davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (FL)

I am very disappointed with Lowe 's Synchrony Bank. Every time that I get a promotion they like to join all the purchases in one statement no matter the amount, date and year. Today, I was checking my statement and I notice interest charges, I called customer services and Ms. XXXX said that I did not have any interest charges unless I pay late or I went over the time. So, I end the call and I went back to my statement, but I went to see the second page and I noticed they really were charging interest in one of the account. I called back, the another member answer Mr. XXXX, I explained to him and asked whey they were charging interest on that statement because I always pay on time and I pay more then the minimum payment, so I don't pay late fee or interest. I was astonished when he said that I had called then and they recorded that I requested to change one of my special promotion to be regular and that is why it was a charge of interest. I was so upset and I told him that I need that recorded request and I need it to speak with a supervisor. So, he transferred me to the supervisor Ms. XXXX and I explained to her what Mr. XXXX said to me. Then she put me on hold and when she came back, told me that was a mistake from them, but she could not give any credit of the interest they have been taking every month on these promotion accounts because is been for a long time they have been charging this. I told her that was not right because it was not my fault, but she said she felt sorry, but nothing she could do. I asked again, nothing at all, then she said well I can give you the last two month of {$6.00} and I told her, you all have been taking {$3.00} every month and she repeated again I am so sorry but nothing I can do. This is not the first time they do this. They do the mistake and we as customers we pay for their mistakes. Very bad. I don't know if I am going to use any more that credit card and the thing is that Lowe 's does not give any support to their customer on this kind of situation. I also, called Lowe 's, but they said nothing they can do because I need to fix this with Synchrony Bank. This Bank is locate at XXXX. XXXX XXXX and their number is XXXX. I put a complain at XXXX but hey have a request from Synchrony Band to ask the customer to get in contact with Synchrony Bank before. I did put the complain, but I saw on XXXX a lot of people had put a complain on XXXX and no resolution with this Bank.
Consumer complaint received 2022-08-13
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. (TX)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Date Opened XX/XX/2019 Balance {$2800.00} XXXX XXXX XXXX Date Opened XX/XX/XXXXBalance {$880.00} XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$4400.00}
Consumer complaint received 2020-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (OH)

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX SS XXXX DOB : XX/XX/XXXX Here are the requested documents to remove my credit freeze so I can reset my Experian account and take care of my financial business.
Consumer complaint received 2020-04-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (IL)

We modified our mortgage 18 minths ago with Carrington mortgage services.

And with covid 19 we asked for a forbearance and the mortgage servicer when applying online says they will get back to you in 7-10 days. Waited and then called.

Talking with the mortgage servicer they say we dont qualify but we applied online thru our account. No one was ever going to call us. They said they asked a supervisor and we dont qualify because we are conventional. We would have to apply for mortgage assistance that could take 30 days from application received complete and accepted to start process of forbearance or modification. With it taking 60-90 days to get a answer. 
They modified us into a loan in which now we are stuck under whatever rules they decide. Its like they want people to get in deeper with them. I feel the website makes it look loke they help you but why couldnt they say when on website your loan doesnt qualify immediate. Why let consumers wait and hope.
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 — Account status incorrect
Company: EQUIFAX, INC. (MS)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.
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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.
Consumer complaint received 2020-12-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AL)

Usaa will not release my checking account money to me until they keep it for 60 days based on their policy. This will cause me to lose everything I have worked for my entire life. I will lose my house, my vehicles, everything. USAA Bank has said they are making an example of me and will not give me hard-earned paycheck money until the 60 days are up. The problem with USAA had nothing to do with my checking accounts it had to do with the credit cards I had with them.
Consumer complaint received 2021-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

Capital One is reporting erroneous lates on my credit file. They are reporting a late for XX/XX/20. This late happened at the very beginning of COVID. I had been laid off for a few weeks as most people were. I called and made this payment as soon as i could to avoid the late notation and i was advised that since there was a pandemic this would not be reported to my credit file. I recently checked my credit and noticed that there was a late notation added to my credit file. I need this late removed. I was told the late would not be reported to my credit file because it was due to the pandemic.
Consumer complaint received 2020-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

Last month my credit score was XXXX with no late payments all year of XXXX and it has dropped 35 points and I would like to know why it has droppped to this on one month or less? This is incorrect
Consumer complaint received 2017-09-24
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. (NC)

