davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Continental Finance Company, LLC (MN)

I have had a XXXX mastercard for a considerable length of time longer than a year. I called several months ago to ask why my payments are not being credited to my account promptly with several small and submitted payments not being credited for upto three weeks time. They attempted to point the finger at my bank, XXXX and their bill pay service. I assured them that they were issuing payments and the problem was on their end by not crediting promptly. 


When the customer service person was not able to make any other suggestion, she agreed that she would waive any fee related to dishonored payments if I went to my bank and cancelled the outstanding checks that had been issued though not credited to my MC XXXX XXXX XXXX XXXX at their company. 

Of course all the payments they claimed not to receive were finally credited to my account several days later but then dishonored when presented back at XXXX because stoppage had been arranged at the suggestion of their agent on a recorded line. 

To their credit they did return the returned payment fee as agreed when asked, but then began a campaign of lying on still recorded line about the status of my account. 

I was told a hold on the account had been placed that would be removed just as soon as I paid the balance in full with certified funds. I was told this on multiple occasions despite the fact that they had already closed my account and had reported the closure to the credit bureaus as well. 

I do not believe an institution should be able to lie straight to the face of this consumer or any. 

In addition to closing an account that has had a stellar record of payment, they jacked up the interest rate north of 30 % ( 31.24 % ) and continue to charge a $ XXXX   monthly account maintanence fee despite the fact that the account has been closed by this party and is not being maintained.
Consumer complaint received 2021-12-09
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. (WI)

Hi Transunion has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over XXXX transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Consumer complaint received 2022-03-26
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Upgrade, Inc. (CA)

I previously had a line of credit with this company but decided to close it last year. Unfortunately that doesn't seem to be the case because every month they continue to send me a statement ( which shows available credit of {$2000.00} and a balance of {$0.00} ). I have contacted them numerous times about this and each time I am promised they have resolved the issue and that the account is closed and I would stop receiving statements. As I received a statement from them yesterday, I can confirm this is not true. When I log into my account with the company it still shows my line of credit as " active '' but then states " Your account is currently ineligible for new draws. Please refer to our email communication for more information. '' ( Note that no such email exists ). When I've tried to regain access to the line of credit the company tells me I can't and I would have to reapply. When I reapply I get an adverse and letter which literally lists the reason for being denied as " o ''. I've tried to call the company but they only provide false information such as " we have nothing to do with the adverse action notices they come from XXXX so you should contact them " ( even though the letter is signed by " Upgrade Inc. '' and states in part " The reporting agency played no part in our bank partners ' credit decision and is unable to supply specific reasons why they have denied credit to you. '' ). No one from the company has provided me a reason for the denial nor have they addressed any of the issues I've explained today and/ or have faced.
Consumer complaint received 2018-07-07
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

Deposited a cashiers check for {$40000.00} from XXXX XXXX into my Bank of America checking account on XX/XX/2018. Bank of America will not honor the cashiers check and is holding my funds until XX/XX/XXXX.
Consumer complaint received 2021-12-09
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: TRUIST FINANCIAL CORPORATION (NC)

I am in the process of purchasing a new home. SunTrust now Truist was the holder of my original loan. Since beginning this process, it has been almost impossible to get in touch with SunTrust now Truist. My new lender has called and faxed with no response and experienced impossible hold times. I was contacted by the buyers lawyer because they could not get through to SunTrust now Truist for the payoff. After being on hold for 3 hours the payoff was finally faxed to the Lawyer. My house closed on Wednesday XX/XX/XXXX, and I am set to close on my new home tomorrow, XX/XX/XXXX. I have been on the phone with SunTrust now Truist since XXXX am and my small request remains unresolved. The final ask of the underwriter is a written confirmation that a forbearance amount was actually included in the payoff and there was nothing else owed on my part. I reached out this morning unsure of whether it was included, if it was not included in the payoff, I was prepared to wire the money to wipe out the remainder. I talked with several people who fed me misinformation to get me off the phone as they were not able to tell if this amount was included in the payoff. I was sent to HUD twice who had no record of a lien being transferred to them. I spoke with SunTrust XXXX XXXX, Home Preservation Specialists, and Loss Mitigation. I was on hold waiting for a manager over 2 hours before walking into the SunTrust Bank in XXXX NC for assistance at XXXX. A very nice lady at the branch called someone that was able to get to the bottom of the issue and misinformation. He found that the Forbearance was still active when the mortgage was paid off on the XXXX and the payoff amount included the remaining {$8400.00} ( forbearance ) in the total. He went on to confirm that no information had been forwarded to HUD. Now all I need is documentation to prove this to my underwriter so that I can close on my home tomorrow. The team that is able to provide this information was contacted and advised that it would take at least 72 hours to receive this info. I asked if this could be escalated to a manager that could assist with generating this document today as I am on an extreme timeline and need help. I remained on the phone until XXXX, when I was told that XXXX XXXX would be calling me in 20 minutes and could help with my request. Unfortunately this call never came. I really need help as I explained to everyone I talked to today. I am set to close on my home at XXXX tomorrow and only need this one document for the lender to release the funding. I will return to the bank first thing in the am hoping they will be able to assist.
Consumer complaint received 2021-08-25
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: Bread Financial Holdings, Inc. (GA)

