davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-06
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC (SC)

On XX/XX/XXXX, out of desperation, I foolishly turned to a predatory payday loan lender. I borrowed {$700.00} and did not fully understand the ramifications. I made my first payment on XX/XX/XXXX in the amount of {$170.00}. On XX/XX/XXXX, XXXX XXXX deducted not the {$170.00} payment, but {$230.00}. This was not to be my payment amount. Despite having paid {$400.00}, my online account shows I still owe {$810.00} on a {$700.00} loan. This is outrageous! If I pay another {$810.00}, I will end up paying {$1200.00} on a {$700.00} loan. That is {$520.00} in interest. 75 % interest!!!!! This is predatory and greedy. My loan documents actually show the interest rate as 672 %!!!!!! This must be illegal!!!!! 

Since I have paid {$400.00} on a {$700.00} loan, my balance due without interest is {$290.00}. In South Carolina, payday loans can only charge {$15.00} per {$100.00} borrowed. Since that is my state of residence, I should only have to pay {$100.00} in fees. I should have a balance remaining of {$390.00} NOT {$810.00}. 

Since XXXX has already lied to me and changed my payment amount, I now want to reach a settlement to pay off the {$390.00}. I will pay the following : {$50.00} paid on XX/XX/XXXX {$50.00} paid on XX/XX/XXXX {$50.00} paid on XX/XX/XXXX {$50.00} paid on XX/XX/XXXX {$50.00} paid on XX/XX/XXXX {$50.00} paid on XX/XX/XXXX {$50.00} paid on XX/XX/XXXX {$49.00} paid on XX/XX/XXXX I will make my payments via check mailed to XXXX. I have revoked XXXX  's authority to automatically take money from my checking account.
Consumer complaint received 2018-11-06
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: SYNCHRONY FINANCIAL (CA)

Previous Complaint Number XXXX - was closed due to Synchrony Bank responding. 

Update : On XX/XX/XXXX, I missed a call from XXXX XXXX. I returned her call within an hour and left a message. I continued to call her for the next several days, always leaving a message. I received a letter stating Synchrony bank admitted the mistake and was going to take actions to correct it. I sent the letter to my lender to order a rapid re-score. They declined the request due to the letter not meeting the requirements of the credit bureaus. They are requesting a revised letter that does not have future tense verbiage. They'd like a copy of the request sent to the credit bureaus. 

I called XXXX XXXX today and left her another message. I also went on-line and gave a report on the previous case number. I am in escrow to buy two properties and need to have this resolves asap. 

Previous Complaint : On XX/XX/XXXX, I applied for a mortgage and if this is not resolved, I will be declined due to an account misreporting on my credit report. Late last year, XX/XX/XXXX or XX/XX/XXXX, I paid off a XXXX charge card in full by contacting the creditor directly and making a payment with their representative. During this time, I had also purchased a new home and moved to a new address. I confirmed during over an hour long string of conversations with Synchrony Bank ( XXXX change card service provider ) that the creditor had received a XXXX XXXX return and that they never updated my account with the correct address to properly notify me of an amount due. I was never contacted via telephone or mail that there was a balance/charge on this account. The charge appears to be an annual service fee or some known charge based on the credit report I was able to review with my mortgage broker. My broker and I conferenced called the creditor at the number provided by the credit report : XXXX XXXX XXXX. We were then transferred and disconnected to another department XXXX. We were on the phone for over an hour, transferred to several representatives that continued to say sorry for their mistake, but could not resolve the issue. Then we were told to call the account resolution department at XXXX. This department then informed us that they no longer have access to the account and that we need to call XXXX XXXX at XXXX. The following morning, I called XXXX credit and was told it takes three days to " unlock '' the account so they can speak to me about it. Today, I called XXXX credit and they confirmed they purchased the account on XX/XX/XXXX. They gave me a balance of {$57.00}, which I have decided to pay immediately as to not further damage my credit. 
XXXX credit is not currently reporting the account as of the report pulled on XX/XX/XXXX.
Consumer complaint received 2018-11-06
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. (CA)

