davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (NY)

After a complaint with Experian that the CFPB was involved with ( Case number : XXXX ), I sent Experian a letter requesting that a personal statement be added to my file ( see attached ). Later they returned the results with my personal statement that they modified to benefit themselves ( see attachment XXXX ). They changed " incorrectly '' to " correctly '' which completely changes the tone of the statement. In my opinion they did this purposefully which I feel is fraudulent and is affecting my credit. Can you please wield the power of government, get them to change the statement and put a leash on these characters! 
Thank you!
Consumer complaint received 2015-06-17
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: M.A.R.S., Inc. (TX)

Mars INC. Representiave contacted my Aunt XXXX XXXX on XXXX XXXX 2015 and by voice mail informed her that XXXX would be meeting me to discuss my debt with them. On XXXX XXXX 2015 My Aunt was contacted by the same person again, again another voice mail was left asking if she had gotten in contact with me and for her to call me to call her. I contacted MARS INC at my earliest convience which was three hours later due to the fact that i currently am an active duty soldier XXXX. When i Finally got through to the company i was verbally assualted and told i was breaking the law by not paying my bill. i told XXXX that i have done some research on the consumer protection act and it states that you XXXX can not call the same family members more than XXXX and XXXX you can not leave voicemails telling family members to get in touch with debt collectors and she had such broken XXXX rules. She told me this was not true and she could " call anyone she wanted '' to try and get a hold of me.
Consumer complaint received 2017-01-25
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: SYNCHRONY FINANCIAL (AZ)

I opened an ( online ) Synchrony bank savings account and Synchrony proceeded to mail letters with my FULL SOCIAL SECURITY NUMBER, obviously along with my full name and address. My birth date may have even been on the letter as well. After contacting Synchrony to file my complaint, they indicated that they had sent out several other letters with my full social on it. I only received the XXXX letter with my social and am extremely concerned the other letters with my social were intercepted. I would n't be so upset if it was only the last XXXX of my social. But the full social is ridiculous.
Consumer complaint received 2017-02-11
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SYNCHRONY FINANCIAL (CA)

I made a payment on XX/XX/XXXX. They have not credited my account in such a way that I can use the card. I made a {$570.00} payment on XX/XX/XXXX. Synchrony Bank /Paypal Master Card has acknowledged they received the payment however are not allowing me to use the credit because they say there is an investigation into this payment. I spoke to a representative on XX/XX/XXXX who told me it was an " investigation '' but would not give me any details. He told me it would be released in two days. After two days I contacted a supervisor who told me it would be released today XX/XX/XXXX. That has not happened. My issue is simply after making 11 months of payment I do not understand why they would investigage this payment. I have enjoyed 11 months of receiving NEXT DAY credit for my payment until without warning Synchrony Bank / Paypal Master Card changes the policy.
Consumer complaint received 2016-10-19
Product: Credit card — 
Issue: Rewards — 
Company: BARCLAYS BANK DELAWARE (CO)

When I first got my credit card I was told that if I spent a certain amount of money that I would receive air miles, but I never received them. I called the credit card company 7 months after opening the account and spending the certain amount of money ( within 90 days ) so that I could ask how much it would be every month to pay off my balance within the next 9-12 months. The credit card company referred me to their approved credit counseling services, which I still have to call but I am not wanting to after this experience. As soon as I asked the representative about my miles she looked into my account and told me that I had to contact XXXX. She kept me on hold and then transferred me where I waited on hold yet again for probably 15-20 minutes. Upon reaching XXXX I was told by the representative at XXXX that Barclay had to upload the miles in order for me to use them? It did not make sense because the Barclay representative told me that XXXX had to load them. I again waited on hold for 20-25 minutes and talking to the XXXX robot entering my sensitive information while the XXXX rep was on three way with me. Upon reaching Barclay I was informed by the second representative that a case had been filed. The frontier rep asked Barclay how long it would take to upload the miles and the Barclay rep said it would be uploaded after two billing cycles? Funny how they do n't tell you to call to get your miles uploaded and yet they also play this transfer of calls with their customers. The Barclay rep could have told me the info on the first call. I 'm paying this card off, using my miles and not using this card again.
Consumer complaint received 2017-01-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (GA)

