davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-11
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (OH)

Comenity bank has been down for weeks. They claim customers can make payments on XXXX XXXX and their phone lines. XXXX XXXX isnt working or when it does its double charging people, many of the complaints seen online and social media shows that. I get hung up on when I call their customer service number. I cant make any payments with them since the systems are down, but I have been hit with late fees during this intermittent constant downtime.
Consumer complaint received 2022-02-18
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. (FL)

On XXXX XXXX, 2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2018-10-31
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: NCC Business Services, Inc. (NY)

I called the company today to tried and get this fraudulent information removed they stated that the apartment complex never responded to the fraud request back in XX/XX/XXXX. I told the rep that as you are not able to verify this info to please remove it they told me they would not. I requested that the credit companies send over the police report filed. They have this information and are refusing to have the information removed from credit.I am at a crossroad.
Consumer complaint received 2023-03-20
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. (NY)

My name is XXXX XXXX, this complaint is not made in error nor is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC 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. Please delete the account below from my report : XXXX XXXX Date Opened : XX/XX/2019 Balance : {$1300.00}, XXXX XXXX Date Opened : XX/XX/2019 Balance : {$4000.00}.
Consumer complaint received 2022-03-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: DISCOVER BANK (FL)

I was supposed to receive rewards points converted into cash and doubled by Discover after one year. I did not use any of my points at all and now I want {$230.00} in cash as advertised and promised. Company didnt want to give me my money
Consumer complaint received 2021-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT. 
Wrong Addresses : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Employer : XXXX XXXX XXXX Date Updated : XX/XX/2019
Consumer complaint received 2024-02-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble.My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2022-03-13
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (NY)

Hello, My wife and I purchased merchandise from XXXX XXXX XXXX XXXX in XX/XX/XXXX. We were offered a 2 year no interest promotional offer using Synchrony Bank. The total purchase was {$2600.00}. We were paying the balance monthly with the intention of paying it off within the no-interest time frame of 2 years. We never carry interest on any credit card as the rates are astronimical. We called customer service to understand our balances since we have not received communication. On XX/XX/XXXX, our balance was {$1600.00}. On XX/XX/XXXX, our balance was {$3400.00}. We are in complete shock as to how the balance ballooned to this amount as we are unfamiliar with carrying credit balances and paying interest. 

Synchrony has not communicated that the promotional offer ended. We certainly did not remember that from years ago. We called Synchrony customer service to try and resolve this issue, with representatives hanging up the call 2 times in a row. The 3rd time, we were transferred to an Account Manager XXXX XXXX # XXXX ) who informed us that interest will not be returned. We were forced to pay {$3300.00} on Saturday, XX/XX/XXXX to avoid further fees. 

These credit card practices have been very deceiving. We were not aware that the promotional offer ended, and did not receive communication from Synchrony otherwise. Had we been informed that the promotional offer ended, we would have immediately paid off any outstanding balance from the original transaction. We are requesting a refund of all interest paid on this original balance of {$2600.00}. 

Thank you for attention to this matter,
Consumer complaint received 2019-03-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: DISCOVER BANK (NC)

On Friday XX/XX/XXXX, I responded to a XXXX XXXX XXXX advertisement for XXXX XXXX Tickets. ( XXXX ID : XXXX ; XXXX XXXX   XXXX ). The advertisement was for 2 tickets for {$470.00}, based out of XXXX, XXXX. I was in XXXX, XXXX at the time but reside in XXXX, XXXX. The ad said to text them ( XXXX ) to set up the ticket transfer. They explained that they could accept payment through XXXX XXXX, XXXX, or in person. Unfortunately, in person was not an option for me, so I elected XXXX XXXX. They sent me an invoice from the account XXXX for {$470.00}, claiming that it was a typo from the agreed upon {$470.00}. I used my Discover debit card to pay the transaction at approximately XXXX XXXX on XX/XX/XXXX. After that point, I stopped receiving any text messages or other contact from the seller despite multiple attempts, including phone calls and emails as well. The payment went through on Monday XX/XX/XXXX and I still had not received the tickets or any further contact from the seller. I attempted to cancel the payment with Discover but they said it was too late and there was nothing I could do. I contacted XXXX multiple times to take down the post and they still have not done so. I contacted XXXX XXXX and was also told there was nothing they could do. I created a XXXX phone number on XX/XX/XXXX and contacted the seller and they responded saying that they had tickets available. When I confronted them about giving my money back, they stopped responding to that number as well. I filed a police report with the XXXX XXXX on Wednesday XX/XX/XXXX. I tried contacting Discover again on Friday XX/XX/XXXX to file a formal dispute over the transaction and they refused.
Consumer complaint received 2022-03-13
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. (MN)

