davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-26
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. (OH)

Re : XXXX  card services I recently disputed an erroneous account on my credit report with transunion. The alleged account has so many inaccuracies, dates.. wrong name, address, incorrect amounts reporting across all bureaus. I received a response from XXXX  saying updated information was processed from a dispute from XXXX  and no real investigation was done because there is no way to correctly report it with so many inaccuracies on for account. I have submitted all the information needed to clearly verify my claim. I wish to have this deleted immediately because its defamation to my character and I know without a doubt I can win a case with the evidence I have. Thank you for your time. 
Regards, XXXX XXXX XXXX
Consumer complaint received 2021-06-26
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. (TN)

On XXXX XXXX 2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 1. XXXX XXXX Date of inquiry : XX/XX/XXXX 2. XXXX XXXX Date of inquiry : XX/XX/XXXX 3. XXXX XXXX Date of inquiry : XX/XX/XXXX 4. XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX 6. XXXX Date of inquiry : XX/XX/XXXX 7. XXXX Date of inquiry : XX/XX/XXXX 8. XXXX Date of inquiry : XX/XX/XXXX 9. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 10. XXXX Date of inquiry : XX/XX/XXXX 11. XXXX Date of inquiry : XX/XX/XXXX 12. XXXX XXXX Date of inquiry : XX/XX/XXXX 13. XXXX XXXX Date of inquiry : XX/XX/XXXX 14. XXXX Date of inquiry : XX/XX/XXXX 15. XXXX XXXX Date of inquiry : XX/XX/XXXX 16. XXXX Date of inquiry : XX/XX/XXXX 17. XXXX XXXX Date of inquiry : XX/XX/XXXX 18. XXXX XXXX Date of inquiry : XX/XX/XXXX 19. XXXX XXXX Date of inquiry : XX/XX/XXXX 20. XXXX Date of inquiry : XX/XX/XXXX 21. XXXX XXXX Date of inquiry : XX/XX/XXXX 22. XXXX XXXX Account Number : XXXX 23. XXXX XXXX Account Number : XXXX 24. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter.
Consumer complaint received 2021-06-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Affirm Holdings, Inc (NY)

This company customer care is horrible I have never been treated like this before I had previous loans in the past was a good customer and they had to do a bypass because their system was keep saying unable to verify my identity since I have a fraud alert but now when they do it it still says it and they dont know how to fix it its so annoying when Im the past also one loam shows Chargeoff but it was never I paid it I just want this resolved it never should be like this to prequalify their system is horrible
Consumer complaint received 2021-02-06
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (CA)

XXXX XXXX, 2021 - I went to the Pep Boys at XXXX XXXX XXXX, XXXX, CA XXXX for some brake work. I thought I had {$500.00} in open credit on my Pep Boys card. I had checked online a week earlier and the credit line was active. The bill was {$400.00}. When it came time to pay I presented my Pep Boys CC and it was declined. I called the customer service number and they said it was cancelled since I had not used it. They said I could re apply. I then paid with my debit card. 

XX/XX/2021 - I needed more work done so I applied again and was approved for a XXXX / Pep Boys card with a {$2000.00} limit. See attached. 

XX/XX/ 2021 - I went to the same Pep Boys location for an alignment and suspension work. The bill came to {$420.00}. I had not received my card in the mail yet but had my account number. I had received an approval email and could log into my XXXX / Pep Boys mobile app showing my XXXX / Pep Boys account. 

The XXXX card was not accepted. I had not received the card in the mail so I did not have the expiration date nor 3 digit code on the back. We called Fortive customer service overseas. They said I needed a pre authorization code. She could not give it to me nor did the cashier know what that was. After going back and forth with XXXX customer service I gave up and paid with my debit card. 

