davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-28
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (NM)

I owed Synchrony bank for a maxed out CareCredit account long enough that the account was charged off before I could start paying back the debt. However, I eventually did schedule regular payments. Through all of last year, I made XXXX monthly payments of {$150.00}, and XXXX payments of {$100.00}. When I checked my balance today, it had not been reduced by any amount since last years payments started. At that time, the remaining balance was approximately {$900.00}, and it still is, as though I have made no payments. When I tried to file a dispute with them, they were not available to take my call.
Consumer complaint received 2024-01-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (VA)

On XX/XX/XXXX I requested XXXX ( XXXX ID XXXX ) of Truist to close my account and stop any relationship with your bank. However I received email from Truist on XX/XX/XXXX to inform my digital statement is now available. When I check statement online I saw Ready Now Line XXXX is still open under my name of balance {$1000.00} with last Late Fee {$10.00} charged on XX/XX/XXXX. 
I first learned the existing of Ready Now Line XXXX when I called Truist after I was notified by Truist on XX/XX/XXXX that Overdraft fees have posted to your account. I told Truist that I did not open any line of credit account, such as Ready Now Line XXXX. 
On XX/XX/XXXX XXXX mentioned that this line of credit was opened in XXXX of XXXX. I told XXXX " no, that is not true. I did not open line of credit with Truist ''.
Consumer complaint received 2024-01-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (FL)

XX/XX/year> purchased a gold bracelet from The XXXX XXXX in XXXX XXXX with my American Express XXXX card. The bracelet broke apart and was damaged beyond repair after wearing it XXXX times between XX/XX/XXXX and XXXX. It was purchased for {$900.00}. On XXXX, XXXX  I wrote via email to XXXX XXXX  XXXX, XXXX  of Sales and marketing to request a complete refund. I provided several pictures and described the damage in detail. The quality of the bracelet was very poor and it was not " free from material defects '' but rather was of inferior quality. 
I got no response from the merchant. 
On XX/XX/year> I opened a dispute with American Express to dispute the {$900.00} charge. The charge was suspended and I was told the vendor had 90 days to respond. 
The merchant responded to AmEX noting the invoice stated " all sales are final ''. I then reopened the dispute on XX/XX/year>. At that time I sent a detailed email stating my complaint and my understanding of XXXX and Italian law ( " Warranty Law in Supply Contracts in XXXX '' and XXXX ( XXXX Consumer XXXX XXXX XXXX XXXX which specify that all products sold in the XXXX have XXXX implicit XXXX year warranty. I also sent XXXX pictures of the product damage. 

Once again, the merchant responded the same about the " final sale '' on the invoice. I immediately reopened the dispute because I think the merchants claim violates both Italian and XXXX XXXX and I feel that AmEx has a responsibility to back my dispute. Am Ex is currently waiting for further documentation from me.
Consumer complaint received 2024-02-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Specialized Loan Servicing Holdings LLC (NJ)

I do not know English, so I use translation. I used a home loan. However, I met with the company 4 times through a translator, but I could not solve my problem. I want to open an account online and follow up on my credit. They say they will open it, but they do not open it. I have paid extra money for 2 months, but I have not received statements, so I can not open my account. I can't see it online. My name is XXXX XXXX. Loan number ( sent by the company ). XXXX zip code. XXXX. XXXX. XXXX. XXXX XXXX
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (WA)

Attempted to get a free credit report ONLINE! 
Failed. Experian 's reason : -- - " We're sorry A condition exists that prevents Experian from being able to accept your request at this time. To obtain your Experian annual credit report, please mail your request to the address below using the Annual Credit Report Request form. 
Annual Credit Report Request Service XXXX XXXX XXXX XXXX, GA XXXX '' -- - This barrier prevents me from getting my report and Experian does it on purpose. 
Make Experian fix it's ONLINE access.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

A bankruptcy has shown upon the consumer report, XXXX, TransUnion XXXX XXXX currently is reporting information without consent of the consumer. when question, each entity stated " it is public information & consumer needs to contact company that furnished information. '' The courts presented a letter stating " NO BANKRUPTCY COURTS REPORT ANY INFORMATION TO CREDIT AGENCIES. '' The information STILL remains on consumer 's report & agencies refuse to remove.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

My Experian credit report, in the area that summarizes the score, shows that I have missed a payment. The actual credit report that shows all the lenders shows EVERYTHING ALWAYS paid 100 % of the time. My last correspondence from you, attached below states the Experian told you that information is correct. I have called them numerous times. Every employee I have talked to has said " Yes, I see that you have never missed a payment, but we can't tell you why it's showing that you did because we don't have that information. It looks like they are telling you they did. Can someone please let me know who is saying I was late? If they confirmed it with someone, then they must be able to tell me who to contact to fix it. As you will see by my attached report I have nothing on their report showing delinquent. I have also included my other two credit reports, both of which state my payments are 100 % on time. My score is XXXX XXXX higher with those companies. I am getting rates much higher due to this fraudulent Experian Credit Report. I don't think I should have to pay a lawyer to fix this when it seems pretty obvious I'm getting the runaround. Can you please protect me as you state you will? I appreciate your time and effort. 
Have a great day!
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

