davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (OH)

I pay off my Synchrony Bank Verizon Credit Card each month. This month was no different. They are holding part of my payment. Here is what they told me in a chat window : XXXX XXXX Thank you for your time and patience. Upon checking, you made a payment for {$1400.00} on XX/XX/XXXX. It appears that the payment was partially placed on hold. The amount of {$870.00} that was placed on hold is scheduled to be released in 4 days from today. I sincerely apologize for the delay. 

The payment hold may happen for various reasons : Large number of payments made within specific time period. Previous Returned checks. Payments on new accounts. Out of pattern Payments. Amount of Payment ( high payments are generally held to ensure they clear ). Rest assured that once the payment on hold has been released, it will be added to the available credit right away. 
END CHAT So in effect they are holding part of my payment for 8 days. 

I have had NO returned payments, this is not out of pattern, the account is a few months old. The payment cleared on XX/XX/XXXX with my bank. I made XXXX other payments this cycle, but is this a large number of payments? 

Seems like they are taking liberties here that the don't need to take with me. 

More chat text from manager : XXXX XXXX : Thank you for waiting, XXXX. I'm XXXX, one of the managers. I can read through your conversation with my representative, if I may. I'll need a few minutes but you may also describe to me how I can help. 

I see that your recent payment has yet to fully reflect on the account. I understand that the hold is not favorable to you at the current time. I'll see what I can do. However, I don't want to provide any wrong expectations. All payments may be reviewed and may not update the available credit. Though we don't have the specific reason for the hold, based on my observation, it may be for 2 reasons - payment pattern and fairly new account. 
END CHAT
Consumer complaint received 2020-10-10
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MO)

In re : Report Number : XXXX Report Number : XXXX Report Number : XXXX I am filing this complaint because Experian has ignored my request to provide me with the documents their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA, they are required to " ..promptly delete all information which can not be verified. '' Please resolve this matter as soon as possible.
Consumer complaint received 2020-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

XXXX, XXXX  and Experian have been reporting this inaccurate and incomplete account on my credit report since XX/XX/XXXX in violation of the Fair Credit Reporting Act ( FCRA ) even though i have been disputing the errors with each one of  them. from XX/XX/XXXX to XX/XX/XXXX i have a well documented seven months of communication via certified mail with XXXX XXXX and Experian asking them to delete the inaccurate and incomplete account which they fail to do. I was told to provide more proof or they needed more document from me to make sure i was the one or i should contact the original creditor. My time was wasted to no avail. i filed a complaint against XXXX XXXX XXXX XXXX with CFPB about this account XXXX responded and told me that they are not affiliated with the credit reporting agencies and does not determine the information that each credit bureau select to report. and that i had to contact Experian directly to dispute the fraudulent credit reporting. Notice some of the errors and inaccuracies as i also attach copies to this complaint for verification : the high balance on XXXX is {$15000.00} whereas on Experian it is {$0.00}. The Balance as the creditors stated in the letter i attach to this complaint is {$9000.00} but Experian reports {$9000.00} XXXX also reports {$9000.00} and XXXX reports {$9000.00}. The date of item removal on XXXX is XX/XX/XXXX whereas on Experian it is XX/XX/XXXX. The most outrageous and disgusting thing is that Experian has reported two payments of {$410.00} each without the consent of the creditor in XX/XX/XXXX and also in XX/XX/XXXX even though this account is closed and still the account balance did not change in the process. This only goes to prove that the credit reporting agencies can care less for the Fair Credit Reporting Act ( FCRA ) and hurt consumers as they wish.
Consumer complaint received 2021-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Mailed letters to XXXX Transunion, and XXXX  on XX/XX/2021 about these violations, inaccuracies, incorrect, errors, and inconsistent report on my credit profile. According to the FCRA the reports should be 100 % accurate and the accounts on my report are far from 100 % accurate. Also I have not received any letters in the mail about this matter in a timely matter and that is another Violation according to the FCRA. Something needs be done and they need to be held accountable for their actions.
Consumer complaint received 2020-10-13
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 XXXX b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OTHER ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account.
Consumer complaint received 2020-10-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

TransUnion reports a 'Serious Delinquency ' and 'Unknown time ' of the delinquency to entities using their XXXX credit scoring product but my report does not show any derogatory entries, not am I able to locate any information in my report to substantiate these claims. Attempts to contact their customer service group by postal mail or phone to obtain information about this discrepancy have not been fruitful, with either generic form letter responses or agents who are also unable to find any information in my report to explain these 'reason codes. '
Consumer complaint received 2021-02-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

