davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (CA)

I have a bunch of inaccuracies on my credit report. All 3 late payments have inaccuracies that don't match with all the credit bureaus. 

XXXX : XXXX XXXX account number : XXXX open XXXX closed date XX/XX/XXXX last reported XX/XX/XXXX Experian : XXXX XXXX account number : XXXX open date : XX/XX/XXXX closed date : unavilable last reported : XX/XX/XXXX XXXX : XXXX XXXX account number : XXXX open date : XX/XX/XXXX closed date : unavailable last reported XX/XX/XXXX Open dates don't match closed dates don't match last reported dates don't match. 

XXXX : XXXX XXXX account number : XXXX open date : XX/XX/XXXX closed date : XX/XX/XXXX last reported XX/XX/XXXX Experian : XXXX XXXX  account number : XXXX open date : XX/XX/XXXX closed date : unavailable last reported : XX/XX/XXXX XXXX XXXX XXXX XXXX account number : XXXX open date : XX/XX/XXXX closed date : unavailable last reported date : XX/XX/XXXX Open dates don't match closed dates don't match last reported dates don't match. 

XXXX XXXX XXXX account number : XXXX open date : XX/XX/XXXX closed dated : unavailable last reported date : XX/XX/XXXX Experian : XXXX account number : XXXX open date : XX/XX/XXXX closed dated : unavailable last reported date : XX/XX/XXXX XXXX : XXXX account number : XXXX open date : XX/XX/XXXX closed dated : unavailable last reported date : XX/XX/XXXX Account numbers don't match Open dates don't match closed dates don't match last reported dates don't match. 

I want these deleted off my report I contacted all 3 bureaus about this issue and nobody has done anything about them. By law if they are inaccurate they have to be removed. Thank you have a blessed day.
Consumer complaint received 2022-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have exhausted every communication and appropriate dispute channels with Transunion. After 12 months they finally fixed all issues in the last XXXX weeks only for them to be updated the exact same way a few days ago. 

To date their improper and unlawful reporting has cost me thousands in credit and multiple tradelines. 

They are reporting an account with XXXX XXXX XXXXXXXX that has been paid off for months and closed at my request yet they are showing open with a balance they fixed it and it its back. {$0.00} balance letter attached herein - they claim they verified they did not XXXX XXXX closed and never late proof attached they fixed this multiple times and now its back yet again delete lates immediately XXXX XXXX XXXX XXXXXXXX sold years ago never late they verified on a recorded line yet its still not fixed XXXX XXXX creditor agreed to delete entirely as well as inquiry on XX/XX/XXXX account closed secured account Inquiries duplicate XXXX XXXX  not mine remove XXXX XXXX XXXX XXXX - shows late in XX/XX/XXXX memorandum attached showing it was not
Consumer complaint received 2020-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (TX)

On XX/XX/2020 I contacted PayPal Credit to remedy a delinquent account. They offered me a customer assistance program to pay off the past due amount of the line of credit I had with Synchrony. The agreement was a minimum of {$34.00} a month over a 5 year period. The balance I had would not accrue interest and the amount was frozen in time. I paid the first payment of {$34.00} and I was told to pay every month to keep the account out of delinquency. 

Two weeks later, I noticed that my Paypal credit account was still shown as past due on the app and it said a payment was due on the XXXX of XXXX. I called on XX/XX/XXXX to get more clarity about what was going on. When I called, I spoke to a representative who told me that the system had not yet updated and that I just needed to make sure I made the minimum {$34.00} payment every month. I did not have to worry about the past due status. 

The past due status continued to be on my account for months even though I paid what I was supposed to every month. On XX/XX/XXXX, I got a notification from XXXX  saying that my Paypal Credit account was being shown as 30 days late. Of course, I was confused because I was doing exactly what I was told when I agreed to the program. In addition, my account was being charged interest after I was told that there would be no interest accruing! 