I sent dispute letters on XX/XX/XXXX, XX/XX/XXXX to Transunion in which they have not responded or investigated any of my letters. When I called the first time after 45 days I was rudely disconnected from the rep and when I called back I was told to call back tomorrow. When I called back the next day the rep I spoke to informed me that I should wait a few more days to hear back from my dispute letters, although it has already over 3 months and no response from them. It's displaying 1 late payment for XXXXXXXX XXXX which is incorrect and is very detrimental to my credit report. I am very upset. They're not following the law and continue to not care about the damage they're causing with these incorrect payment status.
Consumer complaint received 2018-10-31
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: AMERICAN HONDA FINANCE CORP (NY)

On XX/XX/XXXX, I traded in my leased XXXX XXXX XXXX for a XXXX XXXX XXXX. Honda of XXXX XXXX agreed to pay off the XX/XX/XXXX lease, waive the lease termination fee because I was leasing another vehicle, and that any wear and tear was within the {$500.00} damage waiver. In approximately XX/XX/XXXX, I began receiving telephone calls from XXXX XXXX XXXX at home and at my place of business, purportedly relating to amounts owing on the XX/XX/XXXX lease. I was provided no documentation of any such purported debt and the burden was placed on me to obtain information of the amounts Honda was seeking to collect. I contacted Honda Financial Services, who placed the burden on me to document that I relinquished the XXXX XXXX on XX/XX/XXXX in connection with leasing a new vehicle. I provided all documentation in my possession regarding the transaction, which shows that I traded in the XXXX XXXX for a new vehicle on XX/XX/XXXX. Nothwithstanding, Honda Financial Services demanded that I obtain the Vehicle Return Receipt from Honda of XXXX XXXX, which provided a document falsely stating that the vehicle was returned on XX/XX/XXXX and identifying the " dealer '' as XXXX XXXX XXXX, an entity I have never dealt with or even heard of. Honda Financial Services refuses to accept my documentation, refuses my requests to document " excess wear and tear '' above the {$500.00} waiver, and in the meantime, I continue to be bombarded by phone calls from XXXX XXXX XXXX.
Consumer complaint received 2023-03-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute some negative information that has been reported on my credit report. After reviewing my credit report, I have noticed several items that are incorrect and I request that they be removed from my report immediately. 

Firstly, the personal information listed under account number XXXX XXXXXXXX XXXX XXXX NJ XXXX, dated XX/XX/XXXX, does not belong to me. This address belongs to someone else and should be removed from my report immediately. 

Secondly, I have no recollection of authorizing a credit pull by XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. I did not give any authorization for this inquiry, and I demand that it be removed from my credit report. 

Finally, the account number XXXX under the name of XXXXXXXX XXXX XXXX is questionable. I would like clarification on this account, or I demand that it be removed from my credit report. 

I am requesting that these items be investigated and removed from my credit report as soon as possible. I appreciate your prompt attention to this matter, and I look forward to receiving a response from you. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-03-13
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. (MI)

I am requesting and expedited resolution as I am XXXX XXXX XXXX, have XXXX, which has spread and urgently need to resolve all my finances this year. 

XXXX is inaccurately reporting a {$16000.00} balance for an account which has had no activity since XX/XX/XXXX and will be XXXX XXXX XXXX this coming XX/XX/XXXX. 

