davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I was on auto pay for the full balance on my XXXX account as the card was only used sporadically. I then began using the card and switched to the minimum payment for the XX/XX/2019 payment. However, they attempted to take out the full payment against my request. The payment account was linked to a checking account that was no longer my primary account and therefore came back insufficient funds. I went on their website again and changed to the minimum payment and paid a {$200.00} payment. Subsequently, I went on their website and it showed no back due payments. In XXXX, they again tried to take out the full payment against my settings and request. I once again logged into their website changed it to the minimum payment and made another {$200.00} payment. I then had to log in again and make the change to the minimum payment for a third time. It's bad enough that they kept trying to take out the incorrect amount against my stated requests. However, it turns out that they failed to process the {$200.00} payment in XXXX and are reporting me 30 days late. They did not call, mail, or email me on a payment issue and their website showed that I was on time in XXXX. I notified XXXX and they are refusing to correct the situation and report the proper information to the credit bureaus.
Consumer complaint received 2018-09-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (OK)

ON XX/XX/XXXX MY FRIEND AND I CALLED DISCOVER AT XXXX-XXXX-XXXX-XXXX. WE WERE TRANSFERED 3 TIMES, AND ON THE PHONE FOR OVER AN HOUR BEFORE WE FINALLY GOT SOMEONE WHO COULD HELP US. HER NAME WAS XXXX. SHE WAS EXTREMLY RUDE, AND VERY NASTY. I EXPLAINED THAT DUE TO MY HEALTH ISSUES I HAVE TO HAVE MY FRIEND ON WITH ME, BECAUSE I HAVE XXXX, AND CAN NOT ALWAYS REMEMBER EVERYTHING. WE THEN EXPLAINED THAT AFTER REVIEWING MY INFO I FOUND A CHARGE I DID NOT AUTHORIZE ON XX/XX/XXXX DONE BY XXXX  SALES FOR {$2600.00}. SHE THEN SAID SOME THINGS THAT IM SORRY BUT ARE NOT OK TO SAY TO ANYONE! SHE SAID WELL IF I HAVE XXXX THAN HOW WOULD I KNOW IF I MADE THE CHARGE. SHE THEN SAID THAT THIS IS PEOPLES PATTERN WHEN THEY DONT WANT TO PAY FOR A CHARGE! SHE MADE IT SEEM LIKE I WAS USING MY SICKNESS TO GET OUT OF PAYING FOR SOMETHING WHEN I ALREADY PAID IT OFF. SHE THEN SAID THE ONLY WAY SHE WOULD HELP ME IS IF I FILE A POLICE REPORT! I TRIED TO EXPLAIN THAT I AM IN MY XXXX AND SICK, AND MY HUSBAND IS IN HIS XXXX AND HAS XXXX. IM SORRY BUT THE WAY SHE TREATED ME IS NOT PROFESSIONAL AND I FEEL SOMETHING SHOULD BE DONE ABOUT IT.
Consumer complaint received 2018-09-04
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (TX)

I was shocked when reviewing my credit report and found late payments on the dates below : 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Consumer complaint received 2024-02-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: VYSTAR CREDIT UNION (FL)

I lost my personal items which included a few other cards on XX/XX/2023. The last time I used my vystar card was XX/XX/2023 at XXXX. I didn't make any other purchases or use of my vystar account. I utilized cash for other purchases. That day. Upon heading to work on XX/XX/23 to put gas in vehicle. I called vystar XXXX XXXX number spoke to representative and informed I didn't have my cards to try and cancel them. I wasn't able to get into online account. Representative said automatic system had detected fraud and already had canceled card and locked account. I informed representative that I will be coming into bank immediately after work around XXXX on XX/XX/XXXX. However that was not the case with vystar credit union. They allowed these persons to make all kind if activity with account. From withdrawals in other cities, deposits of checks, money orders etc. Vystar even let the thieves open up a credit card and another checking account. The persons committing fraud had access to my account and called vystar themselves. In which I was unable to do being that it was supposed to be my account.
Consumer complaint received 2019-04-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (GA)

On XX/XX/2019 I deposited a mobile check in the amount of XXXX with the authroization of my grandmother ( she signed the check over to me and lives at the same address as I do ). Citibank accepted the check and processed a XXXX dollar credit. Every month I receive a check from my employer in the amount of XXXX. However, they are refusing to process the check any further and have locked my account completely. I keep on being told the check is under review and there is no resolution. The check is from a local dealership issued through their bank XXXX XXXX. The dealership has recently changed hands, however, and banks as well, which means a new check can not be issued and their is not an option for a stop payment. There is not a branch in the state for my bank where my grandmother can present her ID and resolve this ( another option presented ). There are only commercial offices for Citibank.
Consumer complaint received 2018-09-04
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

I was offered to apply for a Kohls credit card to receive an additional 30 % off my purchase onXX/XX/XXXX. I was assured by the cashier ( XXXX XXXX ) that this would be a soft inquiry on my credit report. I even had her call the store Mgr. XXXX. XXXX to verify this fact. She concurred that it would be a soft inquiry. I was approved and found out later that it was HARD inquiry on my credit report, that would stay on it for 25 months! 