I call that day and I speak to a rude representative, who lacked listening and customer service skills, named XXXX ( ID # XXXX ). When trying to relay my issue to her, she repeatedly said that there was nothing wrong with my account and that the account being past due was communicated to me from the beginning. Obviously she was not there to say what was or was not communicated. In addition, I know for a fact I was not told that my account would remain past due by 2 different representatives. As stated, I called on 2 separate occasions. 

This program is supposed to help those going through hardships but instead this is not helpful. This needs to be corrected immediately.
Consumer complaint received 2022-07-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Continental Finance Company, LLC (MS)

In XXXX of XXXX I paid off all my credit card debt. XXXX of those cards was a XXXX XXXX from Continental Finance / Celtic Bank. I accidentally double paid the balance of {$370.00} twice. Thats when the fun starts. Realizing my mistake months later, I called XXXXContinental Finance customer service and asked them to refund the overpayment. In broken English, I was told that they could not do that because they thought that I might be trying to scam them and that XXXX or both of the payments might bounce. Bear in mind that this is XXXX months since both payments were debited from my account. Frustrated, I asked to speak with a supervisor, I was told that one would call me shortly. I also instructed the agent to close my account. He told me that my account was closed. A few hours later, an English speaking agent working from home called me and assured me that I would received a check for both my over payment and half my annual fee in the mail. About XXXX days later, received a check for about {$20.00} ( half the annual fee ) and another check for {$370.00}. Thinking that the matter was resolved, I went on with my life. 

Fast forward to this morning XX/XX/XXXX, I woke up to an email thanking me for authorizing a payment to my XXXX XXXX for {$35.00}. Astonished, I called Continental/Celtic customer service again and spoke with XXXX who did not speak English as her first language and later declined to provide me any employee ID number or other identifying information. She told me that I had a balance of $ XXXX on my account. I said, how is this possible, explained that I overpaid my balance, got a refund for the overage and my account is closed. She informed me that it was not closed. And that my BOTH my payments, made in XX/XX/XXXX, were returned so that I was left with a balance. I tried to explain that that was incorrect, but she just put me on hold them disconnected the call. 

I discovered that my login credentials still work on the website. Continental debited my checking account for {$30.00} on XX/XX/XXXX and initiated another charge of {$35.00} for XX/XX/XXXX. They have also been charging me interest on this fictitious balance. I never authorized automatic debiting of my checking account and certain did not authorize them to reopen my account and start charging me interest on a fictitious balance. 

I need the FTC to please stop these fraudsters.
Consumer complaint received 2022-07-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Equifax and TransUnion are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX Balance : - ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2600.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to FCRA Section 605B ( a ) the XXXX and TransUnion shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2020-06-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (NJ)

On or XX/XX/XXXX, I noticed I had misplaced my CareCredit MasterCard rewards credit card. As a result, I contacted Synchrony Bank via their website chat feature to inform them of my lost card and request a replacement card. After confirming a few details with me, the request was processed. 

A few days thereafter, I received notification from my credit monitoring servicer advising that my CareCredit MasterCard account had been closed. I quickly contacted Synchrony Bank to inquire why this is so when all I requested was a replacement card. Synchrony explained that my account was not actually closed but it was their policy to report it as " closed '' to all three credit bureau. I also asked if it was policy to advise their consumers about this consequence. They confirm that it was their policy. 

At that time, I advised them that I was NEVER informed that my account would be reported closed to all three credit bureaus as a result of me reporting my credit card lost and requesting a replacement card. If I had been told this information, I would have looked more carefully in an effort to locate the missing card. Because of this false information, my credit score dropped more than 20 points. In addition, since my request, I have not received my replacement card despite being told it would arrive in 7 to 10 business days. 

