davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-01
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL (CA)

I am filing a complaint against CareCredit /Synchrony Bank . In approximately XXXX, I took out a loan for {$9000.00} for XXXX work. CareCredit indicated as long as I made monthly payments on time, there would be no interest charged. I made final payment in XXXX without ever paying interest. 

Due to a XXXX  emergency, I had to take out another loan for {$2600.00} in XX/XX/XXXX. I again made timely monthly payments so far totalling {$500.00}. I was recently notified by CareCredit/Synchrony Bank that unless I pay my bill in full, I will have to pay interest on the full original amount borrowed. I notified Synchrony Bank that my son had been helping me financially but due to Covid-19, he is now unemployed and can not help me at all. I requested a waiver of the interest and received a letter stating, " Unfortunately, we are unable to accommodate the changes requested to your financing promotion because the terms of the promotion were established at the time of the transaction ''. Payments will be difficult for me. I am a retired XXXX-year-old and live on a fixed income. Is there any course of action I can take?
Consumer complaint received 2020-07-01
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: Experian Information Solutions Inc. (CA)

I am a victim of identity thief. My information was exposed in 2017 through equifax data breach. This information has been confirm on their website and the account were never created by me. The account itself fail to display my full name and dosent fully verify any of my information. I sent multiple request through the credit beau to investigate the information and send me any document that will let me identify the account belong to me. Even though the creditor they can not verify any of the information. I would like to see document or paperwork to know how my information was verified not just the person on the phone stating that it was. I recently got evicted from my building because they change ownership and i can not get approve for a new place to live due to the state of my credit. please resolve this matter immediately.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (IL)

Hello, I am XXXX. I have gone to XXXX XXXX XXXX XXXX ( XXXX ) for purchasing a car on finance. The said the will check for the auto loan in XXXX XXXX XXXX. Then the send queries to multiple lenders without informing me. Now it's showing 9 hard queries. 6 of them on the same date. This drastically reduced my credit score to on average XXXX points in the credit buraus. I reached out to XXXX about this. They suggested me to contact here for complaint. It would be very helpful for me if these hard inquiries could be removed from the report.
Consumer complaint received 2020-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: First Federal Credit Control, Inc. (FL)

I get a medical bill for {$1000.00}. Doctor office when I contact XXXX they tell me not. That my balance is {$230.00} after insurance. I send FIRST FED CREDIT CONTROL XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX The information of XXXX. They still want me to pay {$1000.00} to remove this account from my credit report. I tell the I will happy to pay the {$230.00} that I owe. They say no. I dispute thru credit report agencies they say the collection company want all {$1000.00}. I need help.
Consumer complaint received 2024-02-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

In XXXX of XXXX an escrow evaluation of my mortgage account was performed at my request regarding excess funds in my escrow account for taxes. On XX/XX/XXXX, SPS issued letter to me stated I was to be refunded {$4600.00}. No check was issued until XX/XX/XXXX which I did not received. I have sent several emails and phone conversations to SPS there responds check would be issued. Finally on XX/XX/XXXX a check was issued, I deposited it into my bank XXXX XXXX and the check was returned for insufficient funds. I have contacted them and they state another check is to be issued. I have been waiting since XXXX XX/XX/XXXX for a refund of funds and in XX/XX/XXXX the check that is issued is insufficient funds and return by my bank. I have asked for copies of all phone conversations that were recorded during this time period and they have ignored my request.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC. (GA)

Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy to 15 USC 1681b 2. Company has also NO permission to report ANYTHING using my info pursuant to 15USC 1681 4
Consumer complaint received 2024-02-14
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY (TX)

For the life of my mortgage with Wells Fargo my escrow account was always short for the year and my next year payment adjusted for the shortage. This happening every single year even though my taxes and insurance rates did not increase proportionally if at all. The last year I called Wells Fargo I informed them that I had no confidence they could properly manage my escrow account. I requested verbally that I wanted to cancel the escrow account which Wells Fargo stated was not possible. 