So - fortunately I had money in my account to pay. What would have happened if I didn't? I'm sure they would have kept my car until it was paid.
Consumer complaint received 2021-02-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Rocket Mortgage, LLC (NY)

XX/XX/2021 - notified quicken loans that I can resume payments - quicken loans offered an option to defer payments on unpaid balance until loand is refinanced or paid off ( or ) to extend terms of payments, reducing monthly amount but paying interest on forebearance amount for full term of time that loan is outstanding. 
- I am looking for another option that modifies the loan
Consumer complaint received 2021-06-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Franklin Collection Service, Inc. (IN)

This is my second dispute on this {$200.00} disconnected fee I moved to COVID beginning and my life was XXXX XXXX were called I paid my deposit upfront {$100.00} to XXXX then {$55.00} a month but I got robbed and threatened I told XXXX  that Im moving cuz Im forced and COVID I was told to prints out shipping label and I returned it to XXXX that day and they got it all. Then they put a disconnect fee which I was told no customer service i moved police called and Covid they lied to me I won my disputed complaint then they were changing the company name I dont know how they got my ill fathers cell and sisters looking for me then I heard from them and was threatened to pay for a non bill service was disconnected before I moved and now from the old collection its been. Taking off using as I just dud this its against the to call me family and harass but keep putting the {$200.00} fee after making it a 2021 new account and putting it on my credit report 3-6 a week they need punishment and Ive lost jobs and help with loans fton my dad especially Im on XXXX XXXX XXXX then. And now it needs to stop I have XXXX and then private messages threatened me I feel unsafe somehow to XXXX I need to receive damages in mentally and harassed by phone calls
Consumer complaint received 2021-06-26
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (CA)

Comenity Bank ( XXXX Credit Card ) charged me interest XX/XX/2021 on a {$0.00} balance after I had missed a payment. I was confused about how I had missed a payment, but I realized it was probably because they have overcharged me interest. I asked for the terms of service where I have signed that they can charge me interest when I have a {$0.00} balance and the customer service reps are ignoring my questions. They gave me a {$39.00} credit for the first late fee, and a refund for {$35.00}, both which I didnt request. They stated they received verbal authorization to return the {$35.00} but I have not spoken with them on the phone. I have asked that they REMOVE the 30 day late payment theyre reporting to the credit bureaus because the company is untrustworthy. I have reason to believe the late payment is being fraudulently reported. I have received ZERO in mail correspondence from them. I mailed a dispute in regards to the late payment asking for a goodwill removal and they ignored it. They replied that it was a duplicate response and to refer to the investigation previously sent, but there wasnt one. They have ignored my requests, and in my asking for the original investigation letter and decision I realized they were charging interest that violates their terms of service. They have ignored me several times. I have mailed in requests. Emailed. And messaged on their secure platform.
Consumer complaint received 2021-02-06
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. (SC)

I sent a request to investigate inaccurate accounts on my credit profile on XXXX/XXXX/2020, it has now been months since I sent my inquiry but I have yet to receive a response. I'm looking to purchase a home/car and the inaccurate information on my profile are stopping me from achieving my dreams.
Consumer complaint received 2021-02-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Transunion is reporting a debt on my credit report, from a company named XXXX XXXX XXXX for {$400.00}. This debt does not belong to me. I have no knowledge of this debt. It is fraud. I reported to Transunion that my identity had been stolen from years XXXX through XXXX. I have no knowledge of this company. I have not had any dealings or contracts with this company. I have never had any services with this company. I have not ever used any debit or credit card transactions with this company or their affiliates. I would like for Transunion to remove this debt from my credit report.
Consumer complaint received 2021-06-26
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. (NY)

I sent a request for method of verification after incorrect information came back verified. I requested an answer within the 15 days as provided me by FCRA 611 ( a ) ( 7 ) to get a description of methods used to investigate my previously mentioned disputes, particularly a bankruptcy appearing on my report that I have verified with the court was not filed by me and was never verified by an outside CRA. Additionally, there were 2 credit collections that were " pay for deletion '' and still came back verified through eOscar. 

