davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-14
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (TX)

I opened my account Synchrony Back in XXXX of 2020. I received a {$4500.00} credit limit. This is a car care card which means I can use for car parts, repairs, gas, tires or anything related to a car. I have paid them {$3300.00} in the last 12 months and if you get the average that means I have have paid over {$12000.00} in the past 4 years on a card that has a {$4500.00} credit limit. I have never missed a payment or defaulted. I have literally been trying to rebuild my life since the pandemic and I lost $ XXXX income on a monthly basis. Lost my home during the pandemic. Lived in a hotel with my family during the pandemic and now I am getting back into a good place financially and I paid {$1500.00} dollars on my Synchrony account in the last month and they reward me by changing my balance from {$4500.00} to {$3400.00} knowing full well that my credit utilization will report back at almost 100 % on this card. I feel that this predatory practice because I have had all the same accounts every month when I was paying Synchrony but now that I am attacking the high balance with interest rates at 29.99 % this was done purposely. I have paid off XXXX XXXX XXXX cards. Paid off XXXX XXXXXXXX XXXX card and paid another card down under 30 % utilization. I am aggressively attacking my credit and I feel that what Synchrony did was Predatory and unethical and I would like my credit restored back to what it was before this new limit impacts my credit negatively.
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IN)

I have pulled my consumer report and see that there's a collection account on my consumer report. I do not recognize this creditor. According the FCRA under 15 U.S. Code 1681b - Permissible purposes of consumer reports.

Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

A creditor needs my written consent to add anything to my consumer report, if I did not give this authorization that is a violation of the Fair Credit Reporting Act I have not given any verbal or written authorization for this reporting. The claimed original lender on the reporting says " XXXX XXXX ''. I do not owe XXXX XXXX as I have a official court ruling stating there's no balanced owed to this original creditor. Where is the information coming from?
Consumer complaint received 2023-08-28
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: FC HoldCo LLC (NJ)

XX/XX/2023 flagship credit acceptance and XXXX XXXX tan my credit. I was on XXXX XXXX thinking about refinancing and I never submitted my application after a refinance company reached out to me and I told them I wasnt ready to do anything that I didnt want to have my credit ran and they did it anyway I would like to dispute this
Consumer complaint received 2024-04-01
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. (VA)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple Reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so.
Consumer complaint received 2023-10-31
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Neon Newco Corporation (NY)

They froze my cards on there own i tried 40 times to authenticate and provided documents they always told me " No problem we will lift the restriction " 40x 's they told me this and also my Case Worker at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX I am 100 % XXXX Service Connected Veteran from the United States Marine.. The Bank is Brinks Bank & Trust Company, it is a Master Card Prepaid Debit card the even refused to update my informstion on the Brinks All Access Money Application.. Their # is XXXX XXXX The Compromised cards are XXXX XXXX XXXXXXXX XXXX and XXXXXXXX XXXX XXXXXXXX XXXX They charged me fees on these XXXX cards and then restricted them.. The two times the cards were delivered were left outside my apartment door on the floor with I being home both times.. Please help me.. Thank you so much.
Consumer complaint received 2023-09-19
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Paypal Holdings, Inc (VA)

I am getting emails every week about my PayPal account and that I have been charged a certain ( large ) amount on my PayPal credit card. I have PayPal account and I have not been charged but these emails are trying to get me to call them to complete the charge for opening a business PayPal. They are trying to scam me. They are sending it to my old email address. Here is one example : " Subject : welcome to paypal! 
Date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX Your request to open your Paypal Business account is processed. 
This account has been verified on your SSN and you can now accept credit card payments without hassle. We have charged merchant fees of {$640.00} from your checking account .It will reflect on your bank statement in XXXX hours.

If you haven't signed up for Paypal Business call immediately at XXXX as this may be a case of identity theft. 
Team Paypal Business XXXX Unsubscribe From This List | Manage Email Preferences '' And here is another : " Subject : Paypal invocie Date : XXXX, XXXX XX/XX/2023 XXXX XXXX ( UTC ) From : XXXX XXXX Reply-To : XXXX To : XXXX Hello, PayPal user you sent money to XXXX XXXX XXXX XXXX If you suspect any fraudulent activity related to this transaction, please report it by contacting XXXX. 
PayPal Alert : Payment Sent to XXXX XXXX XXXX For any concerns, please contact XXXX. 
You have sent a payment of {$590.00} USD. 
Unsubscribe From This List | Manage Email Preferences '' And here is another : " Subject : Thank you for being Paypal 's customer! 
Date : XXXX, XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX From : XXXX XXXX Reply-To : XXXX To : XXXX Hello, PayPal user you sent money to XXXX XXXX XXXX XXXX If you suspect any fraudulent activity related to this transaction, please report it by contacting XXXX. 
PayPal Alert : Payment Sent to XXXX XXXX XXXX For any concerns, please contact XXXX You have sent a payment of {$590.00} USD. 
Unsubscribe From This List | Manage Email Preferences
Consumer complaint received 2024-04-01
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. (WI)

