davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-26
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (CA)

I have a credit alert service with XXXX. I received an alert today indicating that a credit inquiry was made by Experian on behalf of XXXX on XXXX/XXXX/2016. There should be no reason for this credit inquiry and may indicate fraud. ( Our tax returns were fraudulently submitted last year. ) See attached jpeg. Your help would be appreciated.
Consumer complaint received 2016-07-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (MS)

I have disputed a collection on my report from XXXX XXXX XXXX XXXX who claims they are collecting on behalf of XXXX. Account number that shows is XXXX. Equifax refuses to remove this incorrect collection from my report. I am including proof I do not owe money for this. As you can see I have a {$0.00} balance with XXXX because student loans paid for this.
Consumer complaint received 2017-02-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (FL)

Received proof from XXXX XXXX that they are no longer reporting to EQUIFAX XXXX AND XXXX as stated on the letter attached to this case. EQUIFAX has still not removed it from my credit report after several disputes and want this off my report immediately as it is making it very difficult for me to obtain credit.
Consumer complaint received 2015-07-09
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A. (NM)

I have an account with Macy 's and am being harassed by them. I have written XXXX letters to their credit department contesting late fee charges which have been charged to my account after I paid the balance. This has happened to me since XX/XX/XXXX. They are now calling multiple times a day. I have caller ID and therefore know who is calling me. 

I want their calls to stop and to have the late fees removed from my bill. It strikes me as an illegal and unethical practice to charge customers a late fee compounded by the next month 's late fee after a payment has been made. My account is paid in full and yet they continue to hound me.
Consumer complaint received 2020-04-20
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (GA)

I contacted my loan company M and T Bank about placing a forbearance on my mortgage payments due to COVID, which are XXXX a month. They agreed to a 6 month forbearance but, when I asked that the payments be placed on the end of my loan, they said they could not do that. I mentioned that was an option under the CARES act, but they only said they could review my situation at the end of the forbearance period. 

When I asked if all my payments would come due at one time at the end of the forbearance, they said yes. I then mentioned that under the CARES act, that I could avoid that, but all they kept saying is that they would review the situation at the end of the six months. 

I am now in a forbearance plan facing an uncertain future about what I will owe at the end of six months, and the consequences of what will happen if I have to pay 6 mos of mortgage at one time. 

Thank you for your assistance in this matter.
Consumer complaint received 2015-09-24
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Green Square Company LLC. (OH)

I have been contacted multiple times with threats that if I do not respond within the day I will be sued. Called to try to settle on a debt I believe to be paid and when I offered settlement amount just to get them off my back, I was told they would have to check with the 'courts '. Continued to receive a call every hour for the rest of the day. Still never received a 'validation notice ' or a notice of the right to dispute. Just constant threats of legal action.
Consumer complaint received 2022-08-04
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. (GA)

THIS IS XXXX XXXX A NATURAL PERSON. EQUIFAX IS REPORTING INACCURATE INFORMATION ON MY CREDIT FILE. I DISPUTED THE INACCURATE ITEM ( US BANKRUPTCY COURTXXXX XXXXXXXX XXXX  BY CERTIFIED MAIL ( SEE EXHIBIT A ). THEY RESPONDED AND STATED THAT THEY ARE NOT CURRENTLY REPORTING THIS ITEM ( SEE EXHIBIT B ). BUT THEY ARE ( SEE EXHIBIT C ) THIS IS A VIOLATION MY RIGHTS PURSUANT TO 15 USC 1681 ( a ) ( 1 ) AND PURSUANT TO 15usc 1681 ( a ) ( 4 ).
Consumer complaint received 2015-12-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Green Square Company LLC. (CO)

I got a new phone number out 5 years ago. Apparently someone named XXXX XXXX had the number before me. So for the past 5 years I have been getting calls from many credit collecting companies. I would explain to each company that would call me what was going on and to please remove my number from there calling list. They all said yes they would do this. But all they did is sell it to the next credit collection company and the next company would start calling me. I realize that I can send a company a letter to stop contacting me. But they will just sell my info to the next company and the saga continues. 

