davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-21
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. (TX)

I was shocked when reviewing my credit report and found late payments on the dates below : 30 days late as of XX/XX/XXXX and XX/XX/XXXX XXXX all 3 bureaus ) I am not sure how this happened. I believe I made my payments to you when I received my statement. My only thought is that my statement did not get to me.
Consumer complaint received 2017-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TN)

Experian data breach revealed a number of addresses in their file which they called residential of mine but were actually workplaces, my former wifes address, etc. they alsoreessed a huge number of reports on me despite a freeze I requested due to a data breach at a prior employer. I am noe being turned over to collection agencies and I want it to stop.
Consumer complaint received 2017-09-15
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. (WA)

Equifax 's negligent, fraudulent mismanagement of client security data is beyond reproach. Their lack of security exposed tens of millions of consumers to identity theft and financial ruin. I was among those who had their data compromised and I demand an immediate inquiry into the company and suitable repercussions for the crimes they have committed by losing this information.
Consumer complaint received 2017-09-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (LA)

I was told I could not get modification ok.so I was read on XXXX XXXX XXXX web hardest hit funds programs and XXXX XXXX XXXX home equity assistance or and repayment plans of up to 12 months to help catch up on a past due payments and I was not told about this forbearance I can do that all so I did not no they had all these programs I only no about the modification program I found this on XXXX XXXX XXXX web I do n't need my payment to be reduce i can pay that and all so and extra {$500.00} a month to caught up I 'm out of work because I was XXXX by a lady and she was very XXXX and that why I 'm out of work these last four year I ben having not such good luck first I had XXXX XXXX and I beat that thank to XXXX and now XXXX XXXX XXXX XXXX and both of my XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I have XXXX XXXX XXXX XXXX I did not ask for this. all I 'm ask for to be able to pay a full note and {$500.00} extra thank u
Consumer complaint received 2017-10-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: JPMORGAN CHASE & CO. (FL)

The complaint is against CHASE credit card services. I have a checking account and also auto loan with them. They offered a balance transfer with 15 months zero interest. I asked for about {$2700.00}, and I was approved immediately. Yesterday XX/XX/2017I received the card in one mailing, and then a letter in a second. The second said " Update : Your credit card application is approved but no balances transferred. '' The reason cited : " PA-The payee address is unknown ''. CHASE does n't know the payment address for a competitor, XXXX? I called and the agent said the reason was a $ 150+ transfer fee. My response was to order him to close the account. This is bait & switch. Today I wrote to a letter XXXX XXXX XXXX, Executive VP Chase Card Services. Her name was on the cover letter with the card. I do n't know if she is really the one to address this problem. I copied XXXX XXXX, who was the CEO of Credit Card Services. I do n't know if he still is there.
Consumer complaint received 2017-09-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. ()

I already closed my credit card.
I contacted citibank to close my account.
They agreed to close those.
So I asked them my balance ( to pay all balance ) Then I paid those off in full which they told me.
After couple month later.
They said I have past bill.
I tried to contact them but no answer.
Consumer complaint received 2020-12-21
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. (PA)

I have Unauthorized accounts & inquiries on my Credit report. According to the Fair Credit Reporting Act, you are required by federal law to verify Any Unauthorized items on my report must be removed if not % 100 accurate & Verifiable. Please Remove this From my report I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed.
Consumer complaint received 2020-12-22
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have tried several times to dispute this account, but this XXXX XXXX account is still on my report, and negatively affecting my score. 
XXXX XXXX  account has passed the statute of limitations, but on my credit report a debt with an expired statute of limitation is still listed. 
Please find attached file.
Consumer complaint received 2020-12-22
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. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO REPORTING FALSE ALLEGE DEBT ON MY CONSUMER REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS WHICH IS A DIRECT VIOLATION OF THE FCRA. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.
Consumer complaint received 2017-09-15
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. (WV)

I realized my credit file was mismerged with a close relative, who, happens to have a similar name and middle initial. While the relative has a comparable name, their gender, birthdate and SS number are entirely different from my own. Furthermore, my relative 's address differs from my own as well. 

I filed a online dispute with Equifax. On the same day I dispatched a dispute email to the credit reporting agency. Shortly after I initiated the dispute, I received notice the reinvestigation was " complete. '' The notification from Equifax stated my ( new ) report was available for " review. '' After I reviewed the ( newly issued ) credit file I was surprised to learn the CRA failed to delete the inaccurate information. Simply, my family members personal identifying information continues to linger in my ( mixed ) credit file. 

I notifed Equifax on several occasions my file was " mixed, '' however the CRA ignores my claims and fails to delete the inaccurate data. Equifax reported, shared and continues to spread unreliable data for a fee. Instead of verifying the information and creating a new file, Equifax muddled our data together. 

I have evidence of the merged data, the correspondence of both parties, as well as the confirmation numbers pertaining to the disputes.
Consumer complaint received 2017-09-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK (GA)

While trying to obtain a mortgage, I discovered that my credit score had decreased from over 800 to less than 660. Upon further investigation, I was informed that a Discover Card was listed as delinquent on my account. The account, evidently, belonged to my former wife from whom I have been divorced for well over 3 years. She XXXX XXXX in XX/XX/2017. I have requested documentation showing proof I am the responsible party. I have spoken with Discover for several hours over more than 6 separate calls. They have supposedly closed the account and filed a claim that the account is fraudulent. They have not corrected the credit reporting and they are calling me about the collection of the account. I request that the reporting be updated immediately showing no delinquent activity and no responsibility for the account or I request proof that I signed as responsible for the account. This error is costing me thousands of dollars in finance charges because of the negative credit reporting. I have asked to pay the past due balance to help alleviate the issue of the negative reporting on my credit bureau account and Discover has stated on XX/XX/15 at XXXX XXXX via XXXX that I am not allowed to make a payment on the account.
Consumer complaint received 2017-10-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (TN)

National Credit Systems has failed to provide itemized documentation for the account that is listed on my credit report. The last activity on this account was XX/XX/XXXX and for the state of TN the statue of limitations is 6 years. I want this account removed immediately. I have repeatedly disputed this account over the years and it always comes back verified without documentation being provided to me. I was denied a job due to this one and only collection on my whole report. I 'm not able to qualify for a mortgage loan as well until this is rectified. I need this corrected as soon as possible. I recently disputed this via XXXX and it came back on the XX/XX/XXXX day as verified again.
Consumer complaint received 2017-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Conn's, Inc. (AZ)

Conn 's installment Account Number XXXX Amount Due {$1800.00} Due Date XX/XX/2015 I 've paid and settled this account over a month ago. 
I was told that i would receive a letter stating that the account is paid and settled with a XXXX balance. 
I have not received the letter and my credit is still not updated. 
I am in the process of buying a home and this is the last condition in order for me to close on my loan. I have XXXX children and we are all living in a hotel room until Conn 's update my credit report or send the letter so I can provide that to my lender for a Rapid rescore.

I 've also disputed this account, after the account was settled Conn 's still reported that I owed $ 1,800+ on this account a few days ago. The dispute was closed and nothing was updated. I have called Conn 's more than 4 times a week for the last 6 weeks with no resolution.
Consumer complaint received 2017-10-15
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (GA)

On XXXX XXXX, XXXX, I became aware that several credit inquiries had been made on my credit report. These inquiries were the result of identity theft, in which someone used my personal identifying information to apply for and or obtain credit cards and make fraudulent purchases. One of the credit cards applied for was an XXXX credit card issued by Synchrony Bank. I contacted Synchrony Bank and let them know of the fraud. I then followed up with a request for the information used in opening the account, including the IP address. I included the name of the investigator working on the case, a notarized Affidavit of Fraud and a copy of the police report.This was mailed on XXXX/XXXX/XXXX. I did not receive the information that I am entitled to under the Fair Credit Reporting Act. As I have stated, I am entitled to this information by law. I would like to find out who has done this and the information I requested may help me to do so.
Consumer complaint received 2017-09-15
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL (TN)