I contend that the late payment entry is inaccurate. 

Under the FDCPA, it is my right to request validation of this debt and proof of the alleged late payment. 

I urge your agency to conduct a thorough investigation into this matter and provide me with the following information : Documentation confirming the date and amount of the alleged late payment. 


Thank you for your prompt attention to this matter. I look forward to receiving the requested documentation and resolving this dispute expediently.
Consumer complaint received 2023-09-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$39000.00} XXXX XXXX XXXXXXXX Balance : {$300.00}
Consumer complaint received 2024-04-01
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: Experian Information Solutions Inc. (MD)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2024-04-01
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)

I've noticed discrepancies in my payment history with XXXX XXXX XXXX as recorded on my credit report. My transaction history shows consistent payments, but my credit report indicates multiple late payments over 30 days. This includes incorrect listings in XXXX and XX/XX/XXXX, and XX/XX/XXXX. According to my transaction history, all payments were made on time. The listed late payments are inaccurate and have negatively affected my credit score. I request that XXXX XXXX XXXX reviews my account and corrects these errors. Please find the attached transaction history as evidence for the same.
Consumer complaint received 2023-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (SC)

I tried for a auto loan and the car lot tried pulling my credit report with Equifax. There was a block on my credit report, not a freeze, that I did not authorize! I spoke with Equifax at that time, to verify my identity, which was identified at that time! XX/XX/2023 I was notified from my bank that the block is still there! This is there attempt to take ownership of my files! This is and injustice to me as a consumer
Consumer complaint received 2018-12-31
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CT)

Predatory lending violation via telemarketing by 2 XXXX XXXX Wells Fargo telemarketers to an elderly couple violating CT state predatory lending laws to the elderlyand especially to an XXXX & XXXXyr old couple with XXXX and XXXX. The elderly couple were enticed into a 30yr refi via landline by 2 telemarketers from another state. No mortgage protection insurance was offered, no attorney was available to protect the borrowers. There was no understanding by the elderly couple of what was transpiring. Undo pressure was placed upon them by the telemarketers. The fraudulent telemarketers knew there was no way an XXXX & XXXX yr old couple could live for 30 years or survive to repay a loan on one income should and when one of them died. The telemarketers were only interested in their commissions & not one humane thought was given to the elderly couple. Telemarketers knew couples inability to repay the loan would render the survivor homeless or into foreclosure. Couple has since passed away & as their daughter, I was quit claimed their home. Upon learning of the loan 's fraudulent inception, I began asking Wells Fargo questions for over a one year period that they are unwilling to answer. I have stopped making payments as I will not pay for a criminal act. They have my phone # yet, say they are unable to contact me? Untrue! Contact @ Wells Fargo : XXXX XXXX XXXX
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MA)

Dear Sir/Madam, I am writing to request the removal of a late payment entry from my credit report. Upon reviewing my credit report, I noticed that there is a late payment listed for Account : XXXX XXXX XXXX XXXX ] for the month of XX/XX/2019. I believe this entry is inaccurate and unfairly affecting my credit score.I have been a responsible and diligent borrower, and this late payment does not reflect my payment history accurately. I have attached evidence, such as bank statements or payment receipts, to demonstrate that the payment in question was made on time.I kindly request that you investigate this matter and remove the erroneous late payment entry from my credit report as soon as possible. Doing so will ensure that my credit report accurately reflects my financial responsibility and will help me maintain my creditworthiness.Please feel free to contact me if you require any further information or documentation to assist with your investigation. I appreciate your prompt attention to this matter. 
I want you to update the payment history on this account that is affecting my credit reputation and this account was paid in full with no late payments.
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

Dear Sir/Madam, I am writing to formally dispute the late payments reported on my account with XXXX XXXX for the month of XXXX, XXXX, XXXX I have been a diligent and responsible customer with XXXX XXXX, and I am confident that these late payments are inaccurately reflecting on my credit report. 
On the mentioned dates, my payments were set for automatic deduction from my phone payment. As per the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C 1666B, the timing of payment is crucial in determining the accuracy of reported information. It is evident that the delay in processing these payments lies with XXXX XXXX rather than any negligence on my part. 
I kindly request that this account be investigate and this account matter thoroughly and remove these late payments from my credit report promptly. It is essential to uphold the accuracy and fairness of credit reporting as mandated by federal law. 

