davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

My credit report XXXX score is super low ( XXXX ) and one card canceled me because of my low score even though I have ( NO MISSED PAYMENTS ). Turns out there are two problems with my Credit Reports. One I show owning XXXX on car loans when it should be closer to XXXX. Turns out both the payoff and the new car loan show up making it XXXX instead of XXXX. I have contacted XXXX XXXX and they lowered there amount owed and XXXX is looking into it. Next my XXXX XXXX XXXX  XXXX XXXX went from and XXXX to XXXX  yet on the credit report shows a maxed out card XXXX on Visa and XXXX on XXXX. I only owe XXXX and the card went from XXXX to XXXX and transferred the balance to the XXXX. IT IS NOT 2 SEPERATE CARDS! All of this is hearting my credit score and needs to be fixed immediately.
Consumer complaint received 2021-07-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (TX)

- My mortgage was transferred from XXXXXXXX XXXX XXXX to Sun trust around XXXX XXXX. 
- I signed up for online account access around XXXX XXXX as well as setting up for automatic payments through the Sun trust Website. I received email confirming this. see attachment - I received a letter Dated XXXX XXXX stating that my auto payment will be processed starting XXXX XXXX on the 1st of each month. - See attachment. 
- on XXXX XXXX i received email from Suntrust specifying that the payment was received, see statement. 
- on XXXX XXXX my bank ( XXXX ) showed a transaction showing an ACH withdrawal to Suntrust for my XXXX payment - see attachment. 
- on XXXX XXXX my mortgage statement showed that the payment was processed on XXXX XXXX. - see attached statement. 
- I stopped payment on check # XXXX from BIll Pay on XX/XX/XXXX from XXXX to XXXX XXXXXXXX XXXX for XXXX payment since this payment was not needed at XXXX. This check is ADDITIONAL to the ACH withdrawal that has cleared since XXXX XXXX - showing on my account on XXXX XXXX. 
- XX/XX/XXXX I received an email from Suntrust that my account is delinquent and i have been assessed a {$55.00} late fee- see attached email. 
- XX/XX/XXXX I have spent over XXXX hours on the phone trying to resolve this situation both with Suntrust and XXXX. XXXX confirmed that my payment via ACH withdrawal has been posted since XXXX XXXX and they have GUARANTEED that a stop payment on a specific check does not affect a previous ACH withdrawal. 
- I have reached a stopping point with no more progress after speaking with 6 representatives at Suntrust that can not fix the issue. I have spent about 3.5 hours just on the phone ( records available upon request ) - I am 10 days from my perfect credit being affected by the negligence of Suntrust.
Consumer complaint received 2021-09-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY (GA)

On XX/XX/2020 I called requesting to defer my payment as I work in the XXXX XXXX and due to Covid -19. I was not certain what will happen with my job. Wells Fargo approved my request while in the call. To my surprise in XX/XX/2020 I realized they had reported my account 30 days late for XXXX. I called them to correct their mistake but they werent willing to help. XX/XX/2020 I decided not to continue to do business with Wells Fargo Bank, paid off my account in full and closed it. I had that account 3 years and never missed a payment. Please help me correct this unfortunate situation as Wells Fargo Bank is not being responsible for the lack in service to me as a consumer.
Consumer complaint received 2021-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

Spoke to Experian fraud department. 

The woman told me that any company at any time without my permission can access my credit report this is what the woman at Experian told me she works at the fraud department I called in today XX/XX/2021 in order to dispute a credit inquiry from a company that I did not know who they were I told the woman who works for Experian that the credit inquiry hard inquiry was illegal she replied what does illegal mean and would not assist me further I didnt stated that there was fraud. In the Experian fraud department woman asked me what does it mean fraud? 

I told her that an unknown unrecognized company had access my credit report for a hard XXXX and I want to dispute that hard XXXX she told me that is not possible. 

I asked to speak to her supervisor at Experian and she said the supervisor would also tell me that any company at any time can do a hard pull on my account without my authorization and without my permission. Therefore she refused to dispute the inquiry. 