My entire mortgage account needs to be reviewed for the escrow account, add on policies that I did not want or ask for and for fee 's paid. It was a horrendous experience with Wells Fargo for XXXX years. The issues with the escrow shortage ultimately lead us to put the house up for sale and ended up short selling. I also have questions surrounding the short sale of the property and if Wells Fargo acted appropriately.
Consumer complaint received 2024-02-14
Product: Credit 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: JPMORGAN CHASE & CO. (NJ)

I made a reservation on XXXX  on XX/XX/year> to stay at XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX Phone : XXXX XXXX XXXX XXXX between XXXX XXXX to XXXX XXXX. 

Due to some urgent issues I only stayed for 2 nights and left on the 3rd morning for XXXX XXXX. I talked to both XXXX and the hotel and they are willing to cancel the reservation for me. I was told my hotel manager that I had to cancel from XXXX but XXXX later told me they had trouble reaching the hotel ( How is this possible, then why is XXXX listing the property? ). 

I opened a dispute in XXXX but the bank silently resolved that some time last year in XXXX.
Consumer complaint received 2020-07-01
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MD)

XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The following personal information is incorrect Account Number : Current Employer : XXXX XXXX XXXX XXXX 2. The following personal information is incorrect Account Number : Previous Employer ( s ) : XXXX XXXX XXXX XXXX. 
3. The following personal information is incorrect Account Number : Addresses : XXXX XXXX XXXX  XXXX XXXX va XXXX 4. The following personal information is incorrect Account Number : Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX md XXXX By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter.
Consumer complaint received 2020-07-01
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (LA)

I've tried numerous times to log into the Loancare 's smartphone app and website. The app continue to give me an error message ( Problem occurred. Please contact customer care ) and the website fails to allow me to log in. This is a frequent problem when attempting to log into their databases. Today is the first of the month so my mortgage is due and I am attempting to pay it. I did not choose this company, my mortgage was sold to them.
Consumer complaint received 2024-02-14
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (RI)

XX/XX/XXXX. Received phone call from person stating they were from Bank of America. They stated they received a request for a credit card in my name, with additional card for my wife. However the name they provided for my wife ( XXXX XXXX ), is not my wife 's name. I told them to cancel the request and they responded they would " Hold '' the request, I replied, " No, don't hold, cancel the request ''. 
The information they gave me was : XXXX card applied for in the amount of {$7800.00} Person applying : XXXX XXXX last XXXX of credit card : XXXX Case number : XXXX Confirmation Number '' XXXX
Consumer complaint received 2024-02-14
Product: Mortgage — Manufactured home loan
Issue: Struggling to pay mortgage — Foreclosure
Company: Shellpoint Partners, LLC (FL)

I bought XXXX XXXX XXXX on it for over 14 years I found out after my wife passed away I still owed almost exactly how much I borrowed when I called them told me it was simple interest i never heard of this.i tried to sell for short sale refused to work with me even though I had pain over $ XXXX on $ XXXX loan. I ended up walking they sold it at private " auctions for $ XXXX put new carpet new " owners sold for $ XXXX now I get a XXXX {$31000.00} not paying debt Also 3 years after it was listed as discharged on credit report sold loan they told me and it has been almost 10 years ago this happened
Consumer complaint received 2024-02-14
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

Yet again an account reporting inaccuracies being allowed to stay on my credit report and damage my score. This account is reporting as charged off, written off and past due at the same while maintaining that I am over the limit and past due for an account that is closed and has been closed as of XX/XX/2022. Also there's a debt collection agency constantly sending text for this same account. How is this possible?
Consumer complaint received 2020-07-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (MD)

My BJ 's Perks Mastercard, managed through Comenity, is illegally applying payments above the minimum payment amount to the oldest balance and not the balance with the highest APR. I had this issue with them in the past and they resolved it, and now I am on the phone with them again because it is happening again. While they may be able to resolve it again, this seems to be a systemic issue they are having and I imagine there are other people this is happening to and it's not just me. They clearly knew the issue last time I saw it was happening and resolved it, only to do it again. I'm submitting a complaint because even if my personal issue is resolved, I believe that other consumers are also being charged interest illegally and they do not seem interested in updating their computer algorithms to applying payments legally ( applying payments above the minimum to the highest interest rate )
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-14
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: EQUIFAX, INC. (VA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-09-01
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: COLLECTION SERVICES OF ATHENS, INC. (GA)