I had Fraud on my checking account for a couple of moths that caused my payment to JCP to be returned in the amount of {$160.00}. I submitted the documents to XXXX XXXX, spoke to them on the phone and all I continue to get is letters in the mail that does not resolve my issue. They waived the late fee and stated that since it was a bank issue do to fraud that they would remove the 30 days late. It still appears as 30 days late on my credit report and I have been denied credit numerous times because of it. I am asking that they remove the 30 day late marker on all 3 of my credit reports.
Consumer complaint received 2017-09-15
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)

My account was compromised and Equifax took their time and notifying me. 

Previously my life was ruined because someone stole my identity .... Which is why I had Equifax in the first place. 

They had a breach and dis not notify their clients. That is wrong.
Consumer complaint received 2017-09-15
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Colony Brands, Inc. (AR)

My complaint is against XXXX 's XXXX XXXX. This company is reporting that I have an alleged debt of {$230.00} owed to them. I have have spoken to them several times on the phone and sent them letters. My conversations that I have had date back to XXXX. I spoke with individuals in their collections department. I recently sent XXXX different letters requesting documentation. My first letter this year was in XXXX XXXX and the second was XXXX XXXX, XXXX. My verbal conversations and my letters are all based on the same premise. I want an audited statement of my account that validate that I owe {$230.00}, as they have reported to my credit reports. I want to see how they came to this. The account XXXX should have a history of payments from its conception. I want that history of payments. I have NOT in any way received anything that I requested. Instead, they responded to my XXXX letter by telling me that my attempt frivolous and not sending me any of the documentation that I requested. Frivolous, I do not not see how that is so. I have a right to see these documents if XXXX 's says that I owe this debt. Their response to my XXXX letter was a vague letter requesting that I send a form if I feel that my identity has been compromised. THIS was not in any way a response to the letter sent. I have been left dumbfound by this company. They will not do as I ask AT ALL and I have the RIGHT to the information that I have requested. On XXXX XXXX, XXXX I got a notification from the credit bureau that a new XXXX XXXX has been launched by XXXX 's. I have no idea what that is nor do I think they have the right to put something like that on my credit report without ANY advanced notification. I feel violated by this company. Where are my rights? They are functioning as though I do not have any. These violations constitute as my complaint.
Consumer complaint received 2017-09-15
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. (AZ)

XXXX 's installment Account Number XXXX Amount Due {$1800.00} Due Date XX/XX/2015 I 've paid  and settled this account over a month ago. 
I was told that i would receive a letter stating that the account is paid and settled with a XXXX balance. 
I have not received the letter and my credit is still not updated. 
I am in the process of buying a home and this is the last condition in order for me to close on my loan. I have XXXX children and we are all living in a hotel room until XXXX 's update my credit report or send the letter so I can provide that to my lender for a XXXX XXXX. 
I 've also disputed this account, after the account was settled XXXX 's still reported that I owed $ 1,800+ on this account a few days ago. The dispute was closed and nothing was updated. I have called XXXX 's more than 4 times a week for the last 6 weeks with no resolution.
Consumer complaint received 2017-09-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

