davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: SYNCHRONY FINANCIAL (AL)

On my credit report the creditors that are reporting late payments have been submitted under the freedom debt relief program. The companies are continuing to report negatively when they know they have been contacted by this company for a debt settlement. If you would look at my credit report before the program which I started in XX/XX/XXXX, my credit for paying bills on time was 99 %. The creditors have also been contacted not to call me and but they continue to do so anyway. So my problem is very difficult for me when I have always paid on time but to see my credit score drop drastically as like it has is devestating. It 's an unfair practice for creditors to continue negative reporting when they know the circumstances of the consumer. It 's like they are trying their best to sabotage a consumer 's credit history. It should be something done so that they would not to continue to report negative reports when they know the consumer has contacted them concerning debt relief.
Consumer complaint received 2015-11-24
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC (MT)

I applied for and was granted a payday loan from Castle Payday, which is an affiliate of the XXXX XXXX XXXX entity. At no time was it explained to me that the {$1000.00} loan was going to cost me {$7600.00}. Castle payday has been auto-deducting an average payment of {$250.00}, XXXX a month from my checking account since XXXX XXXX, for a total of {$1600.00}. The only way I can get them to stop pulling money out is to pay the loan off in full. My contention is that I have repaid the debt in full at this point plus {$620.00} and to pay an additional {$1200.00} to consider it paid in full, or to continue installments until full maturity of the note is reached ( a total of {$7300.00} ), in my opinion, fraudulent.
Consumer complaint received 2023-04-17
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. (MD)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance Owed : {$32000.00}, US DEPT ED XXXX Balance Owed : {$0.00}, US DEPT ED XXXX Balance Owed : {$3100.00}, US DEPT ED XXXX Balance Owed : {$8800.00}, US DEPT ED XXXX Balance Owed : {$3100.00}, US DEPT ED XXXX Balance Owed : {$5900.00}, US DEPT ED XXXX Balance Owed XXXX {$6000.00}, US DEPT ED XXXX Balance Owed : {$5900.00}, US DEPT ED XXXX Balance Owed : {$8300.00}, US DEPT ED XXXX Balance Owed : {$5500.00} XXXX US DEPT ED XXXX Balance Owed : {$1500.00}
Consumer complaint received 2023-07-31
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Time  has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 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 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 2017-02-23
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Atlas Credit Company, Inc. (TX)

I took out a loan and because I got my due date confused I was charged late fees. I an accept that but, in XXXX I made a payment of XXXX and my monthly payments are XXXX so I was paying part of the late fees but not all. When the payment was applied it was applied towards part of the late fees first causing me to be late again and adding more late fees on the account. I believe the payment should have been applied towards principle and interest first then the late fees.
Consumer complaint received 2016-09-20
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: Mercedes Benz Financial Services (NJ)

MB Financial is not forwarding my payment data to the XXXX credit agencies - specifically for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. This has resulted in a significant reduction in my XXXX score. I have spent numerous hours on the phone over the past 6 weeks with MB Financial agents and supervisors without success. Emails go unanswered and there is zero followup. All MB Reps agree that payments are paid in full and on time but never resolve the problem.
Consumer complaint received 2015-07-21
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (WA)

I am trying to get a home modification loan for my home. I have been at this process for months. I have sent in all the correct paperwork at least XXXX. I am told it is not the correct paperwork so I call and get sent to a voice mail, I leave a message, never get a call back. I did get a letter in the mail stating that the information that was requested was never received so the modification was denied. Really!!! How many times does one have to sent the information, leave voice mails and never get replies. I am in danger of losing my home because someone thinks this is joke and its not important or maybe it because I am a XXXX something XXXX male that owns my own business so who ever is handling this case feels I am not worthy of working with. I feel that I have been discriminated against because of my economic status and sex. I have had nothing but problems with this company from day one. The mail they send is out of date, they have lied several times stating one thing and then sending a letter saying the exact opposite. My credit has been destroyed due to the absolute ineptness of the staff the I have had to work with. Its obvious that little training or education is needed to work for this company as they all make up what they feel will sound good so they can get you off the phone or they threaten you with loss of your home and your credit. Greentree needs to be out of business and never service another loan again. This has caused undue stress resulting in medical issues for myself at this point. I can not move on with my life until this issue is taken care of.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I respectfully request that you eliminate this erroneous account from my credit report, as it's not associated with me, and I never gave consent for its creation. I've attached the required documentation to validate my stance.
Consumer complaint received 2017-10-12
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. (FL)