It is unfair for a credit card company to report inaccurate information to the credit bureaus and on top of that, make fixing this information contingent upon my official receipt of my replacement card. So because they're not going their job correctly, I'm punished to sit around and wait until this phantom replacement card arrives while my credit score and report suffer?
Consumer complaint received 2020-06-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (GA)

The credit card operator ( Citibank ) offered a planned payment for purchases on the credit card at a reduced APR, offer that is available until XX/XX/2020. I have read all the exclusions and based on that I paid services rendered to me on the value of {$3300.00} which I fully intended in break down in 16 payments based on their proposal. Once the payment posted and I tried to use the promo, I found that my transaction wasn't eligible and I called customer service, which were not able to give a reason why the charge was ineligible. I told them that it was eligible according to the site and they said it could be due to low limit available or changes in credit worthiness. I explained then that the purchase was using only around 30 % of my available limit and that recently my credit score has been better than ever before being around high XXXX end sometimes XXXX. At this point they said they other criteria that could apply but couldn't tell me what. I then asked if this was a lottery and the manager actually answered that it could be considered like that. Amazed I told them that if I knew that I would never have user their card to pay for this transaction before hand and that this information wasn't promptly available on their site to which she offered to send some documentation which I recused since I think this information should be available on the site where I consulted before taking this decision, not as an after thought.
Consumer complaint received 2022-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXXXXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX IL XXXX XXXX BANK XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX 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 2022-07-30
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. (AR)

On XXXX XXXX I received i letter from XXXX XXXX stated I was granted a settlement of {$4200.00} for a vehicle I had repossessed. The agreement was to have that amount paid by XXXX XXXX. I paid it off XX/XX/2022. The company will not updated my information to the credit bureau even after dispute. I have proof of letters and receipts.
Consumer complaint received 2020-06-01
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc. (TX)

I have purchased a diamond ring for a {$570.00} and promotional 0 % interest for 6 month beginning XX/XX/XXXX. After that i purchased a pair of diamond earrings for a price of {$900.00} and 0 % promotional period for 12 months beginning XX/XX/XXXX. Every statement from the Comenity Bank - Zales Jewelers showed 2 separate plans and dates and amounts needed to be paid off to avoid paying accrued interest. I have paid off first plan ( 6 months long ). My mistake was that i didn't pay attention to exact date, was late few days and accrued interest was added to existing balance. I am not disputing this. Payment I submitted was enough to cover payoff amount plus minimum payment for XXXX of XXXX. 
Adding {$71.00} apparently was not enough for this greedy bank. Next month statement suddenly changed payoff amount on second plan and started charging monthly interest on remaining balance. I have contacted bank on 3 separate occasions to resolve this. Once they run out of arguments, they simply hang up. One rep even told me that their system doesn't know when you submit payoff amount to which plan to apply payment. 
Until now they charged me {$33.00} interest on 0 % 12 month plan.
Consumer complaint received 2020-06-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (CA)

My local Chase branch closed due to COVID-19 and I have been unable to make deposits of cash or special checks ( like US Treasury checks ). We have therefore had cash flow issues. 

On my credit card ( ending in XXXX ), I paid only the minimum payment even though I am usually a " pay in full '' customer. I was only able to make the full payment of the balance on XXXX XX/XX/2020. 

I requested a reversal of the {$500.00} of interest charged in XX/XX/2020, and {$510.00} of interest charged in XX/XX/2020. I explained to Chase that not only was their branch closed, but that I was unable to use their website due to a persistent error that made it impossible for me to add a " pay from '' account. 

I do not think this is a fair situation. I have tried to call Chase multiple times and have had difficulty reaching someone due to extraordinarily long hold times. Furthermore, other branch representatives have told me multiple times to " not worry about it '' and that fees and interest can always be taken care of later. Chase also says in public that they are assisting customers who need assistance due to difficulties with COVID-19, but I am not satisfied with their response. I have been a very good Chase customer and have always paid my bills on time. The only reason I was not able to make my full payments on time during in the past couple months was due to Chase 's decision to close their branch, make it impossible to reach someone by phone, and not have a working website.
Consumer complaint received 2020-06-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I've tried 5 times asking for a credit limit increase on my account that only has a {$1000.00} limit from the inception of the account. 

I've had the card since XXXX & I have always paid my entire bill every month on-time. I have also make multiple payments per month in hopes of keeping my consumption of credit to credit limit ratio low so that it doesn't hurt my credit. I noticed that on my credit reports, consuming anything beyond 30 % of my limit on this account ( XXXX limit, {$300.00} charge or more ) tends to hurt my credit since it looks like I'm using a lot of the credit on this card. 

