davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: SYNCHRONY FINANCIAL (OR)

Synchrony bank switched programs with their XXXX XXXX cards. My automatic payments were stopped without any notice and I sustained a missed payment and was charged a finance charge which will appear on my credit report. 

Synchony declined to send me a letter apologizing for the mistake. 

My credit score may suffer for their error and this will impact my ability to get a low monthly payment for loans in the future.
Consumer complaint received 2019-08-17
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. (HI)

You need to get this XXXX off immediately as it is NOT COMPLIANT ... This is illegal and improper reporting of information, delete without delay permanently as you are required to do to become or remain in metro compliance yourself regardless if or not the reporter alleged is in compliance or not.. XXXX, XXXX XXXX, XXXX, XXXX XXXX
Consumer complaint received 2021-12-03
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. (PA)

There are items on my credit report that are violations of the FCRA that I request to be remove expeditiously for violating my rights as a consumer. There is invasion of my privacy and defamation of my character. No consent, Identity theft!
Consumer complaint received 2021-05-06
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc. (CA)

Recieved XXXX XXXX XXXX XXXX gift cards for XXXX $ each on XX/XX/21. On the back it says it is good to purchase merchandise at XXXX. I tried to do this onXX/XX/XXXXand when you click on the shop tab it redirects you to XXXX and when you try to use these it says card not activated. When I check the balance at XXXX it says XXXX , but when checking it at XXXX it says the card is invalid. I called XXXX onXX/XX/XXXX and they told me to contact the card issuer. I called the number on the back of the card and they told me that I should be able to use these at XXXX, but there is no way for them to correct this problem. They suggested I go to the team store at the XXXX, but I pointed out online the store is only open on game days and you need a ticket to get to the store.
Consumer complaint received 2019-08-17
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: BMO Bank, N.A. (WI)

On XX/XX/XXXX my checking account was overdrawn by XXXX after a utility payment posted. The XXXX overdraft occurred because of a gratuity on a restaurant bill. Charging a {$36.00} fee and returning a {$630.00} utility payment all for the lack of XXXX is disgusting.
Consumer complaint received 2019-08-17
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. (HI)

You need to get this XXXX off immediately as it is NOT COMPLIANT ... This is illegal and improper reporting of information, delete without delay permanently as you are required to do to become or remain in metro compliance yourself regardless if or not the reporter alleged is in compliance or not.. 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 ( ORIG CREDITOR : XXXX   XXXX XXXX XXXX XXXX  ), XXXX XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX ), XXXX XXXX XXXX  XXXX ( ORIG CREDITOR : XXXX XXXX XXXX ),
Consumer complaint received 2019-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. ()

Will not provide free credit report to addresses other than those in the US. I am an American citizen, XXXX military veteran and live abroad and can not enter my foreign address to obtain my three free annual credit reports.
Consumer complaint received 2022-04-27
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. (FL)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and the late payments need to be updated.
Consumer complaint received 2019-08-17
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. (CT)

On XX/XX/2019 I called XXXX bank to have my monthly car payments withdrawn on the XX/XX/XXXX of every month startingXX/XX/XXXXXX/XX/XXXX until further notice. I went away for my birthday week and expected my bills and car to be automatically withdrawn as I was assured and told by XXXX at XXXX that I was all set up and my automatic payments would start XX/XX/XXXX. I received myXX/XX/2019 bank statement from my personal bank and saw my car payment did not come out. I immediately called XXXX and was told they have been having computer issues and will fix my account. I paid them XXXX XXXX as they said I was 33 days behind. I paid up in advance. The next 3 days o received a notice from experian that o was two payments late. I called XXXX to fix this and another women told me I had to dispute this issue. Well I did to all 3 credit bureaus, the following day. I had update to my payment and Iam current but the late charge for XX/XX/2019 was not my mistake. I have been paying two years and excellent payments. This has hurt my further as my credit score dropped and I have had my credit scores in the 700s for my hard work, me being responsible and me paying my bills on or before my due date.
Consumer complaint received 2019-08-17
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: EQUIFAX, INC. (CT)

On XX/XX/2019 I called XXXX XXXX to have my monthly car payments withdrawn on the XXXX of every month starting XXXX-19 until further notice. I went away for my birthday week and expected my bills and car to be automatically withdrawn as I was assured and told by XXXX at XXXX that I was all set up and my automatic payments would start XXXX-19. I received my XXXX XXXXXX/XX/XXXX bank statement from my personal bank and saw my car payment did not come out. I immediately called XXXX and was told they have been having computer issues and will fix my account. I paid them XXXX XXXX as they said I was 33 days behind. I paid up in advance. The next 3 days o received a notice from XXXX   that o was two payments late. I called XXXX to fix this and another women told me I had to dispute this issue. Well I did to all 3 credit bureaus, the following day. I had update to my payment and Iam current but the late charge for XX/XX/2019 was not my mistake. I have been paying two years and excellent payments. This has hurt my further as my credit score dropped and I have had my credit scores in the 700s for my hard work, me being responsible and me paying my bills on or before my due date.
Consumer complaint received 2021-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE (CA)

BARCLAYS ACT # XXXXX XXXX 30 DAY LATE TO CREDIT BUREAUS FOR XX/XX/2020 THAT WAS DUE TO COVID-19 PANDEMIC AND AGREED TO COMPLY WITH CARES ACT RULES AND REGULATIONS HOWEVER HAS FAILED TO REMOVE IT FOR A YEAR NOW .... 