I would like these items removed from my credit files, as I am trying to refinance my mortgage and they are providing and incorrect negative appearance on my reports.
Consumer complaint received 2021-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (AL)

XX/XX/XXXX, I sent a letter to Comenity Capital bank, after already disputing the accounts, stating a settlement offer on an account. The letter stated upon cashing the money order, they would agree to completely remove all references to this account with all the credit bureaus, agree to not list as paid collection or settled account, and agree payment was satisfying the debt in full. I also requested settlement within 15 calender days from receipt of payment. On XX/XX/XXXX, they sent out a letter stating they would like me to call their recovery Department to resolve the issue. XX/XX/XXXX at XXXX XXXX, I called and the representative said I could settle the accounts and I would have to send the money orders individually instead of one money order for all accounts. She also gave me a settlement amount for each account. On XX/XX/XXXX, I sent a settlement letter and a XXXX XXXX money order in the amount of {$240.00}, the amount they gave me to settle the XXXX account with Comenity Bank. The money order, # XXXX was cashed on XX/XX/XXXX. As of XX/XX/XXXX, I have not received any notice, the amount I sent in was not deducted from the balance and now is still showing a full balance due and the account is still showing on my credit reports. Comenity did not settle the account and they did not remove all references from my credit reports, as they have agreed to my settlement terms by cashing the money order, and it is beyond the 15 calendar days since received.
Consumer complaint received 2021-02-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (MO)

Synchrony bank I recently had fraud on account. I reported fraud I also contacted merchants to get credit back. Not a lot few XXXX dollars. I have a lot of credit cards with synchrony bank. I was asked if I wanted to update my information. I said yes update my phone etc. I have a great credit score. Today I go to purchase gas at Sams and card declined. I contact bank tell me closed due to internal risk factors. I lost all rewards points nearly {$250.00} they were to pay me for 2020 rewards. Not fair to not still give rewards I earned last year. They are closed all my cards I have same reason. I see I internet this is something they are doing to a lot of people in the middle of a pandemic. I never was late on payments or anything. Had about {$50000.00} in credit but only used a couple XXXX each month. Never financed with them. I think a class action suit should be filed on their taking rewards dollars from cardholders that were earned before paid and claiming I forfeited my rewards. Bad company practices by synchrony bank and companies should find a better bank to deal with because this effects merchants also.
Consumer complaint received 2021-06-27
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CITIBANK, N.A. (TX)

Macys is on my credit report since XXXX reporting a charge off account. Macys reported a unpaid debt to IRS using form XXXX for XXXX or XXXX taxes. I tried to payoff the debt with Macys on last year due to Macys continuing to report the debt as unpaid each year which results in lowering my XXXX XXXX and XXXX  of credit with other merchants. They continue to keep reporting on my credit report and the date of removal went from dropping off in XXXX to XX/XX/XXXX and now XX/XX/XXXX. I called Macys to payoff off the amount but per Macys representative the debt was too old and passed statue of limitations. So they continue to allow the debt to remain on my credit and report as a charge off and continue to change the drop off date for removal. If XXXX form is used as The Form XXXX denotes debts that have been forgiven by creditors. It is also known as a cancellation of debt. According to the IRS, lenders must file this form for each debtor for whom they canceled {$600.00} or more of a debt owed to them, why continue to update the report as a charge off? In the past Macys stated they will sue me for this debt but when I finally had the money to payoff the debt, Macys would not accept the full payment because the debt was old. Since the debt is pass the statue of limitations and can not be listed as new debt, Macys should not or continue to update on my credit report! Macys is damaging my credit by how they are reporting to all 3 Credit Bureaus and also they wont allow for me to payoff this debt so this is damaging my credit!
Consumer complaint received 2021-06-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BBVA FINANCIAL CORPORATION (VA)

