davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (MN)

I have a Paypal Mastercard through Synchrony Bank. I don't know the exact date I opened the account but it's no later than mid 2017. The problem I'm have is that Synchrony holds my payments up to 14 day ( and generally for the full 14 days ). I have contacted them about it numerous times. They will periodically release a payment but most often refuse to. My available credit is {$12000.00} and the card is used almost exclusively to pay for XXXX XXXXXXXX. The cost is {$37000.00} per month and I pay for it in increments of about {$10000.00}, pay off the card in total and then do the next payment for the XXXX. 

I have a history of over three years of using the card for these large purchases ( XXXX ) and making frequent and or large payments. There has never been an issue of a payment being late or rejected. My history with the card is perfect and my credit score is almost 800! 

Because they hold these payments, I'm unable to do the purchase of the medication in a timely manner. Synchrony told me they hold larger payments over {$2500.00} so I've made payments under that amount. {$2400.00} one day and then {$2000.00} the next. Then I was told they hold payments when they are made on multiple days too close together. I've talked to a supervisor who was rather rude and dismissive of my issues, only to say there's nothing they can do ... it's our policy! 

The payments are made from my online account with Synchrony 's "  pay your bill '' option. The payment is linked directly to my bank account. It's not a paper check that needs to be processed through the bank. I contacted Paypal ( because it's a Paypal Mastercard ) to see if they had any suggestions. I was told that my payment to Synchrony goes first to Paypal, they verify that the payment is in fact good ( the money is in the bank ), and then they send it on to Synchrony. With that in mind, I can see no reason for them to hold any payment when it's already been verified as good. When I asked the supervisor about that she repeated the same thing ... it's our policy! 

By the way, there have been times over the years that larger payments ( up to {$5000.00} ) have processed in a couple days so when they say they hold all large payments, it's not accurate. 

I have asked Synchrony what if any thing I can do to resolve this. They say there is nothing. 

I am beyond frustrated and angry. I realize this is legal according to the Truth in Lending Act but it sure seems immoral. I can't imagine that I have no recourse but it appears I don't. Filing this report is a last ditch effort to get something changed.
Consumer complaint received 2019-11-01
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SELECT PORTFOLIO SERVICING, INC. (NJ)

My family will be impacted by the deficiency judgement from a sheriff 's sale. 
I put my house on the market had a Contract and a Short Sale approvel on my mortgage which is now with the 3rd Trustee XXXX. My loan is now part of XXXX security XXXX. 

There is a replacement buyer on an a Short Sale Approval due to delay the peole I had bought something else. 

SPS servicing never told me the new buyer 's contract was never reviewed. I was not told that the replacement contract was never looked at. The new buyer Contract is all cash the buyer for the same amount. 

This unfair treatment will impact me and my children with the deficiency judgement from a sheriff 's sale.
Consumer complaint received 2019-11-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF THE WEST (NV)