COMENITY BANK/XXXX XXXX DATE OPENED XX/XX/2020 BALANCE XXXX COMPANY HAS DONE NOTHING TO RESOLVE THE ISSUE. 
IS FRAUDULENTLY REPORTING ON MY XXXX AND XXXX REPORT. 
I AM A VICTIM OF IDENTITY THEFT THE FOLLOWING ACCOUNT IS NOT A RESULT OF ANYTHING I HAVE PERSONALLY OBTAINED. PLEASE BLOCK/DELETE FROM MY CREDIT REPORT IMMEDIATLY.
Consumer complaint received 2022-12-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: AXOS FINANCIAL, INC. (AZ)

I received a statement for an account I did not open with axos bank. I contacted them and they claimed they closed the account ; however, this bank 's customer service is in a foreign country. I was given the run-around, and they have no fraud department to report fraudulent accounts to. They said this is an online bank, and I never participated in having my assets with an institution where I could not go speak physically with someone. I have no inquiries in my credit report that would coincide with axos bank.
Consumer complaint received 2022-09-26
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Weltman, Weinberg & Reis Co., L.P.A. (IN)

On XX/XX/XXXX I received a letter from this alleged debt collecting stating that I owe a debt. I do not have any recollection of this debt, which now makes this company liable in court. 

I demand them to send me any and all ledger accounts, original contracts as proof that I owe this debt. Anything else is NOT acceptable. 

If they take any action or report this alleged account on my credit report I will not hesitate to bring forth legal action. 

I demand that this company Cease any further action or communication until I receive the documents I asked for above.
Consumer complaint received 2019-06-21
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 tried to resolve these issues with the credit reporting companies and i have had no help and this is stopping me from buying a home. Please see accounts below XXXX account number # XXXX for {$580.00} XXXX XXXX Account XXXX # XXXX for {$0.00}, its a charge off thats not mine XXXX account number # XXXX collection that not mine either
Consumer complaint received 2021-12-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Helvey & Associates, Inc., Warsaw, IN Branch (NC)

on XXXX XXXX HELVEY & ASSOCIATES IN Original creditor : XXXX XXXX XXXX had an update on my credit report for $ XXXX.i contacted both companies the same day on recoreded phone call and told them i never received anything about a final bill or balance.both companies said that they had my email and never emailed me a notice or call.XXXX XXXX acknowledged that there was no forwarding address or a new moving address at the time of the closing of the account no past due amount was given.i expressed that i will pay my balance and would have paid my balance if i was informed of the past due amount. XXXX XXXX Rep told me there was no balance given because they would have to read the meter both companies said they that they had no forwarding address on file.HELVEY & ASSOCIATES IN Original creditor looked up the current address which was a different address and never sent anything over.
Consumer complaint received 2021-12-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (IA)

On XX/XX/2021, I called to dispute a debt from my old landlord asking for money to pay for move out fees. I disputed this debt with National Credit Systems Inc, and awaited a reply from them on it. I never received a reply. On XX/XX/2021, I called them to see what was going on and they said my old landlord responded on XX/XX/2021, that I owed 100 % of the debt in question. To my understanding, this is days past the 30 day deadline the company has to investigate a debt and report the findings to me. I believe my rights have been violated through a lack of communication about this debt and the investigative process, as I both never received a notice that the investigation was complete and it was completed past the deadline.
Consumer complaint received 2022-12-03
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: DISCOVER BANK (LA)

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish A account without written instructions.

15 USC 1666B : A creditor may treat payment as a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2022-03-26
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION (GA)

Without my permission BB & T took it upon themselves to allow many charges on my account from a furniture company called XXXX numerous times causing overdraft fees which resulted in a negative balance many, many times! I am very furious i have close my account they took months to refund my funds, but it happened many times after that. 

Please compensate me for the stress that this has caused. 

Thanks, XXXX XXXX
Consumer complaint received 2019-08-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (CA)

Back on XXXX, 2014, I went to XXXX XXXX, they offered me a discount for opening up a gap card, which I accepted. Card number : XXXX. I believed since I had given them my bank card to charge, that the charges I made that day were paid for. 