Collection Services of Athens, who I never had a contract with or gave permission to trespass on my estate damaged my credit by trying to have me pay them for an alleged debt owed to XXXX XXXX. To stay in honor and understanding that I'm the true creditor I sent the presentment with an negotiable instrument and affidavit to satisfy the claim with a postal money order by register mail. Collection Services of Athens have received the package and have not responded but yet continues to damage my credit. I'm lead to believe Collection Services of Athens feels they can just hold the mailing and not respond or correct the record ( i.e my credit report ) to make me whole.
Consumer complaint received 2020-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Professional Finance Company, Inc. (FL)

I have submitted several disputes to this company about a medical bill that they have listed on my credit reports. 

I have insurance I have never been notified by the a hospital or this company that there was an outstanding balance! 

I only knew about this company by reviewing my credit reports! 

I submitted a dispute letter to the credit bureaus and the company never sent me any verification that these bills they are updating on my credit file belongs to me. 

I never had any contract or obligations with this company and they are reporting unverified incorrect information to the credit bureaus every month it was just updated on XX/XX/2020 This is really hurting my credit profile during a national pandemic and the company isnt supposed to placed unverified information on someones credit file.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (ME)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-02-14
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: EQUIFAX, INC. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-01
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc. (AL)

After reviewing my credit report and noticing inaccurate information I sent a certified letter to IC System dated XX/XX/20 requesting that the company validate the reported {$360.00} debt. I received a response letter from IC System dated XX/XX/20, advising that they had investigated the information that was provided to the credit bureau and stated that they had been unable to verify the information reported to the credit bureau. Therefore, they had requested that any information provided to the credit bureau regarding the account be deleted or removed. The letter then explained that I may wish to review my credit report to ensure that the information has been properly updated. 

However, the letter then stated that the attempts to verify the debt would continue and gave me 30 days to dispute the validity of the debt. Based on the document that they provided, they have now given me a new account number for the very same debt. I need a resolution to resolve this matter and would like to file an official complaint against the company.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (DC)

XXXX XXXX XXXX XXXX the primary cardholder XXXX XXXX add XXXX XXXX as an authorized user on XX/XX/XXXX. Authorized users was issued their own credit card with their name on it. This was reported on all three major credit bureaus ( XXXX, XXXX and Equifax ). 
On XX/XX/XXXX Account Number XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE you have additional questions about this item please contact : XXXX XXXX XXXX XXXX, as a result my FICO Score drop from XXXX to XXXX this is a pattern with XXXX XXXX XXXX XXXX on XX/XX/XXXX my FICO Score was XXXX drop to XXXX, I contact XXXX XXXX XXXX XXXX on XX/XX/XXXX their response were have the primary cardholder XXXX XXXX to add you again as an authorized user. 
According to 12 CFR 1026.12 Special credit card provisions accepted credit card means any credit card that a cardholder has requested or applied for and received, or has signed, used, or authorized another person to use to obtain credit. I was not treated fair. 
The primary cardholder XXXX XXXX receive no Notification from the card issuer by telephone, or in writing that the authorized user have been deleted from the primary cardholder credit card.
Consumer complaint received 2024-02-14
Product: Credit reporting 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 multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts 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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc. (NJ)

I have a loan with XXXX/XXXX XXXX and GM FINANCIAL. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX and GM FINANCIAL with no successful resolution. XXXX, XXXX, XXXX reporting me late. There was definitely an error on their part. I was never 60 days late ( XX/XX/XXXX, XX/XX/XXXX ) and I was never 90 days late ( XX/XX/XXXX )
Consumer complaint received 2020-05-12
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. (AR)

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts.