davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

I reviewed my consumer credit report and noticed I had two late payments on an account that I for sure paid on time. The consumer reporting agencies have assumed a vital role and have a responsibility to report my consumer information with maximum accuracy. I for sure paid my account on time and was not late on the months in question. I have included screenshots inside this complaint of the inaccurate payment reporting on dates XXXX. Please investigate and provide proof with statements showing that these payments were paid late. If proof can not be provided, I demand these payments be updated to paid as agreed on time. I paid the payments on time ; my credit report should reflect that. Thank you! Please see screenshot attached.
Consumer complaint received 2024-02-22
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. (CA)

I reviewed my consumer credit report and noticed I had two late payments on an account that I for sure paid on time. The consumer reporting agencies have assumed a vital role and have a responsibility to report my consumer information with maximum accuracy. I for sure paid my account on time and was not late on the months in question. I have included screenshots inside this complaint of the inaccurate payment reporting on dates XXXX. Please investigate and provide proof with statements showing that these payments were paid late. If proof can not be provided, I demand these payments be updated to paid as agreed on time. I paid the payments on time ; my credit report should reflect that. Thank you! Please see screenshot attached.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

I reviewed my consumer credit report and noticed I had two late payments on an account that I for sure paid on time. The consumer reporting agencies have assumed a vital role and have a responsibility to report my consumer information with maximum accuracy. I for sure paid my account on time and was not late on the months in question. I have included screenshots inside this complaint of the inaccurate payment reporting on dates XXXX and XXXX. Please investigate and provide proof with statements showing that these payments were paid late. If proof can not be provided, I demand these payments be updated to paid as agreed on time. I paid the payments on time ; my credit report should reflect that. Thank you! Please see screenshot attached.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

I reviewed my consumer credit report and noticed I had two late payments on an account that I for sure paid on time. The consumer reporting agencies have assumed a vital role and have a responsibility to report my consumer information with maximum accuracy. I for sure paid my account on time and was not late on the months in question. I have included screenshots inside this complaint of the inaccurate payment reporting on dates XXXX and XXXX. Please investigate and provide proof with statements showing that these payments were paid late. If proof can not be provided, I demand these payments be updated to paid as agreed on time. I paid the payments on time ; my credit report should reflect that. Thank you! Please see screenshot attached.
Consumer complaint received 2024-06-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lexington Capital Holdings LTD (CA)

I would like to report a case of fraud from a company called XXXX XXXX XXXX and a representative named XXXX XXXX. I was first contacted by a rep from XXXX named XXXX and he asked me if I could use a line of credit up to XXXX dollars with no interest for a year. After a few more calls he got me to send my credit and fill out an application. They said I qualified for XXXX dollars and sent me a contract. I later received a call saying I should have received a credit card in the mail from XXXX and to open it, activate it and pay them XXXX off of the card. I called the bank and the bank said that this was a credit card and not a line of credit and they do not work with third parties and that this was fraudulent. They canceled the card and told me to contact all agencies to report it. I never spoke with a XXXX representative about the card before they sent it and there was no rep there with any knowledge of XXXX or this company. I then remembered you had called and had contact with them. This company is now trying to extort me for XXXX claiming they will send me to collections for not paying them for a credit card from my own bank. Im am sure a reputable bank like yourselves would not knowingly have a relationship with this criminal group. I would appreciate any further information about this company as I plan to pursue this to the highest level possible. I would appreciate any help from you on this matter. Thank you
Consumer complaint received 2024-02-21
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. (CA)

I reviewed my consumer credit report and noticed I had XXXX late payments on an account that I for sure paid on time. The consumer reporting agencies have assumed a vital role and have a responsibility to report my consumer information with maximum accuracy. I for sure paid my account on time and was not late on the months in question. I have included screenshots inside this complaint of the inaccurate payment reporting on dates XXXX23 and XXXX/23. Please investigate and provide proof with statements showing that these payments were paid late. If proof can not be provided, I demand these payments be updated to paid as agreed on time. I paid the payments on time ; my credit report should reflect that. Thank you! Please see screenshot attached.
Consumer complaint received 2024-07-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION (GA)

XX/XX/XXXX I walked into the branch and opened a checking account. Same day of opening the account i cashed my settlement check of a little bit over {$5000.00}. I took {$500.00} from the check after it was cashed. Same day my wife XXXX me {$2000.00} for rent. 
XX/XX/XXXX my account was closed and could not access funds. 
XX/XX/XXXX the check was mailed out per the fraud department that i was directed too from the branch. 
It is now XXXX XXXX and there is still no information on where my check is.
Consumer complaint received 2024-07-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC (MO)

On XX/XX/year> I tried to make a payment to NewRez by Phone and computer to no avail. I was not able to make the payment via internet or by phonr after waiting XXXX hour. My payment was due on the XXXX of every month with a XXXX  day Grace period. But recently it cant .be done by computer or phone only by mail and the mail is not posted until XXXX weeks causing late payment fee.
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

