davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-18
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. (NY)

In XX/XX/XXXX I noticed on my credit report from Transunion that they had reported that I had a delinquent account that had gone to collections from XXXX XXXX in XXXX  XXXX WI. I had paid that account off XX/XX/XXXX. This made my credit score go down. I called XXXX XXXX and they emailed me the paperwork that stated it had never been to collections and I had paid it off. I filed a dispute with Transunion and sent that paperwork to them so they could clear up my credit report. They removed the delinquent acct. and that it had gone to collections. My score went back up. In XX/XX/XXXX I noticed it was back on my credit report as my score had gone down again. I filed another dispute with Transunion in XXXX XXXX and on that investigation they are saying it is correct information that is being reported to my credit report. I am getting upset that Tranunion can play with my credit report like this.
Consumer complaint received 2019-03-03
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (OK)

I have this same problem with all Synchrony credit cards. They do not follow standard business practices when accessing payment amount due, late fees, etc. example. Purchased 800 item from XXXX XXXX   via Synchrony card. Terms are 36 months, no interest, payments {$23.00} a month. Purchased made right after XXXX XXXX. Made a {$200.00} payment XXXX XXXX. Did not show up. I thought payment did not go through. Paid again XXXX XXXX, XXXX another {$200.00}. Called and explained. They send back my {$200.00} in a check. Next statement shows the original purchase plus another {$200.00} purchase. Payment now due in XXXX. I paid XXXX?. Dollars. Next statement shows a payment due of XXXX on XX/XX/XXXX because of their error. Called once and was placed on hold twice and then hung up on. I am currently on second call with 20 minutes in and probably will eat no answer. Second time I spoke with XXXX operator number XXXX. Still on hold. 

Second Synchrony with XXXX. Can get refunds but payment due is still based on old incorrect amount. W late charge if you pay pay, ent. Asked on erroneous amount. They say they cant fix it.
Consumer complaint received 2019-03-06
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: BB&T CORPORATION (GA)

I am reporting to that I am a victim of Predatory lending. In XX/XX/XXXX, I got a 2nd mortgage from BBT to pay off my large balance credit cards and to consolidate all the charges. All my credit card payment was returned by the BBT and I was charged insufficient fees with each return draft. I went to BBT to inquire why my payments was not honored. I was informed that I did not transfer the funds from the holding account to my checking account. I corrected the error and resubmitted my credit cards payments. On XX/XX/XXXX I was notified by the credit card company that my payments was returned for the seconded time and was charged fees by the credit card company for the non-payment for the 2nd time. The funds was and still is in the checking account so I don't understand why these charges was not honored. I spent many hours calling BBT and the credit card company to figure out why my payments was returned. The out come was no resolution. I am almost XXXX years old and trying to pay off most of my financial obligations. My recent evidence based BBT encounters seem like that I am been penalized when I try to decrease my debt. 
I thought I could use my home equity to get this done. 
I am getting the feeling that these BBT variance is to make me lose my home and keep me in debt.
Consumer complaint received 2019-03-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

In XX/XX/XXXX I made a balance transfer from my Capital One card to my XXXX XXXX. The balance transfer did not get applied to my XXXX XXXX, however I had the balance already charged to the Capital One account. As my XXXX XXXX card never got paid, I was essentially paying for two balances. After 2.5 years of reaching out to Capital One by phone calls and mail correspondence, and submitting complaints to the CFPB, XXXX who is backed by XXXX and Capital One were able to get this issue resolved and the credit applied back to my Capital One account in XX/XX/XXXX. 

