davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-01
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (NY)

I have a PayPal credit account through Synchony Bank. They offered deferred financing for 6 months on purchases over {$99.00}. Three of my purchases were expiring on XXXX. I made a large payment of {$910.00} and used the chat feature to request the payment be allocated to the purchase of the same amount. Had this been done properly, I would have avoided {$110.00} in accrued interest. Two days later, I see they missapplied the payment to a lower purchase amount ( which only carried accrued interest of {$40.00} ) leaving a balance on the purchase amount I was trying to pay. This will cause me to be charged for the higher interest amount of {$110.00}. When I called the company to have it corrected, I was told it will take 1-2 billing cycles to correct it, they also provide no proof/verification of the conversation. I received no record of the original chat, as they do not email a copy as most companies do, and you can not take screenshots of the chat. So I have no record of the conversations. It is my belief that this was intentional so that the company can collect more interest from customers. I made the payment amount for the exact dollar amount of the purchase I wanted it applied to, so it should have been " dummy proof ''. I wonder how much money they have made by doing this to customers " accidentally ''. I raised the concern that I will be charged interest on the accrued interest that is going to be applied. I do not feel that the information they provided is truthful or accurate. The agents all have fake American names ( always two first names ) and when I expressed my distrust of the company to one of the agents I spoke to, they said " just trust us ''. Everyone knows that is a major red flag when someone says that. This whole situation reeks of intentional fraud.
Consumer complaint received 2022-11-18
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: Experian Information Solutions Inc. (CA)

I recently ordered a credit monitoring package that helps take unauthorized inquiries off my credit report, In addition to that, the report on this site, is inaccurate. 

First off there are excessive inquires that I did not authorize but are on my recent credit report. 

Creditor Name Type of Business Date of inquiry Credit Bureau XXXXXX/XX/XXXXXXXX XXXX XX/XX/XXXX Experian XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX Credit Unions XX/XX/XXXX Experian XXXX XXXX XXXXXX/XX/XXXXExperian XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX Experian XXXXXX/XX/XXXXXXXX XXXX XX/XX/XXXX Experian XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXXXX/XX/XXXX Experian XXXX XX/XX/XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXXXX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXX/XX/XXXX Experian XXXX XXXXXX/XX/XXXX Auto XXXX XX/XX/XXXX Experian XXXXXX/XX/XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX Experian XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXXX/XX/XXXX Experian XXXX XXXX XXXXXX/XX/XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXXXX/XX/XXXXXX/XX/XXXX All Banks XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXXXX/XX/XXXXXX/XX/XXXX Experian XXXX XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX Experian XXXXXX/XX/XXXXXX/XX/XXXX Experian XXXX XXXX XXXXXX/XX/XXXXXX/XX/XXXX Experian XXXX XXXX XXXX Miscellaneous Finance XX/XX/XXXX Experian XXXX XXXX XXXXXX/XX/XXXX Used XX/XX/XXXX Experian XXXXXX/XX/XXXXXXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXXXX/XX/XXXXXX/XX/XXXX XXXX XXXX XXXX Personal Loan Companies XX/XX/XXXX ExperianXX/XX/XXXX/ Miscellaneous Finance XX/XX/XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXXXX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX I do not recognize any of these shops except XX/XX/XXXX XXXX Experian XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX The rest of this companies I do not recognize and did not give written, or oral consent to inquire and share it with reporting agencies.
Consumer complaint received 2021-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2020-07-08
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP (OH)

XX/XX/2020 my leased vehicle was involved in an accident which resulted in a total loss of the vehicle. The lease was with Honda Financial Services ( HFS ). HFS was notified by my insurance company of the loss and payment was made to HFS by my insurance company. HFS continued to process the monthly payment on the vehicle for the months of XXXX and XXXX even though they were aware the vehicle was a total loss. The last billing statement I received for this vehicle was in XX/XX/2020. The statement indicated {$0.00} due and I believed this account was settled with my insurance payment.On XX/XX/2020 I received a notice from HFS indicating my lease had expired and I was in default of the lease. On XX/XX/2020 I received a notice from HFS indicating they wrote off my account and sent it to a debt collection company. I tried to access the account on the HFS website, however, all access to this account has been denied and I was referred to Customer Service. When I spoke to a Customer Service Rep and requested to escalate my call to a Manager, I was denied and eventually hung up on. I believe that HFS violated several consumer protection laws in not allowing me access to my account, taking negative action against me without notice and not allowing me to dispute and/or resolve my concerns with the account.
Consumer complaint received 2021-08-09
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: LoanCare, LLC (MD)

My mortgage was in forbearance. The loan was current. Before the forbearance was to end, I ended up with a new job in a different state. I sold the residence and paid the mortgage in full, XX/XX/2021. Forbearance was to end XX/XX/2021 ( first payment due ). They reported balance of {$0.00} but did not notate payment for XX/XX/2021. BUT the put on mortgage was 120 days late. I tried to call but their system says I don't have account and I can not talk with anyone. 
How can they say I am 120 days late? 
How can they say balance is paid in full yet record no payment? This cost me 90 points on my credit report and may cause me to lose my next mortgage for a new house. 