I reviewed my consumer credit report and noticed I had XXXX late payments on an account that I for sure paid on time. The consumer reporting agencies have assumed a vital role and have a responsibility to report my consumer information with maximum accuracy. I for sure paid my account on time and was not late on the months in question. I have included screenshots inside this complaint of the inaccurate payment reporting on dates XXXX. Please investigate and provide proof with statements showing that this payment was paid late. If proof can not be provided, I demand these payments be updated to paid as agreed on time. I paid the payments on time ; my credit report should reflect that. Thank you! Please see screenshot attached.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

I reviewed my consumer credit report and noticed I had XXXX late payments on an account that I for sure paid on time. The consumer reporting agencies have assumed a vital role and have a responsibility to report my consumer information with maximum accuracy. I for sure paid my account on time and was not late on the months in question. I have included screenshots inside this complaint of the inaccurate payment reporting on dates XXXX. Please investigate and provide proof with statements showing that this payment was paid late. If proof can not be provided, I demand these payments be updated to paid as agreed on time. I paid the payments on time ; my credit report should reflect that. Thank you! Please see screenshot attached.
Consumer complaint received 2024-02-21
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. (CA)

I reviewed my consumer credit report and noticed I had two late payments on an account that I for sure paid on time. The consumer reporting agencies have assumed a vital role and have a responsibility to report my consumer information with maximum accuracy. I for sure paid my account on time and was not late on the months in question. I have included screenshots inside this complaint of the inaccurate payment reporting on dates XXXX. Please investigate and provide proof with statements showing that this payment was paid late. If proof can not be provided, I demand these payments be updated to paid as agreed on time. I paid the payments on time ; my credit report should reflect that. Thank you! Please see screenshot attached.
Consumer complaint received 2015-06-03
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: FRANKLIN FIRST FINANCIAL, LTD (RI)

I was pre-appreoved for a mortgage in XX/XX/XXXX/XX/XX/2014 with Franklin First Financial. I was directed into an FHA mortgage because of my troubled credit history. I was not made aware of the up front funding fee or the annual insurance premium until days before the closing. Yes, I was provided with disclosures, whether they were provided timely I am not sure, but they were not explained to me, rather I was told I needed to sign them or the loan would be declined. 
During the course of the process, my lender was not transparent and was often impossible to contact to help answer routine questions. I asked several times a week when I could epxect an estimate on closing costs, I didnt receive the final GFE until 2 hours before the closing. I was quoted 4 % the entire time, I questioned why the application said 4.5 % he said it 's because he had to 'throw any rate in ' to complete the application. The night before the closing I learned this was my rate and there was nothing I could do about it. Mysteriously, an XXXX $ credit appeared on the HUD settlement statement to help offset the increased rate, but this credit went directly to the seller as he was responsible for all closing costs according to the purchase and sales. 
The lender took well over 2 months to close this loan, which resulted in huge financial penalties to me. I stayed in my home I was renting two months longer than expected and the seller of the property lost his patience along the way and threatened to charge per diem and walk away from the deal many times creating a very stressful situation for me and my family. During the course of this, I recieved a denial letter in the mail after being told by the lender the same day that I would be closing the next week. The underwriter was mistaken, and I had to provide knowledge of rule changes in order for the bank to proceed. The seller, who will be recieving his own series of complaints, held our deposit in his personal account and spent it, prior to closing. We were pre-approved with another lender and wanted to go to him but we could n't do so because our deposit was spent and our seller threated to walk away if we did n't close. 
Further, the seller was in contact with the closing attorney 's office the day of the closing making changes to the HUD up to 30 minutes before the closing, adding miscellaneous fees and costs to reduce the amount of his closing costs, without my knowledge or consent. At closing, I was asked to write a check for XXXX $ which was the additional deposit amount required when I made a change to the purchase and sales changing the purchase amount from XXXX to XXXX. I already paid this difference via check to the seller and the lender failed to request evidence of this payment prior to closing, so as a result I was forced to pay it again and told to 'ask for it back ' from the seller ( who had been so reasonable throughout. ) I could go on and on, and I 'd be happy to, but I feel that I 've provided enough information to get an inquiry started.
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.
Consumer complaint received 2024-03-25
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: WELLS FARGO & COMPANY (TX)

I have a business credit card linked to my business checking account at Wells Fago. In XXXX, Wells Frago converted my credit card from XXXX to XXXX without my request. When I tried to download my credit card transactions to do my taxes for XXXX, Wells Fargo would only give me access to the Mastercard transactions that represent my charges in XXXX and XXXX. They did not provide access to my transactions from XXXX to XXXX through XXXX. I contacted Wells Frago and they said the only thing they were willing to do was to send me PDFs showing transactions through XXXX. I now have to keyboard in dozens, if not more than XXXX transactions. Here is the email sent by Wells Fargo prior to changing my credit card provider : " On XX/XX/XXXX, your current Wells Fargo XXXX XXXX XXXX XXXX will be converted to a Wells Fargo XXXX XXXX Credit Card, with enhanced XXXX XXXX XXXX benefits. 

What you need to know : Your new XXXX account will be visible in online banking before the card is mailed. 
Continue using your XXXX card until your new XXXX arrives. 
Your XXXX will be mailed between XX/XX/XXXX and XX/XX/XXXX, please allow XXXX business days for delivery. 
Your new card will have a new account number, expiration date, and security code.1 Once your new card arrives, confirm receipt at XXXX, or by calling XXXX. 
Your current XXXX will be deactivated after you confirm receipt of your XXXX, or on XX/XX/XXXX, whichever is first. 
Destroy your old card and any XXXX tied to the old account. 
Replace the card in your digital wallet2 and update your account details with merchants that charge your card automatically or have your card details on file.1 Review and update any alerts in online banking.3 ''
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

I reviewed my consumer credit report and noticed I had two late payments on an account that I for sure paid on time. The consumer reporting agencies have assumed a vital role and have a responsibility to report my consumer information with maximum accuracy. I for sure paid my account on time and was not late on the months in question. I have included screenshots inside this complaint of the inaccurate payment reporting on dates XXXX. Please investigate and provide proof with statements showing that these payments were paid late. If proof can not be provided, I demand these payments be updated to paid as agreed on time. I paid the payments on time ; my credit report should reflect that. Thank you! Please see screenshot attached.
Consumer complaint received 2024-06-25
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: STATE EMPLOYEES CREDIT UNION (FL)

A small {$XXXX} line of credit account was opened in XX/XX/XXXX with my primary bank at the time, XXXX XXXX  state XXXX 's XXXX XXXX. The account was paid on time, paid as agreed until it was closed by my request in XXXX of XXXX. As of XXXX, I discovered that XXXX was reporting blatantly inaccurate and false information about this account. In XX/XX/XXXX, I filed a series of disputes with XXXX and contacted the data furnisher, XXXX by phone. After a series of failed attempts to correct the information, I filed a formal dispute with XXXX in XX/XX/XXXX by mail. Attached are the results of the disputes with XXXX and with the XXXX, XXXX. All attempts to resolve the reporting errors through the formal dispute process were unsuccessful. XXXX stated in the letter dated XX/XX/XXXX, that the account was updated to report as paid and closed however XXXX 's reporting of this account remains riddled with errors including reporting this account as too new to rate. 

The account reporting errors as recorded by XXXX currently include, but are not limited to the following : Reporting the account status as " Too New To Rate, '' reporting the close date as XXXX, when the account was closed in XX/XX/XXXX at the request of the consumer, High Credit was {$XXXX} for which the balance at closing was {$XXXX, Date Reported should reflect soon after the account was closed in XXXX, not XX/XX/XXXX. 

This complaint is being filed for the purpose of resolving the errors currently reporting on this account and to bring attention to inadequacies of the XXXX dispute process.
Consumer complaint received 2024-02-21
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. (CA)

I reviewed my consumer credit report and noticed I had two late payments on an account that I for sure paid on time. The consumer reporting agencies have assumed a vital role and have a responsibility to report my consumer information with maximum accuracy. I for sure paid my account on time and was not late on the months in question. I have included screenshots inside this complaint of the inaccurate payment reporting on dates XXXX and XXXX. Please investigate and provide proof with statements showing that these payments were paid late. If proof can not be provided, I demand these payments be updated to paid as agreed on time. I paid the payments on time ; my credit report should reflect that. Thank you! Please see screenshot attached.
Consumer complaint received 2024-06-23
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (TN)

Several things happened, but here are a few. PayPal charged me fees for insurance or some sort of security plan multiple times. I personally dont know how many time they charged me but I received a refund for one charge, but not sure about others. I is so complicated because they charged me for this several times. I observed it this month. I never subscribed to any insurance plans. I noticed one of these unauthorized charges on my statement, canceled it, and got a refund. 

There are other unauthorized charges by PayPal, but I dont have time to go through all of them. My main concern is that PayPal enrolled and charged me for something I never subscribed to. Interestingly, you dont even receive a notification when PayPal does it. This means that if someone is not observant of these kinds of plans they never subscribed to, they can lose money on this even when they dont want it. I was smart enough to look at my statements, so I canceled it, but what about people who dont look at their statements at all? 

By charging multiple amounts like {$3.00} without my choice and permission, PayPal is scamming its customers. If they charged it to me, they are likely doing it to thousands or millions of other credit card customers. So they are making millions of dollars from this scam. 

They charged me for other random stuff too like I dont remember but something like a overdraft fees even when I paid on time. They refunded overdraft fees when I pointed its wrongfully charged. Imagine if I am not an observant person PayPal would rip me off. This type of wrong charges dont happen with other cards I have. Something is off with PayPal card services.

PayPal is practicing illegal and unethical tactics. They need to stop. They dont have a dispute option on the app, and calls have long wait times to fix problems. I have many other credit cards, but none of them ever charged me for fraudulently for services I never subscribed. I filed some complaints against them to dispute transactions, and they temporarily fixed it, but after some time, without any notifications, they charged me the disputed payment again. I am not able to read my past statements because they are not loading in the app. PayPal is a monopoly standing on pillars of greed beyond ethics.