My compliant is that the credit bureaus are not properly verifying my disputes. I contacted both XXXX and Experian about the credit inquires that 's on my credit report. I advice them both that the inquiries not associated with my accounts was not properly verified by me and I want them removed NOW. I have spoken with many different representative at both companies. I asked to speak with someone in special handling in the US and they are still giving me the run around. Keeping me on hold for long periods of time. These inquiries are not mines, I did not allow those companies to run my credit at any time. I 'm asking that XXXX and Experian be placed under an investigation. Transunion are the only ones working to help me remove these errors place on the account. XXXX and Experian please remove inquiries not associated to my account. This error is taking a big hit on my account.
Consumer complaint received 2015-05-15
Product: Credit card — 
Issue: Convenience checks — 
Company: BARCLAYS BANK DELAWARE (GA)

I recently wrote convenience check from my Barclay credit card and it posted on XXXX/XXXX/XXXX for {$1400.00} for my standard APR. Three days later on XXXX/XXXX/XXXX I receive more checks with a promotional APR of 3.99 % through XXXX of XXXX. I called in and asked if the promo rate could be applied to my {$1400.00} transaction and I was told no. Prior to writing my check I called in to determine the cash limit on the card and the representative did not inform me that any promo rates were available or checks were on the way. I work for a major credit card issuer and understand how long it takes for items to process and mail out. There is no way this was not available to that representative. Not only is it completely ridiculous that a transaction that posted 3 days early can not be switched over it 's downright insulting and deceptive to mail these promo checks after I 've just written one for my standard APR. I only asked the company to have the promo APR applied to the one transaction, nothing more, and both request I made were denied. Had the first rep I spoke to informed me these checks were on the way, I would have waited 3 days and used them instead. The difference in monthly interest charges is going to cost me ~ $ XXXX {$250.00} a month ever month until next XXXX.
Consumer complaint received 2016-11-15
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: SYNCHRONY FINANCIAL (LA)

Carecredit.com opened a credit card account in my name without my consent or my application for such an account. I received a credit card in the mail and I promptly called the customer service number and closed the account. I was told they would send a letter confirming the closure.
Consumer complaint received 2016-08-02
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: SYNCHRONY FINANCIAL (CA)

XXXX XXXX 2016 Consumer Financial Protection Bureau - CFPB Let 's start with : " Usury is the act of lending money at an interest rate that is considered unreasonably high or that is higher than the rate permitted by California law [ and U.S. Law ]. '' My complaint : This is in regard to my credit account CareCredit of which all payments were made to Synchrony Financial ; also, there was never a late payment. 
According to their most recent statement my 2016 totals of the years to date are as follows : Total Fees charges in 2016 {$0.00} Total Interest Charges in 2016 {$220.00} Total Interest Paid in 2016 {$810.00} No new charges have been applied to this account in over a year. Further, please note that I opened this account approximately two years ago with no interest paid during the promotional period to open the account. If not paid in full within the first year, the interest rate is now applied to the overall balance in the second year, thus, combining the XXXX balances creating the interest so stated ( {$810.00} ). I was never informed of the 'combination ' creating that interest in dollars and cents. Had I, my decision knowing what the interest and payments would be would have definitely changed my position regarding the continued relationship with CareCredit. 

I have no problem with the arrangements during the promotional year and no problem with the interest added after the first year. It is combining the interest from the first year and adding it in thereafter, thus, the total interest amount that I am paying of which I base the term -- usury. 

XXXX XXXX, XXXX XXXX, XXXX XXXX, et al do not go back and charge the first year interest free if the balance is not paid. Again, I would have opened an account with a lending institution had I known they were going to charge me {$810.00} plus in interest cost for such a short time. 

The dentist office called in the information for me and then I was approved. When I signed the agreement, I had just had a root canal so the part that supposedly stated all has to be paid in full or you will pay over 50 % interest was not clear ; nonetheless, this should not be allowed. 

In addition, when XXXX XXXX took over the balance, they sent me a bill for {$32.00}. 

Sincerely,
Consumer complaint received 2021-11-26
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. (TX)

CREDIT BUREAUS ARE IN THEIR VIOLATION OF LAW FOR NOT CONDUCTING AN INVESTIGATION REGARDING ON THE FRAUDULENT AND MISLEADING ACCOUINTS REPORTED FROM MY CREDIT REPORT.
Consumer complaint received 2016-10-11
Product: Credit card — 
Issue: Other — 
Company: U.S. BANCORP (FL)

On XXXX XXXX, 2016 I logged in to XXXX and submitted credit limit increase application. The application did not ask for a social security number and there was no notice whatsoever of a potential credit inquiry ( See attached screen shots ). I have multiple cards from other financial institutions and some require and inquiry ( either hard or soft ) while others do n't. A " soft '' pull does not impact credit score, a " hard '' pull does. Their inquiry was a hard pull. I was under the impression that this process would either need a soft inquiry or none as there was nothing specific in the application. While going through this process with my other credit cards, they all specified what kind of inquiry would be required. 

