davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-13
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (CA)

XXXX XXXX : {$7000.00} Date Opened : XX/XX/2023 I signed up for an interest-free period of XXXX months when I obtained this credit card, with a credit line of {$7000.00}. Since then, I have consistently made payments above the minimum due every month. My due date falls on the XXXX of each month, and although I typically pay within one to five days assuming a grace period, I have never received any notification or indication during the payment process that late fees would be applied to my account.

Every month, I receive emails reminding me of my bill due date. Upon receiving these emails, I promptly
follow the link to the Syncrony Bank Care Credit Card website and make my payment accordingly. However, at no point during this process am I informed that a {$41.00} late fee would be added to my balance
or deducted from my payment, along with additional interest on these late fees.

Upon reviewing my account activity recently, I was shocked to discover that I have been charged {$41.00} late fees every month since XX/XX/2023, totaling {$490.00}. Additionally, there is an extra {$24.00} in interest on these late fees, bringing the total to {$510.00} for the year. This practice not only feels predatory but also highly deceptive, as it does not align with common business standards or ethical financial practices.

As you will see in my attached documents that where im guided to check out thats exactly how it has looked every month even though they were attaching late fees to the balance. The only way I discovered said late fees was through my activity tab. Additionally the the fees listed YTD on another attachment are falsely listed as only {$170.00} again confirming the deceptive practices Synchrony bank is pulling over on consumers.
Consumer complaint received 2024-05-08
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Summit A*R, Inc. (FL)

XXXX XXXX XXXX still continues to violate my rights by refusing to remove their entry from my consumer file. I do not have an obligation to pay this debt and will not be doing any negotiations or calling to contract with you. You have no business contacting me without prior authorization from the courts. Furthermore you are committing securities fraud by trying to extort me for money knowing the contract that you hold is actually the security being traded hence why it sold to you. You have no authority to collect this debt because you are not apart of the companys bylaws or incorporation.
Consumer complaint received 2022-01-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

TRANSUNION reported an unvalidated item on my consumer report. Under the FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until the debt is validated. You should be made aware that in XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the courts rules that reporting a collection account indeed is considered collection activity. Pursuant to 15 USC 1681b ( a ) In general, Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom in relates. I did not and do not give you permission to furnish this on my report and demand that It be removed. 
TRANSUNION reported a medical item which is in violation of my HIPPA rights. They were not produced with a HIPPA release that releases my medical information to them, nor allowed it to be shared. I am taking this matter extremely seriously, I want this item to be removed immediately. 
I also filled a complaint with Identitytheft.gov reference number:XXXX
Consumer complaint received 2016-02-28
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC. (PA)

Navient is repeatedly contacting my uncle, aunt, cousin, and mother regarding my private loan debt. Per the FDCPA laws, debt collectors may only contact a 3rd party once ( which they have violated because they are calling above-named parties every week ) and they may NOT contact the 3rd party if they know how to reach the holder of the debt ( which they do, because they call me 4 times per day, 7 days per week ).
Consumer complaint received 2022-01-20
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX
Consumer complaint received 2022-07-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: MUFG AMERICAS HOLDINGS CORPORATION (CO)

Union Bank sent me a letter on XX/XX/2019 notifying us of a change of billing address to a XXXXXXXX XXXX  address. It stated " if this address is incorrect, please notify our office immediately at XXXX. '' I called immediately, and many times after that to get the address updated, but they never changed it. I was also unable to access my account online. It went to collections, but I had no way of verifying what of the charges on the account were mind, and no one would assist. Today I spoke with XXXX XXXX today at a collection agency ( XXXX XXXX. ) and tried explaiing this to him, and he stated he had no way of having me pay off the 'last balance ' that I felt I was responsible for before the fraudulent address change, and could only go by what Union Bank had sent to them. When I called Union Bank 1st, they were no help, and directed me to the collection department who then directed me to XXXX XXXX XXXX XXXX XXXX. I also tried to set up a payment plan, but XXXX was rude and condescending and told me the amount I suggested wasn't good enough.
Consumer complaint received 2022-01-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (AZ)

