davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-18
Product: Credit card — 
Issue: Late fee — 
Company: SYNCHRONY FINANCIAL (TX)

Synchrony Bank did not honor its commitment to issue credit for a ONE_DAY late fee of {$25.00} in XXXX 2015. The promised credit was deducted from the payment and Synchrony charged an additional late fee and continues to charge additional late fees. I do not acknowledge the late fees and have tried, in good faith, on several occasions to get Synchrony to credit them off XXXX now {$240.00} XXXX. They refuse to do anything but bully me with their canned responses, incompetent personnel and it 's " my-way-or-no-way '' attitude. 
I have continued to make my regular monthly payment on my Sam 's card and will do so. 
I like to shop at Sam 's, but am denied this experience because Synchrony Bank 's " system '' is designed to strangle trade for their client 's customers!! 
I intend to inform Sam 's Club Investor 's Committee of this situation also. 
I realize to Sam 's and Synchrony this is a very trivial matter, but to me it 's a biggie, morally and economically. 
Any help from the CFPB is deeply appreciated.
Consumer complaint received 2017-01-09
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (FL)

After my original complaint that I did not get credit report after entering all personal information Experian sent me a letter offering report on this url experian.com/viewreport It is a dead link and I still can not access my free credit report Original case # XXXX
Consumer complaint received 2015-07-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (NY)

Please note that below inquiries are duplicates as they refer to the same matter and the reporting is therefore incorrect. One of each the following inquiry must be removed pronto from my credit reports as duplicates inquiries were NOT authorized:1. XXXX. Inquired on XX/XX/XXXX and XX/XX/XXXX. 
2. XXXX. Inquired on XX/XX/XXXX and XX/XX/XXXX. 
3. XXXX XXXX. Inquired on XX/XX/XXXX and XX/XX/XXXX. 
Thanks for taking urgent action and to give priority to this matter as I need to clean my credit report from incorrect information which unduly penalize my status.
Consumer complaint received 2020-04-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP (CA)

i used to have credit line account XXXX with usbank cash flow manager for 7 years. 
at the end of XXXX i decided to cancel my account because of {$150.00} fee .i was told by the bank manager that he will try to wave the charge so i can leave the account open. 
the manager told me that the charged waved so i left the account open.then again at the end of XXXX again i went to the bank to wave the charge and he told me that this charged can not be waved.i just now realized that the manager who was in charge during XXXX lied to me when he said that the account was not charged {$150.00} usbank department of credit lines try to make money out of people not knowing or not aware that they charge by the end of the year,
Consumer complaint received 2015-08-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (OH)

I have been HOUNDED by a XXXX collection agency for more than 6 years now. I disputed the collection with Equifax since they keep holding on to and posting this collection against me! NOBODY SEEMS TO BE LISTENING to the fact that this debt and all others were included in a bankruptcy filing in 2009.
Consumer complaint received 2016-10-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (MD)

Due to difficulty obtaining my Experian credit report, I filed complaint XXXX and received a copy. At the end of the report under social security number an incorrect social security number is list with the last XXXX numbers XXXX. My last XXXX numbers are XXXX so the listed social security number is not mine and should not be discussed in my credit report. During the past two years I have had a mistaken identity issue which is documented in a series of complaints that I recently filed with CFPB. The mistaken social security number gets reported to the credit reporting agencies along with the erroneous information such as collection actions that I have previously documented and had removed. As a result of these complaints, the mistaken identity name and social security number have been removed from my other XXXX credit reports. It needs to be removed from the Experian report.
Consumer complaint received 2015-12-12
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (TX)

This evening ( XXXX/XXXX/15 ) I accessed www.annualcreditreport.com and ordered my annual free credit report from Equifax. But the site displayed only the Credit Summary ( no details on accounts ), and when I clicked the " Save as PDF '' option, the site cut me off with a screen saying " We 're sorry, for your protection we are unable to deliver your Equifax Free Annual Credit Report online. Request by mail. '' I 'm sure if I mail in the request, Equifax will claim they do n't owe me a free report because they " already gave it to me '' by showing the Summary on the screen. I protest this unfair deprivation of file disclosure. I have a right to my whole report. Please insist that Equifax mail my whole report to me immediately at the address in my credit report. Thank you very much.
Consumer complaint received 2016-05-03
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc. (IA)

Experian Credit XXXX - I have ordered my credit report online and had it delivered. I think start a dispute online and it will not allow me to do so. Every phone number listed is automated service and no link to customer service to find out why I can not dispute online. This gives me the only option of ordering thru XXXX Postal Service and that would incur another charge. XXXX has done the same. 
This is borderline fraud activity.
Consumer complaint received 2016-09-23
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (WA)