This company has been horrible to work with from the time they bought my loan and now is just horrible.
Consumer complaint received 2022-04-21
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: Experian Information Solutions Inc. (TX)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC Identity theft report, Identity theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2022-04-21
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)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC Identity theft report, Identity theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-07-08
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. (IL)

I purchased a new vehicle from XXXX XXXX and the traded in my old car that I owned through XXXX XXXX. My Payment was due on XX/XX/XXXX and was the exact date that the Payoff Balance was supposedly entered XXXX XXXX system. XXXX XXXX sent me a payment statement via email as to say that the payment was received in a lock-box previously and entered on XX/XX/XXXX. My Issue is that with Everything is taking a very long time to process and most companies aren't even allowed to be open because of the Pandemic if they were not considered essential how was the payment processed in a timely fashion? So how was my payment considered late if it was mailed? Extra time should have been allowed because of the extenuating circumstances. I do not believe That I should be penalized with a 30 day late mark on my credit for something that I had no control over. The company stated that the payment was on the way so it was no need for m to make an additional payment. I however, should not be held responsible for when it was entered into the system, which was suspiciously exactly on the XXXX Day. I've had the vehicle for 3 years and I do not have any late payments except for the pay off balance which was paid by another company. This is ruining my credit with this 30 day late mark and I think that it is unjust and undeserved especially during this time that the world was practically shut down and I had been paying before being considered 30 days late. Can I please get some help with this? Thank You
Consumer complaint received 2021-09-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (TX)

I have been disputing this account with the credit bureaus for sometime now. Each time they would say that ARS would verify the debt. So I took it upon myself to ask ARS for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/XXXX. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
Consumer complaint received 2021-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

To whom it may concern I applied for credit with XXXX XXXX and the company requested my Transunion report. Transunion in return sent XXXX XXXX a credit score over 100 points lower than my actual score. It was embarrassing and disheartening to me. I reached out to Transunion abourt the reporting error and was unable to contact them by phone. There was no dispute description for my type of error on Transunion 's website. Something needs to be done about the egregious reporting by Transunion.
Consumer complaint received 2021-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/2021 I attempted to open up a checking account at XXXX XXXX XXXX in XXXX, CA. At that time my application was denied. I researched that they use the consumer reporting agent XXXX XXXX at XXXX. I was given instructions on how to receive a copy of my consumer credit report and I followed up by sending Bank of America an official letter with information of how they put a remark on my report - Account Fraud- that was keeping me from opening up a checking account. I then received a rejection letter from Bank of America, saying that there is no chance of changing my record. I then went to XXXX XXXX and have been told to write a rebuttal to attach to my consumer credit report but the end result after months of corresponding with machines, I can't get any human to look into this and see that I was the victim of being given a counterfeit check. I deposited it into my account and never withdrew funds from it. I waited for the check to clear and was later sent an NSF notice for the funds. To make matters worse, since this incident, a checking account I had with XXXX for over 20 years was closed and then most recently closed a credit card that I had opened 4 months ago. Please help me as I need not only to open a checking and savings account, I need to get a safety deposit box as well. 

Thank you. 

XXXX XXXX XXXX
Consumer complaint received 2021-09-13
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 — Problem with personal statement of dispute
Company: Keynote Consulting, Inc. (FL)

I sent a letter to XXXX XXXX XXXX on XX/XX/2020 letting them know I was vacating their property " XXXX XXXX  '' in XXXX, Il. I told them that, per Chicago Rental Law, once they successfully attempted, and did rent the apartment to let me know the appropriate amount that was due and I would pay them. 

XXXX XXXX XXXX did not ever attempt to mitigate the damages and relet the apartment. I have submitted a complain on here before and which they replied by saying they did, however I have proof of their property manage " XXXX XXXX '' emailing me all the way in XX/XX/2020 saying I can not just leave the property and I need to " reread the lease. '' He, and his company, directly violated Chicago Rental Law.