Thanks XXXX
Consumer complaint received 2016-03-14
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A. (HI)

I checked my recent Best Buy credit card statement and saw I was getting charged a debt protection charge on my bill which I do n't remember agreeing to pay. When I called bestbuy they could not even tell me what it was they forwarded me to another number to call. I called that number to find that it was meant to protect me if something unexpected happened. I do not remember agreeing to this debt protection plan, my brother who was a joint person on the account also does not account agreeing to that plan as he would have been able to catch my back if something were to happen and I could not afford payments. I later learned I have been charged this fee since XXXX/XXXX/2011 without knowing because I have paperless billing.
Consumer complaint received 2015-12-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BB&T CORPORATION (NC)

I have paid extra money on principle balance of home loan, the current LTV shows 78 % and the bank is not removing the PMI from my mortgage payment, they are stating that I must send in a written request, I explained that at 78 % LTV the law requires them to automatically terminate the PMI, they told me no I must send in written request.
Consumer complaint received 2017-02-06
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (OH)

My mortgage got transferred to Loancare Servicing XX/XX/XXXX and since then I have had nothing but issues with this company. I set-up auto-payment through their website and when they had n't processed the XX/XX/XXXX payment on time, I called and asked what was going on. They claimed I had entered an incorrect banking account number ( which was not true ), so they could leverage a " Bad Check Reversal '' fee. I later checked the auto-payment summary on their website and the account information was correct. After a lengthy phone conversation with them, they managed to rectify the fee. However, in an attempt to avoid future issues with them holding my banking information hostage and intentionally fudging account numbers and charging me late fees and surcharges, I set-up monthly auto-payment through my banking institution. When the payment processed for XX/XX/XXXX, I went on to their website to ensure the payment went through correctly and saw that they charged me a non-descriptive {$20.00} fee that they took out of my additional principle payment. I received no notification from Loancare that they were leveraging a fee on my payment ( not even on the payment confirmation email they sent me on the payment date ). I also identified that they have the wrong home owners ' insurance carrier listed on my online account, so I do n't even know if they 're actually paying my insurance premiums through escrow. I have tried to call their customer service line 10 times in the past 2 hours and I just keep getting a busy signal. I have been paying this mortgage for over 3 years and have had no issues at all until Loancare took over the loan servicing. At best this company is a bunch of fee mongers, and at worst they 're crooks who intentionally and strategically nickel and dime people.
Consumer complaint received 2017-03-09
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (FL)

We were unable to honor your request. If you entered your credit card information, we did not charge you. 
Sending us your information To receive your personal credit report by mail, please mail us this letter ( or the information in it ), along with one copy of a government-issued identification card, such as a driver 's license, state ID card, etc., and one copy of a utility bill, bank or insurance statement, etc. Make sure that each copy is legible, displays your name and current mailing address, and the date of issue ( statement dates must be recent ). We are unable to accept credit card statements, voided checks, lease agreements, magazine subscriptions or postal service forwarding orders as proof. To protect your personal identification information, Experian does not return correspondence sent to us. Send copies of any documents you wish to provide to us and always retain your original documents. 
You may also submit your request and any documents or information you wish to provide to us at www.experian.com/upload. 
If you are purchasing your credit report, enclose your check or money order for {$12.00} plus any applicable tax. 
If you wish to purchase your XXXX ( R ) report provided by Experian, enclose your check or money order for {$7.00} plus any applicable tax. XXXX is owned by XXXX. 

Mail this form, along with payment ( if applicable ) to : Experian XXXX, TX XXXX [ ] Check here for overnight delivery and include an additional {$20.00} overnight processing fee. 
[ ] Check here to authorize delivery of overnight package without obtaining signature. 

Your identification information XXXX XXXX, FL XXXX Social Security number : Date of birth : XXXX Report number : I am requesting : [ ] Free credit report due to declination or adverse action ( enclose a copy of the letter you received notifying you of that adverse action ). 
[ ] Free annual credit report. 
[ ] Free credit report based on my state 's law. 
[ ] To purchase my credit report. 
[ ] To obtain my free report with my promotional code : ( enter code ). 
[ ] Other ( please explain ) [ ] Check here if you are blind or visually impaired within the meaning of the Americans with Disabilities Act and can provide proof upon request, indicating that you are eligible to receive your credit report or score report in an alternate format such as Braille, Large Print or Audio CD. 
[ ] Braille [ ] Large Print [ ] Audio CD Write any comments below
Consumer complaint received 2016-01-05
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CFS2 Inc. (TX)

This debt was part of a business debt and not mine personally. The date the account was delinquent should be XXXX not XXXX and is over 7 years old. This is an attempt by a collection agency to keep the collection in force by changing the open date.
Consumer complaint received 2023-07-23
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: EQUIFAX, INC. (IN)