On one instance when I tried to get this fixed on one of the many phone calls, precisely in XX/XX/XXXX, I was told on a recorded line that I would get the interest that was charged to my Capital One account reversed. This never did happen, and I am requesting that the interest that has been charged for the course of 2.5 on the {$1600.00} be reversed.
Consumer complaint received 2019-03-06
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: LEXISNEXIS (GA)

My information had been breach in recent and pass data breaches, accounts, inquiries, collections and public records had been placed on my credit report. 
An FTC complaint has been filed with all this fraudulent items that do not belong to me, please remove all this items from my credit report. 
These event has prevented me from getting finance as well as a better jobt to better my life.
Consumer complaint received 2019-03-01
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Collection Systems, Inc. (IN)

In XX/XX/2018 my Indiana Income tax refund was offset and sent to XXXX XXXX. I called XXXX XXXX via the toll free number provided by the Indiana Department of Revenue, at which time I requested in writing and by phone a detailed breakdown of all charges as well as credits. XXXX XXXX has failed to send any documentation supporting the debt. I am aware of two grants the college has received on my behalf, yet no explanation has been provided detailing how these monies have been applied toward the debt they alleged I owe. 
In addition to this, I have had to dispute the amounts for which they are claiming I owe as the letter I received claims one amount and the email I received says another, while my credit report claims two times the amount.
Consumer complaint received 2020-12-13
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: EQUIFAX, INC. (MD)

The account is not mine. No proof given that it was my account. XXXX and XXXX have deleted the account because it is not mine. The collection agency has not sent any of the requested documentation to me, proving this is my account. 
The collection agency is XXXX XXXX XXXX. I have contacted them directly, and they are refusing to remove the item. I also contacted Equifax by phone and mail disputing this account and I have not received any documentation.
Consumer complaint received 2019-03-01
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. (OK)

I was told that the process of applying for mortgage would not impact my credit score adversely. My FICO score was XXXX ( Excellent ) after over 8 years of hard work and discipline. I started the process of buying a home only after I had achieved FICO score of XXXX ( Excellent ). 

Everything has gone smooth and the closing is on XX/XX/2019 and to my surprise I find that my FICO score has been substantially and negatively affected. It has fallen by XXXX points ONLY due to " too many inquiries ''. All of these are directly related to seeking a mortgage to buy the home chosen. 

Something with wrong in terms of what we the people are led to believe and what actually happens. And then " people '' have no effective means to address the mischief by banks and credit reporting agencies that collude to indulge in legalized extortion. 

Please help directly or indirectly by pointing me to some direct & effective actions that I can take.
Consumer complaint received 2019-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I'm disputing these XXXX unauthorized inquiries inwhich I did not authorize nor do I have any acknowledge of please remove these from my report in order to promote fairness. The inquires are, ( 1 ) XXXX ( XXXX ) ( 2 ) XXXX XXXX ( XXXX ) ( 3 ) XXXX XXXX ( XXXX ) ( XXXX ) XXXX ( XXXX )
Consumer complaint received 2019-03-01
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. (OK)

I was told that the process of applying for mortgage would not impact my credit score adversely. My FICO score was XXXX ( Excellent ) after over 8 years of hard work and discipline. I started the process of buying a home only after I had achieved FICO score of XXXX ( Excellent ). 

Everything has gone smooth and the closing is on XX/XX/2019 and to my surprise I find that my FICO score has been substantially and negatively affected. It has fallen by XXXX points ONLY due to " too many inquiries ''. All of these are directly related to seeking a mortgage to buy the home chosen. 

Something with wrong in terms of what we the people are led to believe and what actually happens. And then " people '' have no effective means to address the mischief by banks and credit reporting agencies that collude to indulge in legalized extortion. 

Please help directly or indirectly by pointing me to some direct & effective actions that I can take.
Consumer complaint received 2019-03-06
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: SYNCHRONY FINANCIAL (NJ)

The week of XX/XX/XXXX, I contacted SYNCB/Walmart DC ( XXXX XXXX XXXX XXXX, FL XXXX tele # XXXX ) regarding an account that was being reported on my XXXX credit report. I spoke with XXXX ( # XXXX ) from the XXXX, Ohio call center. She confirmed that there was no record of any account matching my information. She indicated that it would be difficult to send me dispute information on an account that does not exist. However, I stated to her that an account is being reported, therefore I as well as the credit agency should be able to receive something so this information could be removed. She then indicated that it would take approximately 30-60 days to contact XXXX and that she would see if she could send me something. To date, I have not received any correspondence regarding this matter. I contacted SYNCB/Walmart again today ( 3/5/19 ) as my credit report dated XX/XX/XXXX still contains the incorrect information. I spoke with XXXX ( # XXXX ) ( fax # XXXX ) who also stated that there is no matching records. Since it's been five months and this matter is not resolved, I lack confidence in this company 's ability to help me and resolve this matter.
Consumer complaint received 2020-05-15
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: ID Analytics, Inc. (IN)