I have other cards with this same bank that feature credit limits of XXXX so why not increase the limit on this card? I'm a good customer who pays my card on-time, always pay my balance off in full and enjoy the cash back reward I earn on this card. 

Some dates to note : - I opened my account XXXX - I've tried asking for a credit limit using the bank 's online tool on : - XXXX - XXXX - XXXX - XXXX - XXXX All of the letters I've received from Capital One to notify me of the decline to my request only provide a vague response of " A credit limit increase is currently not available upon request because Capital One is evaluating account activity at assigned credit limits ''. This doesn't explain anything or help me understand what I can do to increase my chances of being approved for a credit limit. Also, the website page the document lists ( https : //www.capitalone.com/credit-cards/credit-line-increase/ ) does not have a definition of that this response means. 

On XXXX, I called my credit card company to speak to someone in hopes that I could get a concrete response for my declined increase requests. I spoke with 2 representatives, including a supervisor. Both could not provide me any information. They said they were not allowed to speak about this with me. I asked if their credit limit decisions were automated and the supervisor said " yes ''. So, what if my account is caught in a loop or program bug? Shouldn't I be able to speak to a person who could make a manual evaluation of the facts on my account to determine if a credit limit is justified? I feel like I'm being treated unfairly since I can reference my other Capital One card 's credit limits as samples of what the bank has already approved me for. Also, if someone took the time to look at my account history on all my credit cards with this bank, they would see an impeccable history. 

Help please.
Consumer complaint received 2022-07-20
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Capital Link Management, LLC (HI)

These people have been calling and texting for over a year. Early morning mostly. Every single day. I miss appointments and other calls because I have to turn off my phone every night in order to get a full nights sleep. I tried to contact them but nobody ever answered. This is not my debt. They are looking for my brother XXXX XXXX. We are estranged, havent spoken in years and I have no idea how to reach him or where he lives. I have told this to these collectors and they continue to harass.
Consumer complaint received 2022-07-14
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. (SC)

I reviewed my CFPB complaint dated XX/XX/22 and I found out that you Close MY COMPLAINT # XXXX, XXXX, and XXXX on the same day. I would like to resubmit again my request to Investigate the Erroneous Accounts found on my credit report DEPT OF ED/AIDVANTAGE XXXXBalance : {$1100.00} ; DEPT OF ED/AIDVANTAGE XXXXBalance : {$3000.00} ; DEPT OF ED/AIDVANTAGE XXXXBalance XXXX {$2300.00} ; DEPT OF ED/AIDVANTAGE XXXXBalance : {$6200.00} ; DEPT OF ED/AIDVANTAGE XXXX Balance : {$5000.00} XXXX DEPT OF ED/AIDVANTAGE XXXX Balance : {$2500.00} ; DEPT OF ED/AIDVANTAGE XXXX Balance : {$5100.00} ; DEPT OF ED/AIDVANTAGE XXXX Balance : {$2400.00} ; DEPT OF ED/AIDVANTAGE XXXX Balance XXXX {$2500.00} ; DEPT OF ED/AIDVANTAGE XXXX Balance : {$5100.00} ; DEPT OF ED/AIDVANTAGE XXXX Balance : {$3100.00} ; DEPT OF ED/AIDVANTAGE XXXX Balance : {$3900.00} ; XXXX XXXXXXXX Balance : {$2.00} ; XXXX XXXX XXXX Balance : {$91.00} that is UNKNOWN to me. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. I am resubmitting this complaint myself and attached a copy of my Drivers license and proof of residency to inform you that I am the one asking your help.
Consumer complaint received 2022-07-21
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: FREEDOM FINANCIAL NETWORK (CA)

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. 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 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 and I am writing to request XXXX and XXXX Credit Bureau the method of verification for disputes In accordance with FCRA, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please 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 and pursue legal actionXXXX 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