Equifax continues with it's purposely XXXX XXXX XXXX XXXX XXXX negligence in the attempt to willfully continually spitefully SUPPRESS my employment, financial, and personal business regarding their credit score reporting despite the ( attached ) XX/XX/2016 settlement agreement awarded from the federal court complaint filed vs. them, and their purposely continued inaccurate credit score reporting conduct, and activities. All this despite my credit being in really GOOD standing per the attached credit report ...
Consumer complaint received 2022-08-02
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 appalled by the ability of the Credit Bureaus to do nothing and ignore the letters I have been sending to them. The letters I sent on XX/XX/XXXX was already my 12th dispute letters sent requesting that they remove the disputed fraudulent items on my Credit report. I was a victim of identity theft, what proofs more do I need to send to the Cerdit Bureaus for them to finally remove the disputed items from my Credit report? For already a year, the Credit Bureaus have not complied with the FCRA section 605b which requires the Credit reporting agencies to remove any accounts and information that the consumer identifies as an items resulting due to identity theft. I am submitting this complaint to protect my rights which is clearly being violated by the Credit Bureaus. I would greatly appreciate it if the Credit reporting agencies would remove the following fraudulent items completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX LA XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX LA XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX CT XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX PARK XXXX XXXX CT XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX  XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX CA XXXX XXXXXXXX XXXX XXXX  XXXX XXXX CA 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 Balance Owed : {$0.00} Date Opened : XX/XX/XXXX
Consumer complaint received 2023-01-19
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. (NY)

this complaint is on XXXX XXXX XXXX 
this company has closed my account. in XX/XX/2021 i tried calling to settle this debt with them but was informed that the debt was sold to a collection agency.my complaint is that they have not listed the debt collector 's information. they continue to report negative remarks on my credit report every month. 
they have listed this account as charged off as bad debt profit and loss write off. 
who is the company that now holds this debt? I've checked my credit report with all 3 bureaus and there's no collection agency being listed. but on my credit report XXXX XXXX has it as its in collection .i am trying to repair my damaged credit and i can't do that if i don't know who the collection agency is
Consumer complaint received 2022-08-02
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. (CA)

Upon reviewing my updates, incorrect information are being reported to my personal credit file. The Experian, XXXX, and XXXX Credit Reporting Agencies has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continued to report unverified information without providing any proof required by law. The 3 Credit Bureuas have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following inquires to be removed ; XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-08-02
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. (DE)

I sent Transunion a inaccurate inquiries letter with violations on there. Stating that I never gave them consent to furnish information on my consumer report under permissible purpose 15 USC 1681b ( a ) ( 2 ). Without my written consent this is known as identity theft and Transunion is commiting identity theft. They sent me a letter back saying that they followed permissable purpose and i need to reach out to these companies. Transunion has ignored my rights as a consumer and has failed to delete these inquiries off my consumer report.
Consumer complaint received 2022-08-02
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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
Consumer complaint received 2021-06-25
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: SYNCHRONY FINANCIAL (TN)

On XX/XX/2021 i spoke to a Lowes credit office employee name miss XXXX told her i didn't apply for a Lowes credit card i came to the store with a friend XXXX XXXX and the sales person asked for a reference and i gave her my personal information she told me the sales person have me down as an authorized user of this card o told her i didn't request that she that i will be removed and ask to inform the credit she said she will and i have lost 11pts on my credit as a result i have no Lowes credit card
Consumer complaint received 2018-11-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DISCOVER BANK (IL)