I previously contacted Elan financial Services and asked them to contact XXXX and have this inquiry removed immediately as it was unauthorized. My request was denied. 

I mentioned it to them that It would be beneficial to your customers and their organization to update the verbiage on the online application so it clearly states that a " hard '' inquiry will be required. Appreciate your attention in this matter. I have exhausted all other options to try and get this addressed. I have called multiple times, contacted transunion and Elan Financial Services in trying to get this resolved.
Consumer complaint received 2016-10-01
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: U.S. BANCORP (IL)

ON XXXX I WAS CHARGE {$14.00} FOR A FREE MOVIE. THE MANAGER STATED THEY DO N'T DO REFUNDS AFTER YOU LEAVE THE ESTABLISHMENT. I HAVE PROVIDED THE DOCUMENT EMAIL. ON XXXX/XXXX/2016 I WAS CHARGE {$21.00} FOR FOOD. XXXX WHO SWIPED THE CARD HANDLE IT INCORRECTLY. THE AMOUNT WAS SUPPOSED TO BE {$18.00}. WHEN I CAME TO THE ESTABLISHMENT. I WAS SUPPOSED TO GET A CREDIT FOR {$21.00} NOT BE CHARGED {$21.00}. ON XXXX/XXXX/2016 MY CARD WAS TYPED IN FOR {$15.00} FROM XXXX. PLEASE NOT I 'M DISPUTING THAT TRANSACTION.
Consumer complaint received 2017-03-13
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX account was paid in full in XX/XX/XXXX, but on experian report i have 30 days late on XX/XX/XXXX, which is not possible to be true because loan was closed and paid in full in XX/XX/XXXX Disputed a few times, but experian said verified, Please see in atachment proof.
Consumer complaint received 2015-12-01
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc. (AZ)

I have been trying to apply for college loans and have been unsuccessful. Upon inquiring about my credit score, I have found XXXX different times when there are large charges under my name from the following companies : XXXX ( XXXX ), XXXX, and XXXX.
Consumer complaint received 2017-01-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (CA)

Multiple wrong address information..on my Experian, XXXX and XXXX credit files XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX../..XXXX XXXX XXXX XXXX, XXXX XXXX../. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX../.. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ../.. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ../.. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ../.. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ../.. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ../.. XXXX XXXX XXXX XXXX, XXXX XXXX ../.. XXXX XXXX XXXX XXXX, XXXX XXXX ../.. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ../.. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ../.. XXXX XXXX XXXX XXXX, XXXX XXXX ../.. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ../.. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ../.. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ../.. 
XXXX XXXX XXXX XXXX, XXXX XXXX ../.. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ../.. 
XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX ../.. XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2016-04-07
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: Experian Information Solutions Inc. (OH)

My complaint is with Experian, XXXX and XXXX about an account on my credit report listed under XXXX XXXX. The bureaus are damaging my character and an overly burdensome task to have this rectified. I have never owned a XXXX vehicle and never made any late payments. I have worked with XXXX XXXX and sent many letters asking them to provide documentation that they are using to confirm the account is mine, and that i had made said late payments. I request this account be removed from my credit report if they can not provide requested proof/documentation. I have rights under the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding their continued willful and negligent noncompliance with my requests. I pray for relief from this overly burdensome mark on my credit. I certify that this said vehicle was never mine and I never made late payments to XXXX XXXX.
Consumer complaint received 2016-05-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (MN)

There are several incorrect addresses in XXXX, where I have never lived, on my credit report related to an identity theft that occurred in XX/XX/XXXX. There was a police report filed, and the financial credit issues have been dealt with by the credit reporting companies, but these addresses persist on my credit reports and are now being reported along with my background check information. I am a teacher, so I have background checks for my job. All XXXX credit reporting agencies are aware of the past identity theft, and have copies of the police report and all other related information. I would like all XXXX addresses removed from my credit report, as I have never lived in XXXX! The person who stole my identity was tracked to XXXX through the postal service. I have resided in XXXX since XX/XX/XXXX, and I lived in XXXX and XXXX before that.
Consumer complaint received 2016-11-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (VA)