The Credit Bureau is reporting inaccurate information on JEFFERSON CAPITAL SYST. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2019-02-19
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)

We had a series of deaths in our family. This caused some issues paying our bills. I enrolled with XXXX XXXX and let all of my credit card creditors know. They worked out settlments with XXXX ( XXXX XXXX ), XXXX/XXXX  XXXX, XXXX XXXX, XXXX XXXX/XXXX, and XXXX XXXX. They are still in the process of working out a settlement with XXXX XXXX. All of theses accounts ( except XXXX XXXX ) are paid in full according to the agreement ( some are with a legal firm ). In fact once we got caught up I paid the balance of the settlement off early with XXXX XXXX, XXXX XXXX, and XXXX XXXX. Most of these creditors report the accounts incorrectly. For example, most of them are still reporting an " FP '' failed to pay currently even though there is no balance. Most of them are also reporting the status of the account as derogatory or a charge off. Also, they are reporting that I still owe them money and list that amount as past due. I have contested this with each credit bureau ( XXXX XXXX, XXXX, and Equifax ). All have come back saying the information is correct so I can no longer contest online. I have uploaded the settlement agreements to each bureau also but they changed nothing. I have sent them letters in writing with no response. I have also sent letters to XXXX, XXXX, XXXX XXXX, and XXXX. Along with having a full time job we also own an electrical business and are in the process of going for a small business loan. With these inaccuracies it is putting that financing in jeopardy. Credit counseling should be a good thing and if the creditors were more willing you could work out a fair settlement on your own. But when they continue to add multiple fees and interest month it spirals out of control and make it impossible to ever pay back the debt. Attached are a few of the letters I have sent. I can find them all if necessary.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2021-04-29
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PLANET HOME LENDING, LLC (CA)

Start refinance in XX/XX/XXXX. Submitted all proper documentation to lender to start refinancing. Always submitted updated documents on time. I was assigned three different processors since the start of the refinance until present day, XX/XX/XXXX. Never received updates on refinance or notification that my loan a refinance was being handled by a different processor. It was only discovered after numerous phone calls and emailing her escalation department regarding the matter. 

I notified loan officer my my concern at the rate lock expiration date. I was promised of a rate lock extension if the loan did not close in time. Now rates have gone up and no longer qualify for the original rate that was locked in XX/XX/XXXX. 

Now Im getting closing disclosures with different figures from the original closing costs from XX/XX/XXXX. They are being deceitful and theyre closing disclosures regarding the cost and attempting to charge me buydown fees for the rates. 

I have kept all documentation and emails sense initiating a refinance process.
Consumer complaint received 2016-11-13
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I went to the personal finance section of XXXX for a soft Credit check to see if I could possibly qualify for a loan, but I never ask for credit to be check and now I am receiving letter from different company with refusals. which inturn goes on my credit report. my problem is I did ask for this
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (FL)

LexisNexis XXXX XXXX continue to report incorrect information on my consumer file. They are several name variations and addresses that dont belong to me and causing problems with my identity when I apply for credit. My name is XXXX XXXX there should be no other name variations on my consumer report, my only address is any other address is not mine and I do not live there or receive any mailings XXXXXXXX XXXX XXXXXXXX XXXX XXXX FL XXXX. Under Federal law you are required to report accurate information this is a violation of my rights.

( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

XXXX, XXXX, & Equifax continue to report incorrect information on my consumer file. They are several name variations and address that dont belong to me and causing problems with my identity when I apply for credit. My name is XXXX XXXX there should be no other name variations on my consumer report, my only address is any other address is not mine and I do not live there or receive any mailings XXXXXXXX XXXX XXXXXXXX XXXX XXXX FL XXXX. Under Federal law you are required to report accurate information this is a violation of my rights.

( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Consumer complaint received 2024-04-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Transunion XXXX XXXX continue to report incorrect information on my consumer report. The account listed as XXXX XXXX was allegedly validated and verified as belonging to me but neither company provided me with the documents or evidence used to come to this conclusion. I would like the information forwarded to me so I may inspect it for myself and follow up with the company that submitted this information this investigation can not be XXXX sided.
Consumer complaint received 2021-03-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (TX)

I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against XXXX XXXX. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.
Consumer complaint received 2024-05-13
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Continental Finance Company, LLC (FL)

ACCOUNT OPENED WITHOUT MY CONSENT OR KNOWLEDGE ALREADY TRIED TO DISPUTE UNDER CFPB Complaint Complaint ID : XXXX & XXXX PER CONSUMER PROTECTION LAWS THIS ACCOUNT NEEDS TO BE CLOSED AND REMOVED FROM ALL CREDIT AGENCIES. 

I HAVE FILED FTC Report Number : XXXX AND PER THIS REPORT THESE ACCOUNTS NEED TO BE CLOSED ASAP REFLEX AND VERVE
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

1. 15 USC 1681B. Permissible purposes of consumer reports XXXX Account Number : XXXX This account is closed with a paid balance. This is falsely reporting. Please delete as i have taken steps to seek litigation. 
2. 1681n. Civil liability for willful noncompliance XXXX XXXX XXXX  Account Number : XXXX This account is inaccurate, please delete or pay fine of {$1000.00} per violation. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2016-05-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: LJ Ross Associates (FL)

I would like a copy of a contract between me and the creditor sighned personaly, not a copy of any type of a report.but actual contract, and you have thirty days, to respond back or delete.fraudulent accusations, thank you
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Fidelity National Information Services, Inc. (FNIS) (NM)

My formal complaints are against XXXX  XXXX XXXX and ChexSystems. 


In XX/XX/XXXX, I left an abusive marriage. We had first been together in XXXX and married in XXXX. 
A large part of the abuse was financial, as he took control of all financial accounts and limited my access to funds and knowledge of the statuses. 

When leaving the marriage with my XXXX young children, I was ecstatic to be able to go and open my bank account at my previous banker- XXXX  XXXX XXXX. ( XX/XX/XXXX ) However, when I went to do so, I learned of an outstanding balance. Despite limited funds, I resolved the balance with the understanding that this would allow me to open an account. 

However, it did not because my account had been flagged for fraud. 
It was at that point, I was told it would take 90 days for it to be removed from ChexSytems, but that also was not true. 

Over the past XXXX and a half years I have submitted multiple disputes with ChexSystems for the flag preventing me from opening an account be removed. 

XX/XX/XXXX & XXXX of XXXX, it has been disputed again. 

This does not include or limit the amount of phone calls I have made to both chexsytems and XXXX  XXXX XXXX. 

Being bounced from Risk & Fraud to Collections to multiple drop calls. 

The dates of when it would be removed have varied from XXXX, XXXX, the new year of XXXX and now as of XX/XX/XXXX. 

Chexsystems insists they need a letter from XXXX  XXXX XXXX stating it can be removed. 
XXXX XXXX  XXXX insists they can do nothing. 

Both financial institutions have apologized for the " inconvenience '' by the customer service team and supervisors. 

XXXX was another account in which I was notified of, paid and were happy to send a letter to ChexSystems stating it should be removed. 

In these disputes I have provided proof of payment, proof of the divorce decree and evidence of the financial abuse as well as a police report. 

The act of keeping this marked as a fraud, the refusal to acknowledge despite a continuing act of financial abuse from the financial reporting institution ChexSytems and XXXX  XXXX XXXX.
Consumer complaint received 2022-08-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: California Business Bureau, Inc. (CA)

I have sent in numerous of letters an FTC reports to this company regarding this fraudulent account that was opened in my name. This company has completely ignored my request to have this account removed or investigated properly. This account is hindering me from moving forward in my life. This matter needs to be addressed and fixed expeditiously!