davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-05
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (VA)

I had this account since XX/XX/XXXX when we moved into our home. I opened an 18-month interest-free account for furniture. I received a notice that some of my bills through bill pay were not going through for about 4 of my accounts. I started researching and calling around and noticed that on XXXX, I saw that I was paying interest and was not supposed to per my contract. Then within that same year, I received a letter stating that my account had closed, I called to ask why it would close and I am still making on-time payments on my account. I never got an answer, but they told me to upload all my documents into synchrony account and wait for someone to contact me. When I noticed no one had reached out to answer why the account closed and why have I paid interest on an interest-free 18-month loan, I realized I could no longer get online. By this time, I had always paid more to my accounts and the monthly was {$80.00}. I reached out to the bank and asked why my payments arent being received per the rep statement from Synchrony. I explained that it was autopay through my bank and uploaded it to the system for review. My XXXX payment showed that it was sent but I am waiting for the other party to add it to my account. She also stated that they were electronically sent so they should have had it by now ( XXXX ). Along with these payments of {$80.00}, they always added {$41.00} interest and other fees. Now I can give you all the dates that I can see from my side, but the banker showed they had it but was not added to their account. The company does not answer my calls or messages. Do not forget that they closed my account prematurely as well. So, as I was waiting, trying not to confuse the situation with the back and forth between the two companies, XXXX stated they would send the document and I uploaded it for the second time. I got no answer, so I went ahead and started sending payments that I could see without ordering more paperwork. Please tell me why interest is still on my account, they closed my account prematurely, and my statements all have the amount due over {$80.00}? Also, they had me down for some kind of insurance and they never sent me the check back where I did not ask for that coverage being I have insurance with my job for if I lose a job they would make my payments. Please see below for payments. 

XX/XX/XXXX {$100.00} ( {$35.00} overpayment ) XX/XX/XXXX {$80.00} XX/XX/XXXX {$80.00} XX/XX/XXXX {$80.00} XX/XX/XXXX {$80.00} XX/XX/XXXX {$80.00} XX/XX/XXXX Never was entered XX/XX/XXXX {$80.00} XX/XX/XXXX {$120.00} XX/XX/XXXX {$100.00} XX/XX/XXXX {$200.00} XX/XX/XXXX {$150.00} XX/XX/XXXX {$430.00} XX/XX/XXXX {$130.00}
Consumer complaint received 2020-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (MD)

I am being denied my free annual credit report from Experian and the weekly reports as a result of covid pandemic. I do not have this problem with XXXX or XXXX.
Consumer complaint received 2024-03-05
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: MARINER FINANCE, LLC (TX)

I was approved with an unsecured installment loan from Mariner Finance on XX/XX/XXXX. I've made all payments on time. On XX/XX/XXXX I paid my loan ahead approximately 7 months which made my next payment due XX/XX/XXXX. At that time my payoff amount, per Mariner 's website, was around {$5300.00} However, in XX/XX/XXXX ( 4 months from my paid ahead date ) my credit monitoring service began sending me notification that the outstanding balance of my loan had increased. I was notified my balance increased in by {$100.00} and again in XXXX by {$110.00}. 

I contacted Mariner on XX/XX/XXXX via phone, I spoke with an agent and the agent 's supervisor for an explanation which neither of them were able to provide. I was advised to send a letter of dispute to their office, which I have sent. However, I have not yet received a response from Mariner
Consumer complaint received 2020-05-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Johnson Mark LLC (AZ)

XXXX XXXX offered a settlement ( in writing ) in XXXX 2017, for a credit card debt with them. All payments were made, and on time. After the last payment was made, they apparently wanted to collect the remainder of the debt. They continued to disregard that the settlement agreement was fulfilled, and when I refused to pay any more ( all the while reporting a bad debt and lowering my credit score ), they eventually charged off the debt and sold it to XXXX XXXX. I provided them with documentation of the settlement agreement. The only response I got concerning my documentation was that according to their research, I still owe the debt. They have now forwarded the debt to debt collection lawyers ( Johnson Mark LLC ) of XXXX, Utah, who I assume are now planning to file suit on the matter. They say they same thing, that according to their research, I still owe the debt. At this point, apparently this definitely does need to come before a judge to decide whether a settlement agreement is enough, or that I should pay the balance on the account, even though it was the creditor, XXXX, who didnt fulfill their side of the agreement. And apparently, XXXX XXXX and Johnson Mark also do not think a settlement agreement was sufficient to keep XXXX from demanding the balance of the debt, as now XXXX XXXX is demanding the balance of the debt.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Uplift, Inc (OK)