I sent a validation goodwill letter to both Discover & XXXX originally dated on XX/XX/XXXX asking them to verify the late payments that are showing on my credit report since I never been late on any of my payments. Since I did not hear anything back from them within that 30 day time period I sent them no response letters to each creditor Discover and XXXX XXXX and I sent Section 609 letters to each credit bureaus dated on XX/XX/XXXX and XX/XX/XXXX asking them for proof of the late payments that were being reported on my credit report. After I sent that I received a response from the credit bureau and each creditor. My response from the bureau included a copy of my credit report : XXXX sent me an update in which they changed only in regards to Discover not XXXX XXXX, but XXXX and XXXX  did not update anything. I received a letter from XXXX XXXX and Discover stating they need information from me such as the letter and copy of my credit report in which I sent. Furthermore I sent both creditors what they wanted this included a form from Discover verifying my personal information and XXXX XXXX requested I provide them a copy of the letter they sent with my credit report showing the late payment and then both creditors sent back letters stating they will not be updating anything and I need to provide more information completely ignoring my request.
Consumer complaint received 2022-08-02
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. (IL)

I have been submitting multiple letters from XX/XX/XXXX to XXXX XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the remaining inquiries listed below : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-11-06
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: WELLS FARGO & COMPANY (CT)

( 1 ) Background : I withdrew a total of four $ XXXX student loans ( $ XXXX total ) for school, two of which were from Wells Fargo ( $ XXXX + $ XXXX = $ XXXX total from Wells Fargo ). 

( 2 ) History : I had to leave my university due to unforeseen health issues, and continued & completed my education at a local college. This was when I pulled out the two Wells Fargo loans, with the intention of completing local college & going onto a 4-year degree & XXXX XXXX XXXX. 

( 3 ) Change of events : Due to my time in & out of school ( due to medical issues ), my repayment terms changed at Wells Fargo, and my interest rates on both Wells Fargo loans ballooned above 14 %. My other student loans are half that rate ( for the same original amount withdrawn ) ( 4 ) Payment history : To Wells Fargo, on the two $ XXXX loans combined ( $ XXXX total ), I have already paid back over $ 125k ( {$120000.00} to be exact ) and currently owe {$87000.00}. I feel this is predatory lending practices. So not only do I still essentially owe the original $ XXXX, but also $ XXXX more on top of that, despite having paid back over {$120000.00}. Wells Fargo lent me $ XXXX and has made an additional {$76000.00} profit off off me, so not only have I paid back the original loan amount, but more than $ 75k on top of that - more than double the original loan amount! 

( 5 ) Note on interest : On both of my loans, my interest is more than double the principle. I pay over {$1500.00} a month combined. 

( 6 ) Other student loans : In comparison, my other two $ XXXX loans from other companies are {$200.00} a month and {$260.00} a month, respectively, for a total of {$460.00} a month. Wells Fargo is surcharging me over {$1000.00} a month over what my other loans are ( same original principle ).
Consumer complaint received 2021-06-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST HORIZON BANK (TN)

I have reached out once before due to First Horizon having a hold on my funds. My account still has a hold. After my first complaint they finally decided to reach out and send a letter by mail. Nothing has yet to be done. They stated they are waiting on response from lender. Weeks have passed. It has been well over a month and a half. Why accept the money in the first place? They find people they feel are gullible and try to run circles around them. This money has been disbursed to my personal account. On behalf of Sba I am legally responsible. I have an fiduciary obligation to pay this money back. I had to have qualified to get the funds. I go through the process of getting approved and the banks of course are up to their usual schemes and politics as far as keeping my money as long as they could possibly hold it earning interest. This is very disturbing. We have to continue to educate and arm ourselves with knowledge and be up to par when it comes to these issues. I should have never left the bank without my money in the first place. I will be filing several more complaints. How dare you.
Consumer complaint received 2022-08-02
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. (NJ)

I've informed EXPERIAN multiple times that I have become a victim of identity theft and fraudulent accounts are being reported on my consumer report. As of XX/XX/2022 EXPERIAN has not removed the accounts resulting from identity theft pursuant to 15 U.S.C. 1681c-2.
Consumer complaint received 2023-01-19
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: EQUIFAX, INC. (OH)

In accordance with the Fair Credit Reporting Act the following companies have violated my rights. 5 U.S.C. 1681 Section 602A states I have the right to privacy. 15 U.S.C 1681 604A Section 2 states a Consumer reporting agency can not purchase an account without my written instruction. These are not my accounts and I did not give written instruction. 

