davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-07
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (CA)

I have a Synchrony Care Credit Card. I had an existing balance of XXXX dollars that is charged interest until paid off at XXXX dollars per month. I have paid extra before a new charge of XXXX at no interest for 6 months. This is illegal and I have spent day waiting for higher up Synchrony Managers that told me the Synchrony Employees were wrong that I was correct. I can pay my regular XXXX dollar payment and XXXX toward no interest. First, I was told by lower XXXX to call each month and spend hours on hold after I make payment to get it reapplied or do it in 6 months and I said no I am XXXX this is unacceptable they refused other payment process as well just so that I can be cheated and never received the 6 month promotion of XXXX They told me pay XXXX for 6 months if you want and XXXX regular. They are not equipped to handle the promotion they offer. I want this fixed. I was charged XXXX dollars interest as part of this illegal scam. They are now saying they have no way to fix this even though the low manger said they would but higher manager said they must apply payment in excess of XXXX regular payment toward no interest. The do not understand my middle name is XXXX. That my full legal name is XXXX XXXX XXXX and when I say my name is XXXX XXXX they ask if I go by another name. I said you use my middle name but people say first and last name. This is my full legal name. The manager in XXXX told me he has no means of fixing this while telling me to call after making payment not when tryign to make payment or other means. This is nothing but a fraud scam. This is severe consumer fraud.
Consumer complaint received 2021-10-02
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: Experian Information Solutions Inc. (FL)

On XX/XX/XXXX, XXXX I sent a " Request for Investigation '' form to XXXX to have 2 companies removed from my report. The first was XXXX XXXX whom was the subject of a lawsuit in which the were found at fault. 
The second was a collection company who had bought a debt from a company I had never had any dealing or knowledge of. 
XXXX did not do any investigation into either account and just sent me a reply on XX/XX/2021 that both accounts were verified and updated. So both accounts are still on my report.
Consumer complaint received 2022-06-09
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

The sell price for my house went from $ XXXX to $ XXXX just before close. We ended up paying taxes on the $ XXXX amount hence the overpayment. 
The bank was aware of this yet i had to call and request the overpayment. The CSR started that they wait 30 days before they disburse ... which i stated was already beyond 30 days. She took my address information and it was my understanding that a check in the correct amount would be sent to the address i just gave to her. I check on mail periodically that still goes to the house i just sold and a check was there even though I gave the CSR my new mailing address. 
The check was for {$3800.00}. There was no backup or breakdown as to how they even came to this amount. I sent them a copy of the Settlement Statement showing the amount should have been {$4500.00}. I emailed the payoff department on XX/XX/2022 informing them of the difference in payoff amount of {$710.00}. I tried to call to check on the status of my concern with no luck. The phone app didn't seem to work. I enter the information the app requested and although it's correct the app didn't recognize it and drops your call... very frustrating. 
I will attach a copy off the check they sent, the Settlement Statement they should have used to disburse and copy of the email sent.
Consumer complaint received 2022-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

In accordance with the Fair Credit Reporting act XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX XXXX. XXXX Account Number : 5XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021 XXXX. XXXX XXXX Date of inquiry : XX/XX/2021 XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021 XXXX. XXXX XXXX XXXX Date of inquiry : XX/XX/2021 XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2021 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Credit Reporting act XXXX XXXX Bank Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
Consumer complaint received 2023-08-04
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: Zions Debt Holdings (LA)

In XX/XX/XXXX, I was alerted to a new collection account being reported on my credit report. Upon further investigation, I was able to confirm that the alleged debt had passed the 7 year limitation, per the Fair Debt Collection Practices Act. It was first purchased, from the original company XXXX, by a collection agency by the name of XXXX XXXX XXXX. After the 7 year deadline had passed, this collection dropped off of my credit report. It later reappeared, being reported by a new company by the name Zion 's Debt Holdings, that must have purchased the debt from XXXX XXXX XXXX and was attempting to re-age the debt. I disputed the collection with XXXX, the only credit bureau that had this listed on my report. They completed an investigation, and instead of denying it outright, they " updated '' it by adding more erroneous information. I once again disputed it, with the same result. I provided them with documents showing a past credit report listing XXXX XXXX XXXX as the previous debt collection agency reporting this debt, which I will attach to this letter. I also sent a letter directly to Zion 's Debt Holdings, requesting validation. They sent me back the original contract signed with XXXX  in XXXX, and a note written by XXXX, making the fraudulent claim that they had sold the debt to Zion 's Debt Holdings, when in fact, the company they sold the debt to was XXXX XXXX XXXX. So, to recap, this debt is older than 7 years, and by law, is required to come off of my credit report, but is being fraudulently re-aged.
Consumer complaint received 2022-04-11
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: Bliksum, LLC (CA)

I have previously requested that an item on my credit report listed under LoanMe be investigated. In my CFPB Complaint ID # XXXX submitted XX/XX/2022, I stated that I had not received a response from your company with the results of my investigation requesting to verify the accuracy of this account. 

