davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (FL)

While organizing the bank statement I noticed ( finally ) a recurring charge I did not recognize. This is a CareCredit card. This was originally started by my husband back in XXXX and I believe it was a type of home loan. Unable to access anything about the card, company, representatives, I can not be certain. I am ashamed of myself that I never even noticed it. I am XXXX and now my daughter is helping me. 

I have exhausted every method to get information from CareCredit/Synchrony -- payments are recurring to XXXX XXXX XXXX. That is all I get for information. This has actually been continuing on for 6+ years! 

I did manage to get a little peek at account numbers they were helping themselves to. The original account was open when my husband was alive using a totally different account # than what I can pull up now. I did stop the account however it just kept on taking money along with extremely high interest for over 4 years. The total taken out of my checking account with the partial report I generated was close to {$6000.00}. That is without the interest! I am in disbelief that there is absolutely no way to view any information. The Synchrony " sign on '' page is almost like it is fake. They know nothing of your account when you try to get help. I am on a fixed income and it is my hope that you will be able to stop these companies that do anything they want. I am very happy I finally noticed it. The charges went from {$12.00} - {$25.00} - {$75.00} - {$130.00} and up. Oh, forgot about the late charges in fine print at the last line. Obviously you never, ever pay it down and if you are not really focused like myself, your money just dwindles away. 
Charges for interest if the entire amount is not paid by the " promotion '' window of time, they charge 29 %, RETRO from when you first got the loan! It was over {$16000.00}. I believe. Please let me know if you take these guys in by their ... just do n't forget to grab all of my money first! 

If you need to ask more questions, please let me know.
Consumer complaint received 2017-09-30
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: EQUIFAX, INC. (PA)

I have an extremely common name and am very concerned because I know there is a very bad guy born on the same day with the same name as me. I found this out when an apartment complex did a background check on me and got my information mixed up with his. Today, I found an associated address that is not mine on my Equifax Credit Report today using their TrustedID XXXX XXXX. It took Equifax a long time to send me the email to activate this service and it is currently in a " processing '' status. I need to have this address removed and lock my credit reports. Here 's the wrong address not associated with me in any way " XXXX XXXX XXXX, XXXX XXXX, MISSOURI, XXXX ''.
Consumer complaint received 2021-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

i recently check my credit report and notice that my personal information was reporting inaccurate and on XX/XX/2021, i wrote all 3 CRAs ( XXXX, EQUIFAX, AND XXXX ) and requested that correct the information because it could lead to identity theft if left unattended. I have attached copies below for my record as well and it need to be updated as soon as possible.
Consumer complaint received 2020-04-23
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Client Services, Inc. (IN)

Repeated phone calls from Client Services , Inc. from XXXX XXXX, Mo. Repeatedly call multiple times a day. When I answer to ask them to remove me from their list, they will not answer why they are calling, or will even hang up. The voicemails they leave are vague and leave no details as to debt they're trying to collect. Pair that with I have no debt in collections, this is getting to be a nuissance.
Consumer complaint received 2020-04-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (MD)

PNC Bank XXXX XXXX XXXX XXXX, OH XXXX RE : Banks Failure to Post Payment Today, I received notice from PNC Bank ( Bank ) that our mortgage payment was late ; however, payment was made to the Bank on time, that payment was cashed by the Bank, and the Bank failed to appropriately allocate my payment to my account. 

Upon receiving the referenced late notice, I called PNC Bank Customer Service, where I waited on hold for approximately 10 minutes. When I was finally connected, I spoke to XXXX XXXX. I shared with XXXX, the following : 2 checks sent in one envelope to the bank, with the payment slip totaling {$2500.00} ( as done in prior months, with extra going to principal ) o Check # XXXX ( XXXX XXXX XXXX XXXX  ) - {$1500.00} was cashed by the Bank onXX/XX/XXXX o Check # XXXX XXXX XXXX XXXX XXXX XXXX  ) - {$1000.00} was cashed by the Bank on XX/XX/ Both checks included the account number XXXX advised that the payment for {$1000.00} ( # XXXX ) was applied to my account ; however, the other check ( {$1500.00}, # XXXX ) was not applied to my account. XXXX then requested a supervisor to review the account, but due to excessive wait times and heavy call volume, a supervisor was unavailable. As a result, XXXX was opening a research ticket into the matter. 