She then hung up on me.
Consumer complaint received 2022-04-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (RI)

CAPITAL ONE : Account number : XXXX, Records show I have now missed only XXXX payment in over 6 years of having this card. This account is set up on autopay and has been for years hence why this account has such a good payment history. I have reached out to notify them that this must have been a mistake on their end as this account is auto charged. I did call them and they acknowledged that a payment was made that month but show how late on a date different then all the other months.PLEASE HAVE THIS FIXED IMMEDIATELY!
Consumer complaint received 2018-04-06
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc. (NY)

On XX/XX/XXXX we signed a JOINT ( husband and wife ) 36 months lease for new Chevrolet truck Silverado 1500. 

We received TWO separate letters dated XX/XX/XXXX stipulating the terms of the lease. Fortunately the TWO letters referenced the same Lease #. 

On XX/XX/XXXX, we received TWO separate billings, one for husband and one for wife. It is important to note here that the due date is the 3rd of each month and the payment must reach GM Financial in XXXX, AZ XXXX. Distressed, we called GM Financial at XXXX on XX/XX/XXXX. We were told by GM rep. that they made a mistake in setting up our lease on their system. We were assured that it will be corrected and that we will receive payment coupons in a proper time frame to be able to make the payments on time. On XX/XX/XXXX, we sent a certified letter to GM Financial Leasing XXXX XXXX XXXX, XXXX, TX XXXX demanding correction of our records. We also sent, on the same day, separate certified letter containing our payment for the XX/XX/XXXX installment and demanding 1 ) combining of our names on the payment coupons and, 2 ) stoppage of sending us double billings for the same lease, 3 ) booklet containing payment coupons for the lease. We kept repeating the same requests with each subsequent monthly payments To make sure we also filed the same complaints on the GM Leasing web site XX/XX/XXXX, then again on XX/XX/XXXX and again on XX/XX/XXXX. 

The only response we received from GM Financial was an e-mail of XX/XX/XXXX from XXXX XXXX responding to our Survey of " dissatisfaction '' that we completed before advising us that we better pay our bills on the Internet to avoid double billings. Another change we noticed was that for the XX/XX/XXXX billing they sent us only one billing for the husband but no change reflecting JOINT ownership of the lease. The bills from GM continue to arrive FIVE days before due date. As a side note, it takes approximately 7 days for the US Post Office to deliver our payments from our location to GM location in Arizona
Consumer complaint received 2019-11-06
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (TN)

Hello, I have been using Synchrony Bank Credit card since past 5 years. 
As part of Text and Email alerts, I have setup Text and Email alert for any payment which is due in 2 days. We generally set up this alert so that even if you miss reading the email, at least you have a notification on your cell phone. 

The Synchrony bank payment was due on XX/XX/2019. I did not receive any text notification on my cell phone for any payment due notice. So the Bank charge me {$38.00} fee for the same. I got only a text notification on Friday XXXX XXXX stating the following. " Amazon.com Store Card Courtesy reminder. Make payment. syncbank.com/amazon.XXXX. FreeMsg : Synchrony Bank. To opt out reply STOP '' On XXXX XXXX I got a text message as this, " Quick heads up to make payment at syncbank.com/amazon or call XXXX. FreeMsg : Synchrony Bank. To opt out reply STOP ''. 

Today, on XXXX XX/XX/2019, I receive call from Synchrony bank debt collection for immediately paying the amount {$79.00} as it is past due. when I told the lady on the call that I did not receive any text notification for payment due and I received a text notification on XXXX XX/XX/2019 only after the payment is past due. As this is a technical glitch from the bank side, I am not willing to pay any late fee. 

The lady was patient enough to listen to me and transfered to customer service but unfortunately I had to hang up the call. 

I called back customer service XXXX and told the representative what has been happeneing, she argued with me that you have been receiveing text message 'as per their system ' and talked to me with high tone saying 'you did not pay bill on time because you did not receive text message is not a good reason, it does not work this way! ' I am extremely unsatisified with the representatives tone and told her I will be closing my account. On that she said " yes please go ahead, you can do so '' and hung up! 

Please advise me how I can get some justice with this complaint and issue. Bank charge hefty {$38.00} late fee and the customer service is even ruthless to hear the issue fully and blame it on customer for the mistake bank committed!
Consumer complaint received 2017-11-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I had opened a checking account with Bank of America a few years ago, and I had gotten a secured credit card. Unfortunately I had overdrawn the bank account, and my card went to collections. 