The information in this complaint contains that 2 of the 3 credit bureaus ( TransUnion and XXXX ) are denying my wife and I are rights as consumers as there are inaccurate information on both my wife 's credit report and my credit report in regard to a XXXX XXXX XXXX XXXX bankruptcies. 
Moreover, in relation to TransUnion, there has not been any representatives within this company that has been able to provide me any type of answer in regard to the " Improper Involuntary Bankruptcy Cases '', the XXXX XXXX and the XXXX that does not belong on either of our credit reports due to the attorney 's firm messing up the paperwork for both of these bankruptcies creating both of these, the XXXX XXXX XXXX XXXX XXXX to be done fraudulently. Additionally, I have asked numerous times different representatives within TransUnion on how to upload supporting documents for these 2 bankruptcies, the XXXX XXXX XXXX XXXX XXXX XXXX but have yet to receive any answer from TransUnion. 
Furthermore, by what the attorney 's firm did/created in this situation, it led me to becoming a victim of identity theft. As I received verification from the IRS from the 2 tax returns that they received for the XXXX Tax Year, after being audited from the IRS for this tax year. 
Moreover, in relation to XXXX, the representatives within their special services section ( dispute section ) did not do their " due diligence '' in regard to either one of these XXXXXXXX XXXX XXXX XXXX XXXX XXXX as they did not do the research that was needed to be done regarding these " Improper Involuntary XXXX XXXX ''. The supporting documents were uploaded to XXXX, however, the section within XXXX did not do any type of research into this documentation that was sent to them. Therefore, XXXX has ignored and is still ignoring the documentation from these bankruptcies as I received notice from XXXX that they were not willing to remove these " Improper Involuntary Bankruptcy Cases '' because XXXX has stated that these bankruptcies are legitimate and will stay on our credit reports. 
Furthermore, proving that XXXX did not do their research correctly into the information surrounding either one of these, the XXXX XXXX XXXX XXXX bankruptcies that was done on a fraudulent basis with the attorney 's firm and therefore, creating me to become a victim of identity theft with the IRS.
Consumer complaint received 2024-02-02
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (AK)

I RECEIVED AN INSERT IN MY MONTHLY STATEMENT THAT STATES SYNCHRONY BANK IS STARTING A {$1.00} FEE FOR ANYONE RECEIVING A STATEMENT IN THE MAIL. I PREFER MAILED STATEMENTS. NOT EVERYONE, ESPECIALLY THE XXXX, DO NOT HAVE THE CAPABILITY OF RECEIVING ELECTRONIC STATEMENTS. I BELIEVE THEIR NEW FEE VIOLATES WHATEVER REG STATES THEY HAVE TO SEND OUT A STATEMENT. WHY SHOULD THE ONES WHO WANT A PAPER STATEMENT BE PUNISHED? A LOT OF TIMES, EVEN IF YOU HAVE THE CAPABILITY OF RECEIVING AN ELECTRONIC STATEMENT, SOME XXXX HAPPENS WITH YOUR DEVICE AND A STATEMENT NEVER MATERIALIZES. 

THIS SHOULD NOT BE ALLOWED TO BE IMPLEMENTED. WHAT CAN YOU DO ABOUT IT?
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX  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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-02-02
Product: Credit reporting 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. (MI)

inquiry from XXXX XXXX XXXX XXXX. This is not mine. I've already reported this to XXXX. Transunion still hasn't removed this.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

The Texas Attorneys Generals Offices wrongfully place a child support debt on my account of over {$34000.00}. After contacting my Congressman office, the OAG did a review of my account and found that their reporting was indeed inaccurate. In fact, they acknowledge that they were clueless of why and or how they had the account in the first place as the account belongs to a different state. 

The OAG, zeroed out the balance but kept the account as accurate and remains. 

At the time of reporting even until today, I did not and do not owe the amount that caused the OAG to open and report a negative on my credit bureau. Whether the account was zeroed out ( as was done ) or if it was a {$1.00} off, the account was inaccurate and can not be considered accurate and shouldn't remain after the adjustments.
Consumer complaint received 2024-01-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (LA)

Ive never had any business or contract agreements with credit collection services. My usps tracking shows me that this company received my certified mail on XX/XX/year> which enclosed me requesting proof of debt validation more than 30 days had went by and still no response from this company, so I again then mailed another certified letter that this company received on XX/XX/year> according to usps tracking system in that letter enclosed was me asking that the debit be removed from my credit report and it still hasnt been removed this company is reporting this inaccurate information to the credit bureaus monthly and its has effected my credit score tremendously.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX and transunion both are falsely reporting a XXXX XXXX XXXX XXXX account, account number is XXXX and they are showing XXXX payments past due on the account. the account information should show balance as current with XXXX lates. i reached out to XXXX XXXX XXXX XXXX about this account and it should be updated to reflect XXXX late payments. the balance is XXXX
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (MI)