I have worked hard to build up my credit score and this misrepresentation is fraudulent and wrong. This kind of consequence affects peoples lives and its done for the sake of just signing people up for the store card, their bottom line? 

This occurred at the XXXX XXXX Kohls store at the XXXX XXXX XXXX.
Consumer complaint received 2022-11-30
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)

ON XX/XX/2022 I DISPUTED THE FOLLOWING ACCOUNTS WITH ALL THREE XXXX STATING THESE ACCOUNTS IS NOT KNOWN TO ME/ INACCURATE. THE DATES DONT ADD UP AND AMOUNTS OF THE DEBT. AS WELL AS ITEMIZED BILL THAT DOESNT MAKE ANY SENSE TO ME, DUPLICATE ACCOUNTS. I HAVE MADE SEVERAL ATTEMPTS TO RESOLVE ISSUE WITH COLLECTION AGENCY STARTING XX/XX/2022 THEY ARE NOT RESPONDING EXECPT WITH AN ATTEMPT TO COLLECT DEBT THAT IS NOT VERIFIED ACCURATLY. 
* XXXX XXXX XXXX  {$650.00} *ARS {$140.00} *ARS {$140.00} *ARS {$150.00}
Consumer complaint received 2018-09-04
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. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : The following inquiry needs to be removed immediately : XXXX from XX/XX/XXXX XXXX Card - Twice i didn't authorize neither from XX/XX/XXXX Explanation : I never consented to these inquiries via FCRA section 609 and 605 as well as the accuracy of this inquiries via FCRA section 623. I would like it removed immediately. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. Sincerely, XXXX XXXX
Consumer complaint received 2017-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (WA)

XXXX keeps adding and subtracting balances from my accounts. This is adversely affecting my credit score. I am rebuilding my credit and applying for a home as well as a new car and their frequent inaccurate updates are detrimental to this process. For once, they did not have my correct contact information when my loans were restored from default. I respectively ask that the lates from XXXX and XXXX 2017 be  removed and set to current. As soon as I contacted XXXX my loans were put back into deferment. Also I want all loans older than 6 years off my credit report as that is the SOL for my state. I need this done as quickly as possible as XXXX is doing illegal collecting and reporting.
Consumer complaint received 2019-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (CA)

I was on auto pay for the full balance on my Nordstrom account as the card was only used sporadically. I then began using the card and switched to the minimum payment for the XX/XX/2019 payment. However, they attempted to take out the full payment against my request. The payment account was linked to a checking account that was no longer my primary account and therefore came back insufficient funds. I went on their website again and changed to the minimum payment and paid a {$200.00} payment. Subsequently, I went on their website and it showed no back due payments. In XX/XX/XXXX, they again tried to take out the full payment against my settings and request. I once again logged into their website changed it to the minimum payment and made another {$200.00} payment. I then had to log in again and make the change to the minimum payment for a third time. It's bad enough that they kept trying to take out the incorrect amount against my stated requests. However, it turns out that they failed to process the {$200.00} payment in XX/XX/XXXX and are reporting me 30 days late. They did not call, mail, or email me on a payment issue and their website showed that I was on time in XX/XX/XXXX. I notified Nordstrom and they are refusing to correct the situation and report the proper information to the credit bureaus.
Consumer complaint received 2020-11-06
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc. (HI)

On XX/XX/XXXX, Chrysler Capital received a check from myself to pay off the lease-buyout. I included the pdf of the pay off amount and that it was good through XX/XX/XXXX. On XX/XX/XXXX, said check was cashed, but my account showed that I was past due on my payment. I previously put a stop payment on my checking account through XXXX to prevent a Chrysler Capital from debiting my account. When I called, a customer service representative stated to, Give it 48 hours max to close the account. I called Monday and it is now Friday and my account is showing past due payment. My account does not show the pay off.
Consumer complaint received 2019-04-08
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. (NC)

TODAYS DATE : XX/XX/XXXX DEAR DISPUTE DEPARTMEN, This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formalescalation in the appropriate courts of law should the need arise. 

Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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 DOB XX/XX/XXXX ADDRESS XXXX XXXX  XXXX XXXX XXXX XXXX, NC XXXX
Consumer complaint received 2019-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

TODAYS DATE : XX/XX/XXXX DEAR DISPUTE DEPARTMEN, This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formalescalation in the appropriate courts of law should the need arise. 

Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX   XXXX XXXX XXXX XXXXXXXX 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 SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX  XXXX XXXX XXXX XXXX, NC XXXX
Consumer complaint received 2023-01-02
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC (NH)

Before the end of XXXX, I set up a payment arrangement to start paying back my debt with a collector 'Radius global ' who have my XXXX XXXX credit card debt. Upon realizing I would not make the money to pay that amount I went back online to edit the payment arrangement and the agreed upon settlement was no longer accessible and the website indicated a FULL original amount due, when I had accepted a letter and agreed upon a far less amount. I then called and spoke with them on XX/XX/XXXX at XXXXXXXX XXXX a few days after making the arrangment to inform them I need to update the payment and post it to a later date when I would receive my bonus. The man on the phone indicated that was fine and I would not be charged on this pay day ( XX/XX/XXXX ) however they did in fact charge my debit card even though I had advised them not to and that I would not have the funds available. They mislead me on the phone when I called and told me they would change the payment arrangment and also confirmed I was paying on a settlement amount but they have in fact removed that offer and are charging me a much higher total.
Consumer complaint received 2019-04-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (LA)

On Friday XX/XX/XXXX I was sent {$2500.00} from my cousin in law XXXX XXXX via PayPal to pay for my property tax. I received the money which was sent as a personal payment and 30 minutes later the account was frozen and I could not access my money. His bank did not file a claim nor have I ever had suspicious activity so I was confused. I complied and my money is still on hold. His PayPal as well as the XXXX account in which we responded is verified. I feel like they are holding my money to gain interest in their company.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I contacted the credit bureaus and asked them to provided information on the bankruptcy on my account. They responded saying that they received the information from the bankruptcy court saying that they reported it. I then sent a letter to the bankruptcy court asking if they responding to a letter from, they bureaus and their response was they don't report any information to anyone. I sent them a letter with the response and a letter of demand, and it still wasn't removed.
Consumer complaint received 2023-07-26
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I have been getting alerts about hard inquires from someone checking my credit report. I have not recently applied for any type of loans and should not have any hard inquires, Please have these removed. I am a re-occurring victim of identify theft. Please update my report and correct this. 

Equifax -XXXX  XXXX  XX/XX/XXXX,XX/XX/XXXX -XXXX XXXX XX/XX/XXXX, XX/XX/XXXX -XXXX   XXXX XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX -XXXX XXXX XXXXXX/XX/XXXX, XX/XX/XXXX -XXXX   XX/XX/XXXX -XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX of XXXX  XXXX XX/XX/XXXX -XXXX   XXXX XX/XX/XXXX -XXXX  XXXX  Bank XX/XX/XXXX XXXX -XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX -XXXX XXXX  XX/XX/XXXX -XXXX XX/XX/XXXX,XX/XX/XXXX XXXX -XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX XX/XX/XXXX , XX/XX/XXXX -XXXX XXXX XX/XX/XXXX, XX/XX/XXXX -XXXX XX/XX/XXXX
Consumer complaint received 2019-04-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (MD)

-bought the house in XX/XX/2018 -my first mortgage company transferred my account to Loancare -property tax was for XX/XX/2018 -contacted the Loancare on XX/XX/XXXX , letting them know we received a bill from the county and the tax is overdue. We had more than enough money in the escrow account to pay the tax. ( they said they will take care of it ) -contacted the Loancare on XX/XX/XXXX to get an update - no updates from the company -contacted on XX/XX/XXXX to get an another update - they a check will be disbursed on XX/XX/XXXX to the county and they will cover all the late fees -contacted on XX/XX/XXXX because we received a final notice from the county about foreclosure - They said they will try to move the disbursement date to XX/XX/XXXX. 
-contacted on XX/XX/XXXX to get an update - we realized the check was not disbursed like it was promised. The company kept saying, they contacted the county already and they talked. The reason for this delay is they had to review something???? 

**contacted my property tax office on XX/XX/XXXX directly. I asked if my mortgage company reached out to them but they have no records showing my mortgage company reached out to them. We were afraid of losing our house so we paid the property tax out of our own packet instead of waiting for the mortgage to pay for us** -contacted on the company XX/XX/XXXX for an update - they said they disburse the check on XX/XX/XXXX. They said I will get an email on that day to let me know the money was taken out from the escrow account. 

Today is XX/XX/XXXX. I didn't receive any emails from the loancare that they paid the taxes. I checked my escrow account and nothing was taken out. Currently we have {$6300.00} and property tax was {$2400.00}. I'm trying to reach out to them so they can run escrow analysis since we have too much money in our escrow account now. It has been about 26 minutes since I'm waiting for the representative..
Consumer complaint received 2022-09-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ProCollect, Inc. (NC)

Name : XXXX XXXX XXXX : Procollect, INC./ University XXXX XXXX : XX/XX/2019 but paid off XXXX Amount : {$1600.00} Actions : They set the status as paid but it continues to be open and not closed on my credit report.