I noticed an account on my credit report that should not be there. Uplift inc. this is a fraudulent account I asked them to take it off and the company did but later put it back on this was XX/XX/XXXX. XX/XX/XXXX I requested them to take it off and they sent an email stating I need to fill out this info. Also XXXX will not let me dispute this account and when I called them they did not even recognize the account on my report so I have no way to dispute this account with XXXX which is violating my FCRA right to dispute items on my report
Consumer complaint received 2023-04-05
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. (FL)

A month ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXXXXXX 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
Consumer complaint received 2023-04-05
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. (NY)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Exeter Finance, LLC. (NJ)

I have recently reviewed my credit report and noticed unauthorized inquiries on my report. The inquiries are XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I'm in a state of distress, as these unauthorized inquiries have affected my credit score. I'm requesting these inquiries to be removed.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Exeter Finance, LLC. (CA)

In accordance with the Fair Credit Reporting Act the company Exeter Finance Account XXXX has violated my rights, by reporting inaccurate information on my credit report. 


15 U.S.C. 1681 Section 602 A states I have 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 2017-02-25
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A. (AZ)

I paid over $ XXXX on XXXX card and over $ XXXX on another, wiping out all my savings/spending potential to pay back my debt to Citi , but then they added an interest charge to the then current balance that 's been backdated to my now current minimum payments on both cards : XXXX costs {$89.00} and the other probably half that.
Consumer complaint received 2022-11-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (CA)

I have an American Express XXXX card, which has a {$200.00} credit to be used on Amex XXXX. I used this card to book a room on XX/XX/2022, and got a credit ( {$200.00} ) on my account on XX/XX/2022. 

Then I canceled the reservation on XX/XX/2022, so the credit ( {$200.00} ) got reversed. 

And I also booked another room, and got the credit ( {$200.00} ) on XX/XX/2022. Then I canceled this reservation on XX/XX/2022 because of plan change, and this credit got reversed on XX/XX/2022. 

The last time I book a room on XX/XX/2022, this time Amex did not give me the credit, but when I cancel it, Amex charge me {$200.00} for no reason. 

I called Amex and they just transfer my call to multiple their teams ( XXXX team, Dispute team, Amex XXXX team... ), and none of them solve this problem. 

I also chatted with Amex service online, they are not helpful. 

I can not open a dispute on their website because they somehow does not show this option for charges from Amex XXXX. 

I already spent dozens of hours on this case.
Consumer complaint received 2017-03-18
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (AL)

I am in forbearance on my mortgage. I have made the agreed upon payments before the due date and Ocwen has accepted the payments yet they still send default notices which when I call they tell me to ignore the letters. If I ignore the defaults and they foreclose I hace no defense in court. Ocwen has a history of fraud and other sleazy business tactics. They have paid XXXX dollars in settlements. This is more of their scam. I am paying as agreed and they keep threatening me. Their escalation managers are condescending and have no desire to do anything other than read from a script.
Consumer complaint received 2020-05-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

This is the 6th CFPB complaint against the fraudster Select Portfolio Servicing ( SPS ), since XX/XX/2020. The fraudster Select Portfolio Servicing ( SPS ) s real business goal is to fraudulently manufacture foreclosure and this is how the fraudster Select Portfolio Servicing ( SPS ) makes money. The fraudster Select Portfolio Servicing ( SPS ) refused to ( i ) respond to the Qualified Written Request ( QWR ) under RESPA and ( 2 ) mail monthly statement, showing how all my payments are applied ; including that the fraudster Select Portfolio Servicing ( SPS ) cashed the XX/XX/2020 mortgage payment from my bank XXXX XXXX via ACH. This company do not send any statement every month. To-date, I have spent {$4500.00} in legal fees. This fraudster Select Portfolio Servicing ( SPS ) is an extremely corrupt company operating like Racketeer Influenced and Corrupt Organizations Act, based on internet inputs from their customers Select Portfolio Servicing ( SPS ) must provide a written statement to the borrower each billing cycle, which is usually monthly. ( 12 C.F.R. 1026.41 ). SPS 's statement must show : the amount currently due, including how much will be applied to principal, interest, and escrow the total of all payments received since the last statement how prior payments were applied transaction activity partial payment information fees or other charges to the account account information, like the outstanding balance and interest rate contact information for the servicer and housing counselors, and information about delinquencies, if the borrower is behind on payments.
Consumer complaint received 2023-04-05
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. (CA)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus on XX/XX/2023 but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Exeter Finance, LLC. (PA)

Dear Exeter, I am writing to inform you about a concerning matter regarding the loan associated with a 2018 cla XXXX. After conducting thorough investigations, it has come to my attention that the loan used for this lease was obtained fraudulently. 