I am requesting immediate and full resolution to this matter, with written notice of the resolution, incorporating the following : The late payment of {$62.00} removed from account Any and all credit bureau reporting corrected, noting that this is a Bank error A copy of this letter has been sent to the bank.
Consumer complaint received 2022-08-05
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: Paypal Holdings, Inc (CA)

I canceled the hotel stay with XXXX and the hotel promised me that they would offer me a refund. I was diagnosed with XXXX and when I called the hotel they advised that was not a problem. I was the only one allowed on the hotel stay and there was no one allowed to stay under my name. That would be considered fraud.
Consumer complaint received 2022-08-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA (FL)

Account is locked and have talked to them ( Apple Card - Goldman Sachs on the phone. They say it will take up to 10 days to have it resolved? I need to make a payment on this card and cant because I cant even get into my account.
Consumer complaint received 2017-09-30
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ECMC GROUP, INC. (OH)

I have student loan that had defaulted and was turned over to Premiere of North America LLC. Arrangements were made for me to pay {$140.00} dollars each  month for 10 months. After 10 months of payment, my loan would be in a current status. These arrangements were set up automatically to be withdrawal from my checking account monthly. Payments started to come out of my checking account automatically, but then the payments stopped. When I contacted Premiere @ XXXX, I was unable to get through ( constantly on hold and then the line would disconnected XXXX to speak with a representative after several attempts. After calling Premiere for several weeks, I finally received a recording stating that they were no longer handling my account and the call was automatically transferred to the XXXX XXXX XXXX ( XXXX ). After speaking to a Representative, I was told that there was a dispute going on between Premiere and XXXX XXXX XXXX XXXX and that they could only accept payments but because no paperwork from Premiere was forwarded to them, they could n't honor the payment arrangements that was made with Premiere and they could n't off their rehabilitation program because it is only offered once in the lifetime of the loan. I asked for a settlement amount, the representative told me that I need to contact Premiere. I confirmed with the agent that they were aware I was getting referred back to their office. The agent stated that is what he was told to say. I am wanting my name removed off of the CAIVRS list because I have been paying as agreed. I am also requesting that the XXXX XXXX XXXX honor the payment arrangement that was set up with Premiere.
Consumer complaint received 2017-09-29
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: Credit Plus Inc (GA)

Unaware accounts and inquiries on my credit account which I have no clue where they came from. I have n't used my credit account in over 20 years. I have attached the accounts down below. The inquiries are fraudulent. If the inquiries are n't removed I will be taking legal actions against all person liable for this.
Consumer complaint received 2022-08-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: EQUIFAX, INC. (NY)

When I first got the XXXX XXXXXXXX credit card the XXXX XXXXXXXX app was not the best to use, it was difficult to use, and the payments didn't show up for weeks, It was getting me confused, I always had auto pay on for all my cards and loans, but somehow on XXXX XXXX they accused me of 5 late payments and they closed my account, however, I fully paid the balance and even the late fees that were not my fault, difficult to use the software was the problem, and another problem on the back end of XXXX XXXXXXXX by not sending me statement bills, payment bills, and even auto pay function was not working properly.
Consumer complaint received 2020-04-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC (NY)

My name is XXXX XXXX, i have a XXXX  XXXX XXXX financed with Westlake financial Services. On XX/XX/XXXX new york state asked all the banks to push the payments out for people affected. I called westlake financial services asking for payment arrangement at the end of the loan but instead they starting harassing me. I been receiving calls 3-5 times daily and they are charging penalties and late fees my phone number XXXX XXXX XXXX.
Consumer complaint received 2017-12-25
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: JPMORGAN CHASE & CO. (CA)

Merchant charged my credit on XXXX/XXXX/XXXX in the amount of {$150.00}. I called merchant to let them know I have already canceled my service. Merchant refunded full amount of {$150.00} on XXXX/XXXX/XXXX. I wrote to Chase Bank and filed dispute. Chase removed the charge and then reposted in my account. I even attached a copy of the receipt to show that merchant had refunded all credit. I wrote to them a few times but never heard from them. Please help. Thank you.
Consumer complaint received 2017-07-06
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. (CA)