XX/XX/XXXX. Went to buy truck. XXXX XXXXXXXX, said approved at XXXX XXXX XXXX XXXX an XXXX XXXX XXXX. Then received letter from XXXX XXXX saying I was denied. Said they used SageStream, where my credit went from XXXX at XXXX, to XXXX at SageStream. I am complaining about Sagestreams Reasons of key factors that adversely affected your credit score. They said I had limited history at address and phone, length of residence too short, and limited history at phone and too few active accounts. This is All false. I have 10 active personal account. I have lived at same residence with same since XXXX and same phone number over 20 years. Never been late on any payments in last 30 year. Who is SageStream? Are they legitimate? On their web site they want my drivers license, social security card and recent bill to even look at complaint. Tried to call wont call back. Also on paper from XXXX has wrong street address.
Consumer complaint received 2024-09-13
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Bread Financial Holdings, Inc. (NV)

I own a XXXX Credit Card that I use to earn points for purchases in the store, I've had the card for over a year. I got an email saying I was upgraded to a platinum version of the card ( which I never requested in the first place ), and that it was on the way. This meant my original card wasn't able to be used anymore, which was fine for the time being. I messaged the help desk on XX/XX/2024 asking for information on sending me a new card as I haven't received it yet. They responded saying they will send a new one within 7-10 business days. I message again on XX/XX/2024 as the card still hasn't arrived. They relayed the same message that it will arrive in 7-10 business days. I message again XX/XX/2024 that my card still hasn't arrived, yet the same message it will be here in 7-10 business days. I message again on XX/XX/2024 that my card hasn't arrived, yet the same response again. I message again on XX/XX/2024 that I still haven't got it yet, with the same response back again. I called the customer service at some point during XXXX requesting a new card, but I still haven't received anything yet. During this time I have been confirming my address in the messages I have sent, and I have lost rewards that I have wanted to use because I never received the card that I never asked to be upgraded to! This has caused major inconvenience in my life as I haven't been able to use my credit card, I have lost rewards and points I haven't been able to obtain, I'm just really annoyed that this has taken so long.
Consumer complaint received 2020-12-14
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: OneMain Finance Corporation (TX)

I took a loan from this company a couple of years ago. 

Since XXXX, 2020, I have done everything I could possible do to pay off balance on this account and close out my account with this company. 

But they have continue to use clearly fraudulent and unethical business practices to waste my time and destroy my credit, just for a few dollars. 

In XXXX, 2020, I went into my account, paid off the stated account balance of {$74.00} so I dont have to deal with this company anymore. 

The following month, I realized they had posted on my credit bureaus that I still owe about {$18.00} ( after I had paid of the " pay off balance '' they had on my account ) .. 

I check my online account, and saw the {$18.00}, once again showing as my final balance. Just for peace to prevail, I went in and paid off that {$18.00} balance. 

Right now, as at XXXX, they have recorded {$1.00} on my account balance as remaining balance. And still reporting to my credit that I havent made payment since XXXX. 

This is so unethical. They are destroying my credit and frustrating my life. They still keep sending me offers to get another loan with them.
Consumer complaint received 2019-03-06
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (NJ)

The debt collector named XXXX XXXX sold my credit card debt {$800.00} to XXXX XXXX law office. My debt has increased to {$1500.00}. I tried to call and settle my debt. I was advised I could pay a lump sum {$1200.00}. When I called back I offered to pay {$1200.00} lump sum and was advised that settlement would no longer be accepted because they were going to garnish my wages. Both companies were very nasty and rude. I was not allowed to settle my debt. This debt continues to decrease my credit score. This is horrible customer service.
Consumer complaint received 2019-03-06
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Pressler & Pressler, LLP (NJ)