Your response to me was dated XX/XX/2022 and you stated : -Per your previous request to conduct a reinvestigation, we contacted the data furnisher and asked them to verify the accuracy of the information with which you disagree. 

-If you question the results of our dispute process, you may also contact the furnisher of information directly. 

I did as you told me, and I submitted a complaint to LoanMe on XX/XX/2022 CFPB Complaint ID # XXXX. In their response, LoanMe stated that any further questions or concerns regarding the loan should be referred to XXXX XXXX XXXX XXXX. 

I then filed a complaint against XXXX XXXX XXXX XXXX on XX/XX/2022 CFPB Complaint ID # XXXX and XXXX XXXX XXXX XXXX stated they have not reported any trade line with any bureau pertaining to the complainant and encouraged me to resolve the matter directly with the Credit Bureau and the Financial Institution that has " allegedly '' filed the trade line.
Consumer complaint received 2022-10-23
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: GOLDMAN SACHS BANK USA (TX)

Good morning, I have loan with Goldman Sachs Bank about XXXX towards credit card. I did make several payments, during COVID. Due to covid hardship Golden Sachs turned my case to Lawyer XXXX XXXX XXXX, XXXX. XXXX filed my case into District court. While court is handling case lawyer XXXX & XXXX kept bullying, lies and has been harassing me which affects my job and health. I have been XXXX XXXX XXXX and XXXX XXXX. Due to covid hard ship, being as a single mother this is placed additional stress on me. I tried to make financial arrangements with Gold Sachs, but they refused. I made payments towards my loan prior ; they did not even count those/ mentioned. Lawyer have been harassing me since XX/XX/2022. I am willing to provide all document which I received from Lawyer.
Consumer complaint received 2022-04-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (OH)

Dear JPMorgan Chase, I, XXXX XXXX XXXX, the consumer and natural person, was bank relationship and closure by JPMorgan Chase when I applied payment. 

Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S. Code 1691c and is pursuant to civil liability under 15 U.S. Code 1692k.

You are subject to criminal liability for violating 15 U.S. Code 1691 as I have proof that I was discriminated against by JPMorgan Chase due to the response I received.

JPMorgan Chase is in violation of 15 U.S. Code 1642, 15 U.S. Code 1681m, and 12 CFR 1002 because I, the consumer, made an application in good faith, but credit was not issued and the accounts were closed.

Furthermore, because my social security number ( credit card ) pursuant to 15 U.S. Code 1602 ( i ) was used and I received NO benefit ; this is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of JPMorgan Chase.

If JPMorgan Chase fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card I will indeed make JPMorgan Chase, criminally and civilly liable for all actual damages pursuant to 15 U.S. Code 1681n and 15 U.S. Code 1681o. I will also follow up with an invoice for said violations. 

I am XXXX years old and a single dad to a XXXX-year-old XXXXXXXX XXXX I own numerous different XXXX XXXX XXXX XXXX and combined the assets are in excess of XXXX XXXX dollars and eventually have a XXXX XXXX relationship. I write this letter in hopes of joining J.P. Morgan XXXX Banking where the minimum requirements are assets of XXXX XXXX. 

Thank you, XXXX : XXXX XXXX Beneficiary Without Prejudice, All Natural Inalienable Rights Reserved.
Consumer complaint received 2022-04-12
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NC)

On XX/XX/XXXX. 2022 - I would like to file a claim of discrimination. The organization received my personal information and acted as if they were a fair and non discriminatory program. However, after immediately applying I was ignored, made vulnerable and denied assistance while my white non disable peers were fully awarded and with ease! 

North Carolina XXXX XXXX XXXX leaders are giving payouts to friends, family and those near them while overlooking others. 

There are claims that investors are being made aware of delinquent owners waiting for them to default to make profits : ( its a cold world
Consumer complaint received 2021-06-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Arcadia Holdings, LLC (PA)

This 3rd party Collection agency has Medical Statements that violate the HIPPA Policy which are my medical records. This is a Violation to my rights and my privacy with the hospital. I never agreed to sign for a 3rd party collection company to have my personal medical records.
Consumer complaint received 2022-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I have submitted my disputes to the 3 major credit bureaus but there has been no proof of complete, timely and accurate reporting according to E-Oscar and Metro 2 Compliance. Data Furnisher is in Violation of FCBA 15 US Code SS 1666 and the FCRA. I was never notified about these inaccurate reporting accounts on my credit report. Data furnisher is in violation for not doing an investigation and not responding to billing disputes as well as requiring prompt crediting of refunds.
Consumer complaint received 2022-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

I have contacted the credit reporting agencies, Equifax, XXXX, and XXXX. I have either been met with resistance or received no response. I believe that my requests for correction and investigation are reasonable and should be complied with. Due to them not reaching out with any actual communication, I have to submit this complaint. I've been working on this for the past year and no real response. Then Equifax ruined my credit with their glitch and has since dropped my score even further without a response or reason.
Consumer complaint received 2018-05-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

