davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (AE)

Situation : I commissioned into the XXXX in XXXX of 2017 and in that same month as I have now realized, a family member unknowingly utilized my personal details to create a credit card and leave a balance of {$2400.00}. In that time frame payments were being made on it but then have been stopped in recent months. I have started monitoring my credit history and report for the last 4-5 months and discovered that this credit card had been closed with a balance due to inactivity. I had remembered that this family member briefly mentioned this account after applying for it but did not know what the intentions for the card would be. I did not know whether the account was officially approved nor was there any information provided to me as to whether or not the he/she actually did apply. In the last 2 months, I have asked the bank to conduct an investigation on the fraudulent activity as it has had a negative impact on my credit history. They conducted an internal investigation which they have said can be rebutted but state the following : Since payments on the account were made and I was also an account holder on this joint account, they have concluded that it was not opened fraudulently? However, when I spoke to a representative of the bank, they stated that I would have to provide information to them prior to the investigation being closed out. BLUF, if possible, can the card be removed from my report if I unknowingly had thecard on my report? Lastly, they are requesting payment of the {$2400.00}, of which I spent {$0.00}. Additionally, I have tried to report it to the local police where my family is staying and where the incident occured but have said that they can not conduct an investigation because they can not validate my identity as I am overseas serving the military.
Consumer complaint received 2023-03-09
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc. (NV)

I recently opened this card. I had been making payments online and experiencing issues logging into their website. 

My XXXX payment was a few days late and the card company called me multiple times without leaving messages throughout the day. I was upset at the incessant calls with no urgency to leave me a message so I shot off the payment online and a message to their customer care on XX/XX/2023. I titled the message Stop Calling me and put in the body of the email that they should try to ensure that their payment systems online were more dependable. I never indicated that this was a cease and desist and I never would have sent the message at all if I had known that the company would take the extreme measures that they have and actually place this irremovable mark on my account without even confirming with me that was what I asked for. 

As a result, the company will not allow me to use the credit and will not remove the hold. They are not accepting responsibility for the rash decision that their employee made in assuming that I would want my entire account turned off by what I titled a quick email. 

I acknowledge that I was upset and should have refrained from sending the communication but the response from Comenity is far more irrational that my own irritated response. In fact, they want me to close the account and reapply which will adversely affect my credit score. This is unacceptable to me.
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (IL)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2020-05-19
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Figure Technologies, Inc (NJ)

When I was applying for my loan my XXXX account and XXXX XXXX  did not correctly communicate with each other. This is an issue because they offer a 0.25 % rate deduction for being on autopay and it was not showing up in my account. They told me to go through the application anyway and that once the account was opened that I could add autopay and receive the discount that way. 

Since I have had the account opened I have called their call center at least 4 times trying to receive my autopay discount and each of the first 3 times I was told it was going to be applied and still have not seen it. Additionally, this last time I called about 3 weeks ago and I asked to speak to a manager and was told it would take 10 days for them to get back to me. I still have yet to hear back from them 15+ business days later. 

I was told that I would be receiving the autopay discount and am not receiving it so I opened this account up with this company lying to me about the rate of the loan I was going to receive. Its not as if I dont have autopay initiates, I have had 2 autopays go through so far. 

I have an additional issue where they told me that my rate was going to be based off the 1 month libor rate as published in the wsj on the XXXX of that month. None of the rates I have received thus far match that rate. 

I dont really know what to do, I have tried contacting them so many times and while the people on the phone seem helpful at the time of me talking to them nothing seems to get done once I hang up.
Consumer complaint received 2023-03-09
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. (NJ)

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. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : # XXXX, has violated my rights. 

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.

Also I will like to state that I did not open or apply for these accounts. I have reached out to these companies to take these accounts off my credit reports. I never used my SSN to apply for these accounts
Consumer complaint received 2020-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (FL)

Experian : I was a victim of identity theft in XX/XX/2020. I was advised by my local police and XXXX XXXX to freeze my credit access, so no new cards could be issued. I was also advised to check my credit score with all three rating agencies, which I did. I was put into your " premium '' subscription program without my knowledge or authorization. Accordingly, I am seeking a full refund of all charges made to my debt card. 

XXXX XXXX XXXX
Consumer complaint received 2020-05-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Avant Credit Corporation (TX)

I've had the AVANT credit card for years. The balance never goes down. My balance has been {$1000.00} and I paid {$1300.00} last year and my balance isn't changing. I've called them and they never understand because they do not speak or understand English. I'm beyond frustrated with this company. Can you please please help me?
Consumer complaint received 2022-04-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (TX)

I have written this company a debt verification letter to verify that the debt is mine they have yet to send me a letter back with debt I am victim of id theft and I have affidavit on file this company still is reporting the debt despite me sending proper documentation
Consumer complaint received 2022-08-01
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

I sent a letter regarding inaccurate info and unknown things being on my credit report to equifax 60 days ago. I have not received as response yet and seems as if my disputes being ignored XXXX. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : DATE OF BIRTH : XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, IL XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, IL XXXX
Consumer complaint received 2019-05-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (CT)