The Equifax credit report states that the account is closed but does not indicate the date it was closed. The report states that 99 months were reviewed, but there is no data available for the years XXXX through XXXX. The account is reported as being closed with an available credit balance in the amount of {$17000.00}. The report shows the account was opened XX/XX/XXXX and has been open for XXXX years XXXX months. If the account was opened for XXXX years and XXXX months from XX/XX/XXXX it would still be open today ( statement is mathematically incorrect ). The report shows that the account was charged off but does not indicate the date it was charged off. XXXX XXXX does not report the date that the account was closed which would allow them to report this account indefinitely. XXXX XXXX reports that the customer requested the account be closed but does not include the date this request was made. Please have XXXX XXXX provide proof that that the customer requested the account be closed and that they currently own the debt. Also please have them explain why they state that they reviewed 99 months but only reported 3 years. If 99 months was reported, it would show that the account was never late during that time period. Please have them explain why my account was referred to a debt collector in XXXX when the first delinquency didn't occur until XX/XX/XXXX.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I was denied credit line increase because the company pulled my transunion credit report and use the Transunion Rapid Default XXXX XXXX XXXX scoring system as I reached out to transunion to get information on this report and score I was told transunion has nothing to do with this scoring model by several representatives I am entitled to this infomercial because it was used to deny my credit the score reported on this model is XXXX in a XXXX to XXXX system while my XXXX and XXXX are XXXX plus these credit companies are making it harder and harder to have an accurate understanding of your score
Consumer complaint received 2024-01-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

I canceled services with XXXX XXXX XXXX due to the company was not paying the companies as promised with the debt consolidation. I received an email with the account being closed and amount of the refund that would be processed. After waiting a week and not funds were received, I reached out to Bank of America. The first rep I spoke with submitted individual claims for the amount ( {$170.00} ) but {$860.00} was not included in the claim. On XX/XX/23, another claim was opened for the amount. The claim was closed XX/XX/23 under unable to pay. I filed a complaint and was contacted by a resolutions specialist named XXXX, who stated that the rep never submitted the claim or documents. The claim was re-opened on XX/XX/23 by XXXX and XXXX submitted all the documents that were already on file. I have called in to the bank on several occasions and no one can provide any information to when my money will be returned. I was sent to the financial branch and was told by XXXX XXXX ( XXXX XXXX XXXX ) that all she can do is file a complaint but no one will contact me regarding the claim.
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I never received my letter of deficiency from XXXX XXXX XXXX XXXX.for a car loan back in 2015 they are reporting I owe full balance and I don't. Never was offer buy back chance either. After car was totalled in a car crash I had full coverage insurance and gap.
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

In XXXX & XXXX of XXXX I called Experian several times to correct my name, address, and employment. The customer service reps gave me a hard time. I was told I couldnt change my own information. Very rude people working at Experian. My acct is locked due to someone stealing my social security info during the pandemic. Every time I called I went through high risk and passed. It shouldnt been an issue. They kept transferring me around to different reps. By law I have rights to make sure my personal information listed on the 3 credit agencies are correct, so that my information wont end up in someone elses hands. Especially all the different addresses thats listed. Important information can go to the addresses thats listed. No one should be treated how I was treated. 

XXXX XXXX XXXX was very nice. Once I passed high risk they stated they would submit the changes. The only issue I have is they didnt correct the changes I asked.
Consumer complaint received 2024-01-23
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: ClearOne Advantage, LLC (MI)

XX/XX/XXXX clear one advantage offers to help reduce debt and stop high interest rates, and said able for them to help you have to at least have XXXX thousands in debt. So I send them credit cards debt XXXX XXXX  and a home credit debt for home improvement loans. Within 3 days they accepted both debt and inform me to close bank account with XXXX XXXX  which both debt was for, open an new account with different banks. So in XX/XX/XXXX I did just that. They sign me with XXXX  account to take money out of my checking account every month while they negotiate with bank to reduce debt. They stay I. Touch monthly letting me know they where still working with XXXX. So in XX/XX/XXXX they inform me that they got an offer on one of the debt and ask me to increase the withdrawal so I would have more money build up so I did they also said this for the credit card XXXX XXXX  and still negotiate with the home improvement credit. But on in XX/XX/XXXX I start getting foreclosure notice in the mail, so I call clear one advantage and ask what was going on! They said not to worry and disregard notice, so I did. And a copy days later someone came to my home and taped a notice on door about foreclosure about to take place in XX/XX/XXXX, once again call clear one advantage again they said take pictures and seen it to them and they would have lawyers look at them so I did, and next day they said it was not a court order so disregard, 2 days later more attorneys documents and threats to put me and my son out of my home and house going up for auction in XXXX, call again clear one advantage and they said that, that what third-party do. So on XX/XX/XXXX clear one advantage call me and said the debt for home improvement credit couldn't be reduced because of its like a home loan and there was nothing they could do! I cry and pleading with them to help me because I XXXX and my son is XXXX and have no where to go! They said sorry and hang up phone had to get foreclosure attorney and out of XXXX XXXX  so clear one advantage cost me an extra XXXX dollars