davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

While trying to apply for a credit card I was denied to due errors on my credit. It appears that Experian is reporting bad erroneous debt in my credit profile. 

Ive reached out numerous times via there online dispute option. Each time they respond that they already researched this dispute. 

Ive advised each time that this account does not belong to me and Im unaware of this account. Ive asked for proof which they are never able to provide. 

Ive disputed this account again today XX/XX/2023 and immediately received an automatic denial to investigate. 
EXPERIAN says it wont process a new dispute without me providing evidence. I do not have evidence as this account is not mines nor do I have any paperwork to provide as I dont own this account.
Consumer complaint received 2020-06-09
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. (OH)

I have an unverified accounts on my credit reports. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of these debts and request verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) When the original date of default and collection activity began 6. ) Whether or not you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account
Consumer complaint received 2023-03-16
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. (NJ)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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
Consumer complaint received 2023-02-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (TX)

I have been victim of a scam. I had a item on XXXX XXXX place for {$700.00}, the scammer pretending to be a buyer send a offer to buy and used said to use a XXXX The scam was he said had to pay {$1100.00} and I had to return {$400.00} back. He used fake email XXXX account, I sent him XXXX on through my zelle and had a problem than I ask to send it through PayPal Friends and family. I sent him {$400.00} through PayPal. I have reported to PayPal that I have been scammed. PayPal is siding with the scammer/buyer that there is nothing wrong with this transaction. Date incident occurred XX/XX/2023. Lost {$400.00} on my credit card through PayPal friends and family.
Consumer complaint received 2020-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I set up auto pay with XXXX XXXX they fail to use it and had me late for 60 days, when I realized that I called them up they told me they dont see the auto pay. I asked them to close the account and I will pay the balance. Two months ago I paid the balance off but they refuse to remove their negative report off my credit report. On XX/XX/2020 I filled a dispute with Experian but XXXX XXXX did not remove the pay off closed account off my report.
Consumer complaint received 2024-04-14
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CLGF Holdco 1, LLC (FL)

On XXXX XXXX, 2024, XXXX, I called Indigo Master Card, Concora Credit XXXX by XXXX XXXX XXXX XXXX,,, XXXX, XXXX, XXXX, I was on hold until XXXX. Rep XXXX answered. She verified me. I asked what are their XXXX XXXX Fees, their ATM Fees & I asked for their terms & conditions. She couldn't answer my questions. I asked for a supervisor. She rudely said she knew what supervisor would tell me & Interrupted me twice. At XXXX she transferred me to a supervisor, who answered at XXXX : XXXX. 
XXXX, the supervisor, told me they have no Bal transfer Fees, which I think is incorrect information. She said their ATM Fees are, 1 cash withdrawal per day & maximum of {$100.00}, with no fee of their own. She stated the ATM owners charge fees, but wouldn't tell me which ATM networks they use for free. Since she, & her subordinate XXXX didn't seem to know anything, I requested the issue be escalated to someone who could do some research & give me that XXXX. She said she'd escalate the issue to the back office. She couldn't provide me a conf # for escalation, or issue. She said I have to call back in 5 days. I also asked them both how I could get their terms & conditions. I said I had ordered them from their website, but they would be sent via XXXX, which XXXX take up to 30 days to arrive. 
I told her that their company already charged me the anual fee of {$75.00}, but I am not able to use their card since I have no Idea what their fees are, because they didn't Include terms & conditions In the welcome package. She told me to wait! I told her I will report them to the US gov for not providing me this information, or their terms & conditions in a timely manner. The call ended at XXXX
Consumer complaint received 2023-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

On XXXX, XXXX was the date our loan was due to XXXX. It was the date the merger took place. We had automatic payment set up from the start of the loan in XXXX with XXXX XXXX They took two payments. It took 8 weeks to resolve that. Within that time, my credit score dropped from XXXX to XXXX. They also changed our fixed rate to adjustable after the merger. They reported our loan going up one month instead of down when paying it. Again until XXXX, every months there were issues with the automatic payment being incorrectly applied to interest and principal. We had to pay extra one month due to them applying it incorrectly and refusing to correct it. On XXXX XXXX we paid a fee of {$15.00} to re-do the loan. The parent loan with the line of credit was closed and a child loan ( their term ) opened that was now a fixed rate loan that we could not longer draw off of. And we were NOT told that this now made our loan five years longer. A week later, they reported to all three credit bureaus our loan was now {$100000.00}. That stayed on the reports until XX/XX/XXXX with no one resolving the mistakes reported and changing those number that were incorrect with all three bureaus. The wrong payments on certain months show on the credit reports, this needs to be correct. Numbers didnt match anything that was actually paid.We have repeatedly called to get a supervisor. No one has called. On XX/XX/XXXX, I got notice from all three credit bureaus our credit score dropped XXXX pts. It seems that XXXX put out there wed only paid {$7.00} toward two loans with them as they also handle our XXXX payment. We pay a total of {$910.00} for both loans. Our home equity is {$440.00} fixed. Our personal loan is {$470.00}. 