1. ) XXXX XXXX # XXXX This is not my account. 
XXXX. ) XXXX XXXX Account # XXXX XXXX XXXX XXXX. ) XXXX XXXX XXXX XXXX Ohio Account # XXXX XXXX. ) XXXX XXXX XXXX # XXXX XXXX. ) XXXX XXXX XXXX Account # XXXX This is not accurate. In XXXX, I paid {$1000.00}. In XXXX, I paid {$500.00}, in XXXX, XXXX, XX/XX/XXXX In XX/XX/XXXX, I paid {$500.00}. They refuse to update the balance on my credit file. I have my receipts of all payments ; however, they refuse to update my balance on the receipt also. I am not going to continue paying until they update this balance on my credit. It is negatively affecting my credit very bad, and I am working on fixing my credit. If they don't update, I will stop paying it and we can go to court. 
XXXX. ) XXXX XXXX XXXXt # XXXX Also, there are hard inquiries on my credit file that I did not authorize. I attempted to resolve them with the Credit Reporting Agency, ( Equifax ) to no avail. They have refused to remove these inquiries that I did not authorize and it is negatively affecting my credit file. : XXXX. ) XXXX XXXX XX/XX/XXXX XXXX. ) XXXX XXXX XX/XX/XXXX XXXX. ) XXXX XX/XX/XXXX XXXX. ) XXXX XXXX XX/XX/XXXX XXXX. ) XXXX XX/XX/XXXX XXXX. ) XXXX XXXX XX/XX/XXXX XXXX. ) XXXX XXXX Bank XX/XX/XXXX XXXX. ) XXXX XXXX XXXX. XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2023-01-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP (OH)

The company is not being truthful! I ask for a judgement against the company for {$600.00} plus daily interest, plus punitive damages! Reason : the statement that I attached shows all the purchases plus payments! And their voice robot message that I attached, states the truth! Therefore, I pray for the company to pay me what I hope they ignorantly stolen!
Consumer complaint received 2022-08-02
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: Affirm Holdings, Inc (TN)

In accordance with the Fair Credit Reporting act XXXX XXXX AFFIRM INC XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX Of XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacv.

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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for an purpose
Consumer complaint received 2020-08-05
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. (AR)

I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. XXXX XXXXXXXX {$18000.00} XXXX XXXX {$2600.00} USDEPED XXXX {$7100.00} XXXX XXXX {$1500.00} USDEPTED XXXX {$4300.00} USDEPED XXXX {$4000.00} XXXX XXXX {$290.00} EQUIFAXM XXXX {$100.00} XXXX   XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00} XXXX XXXX {$4000.00} XXXX XXXX {$2600.00} XXXX XXXX {$1300.00} XXXX XXXX {$2600.00} XXXX XXXX {$2600.00}
Consumer complaint received 2023-01-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

2012 I had wells Fargo, multiple times my direct deposits would go in and disappear for 24hrs I would call customer service and they kept saying its normal and my funds would be available following day. As that would happen I would get overdraft fees do to no money because they would hold my money causing me to lose money all the time. As well as pulling out money I would have issues to pull money greater than {$500.00} without them putting my account on hold until I confirmed it was me. I also had a savings account which I kept loosing money due to my overdraft fee, so they would take from my savings to pay the late fees because they kept holding my checks after they were already deposited! 
I dont remember dates or money amount but it was a lot each time. As well as when I closed my account they kept charging me a maintenance fee even after I closed my account and I received multiple letters stating I owed them over {$500.00} of maintenance fees! And thats after I closed my accounts!