I opened an XXXX XXXX Business credit card account as a member of an LLC ( XXXX ). I was told they needed my social security number due to the Patriot Act. The LLC became insolvent, and XXXX XXXX called me saying it was a debt I personally owed. After no less than 10 conversations asking them for documentation to support this when I told them I did n't sign for that, they continued to say they would " send what they have '' but instead sent me to collections. They continued to mislead me with their intentions until I was contacted by a collection law firm. I had to hire an attorney, pay court costs, even pay to fly to a court hearing since I no longer lived in the state the account was opened in. My credit was damaged, getting me denied for home rental for my family. The judge agreed with me as they had no documentation, and finally about 18 months later my attorney and the law firm representing XXXX XXXX agreed on a dismissal with no further ability to attempt to collect. I sent all credit bureaus a copy of the order signed by the judge, and XXXX and XXXX removed the account from my personal credit report. Equifax, is still being told that " it 's my debt '' by XXXX XXXX even though it 's dismissed, I was found not responsible, and I never signed anything saying it was my responsibility. It is still damaging my credit. How can they continue to report this with no supporting documentation from XXXX XXXX even though they HAVE documentation from me proving that it should be removed? How can they say " they have no control '' over what they report?
Consumer complaint received 2016-11-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC. (NY)

This is fraud and I put the letter of the law in a certified letter to Debt collector and have been ignored and harassed for the debt, which is inaccurate and wrong to begin with, I would like debt removed and my credit score prefect.
Consumer complaint received 2016-04-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (NY)

There is a default judgment on my Equifax credit report that was vacated by the NY Supreme Court in 2013. Equifax refuses to even let me open a dispute. XXXX removed it from my credit without any issue. It is seriously hurting my ability to get an apartment lease or a job. Please help.
Consumer complaint received 2015-09-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (CA)

Equifax refuses to delete a fully paid and released tax lien from my credit report even with a recorded release and evidence from the XXXX XXXX XXXX recorder with the same information that it has been paid and releases. This is completely inconsistent with the IRS XXXX XXXX XXXX, other reporting agency standards and they are not treating all tax liens consistently amongst all customers. Some people have them deleted and some do n't. All paid and released tax liens must be deleted from credit reports! I have XXXX dispute cases and have contacted them multiple times by letter and telephone and they continue to show this paid and released tax lien on my credit report, although they claim they are reflecting it correctly because it says it has been paid and released, yet they refuse to delete it entirely from my credit report.
Consumer complaint received 2016-08-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ERC (KY)

This was on an account that is over 2 years old. I moved from one place to another. I cancelled my XXXX account and asked them to send me a box to send their equipment back. It took XXXX different boxes to send it back. When I did I got a receipt and kept it. I still have it. This is the second time that I am having to dispute this on my credit report they just keep sending it back to collections. I am very upset about this. I do n't owe them anything. They even said I did n't and sent me back a refund check with there apologies. How does this keep happening?
Consumer complaint received 2015-10-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: SECURITY FINANCE CORP (GA)

On XXXX/XXXX/2015 Security Finance Corporation/XXXX made contact with a XXXX-party regarding my account and left a threatening message. I have asked Security Finance Corporation staff to contact me directly regarding my account. It appears that Security Finance Corporation deliberately released information regarding my account to an unsuspecting family member to embarass me. It seems that Security Finance Corporation is engaging in oppressive and abusive collection practices. This behavior is not legal.
Consumer complaint received 2015-06-22
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (GA)

as usual they are still stateing that I am indeed that woman with the messed up credit. all so they have given me to social security numbers same as before XXXX is mys. the other XXXX belongs to the person who bad credit belongs to .also they Equifax are stil reporting that Iam a full time student and previous jobs that I work at and still saying that the XXXX Bill is mys ..
Consumer complaint received 2016-07-27
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: LoanCare, LLC (TX)

We are attempting to save our home. We have have had some hardships. We are currently being DUAL TRACKED. Which as we know is ILLEGAL. DUAL TRACKING is when the mortgage company is considering a modification and at the same time the house is being foreclosed on. This is so stressful. I do not want to lose my home. I do not know who to deal with. The bankruptcy lawyer or the mortgage company. I need to have the foreclosure sale date moved. Move it, stop it, give me some room to breathe and get my life in order. 

I can not believe that they are doing something that is illegal.
Consumer complaint received 2017-03-09
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: U.S. BANCORP (MO)

THIS COMPANY IS LISTED ON MY CREDIT REPORTS. I HAVE ASKED FOR THIS DEBT TO BE VERIFIED FROM THE ORIGINAL CONTRACT BEARING MY SIGNATURE.PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES I DEMAND VERIFICATION. THIS DEBT IS LISTED AS A COLLECTION ON MY CREDIT REPORT.
Consumer complaint received 2016-10-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (MD)

am requesting the removal of XXXX judgements ( case number XXXX and XXXX ) on my Equifax credit report due to XXXX XXXX, et al. v. Equifax Information Services LLC ( XXXX ). I do not know where these judgements have originally been identified from, and due to this, Equifax has violated the Fair Credit Reporting Act ( FCRA ). Please remove these judgements as soon as possible.
Consumer complaint received 2016-01-17
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: RFNA, LP (MS)

I lost my job so I was unable to make payments on a Republic Finance loan. They obtained a judgment against me and cleared XXXX my bank accounts. They have sent me an offer letter and I have accepted, twice. The first acceptance letter I sent was by regular mail and the second was by certified mail. They have yet to respond to either ; however, they do continue to update my credit report negatively. I just want to settle this debt before damaging my credit further.
Consumer complaint received 2015-07-28
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Dyck-O'Neal, Inc. (FL)

We signed an agreement for the Debt Collector DYCK O NEAL. This is handled through there attorney. We have been making payments and are getting a negative report on our credit report. This is not a loan but a debt related to real estate. We feel this account is not being reported correctly.
Consumer complaint received 2015-04-12
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (SD)

disputing this not possible with equifax first -- - their dispute needs a credit report and not able to get at all and the prove my id says i have credit cards and mortgages but really not -- - living on small XXXX check and have no credit cards and the true answer of none of above gets me just to a mail in form supposed to send copies of driver license and other stuff -- this happens every year with them and think they use other peoples reports to prove my id questions since if use my actual report would be no mortgage or credit cards -- yeah XXXX check of XXXX a month and equifax says i have a mortgage -- think equifax blocks free credit reports just to force people help them collect more data they then sell to any XXXX with a stolen credit card
Consumer complaint received 2015-08-08
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: DISCOVER BANK (NY)

After XXXX payments totaling over {$35000.00} in interest on my Discover private student loan, my principal has only decreased by {$1500.00}. Please help!! They will not work with me.
Consumer complaint received 2017-02-23
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (CA)

I have put in a request for a loan modification from Citibank. My original relationship manager always sent status updates on a weekly basis and if I needed to provide additional documents I was notified in writing. I was assigned a new relationship manager ( XXXX XXXX ) and I have tried repeatedly to get information on my account but to no avail When I call the bank to discuss my request I am told I have to speak only to XXXX. Phone meetings have been set up where she is supposed to call me but she never calls. Consequently it has been very difficult to find out the status of my application for a loan modification
Consumer complaint received 2016-05-12
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO. (TX)

Chase mortgage released my mortgage and deed information to an entity that requested it. An email address that is not mine was provided. after the fact, Chase notified me via email that Chase had released all my mortgage and deed information to this email that was not on recorded. When I called Chase to inform them I had not requested this information be sent they told me it was not their fault because the scammer had provided my identifier information except for the incorrect email address.
Consumer complaint received 2015-06-22
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO. (NY)

Chase mistakenly pulled my credit 3 times during the application process. 
Chase duplicatively pulled my credit on XXXX XXXX, XXXX XXXX and XXXX XXXX. 
The rational they have explained is 1 ) they pulled a hard credit pull twice over two days due to lack of coordination 2 ) they then needed to pull again as they mistakenly thought our joint application was for a married couple, it is not. They have acknowledged these errors. I have notified them of my intent to file a formal complaint.
Consumer complaint received 2015-04-24
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Westlake Services, LLC (CA)

Auto finance company towed my car and repossed it saying I was late on payments. I proved my payments. I called to get my car out of repo yard and finance company would n't release it. They confirm my payments are up to date but still wo n't release my car. I called their supervisor who said by error they auctioned my car. The following day finance company stated they had my car at towing yard and would release it in 24 hours. Two weeks later, I do not know where my car is and I am current and can prove it on my payments. Total negligence.I ca n't get to work and I am out money for a car I paid for that this company possesses. I have documented over XXXX calls to this company to try to find my car. Each representative told me a different stories.
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 — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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Consumer complaint received 2015-07-05
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A. (MI)

I have XXXX citibank credit cards. My simplicity account payment due on XXXX/XXXX/2015 was not made. Citi collection has been calling me every single day from XXXX/XXXX/2015 including XXXX XXXX holiday. I asked the representative if they are allowed to call on holidays. He said yes, I informed him on XXXX separate occasions I requested no phones calls, that all communication was to be done via email or USPS for accuracy purposes and due to the fact I care for my XXXX year old Mother who is very fragile with XXXX, XXXX. However, Citi has refused to honor my request. Further, they have lied to me on every phone call about their right to call me and more disturbing in the abusive and argumentative conversation from a CitiBank Representative on the XXXX XXXX phone call which took place at XXXX. I STRONGLY SUGGEST SOMEONE get a copy of that recording. I do not need that type of argumentative conversation to take place in front of family members and my mother. The call was witnessed by at least XXXX people since I had it on " SPEAKER '' I asked each person to write down what they heard so I had some sort of documentation while information was fresh in their minds. I fully intend to file a lawsuit as I do have a law background. I would hope the CFPB follows up in some assertive way as I also run a Political website ( XXXX ) currently under re-construction so can can handle the heavier than expected traffic. However, from the feedback through XXXX I can tell you this is NOT an isolated issue and I can also inform the CFPB at this point most consumers feel the CFPB is more of a " PONY and HORSE '' show. I continue to be hope-full actual progress is made and the CFPB turns out to be what over XXXX XXXX American consumers hope it will. Update, Citi Bank called XXXX today ( Sunday XXXX ) and its not even noon yet ...