item fully. Please also produce documentationto verify all the charges and credits in this supposed account that caused tothe extremely high credit figure you might have displaying on my account. Mydemand to present this records is a standard information demand in accordance withmy rights honored within the fair credit billing act. If you fail to give thesedetails per my civil rights petition, please make sure you quickly remove thisspecific wrong posting.
Consumer complaint received 2019-11-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I've been noticing my credit score with Trans Union was significantly lower ( approximately 50 points ) than the other two reporting agencies. I monitor my credit consistently and pay for a monthly subscription with XXXX. This first became a noticeable problem when I went to purchase a new vehicle in XX/XX/XXXX. I had expected a certain rate based on my known credit scores. When I went to pick up the vehicle, I was informed that the lender was unable to give me a lower rate and gave me a significantly higher rate of around 8 % and my payment was approximately {$60.00} higher monthly. I was on the spot with my trade in ready to go, so I just went with it. I chalked it up to a temporary dip in my credit score due to a recent consolidation loan and a recent home equity line that I'd taken or looked into, as well as the use of an older credit scoring model for automobiles that was less forgiving than some other models. As time went on, I have noticed my Trans Union scores have been approximately 50 points lower than the other two reporting agencies. Upon further review I realized my mortgage, which is nearly 50 % paid off, was not being reported via Trans Union, clearly a positive weighted factor on a credit score not being considered. I called Trans Union and they explained the lender may not be reporting it. I was annoyed because it was my first mortgage, of course it should be reported. I was advised to call the bank ( credit union ) regarding reporting. I was then advised by the credit union, XXXX and XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX, that they only report to Experian because they have to pay to report to the agencies so they only choose to pay for one, XXXX. Therefore, this positive credit account is omitted from my credit scoring model for Trans Union, and likely XXXX ( which has not yet been apparent in  my score, however could only improve what it is anyway ) driving down my credit score significantly, and in turn, costing me an unfair amount of interest in credit rates offered via loans or other extensions of credit overall. Credit Reporting agencies should not be allowed to CHARGE for my reported credit accounts from lenders, and lenders should be REQUIRED to report ALL credit accounts for a fair account of a consumer 's credit capacity, and risk rating. No actions were taken by either Trans Union or the Credit Union, as they are not required to do anything. However, this means that I will be subject to unfair denials of credit and/or higher interest rates than I am actually qualified for. This poses a serious injustice to consumers, most of which I am certain have no idea of its existence and damaging consequences to their personal cost of credit, and household budgets.
Consumer complaint received 2017-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (NY)

I have disputed wrong information on my experian credit report I keep getting emails the results are ready to view I put in the report number XXXX ( 1 ) I answered for my social security number dob and tried to view the results this is not the first time this has happened. I ca n't review the results from the investigation I keep getting a message that they ca n't allow me to view the results of the investigation and I need to call the XXXX number they provide. Like I mentioned earlier this is not the first time this has happened. How am I suppose to find out what the outcome is when they wo n't allow me to view I feel games are being played here because I have sought legal advise to this existing problem
Consumer complaint received 2017-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mid-America Accounts Control Bureau, Inc. (MO)

On or about XXXX XXXX 2016 Mid America Accounts Control Bureau began reporting inaccurate information regarding my bank account through XXXX XXXX XXXX XXXX I overdrafted my account and bank had permitted me to settle via a payment arrangement or fresh start program my account therefore was pursuant to FCRA in good standing in as much we had reached an agreement I have NO issue with XXXX XXXX  only with Mid America Accounts Control Bureau innacuratley reporting and still as of today XXXX showing i owe this amount on my XXXX report although XXXX XXXX advised them and they promised they would take it off my report.
Consumer complaint received 2020-10-12
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. (GA)

I have sent the company notices this is a debt that I don't owe and the account was from the result of identity thief from XXXX to XXXX. I have provided the police report, a report from FTC, etc ... Also informed them that the info they have on my report needs to be blocked and deleted. They have not removed items and find them to be in violation of several codes. I have sent proper notifications in a timely manner giving them ample time to remedy the issue. They have failed to remedy the matter and have not provided me of any documents which would verify why they would have these negative marks on my report which is causing economic harm. I have sent and recorded all correspondence that was sent certified mail for my records. I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. XXXX XXXX XXXX XXXX  date opened XXXX account # XXXX amount XXXX date opened XXXX and account # XXXX amount XXXX address : XXXX XXXX XXXX XXXX XXXX, Ma XXXX
Consumer complaint received 2019-11-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the documentwhether it's a charge off? The balance is in fact wrong, please make sure toreverse it to zero or remove the item fully. Please also produce documentationto verify all the charges and credits in this supposed account that caused tothe extremely high credit figure you might have displaying on my account. Mydemand to present this records is a standard information demand in accordance withmy rights honored within the fair credit billing act. If you fail to give thesedetails per my civil rights petition, please make sure you quickly remove thisspecific wrong posting.
Consumer complaint received 2019-11-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bull City Financial Solutions, Inc (NC)