5th attempt to remove this ADDRESS : XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX Account XXXX This item was either updated or deleted. Please review your report for the details. 
Show Details | View your Report | View your credit score Processed + 'icon ' Processed XXXX XXXX XXXX Account XXXX
Consumer complaint received 2020-10-13
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My son is a XXXX individual who can be easily taken advantage of in this case there was numerous forms of fraud committed on his account excess use of his card being used on an XXXX  account which he doesnt have when I found out about the charges I contacted the unemployment development department And Bank of America XXXX card services to file the claim and open up an investigation they provided us with a new card for my son and also put a provisional credit on his card on XX/XX/2020 my son went to use his card and it was declined at the grocery store when we called the card To see why it was being denied we found out by the automated system that his account was negative over {$6000.00} and that was the amount that had been compromised I contacted the claims department and they directed me to contact the unemployment department I did just that however they had nothing to do with that money Bank of America Prepaid card services had reversed the charges after they sent me a letter that they had found the claim to be in my sons favor when I spoke with the representative she in fact stated that they had a right to do that is to my understanding that once there is a decision made they can not change that decision I had called back because I was hung up on was left on hold for three hours To be told that they were going to send this over to the claims escalation department and remove and reverse the charges however the representative I was speaking with was rude and seem short and all of a sudden once again my car got disconnected by the time I called back that department was closed and I had to wait until Monday to try to call back to rectify the situation which I did was on holdFor two hours just to be told that they were going to escalate the issue again and make their decision and I would receive a letter in the mail Im not understanding why they would have to submit another claim to rectify the situation when I already had gotten a letter that they had found it in my sons favor with that being said the money that has been deposited onto his card is also being take him back and he has not been able to pay his rent or bills since XX/XX/2020 I asked him when this situation will be rectified and I was told That I would get a letter in the mail frustrated and upset with the overall situation I gave up I am looking for some assistance to obtain my sons money back considering this is his only source of income during these hard times
Consumer complaint received 2020-10-13
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Nelnet, Inc. (OH)

DEPT OF EDUCATION/NELN Ive never done any business with this company. I never signed a contract with this company. No one has any permission from me saying that I agreed to do business with them either. Therefore, I want this item deleted from my credit report immediately.
Consumer complaint received 2020-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

My issue is with transunion and Equifax 1 Equifax I cant lock my credit file because Equifax says they cant match my account with my personal information. I go though verification every time I log in and its starting to get old especially when Im paying for there services. This has happened on several sites that has Equifax on there apps they need to fix it and you cant reach anyone they dont answer phones or the automatic machine act like they cant under stand anything. 

2 XXXX  they are the worst of them all.. every transunion site I have is horrible I can login and check something and log out and then it tells me my password or user name is wrong when I just logged out and then to reset it you have to wait a day for the system to email you to reset it. Ive called them too many times and can never reach anyone I have 8 numbers for them and its all the same you never get a human. I am a victim of identity and I cant even lock my reports because they say I have to wait until a dispute is completed which has been about a month now. There helping people access my profile by not allowing me to lock my report. Then when someone sues them which Im in the process of doing they wan na act like its not there problem. Im paying for 3 of there sites and there all the same. I cant even cancel my accounts due to me having log in issues if someone can help me just get rid of all my memberships with the credit bureaus would be a big help because Im wasting my money and time trying to keep my identity protected I might aswell post my personal information everywhere online for that matter since there is no protection with these sites and apps.
Consumer complaint received 2021-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

Information on my credit is incorrect and due to the incorrect information my credit score dropped 149 points. The incorrect information is ; there was a Transition of mortgage companies, from XXXX XXXX, Loan number XXXX to XXXX XXXX XXXX, Loan number XXXX. This was never a late payment, just a Transition Account. Will nee to correct XXXX XXXX XXXXXXXX, not as Account closed but as a Account Transition and must not show a not current payment status. Balance was paid in full every month. Contact information ( XXXX ) XXXX. The Accuracy for this account is incorrect, it has incorrect information on my credit report. This effect my payment history/rating making it incorrect. The information in the Remarks field is incorrect. Also, There was an incorrect charge of {$3100.00} added to my XXXX XXXX account, account number XXXX. This incorrect charge also caused my credit score to drop 149 points. This charge should never have been on my credit report, however now that the company has removed the charge from my credit report, my credit score has not recovered to the original +149 points. Contact Information ( XXXX ) XXXX.
Consumer complaint received 2020-10-13
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (WA)