Back in XX/XX/XXXX, I paid in person, my car bill as requested in my paper bill received for that month. Later, I was contacted by XXXX XXXX XXXX/ the auto lender, stating that I was more than 30 days late because I had only made a partial payment. <P/> I disputed that since I knew I had made my payment before being 30 days late and had paid more the amount due on the bill sent to me by the auto lender. The following month, I paid my bill before being 30 days late and for more than the bill amount due. <P/> Since then, my credit got seriously affected because they reported to the 3 credit bureaus that I paid 2 times 30 days late. I had never paid anything late and my report reflects this. My credit score was above XXXX and now is in the high XXXX 's! I have contacted the auto lender numerous times in an attempt to fix this matter and even asked for forgiveness if this was my honest mistake. Sadly, this was denied.
<P/>
Recently, I 've been keeping track of my auto loan monthly bills an de noticed that everyone of them shows a lesser amount due. Yesterday, XX/XX/XXXX, I contacted my auto lender and inquired about the difference in amounts due and long story LONG ... in speaking with XXXX at XXXX p/s/t, " I was NOT 30 days late in XX/XX/XXXX or XX/XX/XXXX. Nor did I make partial payments for either months. '' I asked to be kindly be mailed a letter reflecting this correction and she told me that she could not do this, but that instead I should reach all 3 bureaus and the bureaus would send paperwork to the auto lender and they would make the corrections at that time.
<P/>
Kindly assist me in doing this and advise me as to what I should do next.
Consumer complaint received 2020-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (CA)

Creditor : Chase Acct # : XXXX XXXX XXXX XXXX Re : 30-day late reported XX/XX/2018 Chase reported a 30-day late XX/XX/2018. My mailing address should have been updated. I have multiple accounts with Chase but somehow I did not receive my monthly statement. 

The Fair Credit Billing Act requires that any lender offering consumer credit send statements to the last address reported by the consumer at 14 days before the bill is due or penalties apply. This did not happen. 

Chase did not comply with the Fair Credit Billing Act and now is in violation of the Fair Credit Reporting Act by reporting incorrect information.
Consumer complaint received 2017-12-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (CA)

XXXX has reported to all 3 credit bureaus that my account with them has been charged off.I have disputed this false information many times and all 3 credit bureaus report back to me that the results from XXXX is stating charge off.I got in contact with a supervisor at XXXX on XX/XX/XXXX he would not give me his name but told me this account has been charged off.He could n't give me for what amount when was it charge off or anything. Told me to get in contact with the credit bureaus. I open an XXXX account back in XX/XX/XXXX my highest balance was {$180.00} never late. XXXX closed this account XX/XX/XXXX without me knowing. I did not authorize them to put charge off on my credit nor closed by grantor. False information that 's being reported! I want XXXX to remove this charge off and closed by grantor off my credit. My credit is taking a hit from that wrong information. Also can they sent me a letter stating they have removed from credit agencies.
Consumer complaint received 2017-12-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TX)

Equifax lower my score by 79 points with no reason. 
XXXX lower my credit score by 73 points with no reason.
Consumer complaint received 2020-04-23
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: Innovis (LA)

In XXXX after checking my credit report I noticed that several files were not mine. Innovis was reporting a XXXX XXXX account. This account does not belong to me. I disputed with Innovis. The said that the accounts were verified. I began gathering information and disputing with the companies all of which agreed that the respective accounts in question were not mine ( Certified copies of letters that I received from each company are attached ). Most of these accounts have already been deleted from the other bureaus and the companies agreed to request removal of the items with the latest coming in XXXX. I contacted Innovis several times and as of date they still have these accounts on my credit file damaging my credit. They state that the account was verified, however as you can see it could not possibly be verified. Innovis is deliberately violating my rights under the FCRA by reporting invalid unverified information and alleging it is having investigated this which obviously it had not. Please see attached proof.
Consumer complaint received 2017-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (TN)

There is a {$12000.00} outstanding mortgage balance listed on my credit report for a mortgage I no longer have. The XXXX XXXX XXXX XXXX XXXX took over the mortgage : first and second mortgage yet the second one continues to be listed on my all 3 of my credit reports : XXXX, XXXX and Equifax.
Consumer complaint received 2017-09-29
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (AL)