I appreciate your attention to this matter and look forward to a swift resolution. Please provide me with written confirmation once this dispute has been resolved. 

Thank you for your prompt assistance in rectifying this issue. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-12-06
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: ACOPIA CAPITAL GROUP (MS)

Basically, I first of all contacted XXXX XXXX on XX/XX/2023 in regards to a refinance! After several phone calls I finally reached him! After applying I was told by XXXX it was taking more time than expected so I waited a week! Then I contacted XXXX again he instructed me that I had a XXXX score and I needed a higher score! He said if I paid off credit card we could do a rescore and it would push my score up to where it need to be! I paid the credit card off in full! He told me I should have an answer within 24 hours! After several attempts to reach XXXX he told me its taking more time! So I contacted the regional manager and asked if I could get someone else to help me out! Finally I was forwarded to a new person who was XXXX XXXX! So now XXXX instructed me that there were other things showing on my simulator report from XXXX XX/XX/XXXX that need to be paid! I asked why is it XX/XX/XXXX over XXXX weeks later and I had no knowledge! XXXX told me he didnt wan na talk about past stuff lets just move forward! He said can u pay the other stuff so I can run a rescore for u! I said I was told XXXX weeks ago that it was ran by XXXX so obviously I had to start over! So after realizing that XXXX had never done anything I got frustrated and told them I rather just go to another company bc I was not properly informed! Ive been waiting I dont like the treatment! And plus XXXX had been deceptive!
Consumer complaint received 2023-08-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clealy stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.
Consumer complaint received 2018-12-31
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc. (FL)

I have tried negotiating to pay Zales the full original balance and have this account closed and removed from my credit report or updated to paid in full and late payments removed. Agents have hung up on me.
Consumer complaint received 2023-04-21
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. (TX)

I had reached Equifax bureau, XXXX  and I submit a claim here before but I haven't received any answer I have a negative file on my credit report and they are affecting me I have sent all the valid documentation, letters, and FTC and nothing has been resolved.
Consumer complaint received 2023-08-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BILL.COM, LLC (TX)

We were using Bill.com for bill payments. In XX/XX/2023, we issued two payments to two vendors, one payment for {$3000.00} and the other for {$2000.00}. One payment went through to one vendor and the other payment was voided. Bill.com debited our bank for both transactions ( totaling {$5000.00} ). They never refunded us the {$2000.00} for the voided transaction to the second vendor. Bill.com is playing a lot of games with us in order to avoid refunding the money, including offering to send us a DVD of the transaction history ( even though it was all confirmed ) since we have since closed our account.
Consumer complaint received 2024-04-01
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. (TN)

Im accordance with the fair credit reporting act XXXX  account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681 section 604 A Section : It also states a consumer reporting agency can not Furnish an account without my written instructions. and according to 15 USC 1681eb they are supposed to ensure this b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2024-04-21
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. (FL)

XXXX XXXX and trans union Have struggled to take off inquires off my record Ive called over XXXX times trying to relative and fix it they are complicating things and I finally gave up and now am seeking porefsinal help
Consumer complaint received 2024-04-01
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. (TX)

I sold my house in XX/XX/year>. I received my portion of the sale from the title company, but the mortgage company did not. After receiving calls from debt collection one month after selling the home, an investigation into the location of the money was opened by XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX. The FBI was involved and it was found to be a case of fraud, as the fax machines at the XXXX were hacked. Even while the investigation was underway, the debt collection office continued to relentlessly call and email, saying I was delinquent on payments. They only stopped when they received a cease and desist letter from the lawyer at the XXXX and when XXXX began writing checks in the amount listed as due for my monthly payments. When the investigation was complete, the insurance company for XXXX paid XXXX XXXX the remaining balance. Even when there was fraud discovered, the missed payments stayed on my mortgage report and have continued to be reported to credit companies, impacting my credit. They then closed out the account with the missed payments on file.