XXXX XXXX XXXX is trying to collect a debt from a power company in PA on a house i used to own. I did not own the house for the time period this bill is being assessed. I have provided the public record ( recorded deed showing the sale on XXXX XXXX, 2016 ) to Experian and they are refusing to change the report. I have told both Experian, XXXX XXXX XXXX and XXXX XXXX that i no longer owned the house.
Consumer complaint received 2015-10-22
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: Empowerment Ventures, LLC (TX)

RushCard went through a technology transition which has myself, as well as XXXX other people, without access to our funds. We have been waiting for the past 10 days for my direct deposit. My wife has been keeping up with the updates posted via social media incessantly. We have tried contacting customer service, but after holding for literally hours, we are disconnected. We spoke with XXXX representative on XXXX/XXXX/15 and we were told that she saw our direct deposit but there was nothing that she could do about ; we simply have to wait until everything is fixed with the glitch that occurred. 

We are a family XXXX We have tried contacting our utility service providers to explain our situation, but many are unwilling to work with us, especially since we can not give them a date as to when will be able to make a payment. 

We have tried every avenue suggested XXXX ' and RushCard 's social media and we are still waiting to be contacted. We have been to the ATM, as suggested, and my account says {$0.00}. The automated and online system also say {$0.00}. Even the money that was on the card before the transition is missing. 

We have been unable to buy food and gas. I had to borrow money from my boss to simply be able to get to work. We have been to the food pantry to get food. All of these things have terribly embarrassing, especially considering I work to provide for my family.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 XXXX XXXX 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 a 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-06-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (GA)

On XX/XX/XXXX, I disputed XXXX XX/XX/XXXX transactions totaling {$220.00} via live telephone call at the conclusions of which I Was told that my account would review a provisional credit in XXXX to XXXX business days, with the credit to be subsequently either made permanent or disavowed based on the banks investigation of the disputed transactions. 

Similarly on XX/XX/XXXX, I disputed XXXX unrecognized transactions from XX/XX/XXXX for total of {$250.00}. I have yet to receive any credit to my account, provisional or otherwise. 

Based on discussions with others who bank with Wells Fargo, the bank provides immediate credit for disputed transactions, so the fact that they do not offer the same to me seems highly discriminatory.
Consumer complaint received 2016-08-02
Product: Credit card — 
Issue: Payoff process — 
Company: CITIBANK, N.A. (ID)

I paid my credit card with a money order. They did not apply the payment to my account. I sent conformation/copies from the money order company that the money order had been cashed by the credit card company. The credit card company is still not paying the {$380.00} to my account.
Consumer complaint received 2015-05-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (MN)

I have fraudulent accounts listed on my Equifax credit report that do not belong to me. I have sent numerous letters, copies of personal identification information and police reports to Equifax informing them the following fraudulent accounts do not belong to me and that I am a victim of identity theft : XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX Child Support ENFORCEMENT, XXXX, XXXX
Consumer complaint received 2023-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

This is my second 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 XXXX XXXXXXXX Balance : XXXX XXXXXXXX XXXX XXXX Balance : XXXX  XXXX XXXX XXXXXXXX Balance : XXXX  XXXX XXXX XXXXXXXX Balance : XXXX XXXXXXXX XXXX XXXX Balance : XXXX  XXXX XXXX XXXXXXXX Balance : XXXX  XXXX XX/XX/2022.
Consumer complaint received 2016-08-16
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Conn's, Inc. (TX)

XXXX to 9 calls a day form different phone numbers.I have had this account for over a year and never been late, and probably owe about XXXX dollars.They call and just start some conversation like they know you persnally, then proceed with this call will be monitored or recorded, not evening telling you who they are when asked.
Consumer complaint received 2016-05-07
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL (GA)

XXXX charges were posted to my Sam 's Club Credit card on XXXX/XXXX/16. Both charges were made at a XXXX GA gas station. The first was {$58.00}, the second was {$170.00}. I called the bank, emailed the bank, and wrote a letter to the bank disputing these charges. I received a letter from the bank that states in part, " ... you have notified us that there is no longer a dispute. '' I never notified the bank that there was no longer a dispute. Synchrony Bank provided me no evidence that they investigated this complaint, but merely dismissed it by sending the letter.
Consumer complaint received 2016-08-31
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: I.C. System, Inc. (PA)

XXXX charged me for streaming on a device they said would be comparable to Clears device for internet. I called sprint to continue service for internet when XXXX went out of business. The person said they would send me a device comparable to the device that XXXX had. I was also referred to XXXX after XXXX went out of business. They told me that this device would be the same as XXXX device. They even told me they would charge then same as XXXX. After a few months of being charged {$60.00} a month the device I was using said I was streaming or what ever and said I used the device for something else and changed me XXXX one month. I told them on the date I got the bill I had not used it any other way than as internet and it was supposed to be used for said amount of XXXX. I told them I could not pay more than {$60.00} and they said I had ran up the bill for that month of {$300.00}. They said they would not change and I stopped using the device. I switch to XXXX because a XXXX employee said the device was not the same as XXXX. They in turn have me as owing them as ridiculous amount of {$300.00}. They even have me being called by said collection agency.
Consumer complaint received 2018-03-19
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP (OH)

US Bank Debit Card funds ( {$23.00} and {$32.00} ) were withdrawn by US Bank on Monday, XX/XX/XXXX by immediate electronic transfer to XXXX. Saturday, XX/XX/XXXX XXXX refunded these withdraws {$23.00} transaction id XXXX and {$32.00} transaction id XXXX. Monday, XX/XX/XXXX, US Bank debit card account did not reflect refunded transactions on my debit card account. Monday, XX/XX/XXXX, I called US Bank to be it is their policy to hold refunds for 15 days. I asked to speak with a supervisor who was obstinate refusing to even confirm for me that the US Bank had indeed received transactions cited above from XXXX. Tuesday, XX/XX/XXXX, I called XXXX Customer Service requesting email confirmation of transactions. XXXX issued at XXXX XXXX email confirming refund transactions cited above. Wednesday, XX/XX/XXXX XXXX XXXX USBank did not reflect refunds on my USBank Debit card. At XXXXXXXX XXXX I returned call to US Bank to speak with their Customer Service Supervisor speaking for 1 hour, 3 min, 27 seconds regarding this situation. US Bank Customer Service AND that person 's Supervisor refused to even confirm, again that these refunds even were received. Both stood firm they hold refunds for 15 days. In my nearly 2 years with US Bank debit card, refunded monies from XXXX were ALWAYS refunded to my debit card. I pleaded with US bank that I am a senior on social security income, fixed income and need funds refunded me made available to buy medication, food. I asked " why '' XXXX transaction was IMMEDIATELY electronically withdrawn from my US Bank Debit Card but that refunded XXXX transactions are being HELD from my use. I was told by both US Bank Customer Service agent and supervisor no more than that is their right to do. This is, in my opinion, unconscionable for any bank 's debit card monies be withheld from the customer 's right to use when transactions of refunded monies to US Bank were issued by XXXX 4 days prior. As of this writing, Monday, XX/XX/XXXX XXXX XXXX, US Bank " continues '' to hold monies refunded to me. US Bank debit card Customers deserve honesty, a dedicated intent to resolve monetary matters as well as accountability with consistent banking actions. I file this complaint as holding anyone 's money for 1/2 month is damaging to me and all citizens relying on fixed ( social security ) income. US Bank is holding my direly needed refund from XXXX with no answer why other than it is their right to do. Respectfully Submitted, XXXX XXXX XXXX, XXXX.
Consumer complaint received 2017-05-02
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: AMERICAN HONDA FINANCE CORP (VA)