The debt collector named XXXX XXXX sold my credit card debt {$800.00} to XXXX XXXX law   office. My debt has increased to {$1500.00}. I tried to call and settle my debt. I was advised I could pay a lump sum {$1200.00}. When I called back I offered to pay {$1200.00} lump sum and was advised that settlement would no longer be accepted because they were going to garnish my wages. Both companies were very nasty and rude. I was not allowed to settle my debt. This debt continues to decrease my credit score. This is horrible customer service.
Consumer complaint received 2019-03-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WAKEFIELD & ASSOCIATES, INC. (CO)

XXXX credit company is stating I owe over 11,000 dollars in medical debts. However I am fully covered by Medicaid 100 % full coverage and I have been for over ten years and I always have XXXX co-pays and etc. I've disputed these bills too many times too count and they are refusing too fix this matter.
Consumer complaint received 2019-03-06
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2019 - 30 DAYS LATE 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.
Consumer complaint received 2019-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: ALLY FINANCIAL INC. (MO)

Ally bank has consistently reported that i have two 30 day late payments in XXXX and XXXX of 2017 which is lowering my credit score. I have tried several times to dispute this with both Ally back directly and with the credit bureaus. I have uploaded documents ( screen shots ) of my payments with the data, times, and confirmations of my payments but all of my disputes have been ignored.
Consumer complaint received 2020-11-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

In early XXXX I received a mailer from HSBC advertising an offer available at " us.hsbc.com/500directdeposit2 '' for a {$500.00} Welcome Deposit if I 1 ) opened a Premier Checking account between XXXX XXXX XXXX, and 2 ) made recurring direct deposits totaling at least {$5000.00} per month for 3 consecutive calendar months from the 2nd full calendar month after account opening. I opened an account using my personalized code via that website on XX/XX/XXXX, satisfying requirement 1. I made direct deposits totaling > {$5000.00} via my employer payroll during each month from XXXX until today, satisfying requirement 2. I have not received the Welcome Deposit as of today. Per the terms, I should have received the Deposit within 8 weeks after completing all qualifying activities. I completed all qualifying activities as of the end of XXXX, and thus should have received the deposit by the end of XXXX.
Consumer complaint received 2019-03-06
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. (CT)

I contacted XXXX XXXX about my XXXX XXXX Credit Card. I had misplaced the card and requested a new one. One week later, I was notified by Experian that the XXXX XXXX XXXX Account had DELETED ENTIRELY from my credit profile, causing my FICO SCORE to DROP 25 POINTS!!! 

I immediately contacted XXXX  and they told me I should dispute it- which I did. Nothing changed. I called XXXX back, and they told me they had made the adjustments on their end. 

To date, that has not occurred. I have emailed XXXX and contacted them no less than 5 times both via telephone and in writing. And not ONE change has been made. I have an OPEN ACCOUNT with a BALANCE DUE which is NOT reporting on my credit report.. 

Certainly people have lost a credit card without having it wiped off their credit report- why is this so DIFFICULT?
Consumer complaint received 2019-03-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (NY)

XXXX XXXX imoosed pay over time fees to a personal credit card when in fact I paid the card in full. They added late fees and reported 30 and 60 day late pay to the credit agencies. They have resolved the issue by crediting my account but I still have the late credit shown on my report.
Consumer complaint received 2019-03-07
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. (CT)

I consolidated approximately {$46000.00} in student loans with XXXX XXXX  in XX/XX/XXXX. XXXXXX/XX/XXXXbought XXXX and lost my note. I Hired attorney and resolved the matter. Paid back approximately {$110000.00} for the {$46000.00} I borrowed. Constant record keeping problems with XXXX and other government subsidized collectors. Its paid in full. They say {$5000.00} outstanding. THEY ALSO SAY THAT XX/XX/XXXX brought a collections action against me. NO SUCH COLLECTION ACTION HAS BEEN TAKEN! I have never been notified by XXXX XX/XX/XXXX of any such collection. I WISH THEY WOULD START AN ACTION so I could straighten this out. They are falsely reporting a collection action to credit report. They need to SUE ME for their delinquency claims OR GET THAT OFF MY REPORT. This should be illegal. The student loan collection practice throughout the life of the loan has been rife with inaccuracy and abuse.