davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-31
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Account sold or transferred to another company
Company: SYNCHRONY FINANCIAL (TX)

On XXXX XXXX, my credit limit ( s ) was reduced to just a few dollars above my balance even though I have consistently paid the minimum due or more. My interest rate also increased from XXXX to XXXX ( v ). I do not feel that it is an ethical way to do business. Whenever this happens, my utilization rate increases and my credit score is negatively affected. 

This problem is only occurring with Synchrony Bank. They are buying the account and lowering my credit limit within dollars of my balance. In essence, I am paying more in interest and very little is being applied to my principle. 

This is a win-win for the credit card company and a lose-lose for me. 

What rights do I have as a consumer? I have a 100 % payment history and this limit lowering has happened on all of the accounts that SYNCHRONY BANK has acquired.
Consumer complaint received 2018-07-16
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: Experian Information Solutions Inc. (TX)

never applied for any of these please help XXXX  XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX  XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Automobile Dealers, New XXXX XXXX  XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX  XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX - non specific XXXX XXXX XXXX XXXX  XXXX, TX XXXX ( XXXX ) XXXX
Consumer complaint received 2020-12-04
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: EQUIFAX, INC. (CA)

I am currently reviewing my Equifax Credit Report and there is a fraudulent account that Equifax keeps reporting and deleting over 3 years now! 
It was most recently deleted XXXX, 2020. I was informed because I provided enough documentation, that it would never report to my Equifax Credit Report again. 
Here is the Confirmation Number that I was given by one of the reps in their Consumer Fraud Department : XXXX Below is the fraudulent account which I am not requesting be deleted from my Equifax Credit Report for now the 4th time : 1. XXXX XXXX XXXX
Consumer complaint received 2019-10-31
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: BARCLAYS BANK DELAWARE (WI)

I just obtained my XXXX Visa Credit card from Barclay 's late last year ( XX/XX/XXXX ). I opened this card strictly for the reason that Barclay 's offered unlimited 4 % cash back on restaurants and bar purchases, as well as cell phone accidental protection when paying for your phone plan through the card, and another {$50.00} reward if you spend {$5000.00} per year with the card and have at least {$50.00} in online subscription purchases XXXX XXXX XXXX, XXXX, etc. ). Additionally, they offered a bonus cash back amount XXXX {$150.00}, I believe ) for spending {$500.00} or {$1000.00} within the first 3 months ( I can recall the exact amount ). 

I just received an email on Tuesday, XX/XX/XXXX, stating that the rewards program is being completely overhauled and none of these benefits as they currently exist will remain as of XXXX, XXXX. Even further, the rewards earned will only be redeemable as, " XXXX Cash, '' and no long cash back XXXX statement credit or direct deposit to my bank ) or in various gift cards. This is a complete bait and switch tactic and I would certainly be interested if there is anything the CFPB can do to help me. Thanks very much.
Consumer complaint received 2020-11-10
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (IL)

My mortgage company never updated my mortgage account They still put me in forbearance plan I never ask for it!! 
I been paying my monthly regular I keep trying to contact them about this matter!! 
But always system still updating your account. 
Been like that over 3 month This is not right!! 
They need to make my mortgage current!! 
To check everything online Thanks
Consumer complaint received 2019-10-31
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/19 I was alerted to potential fraudulent charges on my Wells Fargo checking account by Wells Fargos fraud alert system. Upon communicating with Wells Fargo, it was determined that approximately {$4000.00} in fraudulent transactions had been made on my Wells Fargo debit card and a fraud claim was filed. Less than a week later, Wells Fargo has denied my fraud claim and refuses to disclose why.
Consumer complaint received 2017-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VT)

Personal lien just showed up on my credit report, about a month after it was completely paid off. The credit report does not show its status at all, implying it is still active, and it should appear in some sort of closed/fulfilled state. I tried to report the problem to XXXX, which provided the credit report to XXXX, where I saw it. Their webpage did n't load anything at all, just had " Please wait for page to load '' in the header. [ https : //www.ai.equifax.com/ ] I tried to call them at the number given at the bottom of the report I saw [ also contained with the Vermont Consumer Notification ], and there was no way to talk to someone about this there.
Consumer complaint received 2020-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: FIRST ADVANTAGE CORPORATION (NC)

I just received an email pertaining my background check. Upon looking at it, I have discovered someone else on my report. The name XXXX XXXX XXXX is not me. I need this fixed.
Consumer complaint received 2024-03-22
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (FL)

I closed this account and paid it in full in XX/XX/2023. The next month they sent me a bill for {XXXX} or {$XXXXXXXX}. When I called them, they said it was a fee, for what they were vague. Since then every month I get a bill and now it's a " late '' fee for that last fee. And also interest charge ( on my closed account ). I have had this account a long time, and now they do this? I need help. Please. It's affecting my credit score, for which I have worked a long time.
Consumer complaint received 2020-11-12
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. (LA)