I have sent numerous dispute letters to all three credit reporting agency and never received a response or documentation stating these items belong to me, on XX/XX/23 i mailed my dispute letter, on XX/XX/23 i sent my XXXX letter with no response, on XX/XX/23 i submitted a complaint, on XX/XX/23 i submitted another dispute with my FTC report and never received a response, i been addressing this issue several times with the credit reporting agency with no results.
Consumer complaint received 2017-03-15
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (MI)

I purchased a vehicle ( XXXX XXXX ) from XXXX XXXX on XXXX/XXXX/XXXX. They arranged financing through GMAC ( I will attempt to attach the Dealer Transaction form ). The automobile was titled in my husband 's name. My husband is now deceased. I am trying to get a lien release on the title from Ally ( a company who apparently bought out GMAC ). They are claiming I owe late fees on he loan ( which was paid off in XXXX of XXXX ). The payments were made via automatic draw from my account for 72 months. At no time did GMAC or Ally notify me that I owed late fees ( which I could not have owed due to the automatic payments ). I have made three calls to Ally - XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX, I insisted I talk with a supervisor to dispute the late fees. I was connected to a man identifying himself as XXXX ( he told me he was a supervisor ). He agreed after our conversation to waive the late fees and said he would fax to me the lien release which I would receive in XXXX hours. He gave me a case number XXXX. 

I called Ally again on XX/XX/XXXX as I had still not received the faxed release. I was transferred to XXXX different people during this call ( over 1/2 hour on the phone ). I was told that there were no supervisors available and they did not know who XXXX was. They continued to insist that I owed late fees. When I asked them why I had never received notice of late fees in a timely manner so that I could dispute them - they said the address they had on file was different than what I was giving them. The last man I talked to said " It is your responsibility to contact us if you move ''. 
I have lived at my current address for 18 years. The correct address is listed on the dealer transaction form. It was an error on their part ( or GMAC 's ) if they have the wrong address. I feel as though they are extorting money from me by withholding the lien release until I pay money that I do not owe. I have asked repeatedly to talk to a manager and was told they do not have any managers available. Please advise me as to what my options are.
Consumer complaint received 2017-05-24
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ERC (SC)

daily calls are rec'vd by  XXXX  ( ERC Collection company ) - they do not speak, they do not identify themselves and they do not hang up I have called them repeatedly to have this stop - but they claim no knowledge of phone calls - this is repeated harassment - my most recent phone call to them was on  XXXX   XXXX   2017  at  XXXX  - I spoke to  XXXX   XXXX  - who  tried  to confirm personal information - which I refused, other than my name and address
Consumer complaint received 2017-05-24
Product: Credit card or prepaid card — Store credit 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. (NM)

Last yea r, Citibank took over Costco ' s  XXXX   XXXX  card. During this time I was away on a trip. Upon my return I could no longer log into  XXXX   Bill Pay an d was told the card was no longer valid. I cut my card up. It to ok Citibank a couple  months to contact me that they had taken over the account. I asked for a statement showing my last balances and payments with COSTCO card since I could no longer access that and always paid bills on line. There was no response. A couple months later I started receiving calls from Citibank to collect the balance due. Well in this day and age of scams you would be stupid to hand your payment over to someone on the phone so I asked for the statement which I was told would be mailed. I clarified my address etc. No statement came. This scenario repeated itself-calls from them, sometimes several in a week, and my request to see a statement. I never got a statement despite the promises. For all I knew it was a scam . 2 we eks ago I got a letter from  XXXX  financial -Citibank had turned over my account for collection. I told the lady what had happened and how I have never received a statement. She was able to get and mail m e one.  I paid what was owed but do n't feel I should be paying late fees etc when Citibank could not or would not produce a statement. The Financial company could not negotiate that, so as a consumer I am just screwed  by Citibanks inco mpetence in the takeover of the Costco  XXXX  cards. I intend to shift any other credit I have with Citibank to another provider. They do not deserve the business.
Consumer complaint received 2016-09-07
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (FL)

A year ago I financed a small purchase ( about {$430.00} ) through XXXX for interest free for XXXX months. I paid the bill every month through auto-pay through my bank account. The payment was due on the XXXX and was sent by the bank without me actually physically sending it. I get a letter recently saying a payment was not made. I call them to figure what was happening and the person says I have been charged interest because payments were received late. Every month for 12 months they have received payment on either the XXXX or XXXX of every month. 