We need this errors with all three credit bureaus corrected all the way back until the XXXX, XXXX. Each individual month needs to be done. We are unable to leave this bank to get a new loan as no one will now give us credit. We have are unable to apply for even a store credit card. We have been denied at every turn to have the opportunity to leave this bank. Our credit history has been solid since XXXX.
Consumer complaint received 2023-05-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: ADP Inc. (GA)

On XX/XX/2023 I went to XXXX XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX GA XXXX to withdraw {$60.00}. The ATM experienced an error and cancelled my transaction but the money was withdrawn from my account. I contacted XXXX XXXX XXXX XXXX XXXX the next day and was informed their atm count was over {$60.00}. The lady explained to me they could not let me come pick up the money I would have to dispute it. Once my bank contacted them they would agree and return my money back. I still have not received my money.
Consumer complaint received 2023-03-31
Product: Credit card or prepaid 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: Block, Inc. (CA)

Placed order on XXXX using the payment service Afterpay. 

Order arrived incomplete and missing items, receiving only 3 out of the 8 items ordered. Amount disputed is {$570.00} of the {$660.00} total.

Contacted merchant and they refused to help, recommending to open a dispute with the financial institution Afterpay. Contacted Afterpay but they keep deferring to the merchant, refusing to open a merchant dispute. Afterpay claims that the merchant has direct control over their return and refund policies, but this dispute is regarding neither of those - it's for an incomplete delivery of goods promised.

Afterpay is failing to open a dispute and offer consumer protection services.
Consumer complaint received 2022-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

DEAR XXXX, XXXX, TRANSUNION ; This letter is a formal request to correct inaccurate information contained in my credit file maintained by your organization. The item listed below is completely inaccurate, incorrect, misleading and is a very serious error in reporting. 

I have enclosed a list of items that is reporting negatively, inaccurately that your organization has provided to me on XXXX XXXX... Please investigate that all the items are reporting 100 % accurate between all the 3 BUREAUS.. 

Under the federal Fair Credit Reporting Act, credit-reporting agencies are required to maintain and report only 100 % accurate credit information and to investigate any claims of inaccuracy within 30 days of receiving such a claim. I respectfully request you investigate my claim. 
If after your investigation, you find my claim to be valid and accurate, I request that you immediately delete the item and supply a corrected credit profile to me. 
Additionally, within 15 days of the completion of your re-investigation, please forward to me a description of the procedure used to determine the accuracy and completeness of the item in question. 

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 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 XXXX
Consumer complaint received 2021-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (UT)

XXXX XXXX is reporting two public records ( bankruptcy ) on my report which i have even sent in a letter to them saying that the court house does not disclose or release information to these companies,
Consumer complaint received 2023-02-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (GA)

XXXX XXXXEntered loan modification agreement process. Made on-time monthly payments to satisfy modification agreement. 

XXXX XXXX Made on-time monthly payment but did not have access to online account or online documents. Inquired when I would have online access. Was told my concern was being posted to the notes in my account. 

XXXX XXXX-Made on-time monthly payment but did not have access to online account or online documents. Inquired when I would have online access. Was told my concern was being posted to the notes in my account. 

XXXX XXXXMade on-time monthly payment but did not have access to online account or online documents. Inquired when I would have online access. Was told my concern was being posted to the notes in my account. 

XXXX XXXX XXXX Made on-time monthly payment but did not have access to online account or online documents. Inquired when I would have online access. Was told my concern was being posted to the notes in my account. Was also told I would have online access to pay my mortgage in XX/XX/XXXX. XXXX came and went, I did not have access to make online payments or access to see current loan documents online. I requested documents to be sent to me. They were never sent. 

XXXX XXXX I made my monthly payment and inquired about payoff documents being sent to me and current balance on loan. I was told the modification documents were still being reviewed and were not available. I inquired about my year XXXX 1098. I was told I would have to wait because the loss department did not handle sending out 1098s. 