On XX/XX/XXXX, I filed a complaint with the XXXX regarding XXXX student loan accounts on my credit report. They stated that there were included in Chapter XXXX bankruptcy on XX/XX/2012 which is clearly incorrect. I never filed Chapter XXXX bankruptcy and on XX/XX/XXXX, I received a response from the XXXX from their XXXX Associate, XXXX XXXX, that he reviewed my credit report and it does in fact show that I do not have a Chapter XXXX bankruptcy on my credit report but yet verified the status of all XXXX accounts stating that they were in fact included in Chapter XXXX bankruptcy. This is a huge red flag and a violation of the Fair Credit Reporting Act.
Consumer complaint received 2016-08-06
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (GA)

I have contacted several companies about unauthorized use of my credit report. I also, contacted Equifax and I was told by the Supervisor that Equifax does not dispute Inquiries and that there is nothing that they can do. All of these inquiries are hard inquiries that will stay on my credit for next two years. Enclosed is a copy of my Equifax entries of inquiries from my credit report with the acronym showing the length of time it will remain on my credit. I am having enough problems as it is trying to get my credit straight. I need help trying to get these inquiries off of my credit.
Consumer complaint received 2016-11-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Focus Holding Company (MS)

On XXXX XXXX, 2016 I called into XXXX home security and made a payment in the amount of {$70.00} they advised because I made a month payment for my home security system that they would continue my contract and service. After making the payment it was agreed that they would accept the balance on my account in the amount of {$190.00}. I never knew they disconnected services and transferred the account to Focus Receivables after receiving payment and agreeing on balance of {$190.00} to be made payable on XXXX XXXX, 2016. I spent more than an hour making arrangements and also making a monthly payment. They took money on false pretense advising that they were going to continue services when they actually discontinued service and sent account to collections after making agreement and receiving money. I am disputing the collection attempt after payment was made and arrangements were also done as agreed. XXXX continues to receive money advising customers that they will do certain things and do not XXXX has a poor customer service making arrangements and taking money when they should assist and stop sending accounts to collections when they has already made payment arrangements with their customers.
Consumer complaint received 2016-08-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (MN)

My XXXX score is lowered due to " Lack of recent installment loan information '' and " Too many accounts with balances ''. The source of the information is reported to be Equifax. With regards to " installment loan information '', the XXXX report says my Equifax credit report shows no recent non-mortgage installment loans or insufficient recent information about your loans. '' I have no loans, so this is what should be reported, and my XXXX score should not be lowered based on incomplete information by Equifax. With regards to " too many accounts with balances '', I have no account balances. I pay my credit card charges at least weekly, and the temporary balance for a day or XXXX is never more than 5 % of the limit on the card and is usually under 1 % of the card limit. My Equifax report contains errors, including data pertaining to individuals other than myself, which I have not been able to get corrected. They may be reporting those individuals ' charges to me. To resolve this, I would like to know what account balances Equifax thinks I have which are being used to lower my XXXX score. Thank you.
Consumer complaint received 2017-02-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (AL)

Equifax previously deleted my XXXX XXXX XXXX deleted and removed this account from my credit report and added it back on to my credit report. I have a snapshot of where I took a picture of this on my credit report of it stating it was removed and went back later to Equifax and saw that they had added it back. Called them the same day and asked them to remove it and they stated " It is still on your report it has not been removed. ''
Consumer complaint received 2017-03-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (TX)

Last year XXXX started reporting some old accounts that I had never been communicated before that I owed. After agreeing that they would delete the trade line from the credit reporting bureaus and that I would pay such amounts ( which I did ), I received some written acknowledgments from this companies that the trade lines would be deleted. It 's been several months, and the accounts are still being reported. I was able to contact XXXX and get the trade line deleted ( after spending hours with them on the phone and sending back and forward letters ). With XXXX and Equifax I have n't been able, as because of my long last name, it 's impossible to correctly fill up their requested fields. I 'm outraged. This has been going on for over a year. If this time this is not resolved, I will sue.
Consumer complaint received 2015-05-19
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (VA)

Every time that I ask Equifax to correct my credit report they send me a letter stating that my identification information " does not match our records ''. Each time I send them proof of identification and proof of current address. Equifax uses this tactic to delay or fail to take corrective action on my credit report. Attached are XXXX letters from Equifax asking for the same information over and over -- XXXX from XX/XX/XXXX and XXXX dated XX/XX/XXXX. Please tell Equifax that they can not engage in this subterfuge to delay correcting my credit report.