I called in to Transunion on XX/XX/2020 about fraudulent inquiries on my credit report. Someone from another state had stolen my identity. Transunion were ones that deleted the address off of my profile from the person that stole my identity. After hearing about how they cant dispute inquiries, a supervisor finally said XXXX go ahead and submit a dispute for those fraudulent inquiries. I reached out to all those companies that had pulled my profile and they told me to contact Transunion. I called in today, 30 days later for a representative to tell me, they no dispute was filed and the representative only reached out to those companies from the fraudulent inquiries, but none of the companies responded. Its always lie after lie with these credit bureaus.
Consumer complaint received 2019-10-31
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Phoenix Financial Services LLC (OH)

I have been receiving calls from Phoenix Financial Services, with the most recent being XX/XX/2019. When they call, now their number is showing up as " account services '' on caller ID. Seems like a form of entrapment. When I answer, they ask if they are speaking to ( my name ) and they do not disclose who they are unless I ask. I will then ask what they are calling in regards to, at which point they will not tell me unless they know they are speaking with ( my name ). Now, I have received calls from other debt collection agencies in the past who upon answering state who they are and why they are calling. Phoenix Financial seems like they are being deceptive and not forthcoming about their intentions, they do not even disclose that they are a debt collector. I had to look them up to find that out.
Consumer complaint received 2019-10-31
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Dovenmuehle Mortgage, Inc. (NC)

Mortgage was opened on XX/XX/2019 not appearing on my credit report correctly. Show 's account is closed, paid on time for 3 months now. The account does not report correctly, payment information is missing and account is reported inccorectly.
Consumer complaint received 2016-02-18
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (AZ)

# 1. I cancelled a product protection plan from Ashley furniture and they have not fully credited my account for {$790.00}. # 2. They have not sent me any updated invoices as per changes, returns and/or credits i.e. console {$230.00} that was returned on delivery and free delivery/taxes ie ... {$8000.00} - $ XXXX $ XXXX balance that should have been {$7400.00} not {$7400.00} # 3. I get asked to wait for a resolution from the Ashley home who has never contacted me. # 4. I had to open XXXX dispute claims for the same issue with Synchrony Bank and keep getting no results because Ashley Furniture sends them false info. The last update actually indicated that my dispute was won. But No amount was credited to me on the next invoice. # 5. They have changed my disputed amount of {$290.00} to {$290.00}. 
# 6. They keep referring to purchases that were made on a different Credit MasterCard and invoice which had all returns credited to me immediately, with the original invoice.
Consumer complaint received 2023-01-30
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. (PA)

To whom this may concern, After reviewing the updates made to my credit report. Your company is reporting inconsistent last payment dates, incorrect credit limits, along with inconsistent last dates of activity. According to my credit report, This alleged charge off is over 9 years old your company should no longer report this debt to the credit bureaus. Please delete this alleged charge off from my credit report due to inconsistent reporting, statue of limitations has passed, and lastly due to reporting on debt over 7 years in the state of PA. 

Kind regards,
Consumer complaint received 2020-05-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (CA)

My loan through USBANK requires flood insurance which is provided by my Homeowners Association. This year they are not accepting it and have purchased a flood policy with me as borrower and have added it to my mortgage payment. My HOA has tried numerous times as I have to get help on the phone and there is no agent qualified to help. 

I have had this loan since XXXX of XXXX and no late payments. All these years they have accepted by flood insurance. 

The first installment added is {$530.00} until I " catch up '' and they have the policy adding {$220.00} per month through XXXX of XXXX. 

When I called the agent was recommending to take mortgage assistance until this is resolved, but I do not need this product. 

I am hoping during COVID-19 they are not trying to pressure borrowers to get products not needed then adding things like insurance as a scare tactic to make more money. 

USBANK will not allow me to make my normal mortgage payment and if I do it will be considered late which will affect my credit score.
Consumer complaint received 2017-07-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (GA)

I have formally requested by certified mail on XX/XX/XXXX and XX/XX/XXXX that LVNV Funding LLC C/O Resurgent Capital Services provide me with VALIDATION of the two accounts # XXXX******and XXXX****** that they have listed in my credit files that they are reporting to the three major credit reporting agencies pursuant to the Fair Debt Collection Practice Act. Since there are damaging reporting problems exist with respect to what they are reporting I have asked for a form of verified statement by a person with original knowledge of these debt, who can testify that these debt was incurred legally, was not subsequently disputed as a result of returned, faulty, or recall consumer products, was not utilized as a profit-loss tax deduction during the period it may have been payable and was not claimed as a loss with any insuring entity during the period they may have been payable. They are now in violation of the Fair Debt Collection Act by not responding to any of my letters nor have they provided me any VALIDATION. Enclosed you will find letters that were sent to them by certified mail on two separate times..
Consumer complaint received 2019-10-31
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