I have been disputing the consumer credit reporting agency, Experian for 20 months. I have sent affidavits, police reports, certified compliant/demand letters to Experian. They have continued to delete and than add accounts back on my credit file without providing evidence obtaining my signature. The following are accounts that Experian added to my credit file without my permission nor evidence that these account are mine : XXXX XXXX XXXX, XXXX XXXX/XXXX all XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX. My last certified letter that I sent Experian was on XXXX XXXX, 2017 and they continued to keep my credit file the same or re-adding accounts and not providing me with actual proof with signatures that these accounts belong to me.
Consumer complaint received 2019-06-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (OH)

This company is horrible to deal with if you have any issues logging in, making a payment, claiming fault for any website malfunctions, checking banking information for accuracy to avoid rejection of payments after the due date which results in late fees that they will not excuse because of a fault of their own. THEN ... on XXXX we called Home Point Financial to explore the possibly of skipping a payment and adding it to the end of the long due to a nature disaster where our home is inhabitable and in the middle of an insurance claim. We have had SEVERAL unexpected expenses due to this situation and Home Point mentioned they don't offer the service to skip a payment and if we would become more than a month late they report it to a debt collection agency. I understand that this might not be a service that they would want to offer, but I am very frustrated that it is not an opportunity for some circumstances. Horrible customer service and I am looking forward to the day of getting to refinance with a more understanding and WELL ROUNDED company.
Consumer complaint received 2019-06-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (VT)

PayPal locked the funds in my account, would not let me spend any of MY MONEY. PayPal lets money accumulate, but I can not transfer or spend any. 

No vendor could complete a transaction that I initiated. Several months passed. 

Then XXXX had fees ( for a sale ) due and PayPal allowed that transaction. 

PayPal continues to lock the rest of MY MONEY. 

I have been robbed! Do something about these criminals.
Consumer complaint received 2023-01-10
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. (KS)

In accordance with the Fair Credit Reporting Act. The account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX XXXX XXXX Account number : XXXX has violated my rights. 

15 U S C 1681 section 602 A states i have the right to privacy.

15 U S C 1681 section 602 A section 2 it also state a consumer reporting agency can not furnish a account without my written instructions.

12 U S C 1681c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer reporting containing 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 XXXX years.
Consumer complaint received 2022-08-13
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)

I sent a letter on XX/XX/XXXX to XXXX credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than XXXX business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXXXXXX 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 XXXXXXXX XXXX XXXX ) XXXX Balance : {$540.00} ; XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX XXXX : {$360.00} ; US DEPT ED XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance XXXX {$400.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$420.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$6400.00} ; XXXX XXXX XXXXXXXX : {$270.00} ; XXXX XXXX XXXX XXXX Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$230.00} ; XXXX & XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX : {$2100.00} ; XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$1100.00} ; XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$630.00} US DEPT ED XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$210.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$210.00} ; US DEPT ED XXXX Balance : {$0.00} ; US DEPT ED XXXX Balance : {$0.00} ; US DEPT ED XXXX Balance : {$0.00} ; US DEPT ED XXXX Balance : {$0.00} ; XXXX XXXX  Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/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 2020-11-16
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

1. On XX/XX/XXXX, XXXX add a hard inquiry on my credit report per XXXX. 
2. On XX/XX/XXXX, XXXX XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX, XXXX and XXXX. 
3. On XX/XX/XXXX, CAPITAL ONE AUTO FINANCE add a hard inquiry on my credit report per XXXX, XXXX and XXXX.
Consumer complaint received 2017-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

InXX/XX/XXXX the property was purchased for $ XXXX and in XX/XX/XXXX a $ XXXX HELOC was taken out. As you already know, the original purchase was financed by two simultaneous mortgages for $ XXXX and $ XXXX totaling $ XXXX, but when the $ XXXX and $ XXXX were consolidated ( see Exhibit 1 ), evidently the $ XXXX was confused with the HELOC and left off ( see Exhibit 2, page 11 of title report ). Also, among other errors, $ XXXX in closing costs was apparently mistakenly entered as $ XXXX ( see Exhibits 1-4 ). If you resolve this soon we wo n't sue you. A sale of the property is collapsing, as we have previously told you.
Consumer complaint received 2020-10-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (CT)

Wells Fargo offered remedy payment in amount of {$3700.00} as well as subsequent amount of {$500.00} via mediation for fraudulent accounts opened by Wells Fargo reps in my name which were unwanted and again, fraudulently opened. As explained in prior CFPB complaint, no payments were received, payments sent to old address were not received. I have since moved to a new address which is XXXX XXXX XXXX, XXXX XXXX, CT XXXX. I've requested a reasonable settlement amount, Wells Fargo has failed to offer an amount which covers damages sustained due to these fraudulent accounts. Wells Fargo reps replying to CFPB refer to mediation agreement which again, was not received as anything sent to old address would not be forwarded. Since no agreement received, they can not refer to it as any document related to was not signed by myself. It appears Wells Fargo will not honor their offers, refers to old address they sent to in which case was not forwarded to current address.
Consumer complaint received 2017-09-24
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: CITIBANK, N.A. (CA)