XXXX XXXX I made my online payment and inquired about documents I requested. Upon being told I would have to wait for the documents, I sent LoanCare two certified letters and two regular mailed letters inquiring about the status of my mortgage and my 1098. By now, I could see my online account but all documents were not current, last year posted any payment was XXXX. I called LoanCare the third week of XX/XX/XXXX inquiring about my online account and my XXXX 1098 for taxes. I was told the representative was sending another email to her supervisor alerting them to my concern. I told the representative that I had been getting the same message about my account for more than a year. I was put on hold, then told LoanCare was sending out additional documents for me to sign due to an error they typed on the documents sent to me a year, XXXX, earlier. I was informed that the documents had not been mailed as of that date.
Consumer complaint received 2023-02-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION ()

I have been trying, since XX/XX/2023 and again on XX/XX/2023 to explain to Regions Bank that I have yet to receive my new debit card, which expired XXXX. 
This happened a couple of years ago when my debit card was renewed. 
I live in XXXX. The bank has my XXXX  address, yet they seem unable to send me the new card without me having to make several phone calls to the U.S. and explaining the situation. The last time they ended up XXXX XXXX me my new card. 
I am a XXXX citizen and I have once again been without access to my funds for over two weeks. 
I explained several times to 3 different bank managers that I am unable to purchase food or gas or access my funds if I should have an emergency. Regions Bank seems unable or unwilling to assist me receiving my renewed debit card. 
Thank you.
Consumer complaint received 2023-02-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Bridgecrest Acceptance Corporation (KY)

Company is the definition of predatory lending. I was made aware that my loan was accruing about XXXX dollars in interest a day, meaning only about XXXX dollars of my payment was going towards my principal. If my calculations are correct this would be well over the allowed 16 % in New York state.
Consumer complaint received 2018-06-28
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: Shellpoint Partners, LLC (TX)

After I get divorced, the Court give the warranty deed of the house located XXXX XXXX, XXXX XXXX Texas zip code XXXX, after this my ex wife mist a lot of payments and get bankruptcy with out my knowledge, this is affecting my credit score, I need the lender remove this of my record because I am not responsible at this time for the payments company responded and provided supporting documentation that does not belong to me.
Consumer complaint received 2020-06-09
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (FL)

The problem is with XXXX XXXX throuh Comenity Capital Bank, I made a purchase on XX/XX/2020, I recieved the statement with closing date XX/XX/2020 and due date XX/XX/2020. A personal check payment of the full amount of {$20.00} was collected in mail on XX/XX/2020. Company claimed that it received on XX/XX/2020, I was surprised the following month to see a statement in the amount of {$22.00} I called and tried to resolve the issue but they did not agree to remove the charges. I filed complaint with XXXX, XXXX refereded me to the Bank ; on XX/XX/2020 I spoke with XXXX at XXXX XXXX XXXX ; Spupervisor # XXXX ; she said balance will be XXXX, the next thing I know the balance now is {$58.00} in collection and reported to the credit bereau. I strongly believe that Comenity in engaging in a deceptive practice, it received the check and didn't cash it until XX/XX/XXXX. I closed the account immediately.
Consumer complaint received 2022-10-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, XXXX. XXXX Account # XXXX, has violated my rights. 

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 an account without my written instruction.
Consumer complaint received 2024-04-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (PA)

Letter was mailed with check as a settlement payment to SYNCB/Car Care as a pay to delete settlement. The company cashed the check but they failed to delete the charge-off after they cashed the check. Instead they reduced the payment and kept the charge-off on my credit file. This is unethical and not what was agreed upon.

SYNCB/CAR CARE SYN CAR C - score impact : low Summary Details Transactions Source : Credit Report As of XXXX XXXX, XXXX Account # XXXX Account Status CLOSED_CHARGE_OFF Payment Status Past Due - {$800.00} Balance Owed {$800.00} Payment Amount {$0.00} Credit Limit {$700.00} Recent Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Days Late - XXXX  Year History : XXXX : XXXX XXXX : XXXX XXXX : XXXX Creditor Remarks Profit and loss writeoff Account Type Charge Account Last Payment XX/XX/XXXX Account Verified XX/XX/XXXX Date Opened XX/XX/XXXX High Balance {$1100.00} Term Length XXXX Month ( s ) Payment Frequency-
Consumer complaint received 2022-10-28
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. (NJ)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have fully researched my rights and found that the Fair Credit Reporting Act does not allow you to victimize innocent credit-worthy people by reporting erroneous false information. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ XXXX5 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. The account listed below should be corrected straightaway : XXXX XXXX
Consumer complaint received 2018-07-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (WA)

The Money Source has locked us out of online payments and requires payment by money order, XXXX XXXX ( their site states they don't accept Money Source Payments ) or certified checks. 
The reason they say is because there were two NSF bounce backs. ( The paycheck deposit is the XXXX ; the bank withdrawal is the XXXX ) and, so the two were not lining up. 

My complaint is that there was no advance notification that online payments would no longer be accepted so consequently we will have a late on our credit report as payment could not be made online and we had to rush to get payment out via overnight. The customer service staff said there is no policy in place to address the lock out from online payments nor is there an appeal process. They said it is a system lock out. 

So, for the next six months we are required to make payments via certified check and put it in the mail. How is this helpful? It just builds customer animosity. 

How is this helpful to the consumer? Why aren't they required to provide advance notice to the customer? Why aren't they required to have a policy in place to notify the customer, provide advance warning, and provide for an appeals process?