SEE ATTACHED SUPPORTING DOCUMENTATION FOR MY CLAIM. I HAVE REQUESTED BARCLAYS ON NUMEROUS OCCASIONS FOR SEVERAL MONTHS NOW TO REMOVE 30 DAY LATE REPORTED THAT WAS NOT MY FAULT AND WAS DUE TO A MEDICAL CONDITION THAT WAS CAUSED BY A NATIONAL PANDEMIC. I PROVIDED MEDICAL DOCUMENTATION TO SUPPORT MY CLAIM AND RECEIVED MAIL FROM YOU OFFERING ASSISTANCE RELATED TO COVID-19. HOWEVER, YOU DENIED MY REQUEST TO REMOVE THE LATE IGNORING MY WRITTEN AND VERBAL REQUESTS, ONLY TO SPIT OUT COMPUTER-GENERATED RESPONSES TO EVERY LETTER I HAVE WRITTEN AND EVERY CALL I HAVE MADE GOT TRANSFERRED TO ANOTHER PERSON WHO TAKES MY COMPLAINT BUT ENDS UP DOING NOTHING ABOUT IT ... .. 
I HAVE NOW TAKEN THIS TO THE GOVERNMENT AUTHORITIES AND HOPE FOR JUSTICE TO BE SERVED ....
Consumer complaint received 2020-12-03
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP (AZ)

My USBank CD for {$100000.00} matured on XX/XX/2020. This was a transfer account from XXXX XXXX XXXX  I call the XXXX XXXX /USBank number at XXXX on XX/XX/2020 in the 10 day window for CD instructions prior to maturation. I spoke to XXXX who took my instructions to transfer the balance into my savings account. He confirmed this would take 7-10 days and a letter would be sent to confirm. No letter was ever received. 

I called on XX/XX/2020 to the number above and spoke to XXXX. After discussion and hold time for her to confirm actions to be taken the call was disconnected. I called back same day and spoke to XXXX at XXXX XXXX  AZ time. She confirmed my requests was " done '' and action would reflect in 7-10 days. 

I went online today XX/XX/2020 and the CD information no longer appears and the money was not transferred into my savings. I called number above and spoke to XXXX who confirmed that the CD was closed and a certified check was sent. Since the CD was closed they can not stop payment and take the requested transfer action. This check will not be received for ANOTHER 7-10 days. US Bank has denied me access to my funds for what could be a total of 19 days!!!
Consumer complaint received 2022-10-07
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: ENCORE CAPITAL GROUP INC. (MI)

The original creditor XXXX XXXX Bank ( XXXX XXXX ) Account no. XXXX charged the original debt off and without my consent ( written or oral ) sold to Midland Credit Management.
Consumer complaint received 2021-05-06
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. (NC)

I have received a copy of my credit report and it shows company XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$410.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Consumer complaint received 2022-04-27
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. (VA)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.
Consumer complaint received 2022-04-07
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. (SC)

I sent dispute letter to XXXX on XX/XX/2022. It is now XX/XX/2022. On XX/XX/2022 I disputed the following accounts. 
XXXX Account number XXXX {$7500.00} XXXX  XXXX Account number XXXX {$1300.00} XXXX  XXXX Account number XXXX {$960.00} XXXX XXXX Account number XXXX {$460.00} XXXX Account number XXXX {$1000.00} XXXX Account number XXXX {$3500.00} XXXX Account number XXXX {$5100.00} XXXX Account number XXXX {$9500.00} XXXX Account number XXXX {$5700.00} XXXX Bank Account number XXXX {$1000.00} XXXX XXXX Account number XXXX {$750.00} XXXX XXXX XXXX Account number XXXX {$5000.00} XXXX XXXX Account number XXXX {$370.00}
Consumer complaint received 2021-12-03
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION (MN)

From XX/XX/XXXX, I called the company numerous times about the amount of the car and the terms. The first thing that happened was covid. I bought the car at the end of XXXX or beginning of XXXX. Then, covid happened and I lost my job before the 1st payment was even due.. I called about returning the car because I couldn't afford it now. The company told me I couldn't return the car but I can do a covid 6 month paperwork to not have payments. I told them I know I'm still not going to be able to afford it. They told me I can sign the paper or let the car be repossessed. In XX/XX/XXXX, after the 6 months was over I started making payments I couldn't afford. I was still unemployed. Then, the interest rate was high so I said I wanted to refinance so I can get out of this loan. I didn't see any other way out. I refinaced the car XX/XX/XXXX. They received the 10 day payment in the 10 days to covered the $ XXXX amount. However, the company didn't cash the check in time. Which then left a balance of {$26.00}. I called and talked to a representative, which explained the situation to me. I told her I have proof of when it was received and cashed. She declined to remove the amount. Then, I talked to a representative at my bank that then at that time send another check for the {$26.00} balance. I called again a representative said they cashed and received it on XX/XX/XXXX. However, the company still reports I owe them a balance. They aren't helpful when you call to handle the situation. I don't know what to do anymore.
Consumer complaint received 2018-02-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (MA)

I filed an original complain to remove this derogatory mark on XX/XX/XXXX. In the response to that claim XXXX XXXX, XXXX stated that the debt that does belong to me. XXXX XXXX, XXXX also stated that they send and the mail to me which I never received. My last name is spelled incorrectly and the last 4 digits of the phone number listed are not the digits for any member of my family plan. 

My payment history with XXXX is included below to showcase that over the past year my balances were always paid off in full, including the payment in XX/XX/XXXX. 

I have spoken with a XXXX representative XXXX ( XXXX ) @ XXXX who assured me that my account is in good standing and has no issues at all and prompted anyone questioning it to contact him directly for references purposes, in order to confirm my statement. I've attached XXXX ( XXXX ) @ XXXX email
Consumer complaint received 2021-05-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

A Walmart account has been fraudulently created using my name and information. I didn't authorize this account nor did I have knowledge of this account when it was opened. Immediately after learning about this fraudulent account I contacted the company directly for them to close the account and deal with the situation. They have not handled the situation. I am demanding that the company dispose of this account and remove my information from their system as well as remove this account from my credit report immediately. This is not fair and is tarnishing my good name and I will not stand for it.
Consumer complaint received 2021-05-06
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)

NEED HELP REMOVONG SOME INCORRECT INFORMATION FROM MY REPORTS. I HAVE YET TO RECEIVED ANY RESPONSE FROM ANY BUREUAS I HAVE 3 TRACKING NUMBERS FROM THE MAIL I SENT THEM. THESE TRACKING NUMBER ARE FROM THE SECOND ATTEMPT IVE TRIED MAKING. 

XXXX  : XXXX XXXX XXXX XXXX XXXX EQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-10-26
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2018-02-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: DOAN SOLUTIONS (NY)

I was contacted by Doan Solutions by a guy names XXXX XXXX. As of the date XX/XX/XXXX I have paid {$450.00} to have my loans consolidated by this third party that seemed to know how to get me into a forgiveness program with fed loan. For the last month of XX/XX/XXXX I had an automatic payment set in place for XXXX $ to be taking every Friday up until past XX/XX/XXXX. I was told by XXXX XXXX Agents that I could have did the processing myself free of charge. All services are free of charge through XXXX XXXX & Department of education through the XXXX   college I went too. ( XXXX XXXX College ) I dont know how they came across my information but they got enough money from me for services that are free. XXXX told me that the total amount to get my loans out of default & into a payment plan it would be a total amount of {$690.00}. I have stopped making any further payments from this third party but would like my money back.
Consumer complaint received 2022-04-07
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (TX)

MIP on my loan Ive tried to have removed several times over the years so I had about 8 yrs more to pay off my FHA mortgage and still MIP remain on my mortgage so since they wont remove it I pay the loan off and ask if there was money coming back to me for the mortgage insurance protection and I was told no and I was told by other realtors that after I pay my mortgage loan down by 20 % the MIP would be remove but Quicken loan says no and that it would remain on the loan until it is paid in full and I just dont believe that, they couldnt loose any money even if I defaulted on my loan so it should have been removed my name XXXX XXXX
Consumer complaint received 2022-04-07
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. (AZ)

n accordance with the Fair Credit Reporting Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2021-05-06
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)

NEED HELP REMOVONG SOME INCORRECT INFORMATION FROM MY REPORTS. I HAVE YET TO RECEIVED ANY RESPONSE FROM ANY BUREUAS I HAVE 3 TRACKING NUMBERS FROM THE MAIL I SENT THEM. THESE TRACKING NUMBER ARE FROM THE SECOND ATTEMPT IVE TRIED MAKING. 

XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX TU : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-22
Product: Credit 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: CITIBANK, N.A. (CA)

I made a purchase for a garden saw for {$99.00} at home depot in XXXX. On XXXX I received a notification that an account was made under my name with a random username. At that time I applied for a credit card, and I was given a paper card to use while in store. They said theyd mail me a card in a few days. The card was then mailed to me, however my entire neighborhood had their community mailbox broken into. The person that got my credit card spent almost a XXXX dollars, and I quickly confirmed on my phone that no those transactions were not mine. I quickly made a police report, and awaited follow up from XXXX XXXX. With that I also closed my credit account. After a few back and forth cases, they first determined it was me. However I am XXXX and only XXXX. There is no way security footage had me on the tape. They told me to send my drivers license as well as signature to their investigations. I did, but after a month they again determined it was me. I called customer support again, and they said to just pay the XXXX while they investigate ; I did that. They called back a month later saying I owed XXXX more dollars and that the charges were put back onto my account because they determined it was me. I told them to send me an explanation and details as well as evidence. They quickly said they would but still have not. Its been XXXX  months since that call. This has been happening/going on since the XX/XX/XXXX. It is now almost XX/XX/XXXX. I have sent them every detail. Now this is getting ridiculous, Ive opened XXXX cases with them.