davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (WA)

This is regarding making payments to XXXX Visa at Comenity Capital Bank. 

I have sent two checks to pay off this account in full in the last month, neither have been accepted. These checks are in the amount over $ XXXX. I have spoken to several high level managers that claim to take care of the situation - nothing has been done. I even sent a second payment overnight XXXX to the XXXX XXXX overnight address with signature required. I verified that this check was signed for on XX/XX/20 at XXXX by XXXX XXXX XXXX They claim to not have received the check. I was told that the check must be the exact amount of the account balance and any other amount will be rejected. I made a payment that day to make the account balance the exact amount of the check. The very next day they assessed interest charges on my account which now makes the check amount too large. This bank has some serious problems that need to be addressed. The customer service is the worst I have ever seen.
Consumer complaint received 2017-10-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Transunion will not give me my free annual credit score and report on-line. I stress " ON-LINE ''. Transunion tries to FORCE me to send my personal info via USPS to them. They are trying to force me to pay USPS postage and use my envelope. I will not do this because I do not want my info stolen and used for identity theft. Transunion has boiler plate Form 950 they mail to me via USPS informing me to fill it out and return it ... I say NO, I WANT MY REPORT ON-LINE, not in the USPS! 

I get my free annual report from XXXX & XXXX  on-line in minutes. Transunion is a scammer company. They have me fill out all the info on-line, submit. A pop up replies, " we 're sorry, no information exist about you ''. Yeah right, that 's why XXXX XXXX informed me that Transunion gave me a lower score then XXXX & XXXX, it is XXXX V/S XXXX. Transunion has been playing this game for years with me. It 's time Transunion is forced to follow the law and give me my FREE annual credit report on-line! 

Please, do not just tell Transunion to contact me. All they do is mail me their Form 950 Their game playing must stop! Again, please do not just contact them or I will have to contact the CFPB again and again and again. I will not stop complaining until Transunion gives me my free annual report and score electronically on-line, I will not stop complaining until they do allow me to get it on-line!
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

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

Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account XXXX Account XXXX : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (NY)

Last year I had a joint account in Wells Fargo with XXXX XXXX. The balance was always paid some months overpaid. One of the months the payment was applied not to our joint account but one of her other accounts by an employees mistake. Upon notice that it was due still I paid the account in full, thus having no late payments of having to deal with that mistake again. This was paid for in full in XXXX. However XXXX has it marked as having a late payment for XXXX even though this payment was processed in XXXX. Being as this is the only late payment on my entire credit report and it had nothing to do with my inability to pay it but instead a employees mistake I would like this removed from my credit report. When I spoke to an employee last they said it wouldn't matter or affect anything that it was resolved.
Consumer complaint received 2022-01-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (VA)

On XX/XX/2021 mailed money order to pay mortgage payment. Payment got lost in mail after investigating money order company refunded my money. I have sent all paperwork to ShellPoint explaining what happen and ask if they can remove XXXX late payment from credit report due to mail being lost.
Consumer complaint received 2020-07-02
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. (DC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX sought to collect on loans and have created false information in my credit files as to a charge off in XXXX. 

The Superior Court of XXXX  dismissed all of thier claims in XX/XX/XXXX. 

I have disputed entries on my credit report where the court dismissed thier actions.
Consumer complaint received 2024-01-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

Hello My name is XXXX XXXX I reviewed my consumer reports and noticed that i had one late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. 

I have never been late on payments for the accounts that i haveincluded screenshot inside this complaint in on dates of ( XX/XX/2023 ). Please investigate and provide proof with statements showing that these payments were late. 

If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late.
Consumer complaint received 2024-01-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (IL)

Synchrony Bank used my credit report to intentionally lower Credit they issued for Sam 's Club Store 6 months ago. I recently disputed another account that I had with Synchrony Bank..and right after that .They sent a letter stating my {$1500.00} credit with Sam 's was dropped to {$150.00}!. I felt it was a slap in the face and done without consent to intentionally hurt my Credit score!. My credit was lower when they approved the Sam 's card @ {$1500.00} and now it's higher nbut they drop it to {$150.00}?. I feel my consumer rights were violated and Discrimination was used. I pay Sam 's automatically... On XX/XX/24 I paid them.Now Synchrony sends this letter they checked my credit history and dropped Sam 's store credit to {$150.00} ... knowing I only owe XXXX and so by Synchrony bank lowering my credit limit .. my {$130.00} debt looks like I'm over my credit limit,!!!. I only owed {$130.00} when my credit limit was @ {$1500.00} ... .This has caused my hard earned Credit Score to drop. I feel it was intentional and undermining.. by Synchrony bank because Of. Previous dispute.
Consumer complaint received 2023-10-07
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (CO)

I bought a XXXXXXXX XXXX XXXX and it does not work. I called in and they said they would " reset '' the card and that the card would work. I waited an hour as instructed and the cards did not work. I have tried the card a few times more and it does not work. I called in again and they told me I would have to fax information to the company to get a replacement card. I do not have access to a fax machine.
Consumer complaint received 2023-09-01
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Upgrade, Inc. (NC)

I paid off two accounts I held with upgrade VIA a overnight mailed in check in XX/XX/XXXX ( as required by their company ) and a year later XX/XX/XXXX those accounts were not paid and closed because the checks were applied to the wrong accounts. This in turn left my credit being reported incorrectly for a year, which destroyed my credit and now is effecting the closing of a house I am purchasing. It gets worse In the middle of the process of purchasing a new home the mortgage lender I am using informed me that I owed upgrade money ( Even though I had already paid in full and closed these accounts a year previous ). So I called upgrade and they said that I owed apx {$7800.00} and that I could settle for {$4400.00} and pay that account in full and be done with it. So I did with out thinking and paid that amount. I then later contacted my bank to see if I had paid those accounts already and I was able to obtain a copy of both checks there were made to and deposited and signed by upgrade a year prior. 

So here is where I stand : I paid off XXXX accounts by mail in check on XX/XX/XXXX Both Checks cashed and deposited by upgrade on XX/XX/XXXX Checks were applied to the wrong accounts on Upgrades side causing a years worth of credit discrepancys. 
XX/XX/XXXX I settled and paid an Additional {$4400.00} to an already closed account via online payment XX/XX/XXXX I spoke with collections department about these issues told me to call back in 3 days. 
XX/XX/XXXX I spoke with collections department about these issues told me to call back in 3 days. 
XX/XX/XXXX I spoke with ( Collections team Lead ) and supposedly a ticket was submitted about my accounts told to call back in 3 days XXXX/XXXX/XXXX I was told to call back in 3 days again.
Consumer complaint received 2020-07-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (FL)

My account XXXX was terminated by a hacker. i m a XXXX  and XXXX  for more than 15 years with paypal and XXXX my the account was hack the money gone the account closed .Had to open another account same email and owner.Want the money for this transactions : there are 3 transactions I dont play on line video games Invoice ID : XXXX XX/XX/2020 XXXX XXXX Transaction ID : XXXX XX/XX/2020 XXXX PDT Transaction ID : XXXX Invoice ID : XXXX XX/XX/2020 XXXX PDT Transaction ID : XXXX Invoice ID : XXXX Transaction ID : XXXX for XXXX EUR to XXXX XXXX XXXX is a fraud. 
Transaction ID : XXXX XXXX EUR to XXXX XXXX XXXX is a fraud Transaction ID : XXXX XXXX EUR to XXXX XXXX XXXX is fraud I m a senior with limited income please help. Canot make phone calls to paypal lines are down for the pandemic.
Consumer complaint received 2020-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (TX)

I asked the dealerships not to run my credit multiple times. I have no knowledge of this company. I have tried to resolve the issue with the company but was unsuccessful. The dates reflecting on my credit report is XX/XX/2019 and XX/XX/2019.
Consumer complaint received 2023-09-13
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (CA)

I bought a XXXX giftcard. When I got home and opened it, it was scammed. Someone put a fake barcode which matches the number on the packaging. I always check the number and touch the barcode too but this time the copy had a barcode feeling on it. Whoever is doing this, is very good at fraud. 