The website will not allow me to make payments. Every time I try I get an error alerting me that the option is n't available at this time. I first contacted Capital One in XXXX regarding this error and they had no solution except to make payments over the phone. Up until that date I had made the payment every XXXX of the month without exception. I was forced to make a payment over the phone on XXXX on the XXXX and was charged a late fee. The rep assured me the problem would be fixed soon and removed the late fee. For XXXX and XXXX I again had to make the payment over the phone because the online system is still not working. For the XXXX payment I attempted to make the payment online and was denied that service again so I went to make the payment over the phone. What Capital One failed to disclose prior to that phone call is that any payment made by phone after XXXX would not count as same day but would be posted next day and I would be subject to a late payment even though I made the payment at XXXX and was forced to do so because their online system was still broken. It is XX/XX/XXXX and they have in fact charged me a {$35.00} dollar late fee. I have attempted to contact their customer service centers multiple times but they always say there is a 3 minute wait and I end up waiting for more than 30 minutes and getting disconnected. My last 3 attempts to contact Capital One have resulted in holding 30+ minutes and getting disconnected. 

I have attached a picture of the error I receive and of my payment history.
Consumer complaint received 2017-10-15
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: Experian Information Solutions Inc. (SC)

Dear XXXX, XXXX XXXX, and Experian! ( Including all other Credit Bureaus known and unknown ) Please provide the Consumers of America with the Original contract with wet ink signatures that granted you our Permission to hoard our personal information. Failure to provide this contractual agreement to each and every Consumer constitutes a privacy right violation according to the Privacy Act of 1974. The Privacy Act of 1974 also serves as a Public notice on the behalf of all Consumers in each State including the District of Columbia due to XXXX being a publicly traded company! We the Consumers have grown tired of the false and misleading practices you have portrayed!! Protraying False and Misleading Practices are also violations of FEDERAL LAW! 15 USC 1692 ( e ). All Consumers demand that all Personal information retained in your companies systems be removed immediately and damages of XXXX XXXX Dollars ( USN ) backed by gold be credited daily to each Social Security Number Available in your system. Consumer 's name and personal information ( which are copyrighted as intellectual property ) has been leaked by your company has continued too injured Consumers daily as your Systems are primitive in Nature!!
Consumer complaint received 2020-12-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: GOLDMAN SACHS BANK USA (TX)

With my MasterCard, issued by Goldman Sachs on Apple Pay, I applied for an installment loan to purchase an XXXX XXXX aluminum. But after a few weeks, I changed my mind, canceled the order, and purchased an XXXX XXXX steel outright, without a loan. Apple sent a refund for my loan as a credit on my account for the aluminum watch : XXXX XXXX Refund - Apple Pay,XX/XX/20 for + {$540.00}. And even though the aluminum watch was returned two MONTHS ago, I am still being billed monthly payments for this original loan amount, which has now whittled down to {$410.00}, as of XX/XX/XXXX. 

Today I spoke to a Goldman Sachs rep who said that I CAN NOT pay off the {$410.00} on the original loan now/today, and that I MUST continue to make monthly payments from my credit card account over the course of a year, even though I have closed my account. THEY WILL NOT LET ME PAY OFF THE BALANCE of the loan in advance! 

The problem is that I ALSO have two credits from two refunds on the revolving credit part of my card, and these two refunds total + {$620.00} on my statement as of XX/XX/XXXX, and I can not receive any of the + {$620.00} UNTIL the YEARS installment loan payments have finished.
Consumer complaint received 2017-10-15
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: ALLY FINANCIAL INC. (NJ)

XXXX XXXX XXXX/XXXX/XXXX Ally Financial XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX
Consumer complaint received 2017-10-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (GA)

I received an offer in the mail for XXXX Business Card promotion where I would get XXXX points after spending {$5000.00} in 3 months. I applied online with the promotion code and got approved. After receiving the card and before activating it, I called XXXX to verify my bonus eligibility since I had the similar card in the past. and they confirmed that I am eligible ( since I did n't have the same card in last 5 years ). 

I have spent almost {$3200.00} in first 2 months already and now they are telling me, I will not eligible for the promotion even I spent {$5000.00} in 3 months since I have had the card in the past. 

I am very upset and do n't know what to do next. These people are outright dishonest.
Consumer complaint received 2020-12-22
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. (CA)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.