On XX/XX/2020 while reviewing my American Express Serve account online, I noticed a {$420.00} " transaction pending '' transaction. I immediately contacted American Express Serve to inquire about the charge. They informed me that it was for an XXXX   purchase and the payment was processed through XXXX. I informed American Express that I did not order anything from XXXX in the amount of {$420.00} nor did I have a XXXX account. I also informed American Express Serve that I did not recognize the merchant and I did not make nor authorize any such charge to my card. I then instructed them to immediately cancel my card, AND DO NOT PAY THE MERCHANT as I did not make the purchase and there was fraud on my account. They closed my card and reissued me a new card.I checked my account on XX/XX/2020 and noticed that American Express Serve paid the merchant anyway after I instructed them not to. I completed the declaration of Fraud form per their instructions and provided supporting documents from my XXXX  account showing that I had not made any such purchase for {$420.00}. I then received notice that American Express Serve denied my claim. I requested another investigation be done and asked them to provide me with all of the information they relied upon in making their denial to accept my claim. I have not received anything from American Express Serve. I filed a second fraud claim and provided more evidence ( see attached ) from both XXXX who confirmed that no such purchase was made on my XXXX  account and that I did not have a XXXX account connected to my XXXX account. I also provided them with verification from XXXX confirming that I did not have a XXXX account the day of the purchase. My XXXX account was not created UNTIL XX/XX/2020, three months AFTER the fraudulent charge to my Serve Card was made. XXXX had no account for me and could not locate any account under my name at the time the charge was made, and indicated that my bank needed to refund my money. Again, American Express Serve denied my claim ; stating their decision was based on " after reviewing your XXXX purchase history, you must have authorized the purchase. ". This is totally absurd as both XXXX and XXXX have indicated that I never made any such purchase on my XXXX account, nor did I have a XXXX account to process the payment. American Express Serve simply refuses to refund the {$420.00} back to my account and ignore all of my requests.
Consumer complaint received 2020-10-12
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: CURO Intermediate Holdings (WI)

I did not take out an installment loan I would never do that in my life. I just found out about my indentify theft two years ago and one from 4 years ago. One was from XXXX XXXX and one is from XXXX XXXX. This is made from a fraudulent person and they had all my info and my password is the same for everything and they had my XXXX  my XXXX  social my drivers license and they also used my boyfriends info like his public business store he owned as the mailing address. But this is all in my name. I just did the other complaint for XXXX  and did XXXX and froze my credit. This is for {$870.00} opened XX/XX/2018. I had two security breeches on my record too. I just want to fix my credit and protect my indenty and take this off my score.
Consumer complaint received 2020-10-13
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

I purchased a push-mower from XXXX 's ( XXXX XX/XX/XXXX, {$210.00} ). 

XXXX STRAIGHT OUT OF THE BOX -- The mower pull-cord would NOT extend. XXXX XXXX 's agreed to pick up the mower, XXXX XX/XX/XXXX, yet did NOT do so. 

I filed a dispute with Capital One ( Case Number XXXX ), submitted documentation ( twice ), have spoken with ( far too many ) CSRs, and burned up $ XXXX of XXXX not a smart ) phone airtime. 

XXXX XX/XX/XXXX, " XXXX '' acknowledged receipt of my " compelling evidence '', stated that " your documentations are valid ''. " XXXX '' ( Supervisor, Fraud and  Disputes ) assured me " we're against the merchant, [ you have ] the strongest case possible, [ Capital One ] can validate your claim ... we just need your patience. '' XXXX XX/XX/XXXX, " XXXX '' informed me that the dispute was closed XXXX XXXX XX/XX/XXXX ) and stated " [ your ] evidence is lacking ''. " XXXX '' ( Dispute Manager ) instructed me to " get a second opinion. '' I hung up on her.
Consumer complaint received 2020-10-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: HSBC NORTH AMERICA HOLDINGS INC. (TX)

On XX/XX/XXXX, I tried to make a purchase with my

HSBC credit card and it was declined. I called and HSBC suspected fraud and verified my data. After verification, they said my account would be closed down and I would receive a letter in 2 weeks. At that time, they also closed my other credit card as well as my checking account. They also restricted all access to my online account access. I have over {$4000.00} in my account that they will not release and a XXXX  balance on both credit cards. I have called numerous times and am only told I will receive a letter in 2
weeks.

At this point, they are holding my money illegally and closed my account for an undisclosed reason of which I have no idea.
Consumer complaint received 2020-10-13
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Hi & How are you doing? Im little confused how the late payments is reporting on my credit report. Basically, I am requesting this investigation under the authorization of the Fair Credit Reporting Act 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

What I am disputing : The late payments you have reported to the three credit bureaus.

My basis for this dispute is that this account was always paid in a timely manner, during the months in question, which you have reported as being late.
Consumer complaint received 2020-10-13
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc. (SD)

I was not notified that my account was being closed by comenity bank. I was only notified that there hsn credit card accounts were being transferred to XXXX.. After the transfer, the balance almost doubled and I never received a new card as the letter notify of transfer I dictated. I didn't find out the account had been closed until several months after it was transferred. Even though the balance owed is incorrect, I have tried sending payments and they have either been returned because they claim they don't have an account or someone has cashed the money orders ( which I am in the process of reporting as stolen ) and other credited the make believe account with the wrong balance that I'm starting to believe is probably not my account and could be something they made up or belongs to someone else.