Over the summer, I had two packages of " beauty serum '' mailed to my house using a name very similar to mine. The envelopes had no return address and the packing slip had only a phone number that no one answered. They also began charging my credit card {$89.00}, XXXX, and then XXXX. I disputed the charges. My credit card disagreed and said not only was I liable for the charges, they would not stop these fraudulent charges on my account unless I closed the account. My credit card company also informed that they could not tell me any information on the company charging my card. Eventually, my credit card company sent me the address of the fraudulent company, and I returned all of the merchandise to them via certified mail. I then asked my credit card company for a refund, and they told me I am liable for all charges because I did not return the merchandise in a timely matter. I had to close this credit card to prevent any more charges, hence closing an account I had open for over 17 years.
Consumer complaint received 2017-09-24
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Amerifinance, Inc. (FL)

This company 's employees are extremely rude and disrespectful and do n't even offer grace periods or deferments after Hurricane Irma I recently took my car loan out with this company. Since then, about almost 2 weeks, we experienced Hurrican Irma and public schools and most businesses were closed due to electrical issues which took the electric company almost until a couple days ago to have the whole county at 100 % again. Due to the closings, I was forced to pay a lot of money for additional childcare costs, food expenses and I lost some days of work which I was not paid for. I called on today 's date at about XXXX because I was a little worried that I would not be unable to pay my next car payment on full and on time. When I called I was greeted by a XXXX who presented herself as a " recovery manager ''. I explained my situation and my concern and the first question she could ask me was that if I could maybe manage to " play '' around with my other bills, ask for extensions. I was shocked. She then explained to me that my loan was not a conventional loan, my loan had no such things as a grace period or deferment options. After expressing my shock not only of the inconsideration on their behalf even with the natural disaster but also with her tone of ridicule she stated that maybe I need to refinance with another company. She even stated I maybe needed to apply for XXXX assistance and unemployment to help pay my car note. I was already flabbergasted enough let alone not ready for the next thing to come out of her mouth which was " you see a regular loan has better customer service ''. I am appalled and disgusted with this company and the cold halfheartedness of their employees. This company preys on individuals who have low credit scores and their practices should be monitored and controlled. Their employees require much better training and coaching. I called back the company to get the " managers '' name I spoke with earlier all she can tell me was XXXX and stated " Report me i do n't care, the answer remains the same you need to make your payment. ''
Consumer complaint received 2020-12-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I received all chargebacks requested but lingering dangling interest charges remains to be resolved. 
Interest charges as follows : XX/XX/XXXX, XXXX XX/XX/XXXX : XXXX, XXXX, XXXX, {$4.00} In credits given : XX/XX/XXXX : ( {$40.00} and {$1.00} ) ; XX/XX/XXXX, ( {$0.00} ), XX/XX/XXXX, ( {$.00} ) By my calculations Capital One owes credit of XXXX + XXXX - {$0.00} - {$0.00} = {$8.00} ( CREDIT DUE )
Consumer complaint received 2020-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Back in XX/XX/2012 I co-signed a car for my ex wife. She began making late payments on the account two month later making the first day of delinquency XX/XX/2012. According to the Fair Credit reporting act the length of time that a collection account may remain on a consumer credit report is 7 years and 180 days from the 1st date of the delinquency. Therefore the account XXXX XXXX showing a balance of {$7600.00} needs to be removed. This creditor is not properly reporting all dates of delinquency preventing the delinquent report from being removed from my consumer report. Violating the 7 year Fair Credit act statue.
Consumer complaint received 2019-05-31
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Commonwealth Financial Systems, Inc. (NJ)

Dear CFPB, I have recently requested my credit reports from the credit bureaus where I found three inaccurate and unathorized accounts on my credit profile from COMMONWEALTH FINANCE each in the amount of {$1100.00}. These accounts were removed XXXX of 2018 after contacting the XXXX, by the collector and has been replaced by said debt collector. I have contacted the to XXXX  regarding these accounts and submitted police reports of identity theft to the previous collector. I have also requested proper documentation to validate said debts. The collection agency has failed to provide satisfactory proof that I own this debt. under FDCPA, if the collection agency doesn't validate the debt, they are no longer to report to the credit bureaus or contact me about said debts. 

These accounts are not only hindering me from getting credit, they are seriously hurting my credit profile I should not have to suffer because of identity theft. I am asking for your assistance in getting these medical bills deleted from my credit report. 
Thank you for your time.