I received an email today, XXXX, requesting a copy of statement from account on file with XXXX, this was requested in order to send a check for remaining balance of XXXX. I have attached the statement here, the email was deleted by mistake. I request a check for funds owed in the amount of XXXX
Consumer complaint received 2020-09-15
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ). It is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2020-05-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (CA)

I submitted a complaint about Comenity Bank charging me a late fee/past due of {$120.00} and submitted to the three credit bureaus that I was late. After Comenity Bank reviewed my account they discovered that I was correct and was supposed to correct the error with the three bureaus. But, the {$120.00} was never reversed and the fee is still on my account, The {$120.00} fee that was not to be on my statement. I am requesting that the fee be reversed/credited back to me, because I was NEVER LATE OR PAST DUE.
Consumer complaint received 2020-05-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (MD)

I first received a text message on XX/XX/2020 from a phone number of XXXX, asking me to Contact Convergent Outsourcing Inc at XXXX regarding my XXXX XXXX Account. The message also stated it was a n attempt to collect a debt. I contacted XXXX, immediately afterwards and was told I do not owe them any money. 

Someone named XXXX XXXX called me a few days later stating she was with Convergent Outsourcing, and t he purpose of her call is an attempt to collect a debt, and asked me to verify the last four of my phone number. I relied to the caller, I will not, and that the call is a scam, and ended the call. 

I called XXXX again, and was told I do not owe them a balance. 

I received a letter in the mail dated XX/XX/2020, stating I owe a balance of of {$63.00}. The letter had the address of the collection agency as XXXX XXXX XXXX XXXX XXXXXXXX XXXX/XXXX XXXX XXXX, XXXX, WA XXXX I contacted XXXX on XX/XX/2020, and eventually spoke with a supervisor. He attempted to contact the collection agency by phone at XXXX and while we were all on a three way call, the same person who contacted me stating their name was XXXX XXXX was on the line, and stated she was not able to access an account for me, with the account number, reference number, or phone number provided, then she stated, she could not access the account because she is having computer issues. We ended the call. On Monday XX/XX/XXXX, I requested a credit freeze on all three credit reporting agencies. Something is wrong here, and it needs to be resolved. I have my account statements that show I do not owe a balance.
Consumer complaint received 2020-05-19
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. (PA)

I am a victim of identity theft. Please see the attached documents relating to this case and completed FTC REPORT. Also, please refrain from reporting and block all information resulting from this case pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that this information must be removed within four business days of receipt.
Consumer complaint received 2020-05-19
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: AMERICAN EXPRESS COMPANY (CA)

On XX/XX/XXXX, my father designated me as a beneficiary on his payable-on-death account. My father passed away on XX/XX/XXXX. 

Despite numerous requests on XX/XX/XXXX to the present, American Express National Bank ( AMEX ) has not complied with the account payable-on-death designation. 

Most recently on XX/XX/XXXX, AMEX - despite receipt of copies of the account POD designation and my father 's death certificate - claimed that they had no evidence of the POD beneficiary designation. On XX/XX/XXXX, I provided American Express ( AMEX )  with documentation of the facsimile transmission records my father saved of his designation dated XX/XX/XXXX. 

To date, AMEX still has not released funds to the designated account beneficiary. The record substantiates that I am entitled to the account funds, with over 591 days since my father 's death.
Consumer complaint received 2023-03-09
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. (FL)

Not long ago, I obtained my credit report and discovered that my identity has been compromised. This regrettable occurrence has had an adverse impact on me, given that I am presently in the middle of purchasing a new residence for my family. I feel deeply distressed by this experience and am seeking your immediate aid to eliminate the fraudulent accounts from my credit report. All the necessary documentation has been provided for you perusal. Thank you. Please see attached
Consumer complaint received 2022-06-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (GA)

I am reaching out to Discover about an account that I have been dealing with that has yet to be resolved. This account is listed as a chargeoff account that Discover has wrongfully accused me of. According to the black law dictionary, a chargeoff is an accounting term where one item is eliminated from the assets lists when it is lost or deemed worthless. In laymen 's terms, a chargeoff means the writing off of a debt. I am also aware that in order for something to be charged off, a 1099c form has to be completed. If the transaction is over {$600.00}, then that means that you are furnishing this debt as an income, not as a charge-off. If you have in fact listed this account as a chargeoff, I am demanding that you show proof where you have removed this asset from your book, as well as the 1099c proving that this debt has in fact been charged off. Providing the requested information that I mentioned will protect me as well as you from tax fraud. If you can not provide me proof of where you have removed this asset from your book as well as the 099c form proving that this debt has been charged off, I am demanding that you delete this account or I will press charges against Discover for racketeering.
Consumer complaint received 2020-05-19
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 have tried to submit my dispute regarding the one fraudulently opened XXXX  account that has severely damage and harmed my credit report. Prior to filing this complaint I have mailed in my dispute via certified Mail. The letters where signed and accounted for however I have received no results on updates. If this account is not removed vastly I will no longer Pursue resolving of this matter on my own. I have contacted legal counsel along with private investigator to obtain the proof that this account is not of my responsibility and is fraud. If the account isnt removed my attorney has informed me that first we shall contact the media and attorney general and move forward for financial compensation.
Consumer complaint received 2019-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AR)