Husband w ent  to a Honda dealer ship on Saturday ,  XX/XX/XXXX  and wa s quoted an amount for the vehicle and monthly payments. The dealership allowed him to take the vehicle home, even though he had not signed all the paperwork with the  finance  department. When he went back to the dealership on Sunday,   XX/XX/XXXX , the was told th at there was some confusion with the offer he was given and that the agency was not quite sure how they had come up with the number. My husband was told to call back on Monday morning to have everything straightened out. Monday morning, the dealership is now quoting my husband payments that are {$140.00} more than what he was quoted  two days  prior.   My husband left the dealership on Saturday, after signing paperwork stating that he was committed to the deal and the rate ( among additional paperwork that he does not recall ) he was never provided with copies of what he signed. Nor was he provided any disclosures related to cost of the vehicle, charges e  tc.
On Monday,   XXXX   XXXX  , 2017 the dealership   called my husband to inform him of the new payment rate. At this time I asked what interest rate they used to calculate monthly payments and as told it was not really a rate but a formula and that the sales person did not know how it was calculated. The MSRP of the car was significantly different from what had initially been told to my husband. I feel that the dealership is practicing unfair, deceptive and abusive practices in efforts to entice consumers to purchase vehicles.
Consumer complaint received 2015-08-12
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A. (FL)

XXXX partnered with Citi to issue a branded credit card. One of the benefits of the card is priority boarding. After reading the fine print, I applied, was approved, I received and used the card in accordance with their rules. I am now taking a trip, and I do not have the priority boarding. They tell me I had to purchase the ticket with the branded Citi credit card. However, there is nothing I can see in their fine print saying that.
Consumer complaint received 2022-10-05
Product: Checking or savings account — Savings account
Issue: Managing an account — Cashing a check
Company: U.S. BANCORP (TX)

Hello I have savings and checking accounts with the US Bank. 
Im currently located in XXXX Tx for a year and 6months now and they have my address from texas on file. There are no branches here in Tx. But A teller from KS allowed around 8 transactions withdrawal from my savings and checking accounts They thiefs even deposited ficticios checks and withdrew money to XXXXhe point bt my balance is - XXXX XXXX  The amouths withdrawn from my savings account reach to XXXXXXXX XXXX in 3 days from XX/XX/XXXX to the XXXX. 
I reported the issue as soon as I realized what was happening, the agent from the Fraud department at US bank said on XX/XX/XXXX they were sending an affidavit on the mail for me to sign and start the claim process to get my money back. I haven't received that affidavit but I have received other letters and notices from them dated XX/XX/XXXX. I called today twice The first agent was rude and misleading she said their fraud department was behind and that my affidavit was not even out yet. This raised a flag ... How many fraud cases do they have? So our money is not safe in that bank? 
During my second call another agent said the affidavit had been sent on the XXXX ... and that she requested it again to be sent by mail or e mail I was never explained before that could be sent by e mail. 
I don't trust they are giving me the right info, they are not consistent in what they are saying They are misleading and withholding information I need my money back as soon as possible my son is having a XXXX on XX/XX/XXXX If they are misleading about sending the form to start the process to get my money back, how Iam going to trust they are giving it back? 
They are also misleading about the time frame up to 4 weeks, or up to 90 days to resolve this issue?