I opened a new checking account with BBVA on XX/XX/XXXX after my last account was compromised. I opted out of any overdraft to be paid. I incurred a overdraft fee on XX/XX/XXXX because I didnt have enough fund to cover my life insurance payment. The overdraft fee was {$32.00}. My account was brought current. On XX/XX/XXXX I incurred a another fee on XX/XX/XXXX for {$32.00} also. My account was brought current. On XX/XX/XXXX my account incurred a overdraft fee of {$32.00} from a life insurance payment ACH. On XX/XX/XXXX a deposit of {$100.00} was sent to my account via XXXX XXXX, my account was in the positive. On the XX/XX/XXXX I received {$2200.00} from the IRS so my account was also still current at the time of the deposit. On XX/XX/XXXX a item my the XXXX was presented for {$250.00} and the bank paid the item without my authorization. My overdraft was off. I opted out of it when I opened my account then all of a sudden. BBVA has engaged in illegal practices continuously. When I called I was told it was turned on by default. Which makes no sense. The call drops and when I call back and get a representative the call hangs up this happened 3x.
Consumer complaint received 2021-02-06
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc (TN)

My name is XXXX XXXX and I own a XXXX that XXXX XXXX XXXXXXXX XXXX XXXX XXXX which include a fully automated robot. This software is available on XXXX XXXX 

For 8 years I have maintained an account with PayPal and run all XXXX XXXX  through them, including but not limited to invoicing, collecting payments, paying XXXX XXXX, XXXX, XXXX XXXX  etc. In addition I pay myself as needed to pay my personal expenses. 

On Friday XX/XX/2021 I was notified by PayPal via email that my account was being closed and all funds were going to be held for 180 days. There is over {$240000.00} in that account. My life savings. 

The email was generic which claimed that I have breeched their policy and the email claimed fraud. This is a general email.

I appealed the decision and within 1 hour was denied. 

PayPal has given no reason, not allowed me to speak with the person ( s ) liable for the decision in this matter and will offer me no opportunity to defend myself or the allegations. 

I have been denied due process and as all my savings were in PayPal I will be unable to meet bot business and personal expenses which include my mortgage, car payments groceries and life and health insurance! This during a pandemic! 

PayPal has no regard for the inaccuracy of their action, has denied me even the ability to respond to an open complaint from PRIOR to closing my account and is acting in a manner that should be illegal. 

In fact, PayPal has lost several class action law suits based on this behavior and clearly feels that it is in their best interest to continue to harm the " little '' guy. 

I need my money. I am XXXX and can not afford to have my life insurance or health insurance lapse. 

Please help. 


Kind Regards,
Consumer complaint received 2021-02-03
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ark-La-Tex Financial Services, LLC (TX)

I was approved for the down payment assistance program but now they have denied me and want to switch me out of the loan and start a new loan with higher interest and bigger down payment. They had sent me the confirmation that the down payment assistance and interesr rate was locked but they want to renege on their commitment bc market rates are going back up.
Consumer complaint received 2021-02-05
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: Experian Information Solutions Inc. (NY)

During my XXXX divorce, I was left with an XXXX balance on a XXXX credit card and no way to make the payments. XXXX reached out with a settlement offer about the same time as I was considering bankruptcy. I consulted with XXXX XXXX of XXXX XXXX about what would be the better option for my credit report. My plan was to obtain a mortgage and purchase a property to flip and start to support myself, so I wanted to impact my credit the least amount possible. Mr XXXX drafted a letter to accompany my check requiring XXXX to agree to delete all negative reporting info in exchange for cashing the check .... or that they needed to return it. The letter was XXXX clear. It was sent and even cashed by XXXX before the deadline they gave me. 8 months later, XXXX is still reporting it as a charge off and settled for less than amount owed. Clearly negative info. They have been contacted several times by both Mr XXXX and myself, but they decline to return the calls. Mr XXXX has drafted FIVE letters over the last 8 months to each of the 3 credit reporting agencies and enclosing copies of the same items for them to review. All we get in return is a form letter saying the info has been verified as accurate. Clearly providing them proof of the agreement isnt helping. I have lost out on several different properties due to the impact this item is having on my score. It is the only negative mark and causing me to be offered a rate 2x the regular one. The letter clearly stated that by cashing the check, they agreed to the terms and that if they did not, the deal was not ok with me.