Years ago while I was shopping in a local XXXX XXXX I was unattractive to my wallet. It was stolen or taken from my cart. When I found out I immediately filed a police report so I can get my cards back not thinking that I would need to do anything else. Years later after college I went to apply for a loan for a home and went to review my credit and saw many things that I was not familiar with. I did some research and found out my next step to getting it fixed was filling this complaint.
Consumer complaint received 2017-08-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Conduent Incorporated (CA)

My name is XXXX XXXX ( XXXX ) I HAD a EPPICARD. That is a card that the government offers at the Child Support Office. My child support is suppose to be deposited onto this card. I had XXXX XXXX, therefore I was in bed for a while after XXXX. In the month of XXXX someone used my card in XXXX XXXX Nevada at a XXXX. The card was used on the same days that, I was at a doctors XXXX XXXX XXXX XXXX Ca. Same days that I was in XXXX in Ca. I submitted my other bank records to prove that I was in fact NOT in XXXX XXXX at all on these dates. In the month of XXXX my card was used again in XXXX XXXX Nevada on the same day I was in XXXX XXXX XXXX for spring break with my children. I again provided documentation of my were abouts on these dates and that I was NOT in XXXX XXXX, Nevada. The month of XXXX, the person that had my card, knew that money was deposited in the beginning of the month and that it would hit then. I was able to get a print out of my activity on the card and I can see where the person used the atm at XXXX in XXXX XXXX, to check the balance. I to was calling to check the balance and it was very funny that I never was told the money hit. Over the weekend the person took all of my child support. Monday came and I finally realized something was wrong. I called the card ( took me literally forever to get a hold of someone ) when I did I was in tears and the lady had ZERO sympathy at all. I asked her what was I going to do with XXXX kids and no child support? She said, I could file a complaint and then, MAYBE I would get some money back. Well, I STILL have NOT received anything back. The person took a total of XXXX. That is a lot of money for a single Mom, or anyone I believe. I reached out to many people that work for the card. I got nothing back!! Never a CALL, or anything. I filled out paper work, they said they never received it. I faxed it and then they denied my claim because I did not make a claim for XXXX or XXXX. However, I did not know that someone had taken my money than. I have never had access to the card online and was never able to see what the activity was or anything. So, Since all of this, I have received nothing! I have filed a claim before, but they took it down. I have reached out to a lawyer and filed a small claims lawsuit. They company was SHOCKED I was doing that. I asked them if they would let go of XXXX, XXXX and give it to me? They said, NO! I said, well I am going to fight and juggle my kids, my busy life and my health to help other single parents that have this AWFUL CARD!! Please know this, this card is a fraud!! I believe someone on the inside stole my money! The card will never give you your money back or care about you!! I will fight and never give up until justice is heard. They just hope I will go away, they never answer their phone ( I have been on hold before for two hours, for them to hang up on me ) EPPICARD IS A FRAUD!! XXXX XXXX XXXX XXXX  If anyone has had this problem please reach out to me!
Consumer complaint received 2019-11-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (NV)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the documentwhether it's a charge off? The balance is in fact wrong, please make sure toreverse it to XXXX or remove the item fully. Please also produce documentationto verify all the charges and credits in this supposed account that caused tothe extremely high credit figure you might have displaying on my account. Mydemand to present this records is a standard information demand in accordance withmy rights honored within the fair credit billing act. If you fail to give thesedetails per my civil rights petition, please make sure you quickly remove thisspecific wrong posting.
Consumer complaint received 2019-11-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: I.C. System, Inc. (PA)

More than 8 years ago. I had cable services. I was having severe finacial problems at that time and I couldn't afford cable services anymore, so the cable company canceled my services. I ask if they wanted there equiment/cable boxes back and they refused to take back the equipment/boxes so they charged me for the boxes. This debt was apart of my bankrupcty. The XXXX XXXX XXXX put my account in collections and it appears they are charging me for the equipment so they are refusing to remove the debt from my credit report. The debt collection agency or the cable company changed the date to XXXX 2018 to keep it on my credit report This is not fair. Please help me in resolving this problem. Thank You
Consumer complaint received 2018-09-18
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (ME)

In XX/XX/XXXX we received a response from XXXX XXXXXXXX XXXX ( " XXXX '' ) concerning the length of time the company reported a negative item on our credit reports. I have attached a copy of the company 's response. We submitted a complaint to your agency on XX/XX/XXXX and XXXX responded that this is a duplicate inquiry. However, this is a new complaint. XXXX confirmed that the negative item ( late payment ) first appeared on our credit reports in XX/XX/XXXX. 

According to Section 605 - 15 U.S.C. 1681 c ( a ) ( 1 ), ( 4 ), ( 5 ) and ( c ) ( 1 ) ( Fair Credit Reporting Act '' ) an adverse item shall not remain on a report for more than 7 years beginning on the date it was first reported. We are now past the 7 year period and BoA continues to report the negative item on our credit reports. When we filed our initial complaint in XX/XX/XXXX, the 7 years had not fully lapsed. We are now over the 7 year mark and the negative item remains on our credit report.
Consumer complaint received 2021-03-25
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. (IL)

i filed a dispute in the beginning of the month of XXXX for items listed on my credit report that is inaccurate i have yet to hear back or receive a response, I also sent the letter certified mail.
Consumer complaint received 2020-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have attempted to dispute the incorrect items on my credits reports for several times starting from 2020. However, the credit bureaus back and forth change and reverse the disputes.
Consumer complaint received 2018-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

XXXX XXXX XXXX was paid and settled even after illegal predatory actions taken including sending a false lawsuit document as a scare tactic. In settlement with XXXX they agreed to remove all negative trade lines from all 3 credit reporting agencies. This still has not been done.
Consumer complaint received 2017-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (TX)

My husband and I filed for bankruptcy in XXXX. We filed in XXXX of XXXX and it was XXXX in XXXX of XXXX. Our home was included in this filing however, we still own and live in the home. Our lien holder XXXX, is reporting on our credit report as the first reporting date was XXXX and not in XXXX. When questioned, they sent a letter which I will attach. I do not want this liability removed, I want it updated with the correct reporting date of XXXX and not XXXX. By XXXX not reporting this accurately, it is unjust and illegal. This is in direct violation of the Fair Credit Reporting Act. I would like this updated immediately. I have also attached our bankruptcy discharge paperwork.
Consumer complaint received 2017-08-11
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. (TX)

My husband and I filed for bankruptcy in XXXX. We filed in XXXX of XXXX and it was discharged in XXXX of XXXX. Our home was included in this filing however, we still own and live in the home. Our lien holder XXXX, is reporting on our credit report as the first reporting date was XXXX and not in XXXX. When questioned, they sent a letter which I will attach. I do not want this liability removed, I want it updated with the correct reporting date of XXXX and not XXXX. By XXXX not reporting this accurately, it is unjust and illegal. This is in direct violation of the Fair Credit Reporting Act. I would like this updated immediately. I have also attached our bankruptcy discharge paperwork.
Consumer complaint received 2023-05-30
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: EQUIFAX, INC. (AR)

This is my 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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Consumer complaint received 2023-01-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (TX)

XXXX not exactly sure of exact dates etc, but I was sent an email about Wells Fargo and unauthorized fees, which I have experienced since being a customer with them over the last XXXX years, quite frequently. It seemed like every other month there was a {$35.00} fee or a monthly fee that frankly I was under the impression when opening up my XXXX checking accounts, XXXX was a joint account with my spouse, and a savings account that monthly fees were waved but it seems I was always charged something.