This was a medical bill by my daughter 's XXXX of {$68.00} dollars that was sold to XXXX XXXX XXXX. Neither party would settle the collection with me directly and they made no previous attempts to contact me by phone or any way I recall to settle before it hit my credit in time. I didn't recall the debt. When I attempted to settle the debt with the credit agency they stated that it would remain on my credit for years to come as a debt owed that was adverse and paid off.
Consumer complaint received 2021-09-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC. (MI)

No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
Consumer complaint received 2019-10-31
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Onity Group Inc. (GA)

I paid 80 % of the remaining loan online for the XXXX and XXXX payments in XXXX I contacted them about the remaining {$78.00} PHH mortgage said they would mail me a pay off statement to the address I was currently residing, I never got one in XXXX I requested another pay off statement, I have since learned that they have reported delinquent payments on my credit report. I have sent them a cashiers check on the XXXX of XXXX to pay the balance and I have called again 2 days in a row to check the status, sat on hold transferred 3 times to finally get someone to tell me I would have to contact the research department because they can not find the check etc. This was an XXXX loan I have never been late on a payment and I try and pay it off early and my credit is suffering Over the last {$78.00} of the loan. Beyond ridiculous
Consumer complaint received 2019-10-30
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: Convergent Resources, Inc. (TX)

After reviewing my credit report recently I dated I noticed that an account named Convergent Outsourcing has repaired on my report. I sent in a complaint on XX/XX/18 in regards to this company and the result was they agreed to remove. My original complaint stills stands I have submitted a request to have an account investigated and removed from my account from Convergent outsourcing. I have never done business with this company or taken out a student loan with this company. When I contacted the company and requested original loan documentation I never heard back from them. I then requested the account to be investigated and removed by the credit bureau and they responded with account verified. This account has never showed on my credit report as a active account by any creditor and now all of a sudden I have a collection account for now {$37000.00} from a company I never heard of. I would like this account removed from my credit immediately before legal action is taken. I pulled all of my financial college records and have verified that is not a loan that I have ever taken out. This is account is Fraud.
Consumer complaint received 2017-08-10
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: SYNCHRONY FINANCIAL (NY)

With the Professional Help Of Consumer Financial Protection Bureau, I was able to obtain my refund of {$600.00} back from XXXX XXXX at Care Credit/Synchrony Bank on XXXX XXXX.2017, case # XXXX.I was dumbfounded when I went to check my Care credit account and see I was charged back the {$600.00} back to my account, Unbelievable!!? Once again I need CFPB help to close this nightmare situation once and for all.
Consumer complaint received 2023-01-30
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. (GA)

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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Consumer complaint received 2020-11-12
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: Experian Information Solutions Inc. (NY)

I recently sent letters over XXXX days ago to Experian and they are disregarding a regular consumer disputes. I'm stressed and have been sending letters before this and still no response.
Consumer complaint received 2020-10-11
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Bread Financial Holdings, Inc. (AK)

Saturday, XX/XX/2020 Received call at XXXX XXXX. From XXXX at Comenity Bank Saturday XX/XX/2020 Received call at XXXX XXXX  Told both callers the time I was in and they appeared to not care. Told them I would report if they did not stop calling at the early time.

These charges are fraudulent. I had paid the bill while the bank conveniently lost the check. I called and informed I would have a new check issued and that a stop payment would be placed on the initial check. Then once the initial check had a stop payment and a new check was issued Comenity found the check. They then applied the amount on the account. The second check was received after the statement date closed ; thus implying a late  charge. The account in question is completely based on fees and late charges from those fees. They should be removed and reported correctly to the credit bureau as creditor error NOT my error.
Consumer complaint received 2020-07-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (TX)

I was notified on Friday,, XX/XX/XXXX that there were possible fraud charges on my account. When I looked, fraudulent activity, totaling {$450.00} in varied amounts had been taken from my account and I was notified when the perpetrator tried to process a 5th transaction for another {$50.00}. I called the bank. I was on hold for an hour and 20 minutes and when I called another number on the other phone line, i was told that the reason i was on hold on the initial transfer was because I was transferred to a call center that was already closed. The person i finally spoke to ( still Friday night ) said he can't cancel the transactions because they were through XXXX XXXX directly to a Visa. But he could process a claim and in the mean time provide provisional credit totaling {$450.00} and I should see the credit within 12 hours. It's now Monday, XX/XX/XXXX and I called this morning to find out about the credit. I was on the phone for an hour and 10 minutes. I was told that they can't cancel the transaction ( which is still pending ) but in order to receive the provisional credit, i have to wait for it to clear which can take 3-5 business days. So they won't/are n't able to cancel it ( by their own admission ) but they can allow it to clear ( also by their own admission ). I rarely have an fraudulent activity on my account and 5 business days ( which typically lead to the 6th business day ... meaning over a week from now ) is a long time to go without with which to pay my bills. I don't make a lot so {$450.00} is a lot for my household. In fact, my husband is on furlough because of COVID so {$450.00} matters in my house.