In XX/XX/XXXX, I went into a Bank of America location to pay both accounts off in full, in cash. Upon attempting to pay my debt in the branch for the secured credit card, they told me they were unable to accept my payment. They did however accept payment for my Checking account. 

I have been denied opening a checking account at a local credit union in XX/XX/XXXX. They told me to investigate with XXXX XXXX. 

I contacted XXXX XXXX, and Bank of America is not on my report, however, I was told by the branch manager, that the checking account from Bank of America was not showing paid. 

I have contacted Bank of America in an attempt to have documentation forwarded to myself and the local credit union. They told me that they were sending this documentation via fax to my credit I attempted to pay the debt in XX/XX/XXXX, and I feel that it should reflect that. I am paying the balance in full today, XX/XX/XXXX, as I have been informed by Bank of America 's collections department, that I CAN indeed pay in the branch. I was told that if I had any problems paying this debt, to contact Bank of America back at XXXX, and speak with a supervisor. Unfortunately the supervisor also told me they were unable to adjust the report to the credit bureaus. 

I feel that Bank of America has violated fair debt collection practices by refusing my payment in XX/XX/XXXX.
Consumer complaint received 2022-01-07
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

Chase Bank moved {$930.00} from a Equity line of credit on XX/XX/XXXX that i have which i did not know that i had because i refinanced to another bank in XXXX, Why would they still keep the line of credit on a mortgage that they don't have on my house?? They said it was moved to a XXXX XXXX Checking account with our computer, we do not have a XXXX XXXX Checking account. And XXXX XXXX has confirmed that we are not linked to Chase and XXXX can verify that. Chase will not give us any proof that they moved the money there. We have had XXXX working on this since it all started. Chase has not been helpful at all, we have tried to get a 3 way telephone call with Chase, XXXX and Me with no luck. We believe that some one at Chase either entered in a wrong digit or internal fraud, and they '' re not making good on this. All Chase said is that we did notify them within 60 day deadline that was in my line of credit contract that i signed in XX/XX/XXXX. Show me proof that i did this.
Consumer complaint received 2023-02-08
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: Experian Information Solutions Inc. (GA)

I submitted a letter to the Experian Credit Bureau to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX Balance : $ {$38000.00}
Consumer complaint received 2018-04-06
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: Synerprise Consulting Services, Inc. (TX)

I am wanting to buy a home so I am trying to pay off bills I have in collection, I wasn't aware of a lot them that are in collection due to the year they went in, which it ranges from XXXX and mainly all medical bills from XXXX XXXX I had to have, I looked on XXXX  XXXX to see what all on there but it didn't list them all for some reason ... i have asked all 3 credit burous for my reports due to I cant seem to just look at them on-line ... anyway ... on XX/XX/XXXX i started to call the agencies where i have bills at pay them in full, i called XXXX XXXX  that my report said i had 1 bill at there in amount of XXXX but they informed me i had 3 bills in amount of XXXX, I requested they send me a statement and they said they don't have to send me anything and how would l like to pay that today? I told her i'm not paying anything till I get a statement and she informed me well I guess you will owe this forever then .... 
next one is XXXX XXXX i had 3 bills there according to my report but when I called they said I had 5, the 2 I didn't know about amounted to XXXX which the total of all was XXXX so i paid it all in full and requested they send me a statement that says each bill that is paid, she informed me we don't do that, I can send you a email for proof of payment saying paid in full, I said ok but how do i get a statement of each bill that was paid, she basically said she doesn't know nor do i care ... .this was after i paid it all in full ... my acc # is XXXX and conf # is XXXX that's all she tell me, next one is XXXX XXXX my bill there was XXXX which I paid in full but said she could not send me anything that said i paid ... she said use your account to prove it, I cant prove its paid by that cause there is no name of company where the bill came from nor would it say paid in full ... .I am so mad that all these places don't give a XXXX about you and all they want is money..all of them told me it would be over 6 weeks before my credit report would say its been paid or longer depending on how they feel ... .this is not freaking right ... I'm trying to get my credit to a great place and they don't seem to want to do XXXX for you ....
Consumer complaint received 2018-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The total balance of the XXXX XXXX was paid in full in XX/XX/2018. The balance still have been failed to be updated correctly of transition, XXXX, and XXXX. Tried to resolve with XXXX but failed to do so. I need the correct balance of {$0.00} to reflect on the credit report.
Consumer complaint received 2019-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