I sold a beautiful purse and used Paypal for invoice. My XXXX transaction, the purse has no crack : https : XXXX? XXXX % XXXX % XXXX & XXXX Here is my description : Beautiful Authentic Preloved XXXX XXXX Mini Speedy with dust bag included - {$390.00} ( firm ) includes Paypal invoice and shipping Click here for more postings : # XXXXGreat used condition.Normal signs of wear such as discoloration of leather ( vanchetta developed beautiful even honey patina, wrinkles, and some scratches and marks that blends in the color of the vanchetta. Some hardware discoloration.Interior is clean.Pipings are intact.No rips, tears, or cracks. No perfume, smoke, foul smell or odor. Please understand that this won't smell brand new and sense of smell varies from person to person.Made in XXXX. Date code : XXXX ( XX/XX/1996 XXXX Measurement : W : 6.3 '', H : 3.9 '', D : 2.8 '' Handle : 8.7 '' Please see all photos before buying it. 

When the buyer received my purse, she claimed that it has a crack. She ruined my purse to get refund 100 %. Paypal did not listen to the seller, Me. I sent them photos and they sided the buyer, who is a scammer. Now, I have damaged purse and Paypal refunded the buyer who destroyed my purse. I have known many sellers that are scammed because Paypal allowed it and not protecting the Seller. There is NO sellers protection in Paypal.
Consumer complaint received 2022-07-29
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: Experian Information Solutions Inc. (SC)

I have been reviewing the FCRA rules for the past couple of months and sending letters in with no results. 

XXXX  XXXX XXXX Delete this account because the date last active is reporting 2 different dates. XXXX date last active states XX/XX/XXXX. Experian date last active states XX/XX/XXXX. This information has been wrong for a few months now. 

XXXX  XXXX Delete this account because the date last active is reporting 3 different dates. XXXX date last active states XX/XX/XXXX. Experian date last active states XX/XX/XXXX. XXXX date last active states XX/XX/XXXX. This information has been wrong for a few months now. 

XXXX XXXX XXXX XXXX XXXX Delete this account because the date last active is reporting 3 different dates/comment. XXXX date last active states XX/XX/XXXX. Experian date last active states N/A. XXXX date last active states N/A. This information has been wrong for a few months now. 


XXXX XXXX XXXX Delete this account because the date last active is reporting 3 different dates. XXXX date last active states XX/XX/XXXX. Experian date last active states XX/XX/XXXX. XXXX date last active states N/A. This information has been wrong for a few months now. 

I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report. 

In regards to the Fair Credit Reporting Act law, 15 U.S.C. Sec. 1681i ( a ), these accounts must be deleted. I want these accounts deleted since they are not 100 percent accurate.
Consumer complaint received 2018-05-15
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: CHECK INTO CASH INC. (CA)

I have been waiting for my title pink slip to be returned to me long ago after I paid the loan off, as a Disabled Veteran and elderly person the company had no idea where it is? 

The Calif. DMV said that the company has a history of failing to return title loans after they are paid off.
Consumer complaint received 2018-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF THE WEST (CA)

On XX/XX/17 my credit was ran and I am now showing a hard inquiry on my credit report from this creditor. I did not authorize the creditor to run my credit and I d not have an account with them.
Consumer complaint received 2018-05-15
Product: Student loan — Private student loan
Issue: Getting a loan — Qualified for a better loan than the one offered
Company: AES/PHEAA (NJ)

In XXXX-XXXX of 2017 I was unable to make payments due to being out of work. I was not receiving any income due to a medical leave of absence. I am up to date with all payments and made back payments as well. Please consider removing this from my credit score as I was unable to control hospitalization. I am now trying to purchase a home and due to my low credit score, I am being denied the loan amount needed.
Consumer complaint received 2022-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

I recently applied for credit and was denied, upon receiving a copy of my report I found the following errors. I contacted each bureau and received no response at all which makes my situation even harder because I need to move forward with things including my credit and if this is not fixed I will continuously be denied! 
1. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, IL XXXX. 

2. The following personal information is incorrect Account XXXX : Employers : XXXX XXXX 3. 15 U.S Code 1605 ( a ) XXXX XXXX XXXX Account Number : XXXX There are finance charges that are the sum of all payments. There should be no late payments on this account, especially between the year of XXXX through XXXX. They also have a repossession for this account that is not accurate at all that needs to be removed I have never lost possession of my vehicle, it is outside my house as I Type. 

4. Under 15 USC 1666B this is a billing error. This always paid as agreed ON TIME. This is an error. 
XXXX XXXX XXXX  Account Number : XXXX Remove these inaccurate reported late payments. 

5. Under 15 US Code 1681a ( 3 ) this medical collection is in violation and cant be on my credit. 
XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report.
Consumer complaint received 2022-04-25
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: Experian Information Solutions Inc. (AZ)

In accordance with the ( FCRA ) Fair Credit Reporting Act, XXXX XXXX XXXX AZ XXXX has violated my rights. 

15 U.S.C. 1681 Section 602 ( a ) States I have the right to privacy.

15 U.S.C. 1681 Section 604 ( a ) Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.