My mortgage was recently sold to XXXX. This will only be my XXXX payment to them of both of which have been on time based on the policy at the time. Now they are charging fees for what they consider " past the due date ''. Mine is " due '' on the XXXX. They start charging fees starting on the XXXX and they get higher the more the days go by. I am not disputing that a late charge could be due, but there are several issue. When my first statement came out, the " late date '' was considered to be the XXXX. One, I was never notified in writing on the change and certainly did n't agree to it. Two, I have never been late on it, so I do n't see how they have the right to change their policy. This is nothing but a money grab from a greedy company penalizing responsible borrowers. Please address this issue. Thank you.
Consumer complaint received 2022-10-03
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. (GA)

I recently wrote a letter to the credit bureaus to do an investigation of my credit report to check the accuracy of the accounts and personal information. They stated all my accounts and personal information was accurate and update. So I did an even thorough investigation myself and found improper inaccuracies on my credit report even after they said they did there investigation. I Researched my own rights and found this .... in accordance with the Fair Credit Reporting act 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions .Below I am listing all the accounts that I found was to be wrong. 

Account Name : XXXX XXXX Account : # XXXX Each credit bureau is reporting different late payment status as well as the date of last reporting. I have attached my credit report as well as proof of my letters being sent to the credit bureaus and no investigation being done. 

Account Name : XXXX  XXXX Account # XXXX I have asked for this account to be removed because the account is not mine and is someones account affecting my credit score negatively Each credit bureau is reporting different information and XXXX doesnt even show this account belonging to me. 
Account Name : XXXX Account # XXXX Each credit bureau XXXX XXXX different " dates of last active, '' date of last payment, '' and " payment status. '' Account Name : XXXX XXXX XXXX XXXX Account # XXXX Balance : {$6100.00} This account is only reporting from XXXX and no other credit bureau. I have already disputed this as a fraudulent account yet experian continues to hold this account on my credit report. 
Account Name : XXXX XXXX XXXX Balance : {$25000.00} This account is only reporting on XXXX and no other credit bureau. I have already disputed this as a fraudulent account yet XXXX now continues to hold this account on my credit report. Account Name : XXXX XXXX XXXX This account has so many inaccuracy from date opened, to balance due, payment status, and date of last active. The credit bureaus did not due an investigation into this account to verify the information is correct.. 
Account XXXX XXXX XXXX XXXX  XXXX Account XXXX This account is only reporting negatively to two credit bureaus which is XXXX and XXXX. Which both these bureaus have different dates of opening as well as when the account was even active.
Consumer complaint received 2017-09-29
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRANSWORLD SYSTEMS INC (KY)

I have been getting repeated calls from callers saying they are with Transworld Systems for YEARS. I used an app on my phone to block the calls, but I switched to a new phone and now they are coming in. Every day they call, 3-6 times per day. For years I never picked up because the calls were blocked by the app, but they would leave messages saying they were from Transworld Systems. 

I finally picked up this week. I told them that I did n't have any past due debt. They told me they were collecting for a debt owed to XXXX XXXX XXXX XXXX, but the person on the phone would not give me any more details about the debt. I checked my XXXX XXXX account and called them, and both online and on the phone they confirmed that my student loan debt was paid off years ago and there are no problems. I asked the person on the phone to stop calling and sent Transworld a cease and desist letter. I have of course never received any written information about the debt and they would n't give me any details on the phone.
Consumer complaint received 2017-07-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (GA)

citi Card places a 14 day arbitrary hold ( payment float ) on my credit line for purchases when I make an electronic payment on my balance prior to the due date. When I call they advise me because I am a " new customer and we do n't know you or trust you yet so we have to wait 14 days to verify the information from your bank XXXX, due to my payment pattern on auto pay '' * in broken English/XXXX. I made my last payment on XX/XX/XXXX the due date and the funds were transferred from my XXXX account on that date and cleared my bank on XX/XX/XXXX. I was provided a note that my balance was paid and no late fee and payment of {$6000.00} received, however when I went to use my citi visa non XX/XX/XXXX I it was declined I called citi and was told it was due to a 14 hold on my payment, which citi received on XX/XX/XXXX from wire transfer from my checking account XXXX.  Basically, citi is committing fraud by " floating '' my payment of {$6000.00} for 14 days and denying me credit for future purchases why I have made on time payments.