I have taken immediate steps to address this issue and have reported the fraudulent activity to the appropriate authorities. I understand the seriousness of this situation and assure you that I am cooperating fully with the authorities to rectify the matter. 

As a result of the fraudulent nature of the loan, I am unable to fulfill the terms of the lease agreement. I kindly request your understanding and cooperation in resolving this matter promptly. I am willing to provide any necessary documentation or information to assist in the resolution process. 

Please advise on the next steps we should take to ensure a smooth and fair resolution for all parties involved. I am committed to working closely with your team to mitigate any potential impact and reach a satisfactory outcome. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Transunion, XXXX, and XXXX is reporting incorrect information onto my consumer report. My name is listed incorrectly and the addresses that are listed are incorrect. My name is XXXX XXXX this is the only name that should be listed and this is the correct spelling anything else is incorrect. My address is XXXX XXXX XXXX XXXX, XXXX  XXXX there should be no other address listed on my consumer report. 

Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-05
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. (FL)

I've found that my credit report has erroneous information and affecting my credit. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : 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
Consumer complaint received 2024-04-13
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (WV)

I received a letter from this company saying that they closed my two credit cards accounts because the payments for these accounts wasnt being processed by my financial institution that was in XX/XX/year>! I was only contacted by mail once by them stating my accounts were closed for nonpayment!! No phone calls never made by them to me to see what the problem was!! I had to check with my financial institution to see what was going after the letter came into my mail box and found out that my financial institution update changed my account number so the payments wasnt processed because of bad numbers!! I contacted the company in XX/XX/XXXX and they was rude to me then after asking for a supervisor and then hang up on me. I called the company back on XXXX XXXX and I was contacted to the fraud department to a lady name XXXX number XXXX she told me to bring up my payments on both of my accounts and they would reopen the account after the payment was processed and I had to call them back and I greed to this I made payments on the XX/XX/XXXX and a payment XXXX of XXXX and I called them back on the XXXX of XX/XX/year> to have them reopen!! Then I was pasted around to three people and the last one was a supervisor and she told me that the accounts are permanently closed and that they will not reopen the accounts at all and I requested her to write these accounts off or reopen them and I would pay them off if they wouldnt reopen them I wouldnt pay another payment to them to write them off and she became very angry and tried to blame me for something that I didnt have any control of!!
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Transunion is inaccurately reporting information on my Credit Report ( 15 USC 1681 ) A CD, XXXX XXXX, is being reported while the IRS Publication says income is NOT to be reported.

I have Expressed to these parties i wish to opt out of sharing my private information per 15 USC 6508 and the Privacy Act of 1974 15 USC 1666b - Timing of Payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Account Agreement The contract governing yo
ur open-end credit account, it provides information on changes that may occur to the account.

Application Under the Equal Credit Opportunity Act ( ECOA ), an oral or written request for an extension of credit that is made in accordance with the procedures established by a creditor for the type of credit requested. See related questions about Loan Application Denials.
Consumer complaint received 2023-04-03
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. (DE)

I noticed there was a late payment reporting on my credit report, and under 15 USC code 1681a definition and rules of construction ( 2 ) exclusions : the term credit report does not include ( i ) : report containing information solely as to transactions or experiences between me the consumer and the person making the report. I also recieved an alert on my credit monitoring service that XXXX XXXX fixed the error and updated everything to current, so there should be no late payment reporting at all.
Consumer complaint received 2020-05-18
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: BMW Financial Services NA, LLC (CT)

BMWF has been calling repeatedly despite a payment arrangement or intentions thereof made with a rep on or around XX/XX/XXXX, I believe. The rep spoke with may or may not have noted my intentions/promise to pay which includes a payment in the amount of {$1000.00} via bill pay with my bank, XXXX. In addition to this, a recurring payment is set to come out also on the XXXX of every month. The account is past due for the month of XXXX, payment in XX/XX/XXXX will cover it and recurring payment on same date will cover XXXX as well..