Further, in XXXX XXXX filed a 1099 cancellation of debt form with the IRS, which I was charged and paid over {$3000.00}. Yet XXXX is inaccurately reporting as a charge off and XXXX of {$16000.00}. Once a cancellation of debt is filed that balance is satisfied. 
I am also XXXX provide me with a full accounting of this account which means all the transactions
Consumer complaint received 2019-03-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P. (MI)

On XX/XX/2019 I sent a certified letter requesting that SW Credit Systems L.P. validate a said debt. They did not senders me any of the documents I requested for validation of the said debt. I did not request them To verify the debt they are attempting to collect from me. I specifically asked them for a signed agreement and other supporting documentation. They only provided me with a billing statement which isnt validation and does not prove that that Im am obligated to pay SW Credit Systems L.P. anything. They have reported delinquent information to the credit bureaus that I am asking to be deleted and removed.
Consumer complaint received 2019-03-29
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: DISCOVER BANK (CA)

Discover Card submitted a fraudulent account onto my credit reports. Then when I told them it is fraud they sent a letter apologizing. Then they committed fraud by changing the account number and resubmitting the fraudulent account as mine. I disputed with the bureaus and it was removed. Then Discover card came back and submitted it again under closed derogatory accounts. This has been a 2-year process and their harassment and law-breaking knows no bounds and they need to be punished.
Consumer complaint received 2018-10-31
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: HOME BANCSHARES, INC. (FL)

I had a commercial mortgage on a property for 5 years which was always in good standing with XXXX XXXX. I recently ( XX/XX/XXXX ) sold the property and paid off the loan at closing. In addition to the property being the collateral for the loan, I also had to put up a " pledge account '' for collateral to XXXX XXXX. This was basically a brokerage account at another bank that the Lender ( XXXX XXXX ) had a collateral agreement over during the term of the loan. 

However, since the loan has been paid off, XXXX XXXX has failed to release the brokerage account held as collateral. On XX/XX/XXXX, 5 days after closing, XXXX XXXX informed me that it might be another 10-15 days before they can write the letter to release the collateral hold. All they have to do is write a letter, yet they feel no sense of urgency to release my account. 

With the loan paid off, they have absolutely no right to maintain the hold, and should immediately release the account.
Consumer complaint received 2018-10-31
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. (MA)

The account XXXX XXXX / XXXX XXXX # XXXX owned by XXXX XXXX XXXX ( XXXX ) remains on my credit report despite numerous requests to have it removed over the past year. This account was originally sold to XXXX for collection by XXXX XXXX / XXXX XXXX This account was settled with XXXX after paying them directly six payments totaling {$3400.00}. XXXX has issued directly to the Experian credit agency multiple letters in both XXXX and XXXX requesting that the account be removed from my report. This is in addition to the multiple copies I have provided. Experian has refused to comply with XXXX request. I have now filed an action with both the CFPB and the Massachusetts States Attorney General office requesting assistance in this matter. I have provided a copy of one of these letters.
Consumer complaint received 2023-03-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

On ( XX/XX/XXXX  ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-03-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2022-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SCHOOLSFIRST FEDERAL CREDIT UNION (CA)

Schools first is not reporting correct information on my credit report. 
-monthly payment amount -comments are incorrect on credit report -last active date -date of last payment is incomplete -two year payment history is incomplete -date last active is incorrect in
Consumer complaint received 2024-02-04
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. (CA)

Experian has reported two negative accounts on my credit report - one from XXXX XXXX and the other from XXXX XXXX XXXX. However, both accounts and balances do not belong to me. I suspect it's a case of fraud and identity theft. Hence, I have sent all the necessary information and paperwork to Experian for removal. This issue is significantly affecting me.
Consumer complaint received 2023-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2022-03-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WAKEFIELD & ASSOCIATES, INC. (CA)

Wakefield & Associates trying to collect for XXXX XXXX. This is a medical charge. We met our maximum family deductible in XXXX of XXXX. We provided documentation multiple times to XXXX, to Wakefield, by mail. Female collector said it was likely mailed to a different office and she hasnt seen it. She said she was still going to try to collect the balance. My daughter has an XXXX XXXX XXXX so we hit our deductible very quickly every year. We provided audited health documents to both entities ; they just ignore them. Our health provider says we dont owe anything. This collector is a scammer.
Consumer complaint received 2022-03-13
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. (FL)

To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit report and would like to formally file a dispute. This information is unauthorized and was not approved to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my report and I was NOT alerted to this information being authorized on my reports and I am insisting that they be DELETED from my credit report as soon as possible. These items are fraudulent and are impacting my GOOD relationship with creditors. I have reported the theft of my ID to the FEDERAL TRADE COMMISSION, please review the enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit that i have attached in regard to this incident. Please investigate these matters and see that the disputed items are removed as soon as possible.