I then asked Mr. XXXX multiple times to have all further communication go through the mail and he continuously emailed me, harassing me over 60 days after I moved out instead of attempting to mitigate the damages.
Consumer complaint received 2021-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2023-03-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (VA)

I went to the atm on XX/XX/23 to deposit XXXX in my new account with chase for my bills I have been calling them about my deposit. The receipt shows card last XXXX of XXXX sequence # XXXX and advised me to call XXXX to see if money was available I need my money today is my payday and I thought using this account except for XXXX would be better Im trying to build credit to buy a house. Chase is constantly giving me the run around
Consumer complaint received 2021-12-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: U.S. BANCORP (CA)

Applied U.S. Bank Platinum Visa Card on XXXX after receiving a pre-approval in the mail. Received mixed messages online after submitting my application about whether I was approved. On one hand I got the auto-confirmation that line of credit was granted and that I'd be receiving my card in 4 business days. On the other hand I got an email saying their decision will be mailed to me in 10 business days. I called twice on XXXX to ask for an expedited card, clarification whether my application was accepted or not, and a credit limit increase since the initial amount was low. I didn't receive clarification from either phone call and was verbally rejected for an expediated card and limit increase. I didn't receive card for 3 weeks with no explanation. I called their number on XXXX twice, first time to request an expedited card, second time a few hours later to make sure the the first call rep did anything because at this point the bank and this credit card process has been incompetent. If I hadn't heard of U.S. Bank before I thought I was in the middle of a identify-theft scam. 3 reps over 2 calls on XXXX assure me I'll be receiving the card on XXXX and that I may call on XXXX for the tracking number. I call twice on XXXX for the tracking number and both reps don't have a tracking number for me and inform me that the replacement card hasn't been shipped yet. I called again on XXXX and there's still no tracking number or indication that a card has been sent. My conclusion is that the bank is giving me the run-around and refusing to provide the card so that I may not use their service. It's hard to believe this is just incompetence.
Consumer complaint received 2019-05-01
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. (CA)

I had bought a watch and paid it off in installments. Apparently XXXX the creditor claims that they do not require a hard credit inquiry to qualify for their option to pay in payments. This is on my credit report and my credit score has dropped 6 points. This is unacceptable. The watch was for XXXX dollars. Experian lowered my credit score because of this recent purchase.
Consumer complaint received 2021-09-13
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: EQUIFAX, INC. (GA)

To whom it may concern, I am seeking help to whoever can help me with my credit problem, There are several items on my report that I dont know about and i want them cleared from my report. I already sent you the dispute letter over thirty days ago but you still havent responded to me and i think that is not right. Please delete those negative items so i dont have to spend for taking legal action. TY
Consumer complaint received 2021-09-13
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. (GA)

To whom it may concern, I am seeking help to whoever can help me with my credit problem, There are several items on my report that I dont know about and i want them cleared from my report. I already sent you the dispute letter over thirty days ago but you still havent responded to me and i think that is not right. Please delete those negative items so i dont have to spend for taking legal action. TY
Consumer complaint received 2022-05-03
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting Act the following accounts have violated my rights 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 XXXXXXXX 15 U.S.C 1681 Section 602 A states that I have the right to privacy 15 U.S.C Section 604 A Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: The CMI Group, Inc. (FL)

Credit Management LP with Account # XXXX is showing on my XXXX and XXXX Reports, yet I have never had an account with this company. I contacted them yesterday as well as today and they stated they couldn't find an account with my information. I asked them to remove the erroneous information, but they stated there was nothing they could do. I requested a supervisor and they stated no one was available.
Consumer complaint received 2022-03-28
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. (IN)

I sent this agency a notarized, certified letter with return receipt about inaccurate, erroneous, and fraudulent accounts on my consumer report. I supplied valid proof of inaccuracies and fraudulent accounts and This agency has failed to act or update my account as in dispute. I provided proof that XXXX XXXX bank violated my federally protected consumer rights and committed identity theft against me. XXXX XXXX shared my personal information with XXXX without my consent. No consent is identity theft! On my consumer report there is an inquiry from XXXX which I did not approve or consent to and again no consent is identity theft. I have no contract with XXXX nor have I had any communication with them. I understand I am a consumer protected by federal law. By this agency reporting this information they are committing identity theft as well. It is to my understanding that all accounts deemed as identity theft be deleted from a consumer report.
Consumer complaint received 2022-05-03
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: Experian Information Solutions Inc. (MD)

In accordance with the Fair Credit Reporting act 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