One opened a new account under my name when I was only trying to upgrade the existing account to a QuickSilver account. I have tried several times over 6 months to have them close the account as an error, but they are unwilling. If they just close it, it will ding my credit score. They admit it was an error on their computer system and it should not have been opened, yet they keep telling me they have no way to close it without it dinging me. This is their error and they should have to fix it without it doing damage to my account. 

I have now called them 3 times over 6 months and keep getting pushed up the chain to Supervisors who just keep telling me they can't fix the problem. This is XXXX.
Consumer complaint received 2017-07-30
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (MN)

I submitted a request for a release of my co-signer about a month ago. It was never communicated to me that this was even an option I should add. I 've never missed a payment on this loan, and I 've been paying on it since 2009. I 've heard nothing back from Navient about this status of this. I would like to know if they will be releasing my co-signer or not.
Consumer complaint received 2024-03-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Mr. Cooper Group Inc. (IN)

I am concerned about the method of collections. In the past week, I have received calls after XXXX p.m., received XXXX calls within XXXX seconds where they hang up every time I answer, and was left a voicemail where the agent was clearly on a personal call.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : I am filing this CFPB complaint to request that Equifax XXXX pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), block information on my credit report that is the result of identity theft and fraud within XXXX business days of receiving this complaint. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have led to several unauthorized hard inquiries and fraudulent collections on my XXXX credit report. All these accounts, collections, and inquiries are the result of identity theft and fraud. 

Enclosed is a copy of the FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the U.S. Federal Trade Commission that all the mentioned credit accounts, collections, and inquiries are due to identity theft and fraud.
Consumer complaint received 2024-09-24
Product: Credit reporting 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. (FL)

Ive just found unauthorized inquiries on my credit report, and I have no clue why they are there. As usual, I checked my report, but today, something was off with these unexpected discrepancies. After refreshing my browser, hoping it was an error, the inquiries remained. Please, take the time to review the documents I've provided, so I can be sure this never happens again.