Under the barcode that was activated and was only a copy, was another card which says {$100.00} on it. Someone took this card and inserted the copy and replaced it. The information you requested is attached. Value purchased was {$500.00}.
Consumer complaint received 2020-07-02
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. (AR)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 
XXXX XXXX {$2500.00} XXXX XXXX {$480.00} XXXX  XXXX {$620.00} XXXX   XXXX {$5800.00} XXXX {$150.00} XXXX   XXXX {$110000.00} XXXX  XXXX {$110000.00}
Consumer complaint received 2023-12-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: FISERV INC. (OH)

Today I got a third party collection letter for an alleged XXXX marketplace transaction for {$7.00} and a fee of {$25.00} that I do not owe. 
I have spent XXXX of dollars at XXXX over the years and recently had to close my account due to horrible customer service but I never had an outstanding bill of XXXX and always paid for all my orders. Why would I default on {$7.00} that is ridiculous and why would I be charged {$25.00} fee for something not mine. 

I never received any notification or bill from XXXX concerning this matter period and in order for something to go collections it has to be not paid first. 

I am disputing this debt entirely and want validation of the debt with : Full original purchase agreement or debt assignment. 
Proof of purchase including wet signature. 
Contract for purchase Proof that this debt wasnt already paid as I have no outstanding debts and my account is closed and they could not close it without it being in good standing, period!
Consumer complaint received 2024-02-05
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: EQUIFAX, INC. (AL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federallv protected consumer rights to privacy and confidentiality under 15 USC 1681. I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXXXXXX XXXX  XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information An other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Consumer complaint received 2022-12-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC. (CA)

i have bought XXXX XXXX XXXX XXXX  around XXXX the last time i used robinhood app was on XXXX of XXXX and its saying that i borrowed money and i didnt have funds or something like that in my account but that account has been closed but i still had my stocks my coins i want my coins back because i didnt purchase anything or fold anything since XXXX of XXXX
Consumer complaint received 2020-07-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Financial Assistance Inc (PA)

I noticed debt on my credit report that wasnt mine. THIS DEBT IS A RESULT OF FRAUD. The creditor is XXXX XXXX XXXX and the amount is over $ XXXX. I filed a identity theft report with the FTC and diputed this account as fraud. I notified XXXX  XXXX XXXX and I am now getting collection notices from Financial Assistance INC. on behave of XXXX   XXXX XXXX.
Consumer complaint received 2023-06-12
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 looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
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
Consumer complaint received 2020-07-02
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. (NY)

I PULLED MY CREDIT TO MYSELF FOR THE FIRST TIME AND I HAVE DEROGATORY ITEMS THAT ARE NOT MINE. THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE DELETED. PLEASE REMOVE THESE UNKNOWN ACCOUNTS FROM MY NAME.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN HONDA FINANCE CORP (FL)

My Daughter has a loan with Honda Finance and we pay the monthly payment. Honda Finance has put it on my credit report that we were late in XXXX and I am only a co-signer and should come into to play if there was a default. 

Also, we have been affected by XXXX XXXX and my husband passed away XX/XX/2023 which is the same month of the late payment reporting. 

I asked Honda to please have compassion for the situation and they would not remove the late payment
Consumer complaint received 2022-01-06
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. (MO)

Account Status is reporting inconsistently across bureaus.

Date opened is inconsistent across bureaus.

the last report date is inconsistent across bureau Term is inconsistent across bureaus. 
XX/XX/XXXX status of current and 60 days late XX/XX/XXXX is inconsistent. 
This account was not opened with XXXX XXXX in XXXX of XXXX
Consumer complaint received 2020-07-02
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. (FL)

I have sent numerous letters to XXXX regarding the inaccuracy being reported under my XXXX XXXX account. What doesn't make sense is that IF the data furnisher is reporting this accurately for TransUnion and XXXX, why isn't is being reported accurately for XXXX. Also, after providing proof, XXXX still hasn't done anything about it as per their obligation. The payment status is WRONG. The status should be Current as it was not late when the account was closed. 

Also, TransUnion has not addressed my complaint regarding my XXXX XXXX XXXX XXXX XXXX XXXX. I challenged the account and XXXX and XXXX   removed it, but TransUnion did not. How is it that the same account was challenged and resulted in different outcomes IF the account was investigated by the same data furnisher?