AforcedinsurancepolicywasplacedonmyaccountwithXXXXXXXXintheamountof{$1200.00}.Iattemptedtomakepaymentsof{$220.00}ontheaccountuntilitwaspaidinfull,buttherepresentativeadvisedmethefullamounthadtobepaid.Thiswasthecurrentamountofthemortgagepayment.Afewmonthspriormymotherdied,andIwasdoingthebestIcouldonmyaccounts.TherepresentativeadvisedmethatmymaturitydatewasXX/XX/XXXX.Iliterallyspokewith30representativesonarecordedlinetogetthispaymentissueresolvedoverathreeweekperiod.Finally,threeweeksintothematuritydatearepfromXXXXXXXXadvisedmetowriteasettlementletterintheamountof{$500.00}.Iasked,"Doyouthinktheywillacceptmyofferandshereplied,"Ihaveseemthemdoitinthepastandyes.''Shealsoadvisedmethatitwilltake30daysbeforeIreceivearesponsefromthemandIsaid,"Okay.''Forty-fivedayspastmymaturitydateIreceivedaletterfromXXXXXXXXdatedXX/XX/XXXXacceptingmysettlementofferfor{$500.00}.Thecompanygavemeanother30daystopaytheamountinfull.TheamountwaspaidinfullbeforetheduedatewhichwasXX/XX/XXXX.Theletteralsostatedthatafterwereceiveyousettlementamount,wewillconsideryourloanpaidinfullbalance.Wewillreportyourloantothemajorconsumerreportingagenciesas,"[a]ccountpaidinfullforlessthanthefullbalance.ThestatementdoesreflectonmyXXXXandEquifaxreport.MyEquifaxreportreflect60dayslateandaccountpaidforlessthanfullbalance.MyXXXXreportreflect60-89dayspastdueandaccountpaidinfullforlessthanfullbalance.ThelatepaymentswerenotthetermsontheletterfromXXXXXXXXwhichwasdatedonXX/XX/XXXX.IhavespokenwithaXXXXrepresentativesincethisoccurredtryingtogetthisissueresolved,buttonoavail.Differentrepresentativesadvisedmedifferentinformationaboutmyreportinginformationtothecreditbureau.Oneadvisedmethatthiscanberemoved,buttonoavail.IalsohavewrittenagoodwilllettertothecompanyandfaxedittoXXXX,buttheydeclinedmyrequest.Mylastconversationwastoday,XXXXXXXXandtherepresentativespokewithtwodifferentsupervisorsandheadvisedmethathissupervisorsstated,"Becausemyaccountisclosedtheywillnotinvestigatemyaccountandtheycannotchangethewayithasbeenreportedtothecreditbureaus.IhavebeenmaintainingtwoaccountswithXXXXXXXXformerlyXXXX,XXXX,andXXXXandtheyhaveneverhadtoreportmyaccountslatetothecreditbureaussinceXXXX.Ivaluemycredit,andthishavestoppedmefrompurchasingahomebecauseofthereportingonmycreditreport.IalsohaveacreditscoreofXXXX.Pleasecanyouassistmewiththismatter.Thankyouforyourtime.
Consumer complaint received 2020-05-19
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX, I requested my bank ( XXXX XXXX, XXXX CA ) to transfer {$30000.00} to my bank account in XXXX ( XXXX XXXX ) where I am living and unable to return due to the travel situation. The {$30000.00} was debited from my account on XX/XX/XXXX, and has still not been received. This same transaction request with the same institutions have been made over the last 8 years with frequency and the process takes an average of one to two business days. 
XXXX XXXX has not been able to find my funds and XXXX XXXX claims it is the responsibility of the sending bank. The transfer bank is apparently B of A. I have correspondence between myself and my two banks. I have the wire numbers. I have the statements from both banks that there is nothing they can do? 
I am in a critical financial position at this time and without these funds will risk high fees and possible eviction. 
Thank you for any action that may be taken to locate my funds.
Consumer complaint received 2020-05-19
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. (NY)

I have tried to submit my dispute regarding the one fraudulently opened XXXX account that has severely damage and harmed my credit report. Prior to filing this complaint I have mailed in my dispute via certified Mail. The letters where signed and accounted for however I have received no results on updates. If this account is not removed vastly I will no longer Pursue resolving of this matter on my own. I have contacted legal counsel along with private investigator to obtain the proof that this account is not of my responsibility and is fraud. If the account isnt removed my attorney has informed me that first we shall contact the media and attorney general and move forward for financial compensation.