My name is XXXX XXXX XXXX I am having issues with my personal information on my credit file. 1st my name is spelled wrong five different ways, XXXX XXXX XXXX is the ONLY spelling that should be on my report. My SS # is XXXX please delete any other SS # on my file. 
I have several addresses showing that do not belong to me please remove the following:XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX  , OH XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX
Consumer complaint received 2018-04-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (CO)

I was one of many individuals who decided to prepay their property taxes in XX/XX/XXXX. At that time, I notified Freedom Mortgage that my property tax was prepaid for payments due in XXXX. The representative stated that early in the year in XXXX that they would be conducting escrow analysis and refund the money prepaid after the analysis. 

After no action from Freedom Mortgage, I contacted them in XXXX and explained the situation. I again restated the prepayment situation and my conversation with their representative in XX/XX/XXXX and asked that an escrow analysis be completed as the two property payments in XX/XX/XXXX and XX/XX/XXXX would not occur from Freedom Mortgage and to refund me the money. They stated that the escrow analysis would be completed and refunded to me. 

An analysis and check for the XXXX payment was provided in XX/XX/XXXX. However, only half of the amount due was refunded to me. I immediately called them and stated that their analysis was incomplete and they owed me the XXXX payment. They stated that their analysis team did not consider the second payment and requested additional documentation and proof of payment which I provided minutes later. They stated that the new analysis would be expedited the following week. 

After no action, I called Freedom Mortgage back a week later and asked where the analysis was. The representative stated it was still in process. 

I called back yet another week later after no action on XX/XX/XXXX and asked where the analysis was. They stated it would be completed on XX/XX/XXXX. 

After no action, I called back on XX/XX/XXXX and asked where the analysis was. They stated it would not scheduled to occur until the end of the month. I countered stating that they told me this would be expedited and was to be completed by now. I then asked to speak with a supervisor. The supervisor was also unhelpful. He stated that the multiple requests to have the escrow analysis redone were closed and that no action was to be taken. I again explained the situation and requested we speak to the analysis team as they were not reading their notes or correctly assessing customer accounts. He refused saying " he didn't have their number. '' Freedom Mortgage has continued to stonewall my attempts at getting an escrow refund legally due to me and my repeated attempts at trying to get them to remedy the situation have failed. I have no other option than to report them.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MO)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2021-07-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (OR)

A {$49.00} charge was made to our credit card through USAA on XX/XX/XXXX. Ordinarily, my wife and I never use this card, but it was linked to our XXXX XXXX account and inadvertently charged. That was our fault, of course. 

Previously, in XXXX, we had transferred a balance to that USAA card and set up a monthly charge using USAA 's autopay feature. That continued until the balance on the card was ultimately paid off in XX/XX/XXXX. However, around XX/XX/XXXX, when notified by the USAA app that an autopay charge was about to be incurred, my wife used the USAA app to increase the amount of each monthly payment. This continued until the balance was fully paid. However, evidently, increasing the payment amounts each month -- when prompted to do so -- resulted in a cancellation of the monthly autopay without any warning and without our knowledge. 

Between XXXX and XX/XX/XXXX, there were no charges incurred on the card until XX/XX/XXXX, when the {$49.00} charge was incurred. USAA sent a statement on XX/XX/XXXX via email that shows the charge, but I likely did not even bother looking at the statement -- and I certainly didn't worry about it getting paid -- because I reasonably assumed that the autopay feature was still enabled. However, today I discovered that it was not, in fact, automatically paid, and I have concerns that the late payment was reported to a credit reporting agency. 

After spending more than an hour on the phone with USAA representatives, they refused to take any responsibility for the fact that their app disabled the autopay feature without notifying us or to assist in correcting the credit reporting error for late payment.
Consumer complaint received 2021-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AL)

My car was broken into and the thief took all my identification information and is now trying to open accounts in my name. I did not request anything from these companies.