The company is now trying to charge me over {$300.00} in interest and fees. They said it is their policy to charge interest and fees even if it is 24 hours " late '' because that is the contract I signed. This is strong arming the consumer into paying undue interest and late fees. There should be a grace period, and 24 hours or less is a reprehensible act of consumer fraud. This policy should be reviewed and not allowed. I will not pay almost XXXX % of the original charge in interest/fees. I have near perfect credit, and have never heard of a company that does n't give a grace period, especially when every single payment was received monthly and within the date. I have no control over when the bank sends it out on auto-pay, as a matter of fact I believed the payments were due on XX/XX/XXXX. This is predatory lending at its finest, and some protection is needed for the consumer. I will never do business of any kind with Synchrony Bank ( creditor on the account ). I will warn as many people as possible about this predatory lender.
Consumer complaint received 2015-07-29
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL (WV)

I lost my wallet and a WalMart credit card was stolen. Ge bank recognized the charges as fraudulent and the charges on the card would not be reported to the credit agencies or a collections agency. Except XXXX things happened even after he made XXXX months of payments after the letter saying the charges were fraudulent. My wife and I both have contacted ge and they 've told us they would resolve the issues but have n't and refuse to speak to my wife now.b we do n't have time for this and this has kept us from buying a house and car and getting a better job because it 's the only thing on my credit report. This is unacceptable and they need to fix this. I have original letters from them and police reports. I would like my money back I paid for charges o did n't make.
Consumer complaint received 2016-08-26
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: BARCLAYS BANK DELAWARE (ME)

Barclays has surreptitiously re-aged the debt purportedly owed to them. Barclays reported to the credit reporting agencies that payments were made at sporadic dates in XXXX, in an attempt to extend and/or circumvent the Fair Credit Reporting Act requirement that debts older than seven years must be removed. The alleged debts owed and reported are older than seven years. 

On XXXX XXXX, XXXX, I received mail from Barclays about an alleged debt owed. I checked my credit report through XXXX and the debt has been reported as an adverse account. [ Account # XXXX ( Please note : XXXX omitted account 's last XXXX digits for security reasons ] .I sent via certified mail [ Mailed XXXX/XXXX/XXXX ; received XXXX/XXXX/XXXX ] a request to Barclays to provide me with the following : 1. the amount of the debt ; and 2. proof of the last payment made on the account. 

Barclays did not provide me with any of the information requested.
Consumer complaint received 2015-12-22
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL (KY)

I attempted to use my JCPenney credit card on XXXX/XXXX/15 and I was humiliated when my purchase was rejected. I was told to call a XXXX number. I called the XXXX number and I was told my account had been closed for " inactivity ''. I was told I must use my JCPenney card within 6 months or my account would be closed. 
I used my JCPenney card within 5 months without a problem, my account was still open in XXXX 2015 when I used my JCPenney card. 
I attempted to use my JCPenney card again on XXXX XXXX, 2015 and JCPenney had closed my account fraudulently. 
My account should NOT have been closed and this will be reported on my credit report as JCPenney account " closed '' due to inactivity which is NOT true. 
Prior to my account being closed, JCPenney also decreased my credit limit without notification. I was not notified as to why my credit limit had been decreased. 
JCPenney is conducting fraudulent activity to decrease customers credit limit without their knowledge and close their accounts when customers are not aware of their 6 month " inactivity '' rule. I was told I have to reapply for a credit card. 
My JCPENNEY credit card was used within their 6 month " inactivity '' rule my account should NOT have been " CLOSED ''. 
My JCPENNEY account should be re-opened and my information should NOT be reporting on my credit report as " closed '' due to " inactivity '', this is fraudulent information reporting on my credit report and my account was " closed '' fraudulently by JCPenney.
Consumer complaint received 2016-05-13
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC (MI)

I applied for a loan of {$1000.00}. I was advised of {$250.00} in finance charges- I was not aware of the finance charge being charged repeatedly and not applied to the loan. I have now paid {$500.00} and my loan balance is still {$1200.00}. I am not able to see the terms of the loan on the website for verification, I am not able to see the repayment schedule, I have XXXX information, beyond " early payoffs are not penalized! ''
Consumer complaint received 2017-05-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Grant & Weber (CA)

On    XXXX   XXXX   XXXX   this company received a letter requesting validation where I asked themn either provide me with proof of m y liability in the form of a contractual agreement that I agreed to for the debt or delete the item from the credit report. They ignored this request and at the same time verified the account with the credit bureaus as a valid account and continued to report this frivolous account on my credit report. This is a violation of both the FCRA and FDC PA Sec 809