However, unfortunately, they put charges on the new card, which I didnt even have in my possession. In addition, my mail was being stolen and I never got any statements from Synchrony, or the actual card, which was never activated. 

3-4 months later, I get a call from a collection company, who says, I owe money to Synchrony/Gap. I immediately made the payment, and then I discovered that mail was being stolen ( See FTC report for stolen mail ). 

I had more than enough to pay when payment was due ( see bank statement showing {$19000.00} ). I paid off the account in full the first call I got from Collection company Attached : Banks statement ( showing I had {$19000.00} at time payment was due ) FTC report XXXX from 2014 showing mail was stolen including synchrony statements.
Consumer complaint received 2018-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

Id like to dispute a late mortgage payment from XX/XX/2015, a XXXX card and XXXX   card all from the end of XX/XX/XXXX.

I made these payments through the XXXX XXXX XXXX   portal like I do all of my bills and for some reason they did not post within the correct timeframe. I did contact XXXX XXXX XXXX and they informed me that they werent aware of portal issues but that because I called they would effect my credit. I just learned that it has affected my credit through a credit report.

Im not sure what to do since Ive just become aware of this. Im not sure XXXX XXXX XXXX  records their calls but if they do then thats the only proof I have.

I dont have bad credit since my score is XXXX  but I would like to have these marks corrected.

Thank you
Consumer complaint received 2022-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (PA)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my consumer reports and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
Consumer complaint received 2021-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: JPMORGAN CHASE & CO. (IL)

Since XX/XX/2021 I have made multiple calls and visits to Chase Bank regarding my legal name change. Since my name was changed almost 2 years ago their credit journey report has been incorrect. It shows a false negative report, does not reflect an accurate credit score, does not reflect accurate credit accounts, and has caused a denial for a card due to these errors. I have requested a call back from management per their protocols on 9 separate occasions including several times while on the phone with one of their branch managers and have never received a follow up regarding their mistakes. They originally blamed experian yet I conferenced a call with an experian employee who assured my information was all accurate and up to date and Chase was still unable to correct any of the errors on their side.
Consumer complaint received 2022-09-26
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: Experian Information Solutions Inc. (WA)

In accordance with the Fair Credit Reporting act. The accounts listed below have violated my federally protected consumer rights to privacy and confidentiality under USC 1681. 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 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 or 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 1681 s-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. 

COMPANY : ACCOUNT # : REPORTED : 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 XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Regards, XXXX XXXX
Consumer complaint received 2019-06-21
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Harris & Harris, Ltd. (NE)

I contacted a third party debt collection agency and was discussing my account with them on XX/XX/2019. They did not read the mini miranda to me and I specifically asked them if they are a debt collection agency. They said all they have to do is state that the phone call is being recorded. The company is Harris & Harris. The phone number for them is XXXX. The amount discussed was {$4800.00}.
Consumer complaint received 2021-12-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Direct Recovery Services, LLC (TX)

I have received multiple phone calls from direct recovery plus, they leave voicemails to try and sound like theyre lawyers. I have not once received any kind of notification in the mail of what they are even trying to collect.
Consumer complaint received 2021-12-10
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: Experian Information Solutions Inc. (VA)

I am trying to purchase a home. I have an inaccurate Experian credit score that has not been updated since XXXX XX/XX/XXXX. This is resulting in a higher interest rate. By law Experian is supposed to updated any inaccurate info on my credit report after 30 days. I have also disputed the two collections accounts on my credit summary but they still shows the accounts are in collections. They were paid off on XX/XX/XXXX. I need someone to ensure my score is reflected correctly to shows updated and accurate info. I have attached screenshots to reflect the issues, disputed info and more.
Consumer complaint received 2021-12-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc (CA)

On XX/XX/2021, I noticed unauthorized charges from my PayPal account and reported to PayPal right away as well as to my credit card company XXXX XXXX XXXX ). 

Starting from XX/XX/2021, PayPal sent me 17 emails telling me I got double credits for the disputes I filed and put {$530.00} into my PayPal balance negatively.

I called PayPal right away upon seeing these emails and charges placed by PayPal and asking for getting the issue resolved. None of my 10 calls get the problem settled. 

Now I start receiving debt collection calls and mails.
Consumer complaint received 2022-09-27
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: Experian Information Solutions Inc. (SC)

I have been a victim of identity theft and the disputed inquiries being reported on my Personal Credit File were never authorized neither initiated by me nor anyone I allowed to. By the provisions of the FCRA, I am requesting that the Credit reporting agencies deleted the disputed inquiries completely from my Credit report and stop their erroneous reporting.. 
I need the following inquiries deleted 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX