davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-12
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY (KY)

on XX/XX/2022 I was charged 2 charges from XXXX. 1 in the amount of XXXX and the other of XXXX. I called the bank when i spotted these charges within minutes of it happening. the said that I would have to wait until they fully post to the account and then once they do then I can call back a do the dispute process. I called vans.com and they were able to verify that it was fraud and were able to catch the one package being sent out and on XXXX called and refunded me the money to the account. since then, I have done the dispute process with my account on XX/XX/2022. I filled out the declaration of fraud form as advised and sent in it on XX/XX/2022. i called American Express serve and they advised they received the dispute form and that it will take 10 business days to look into giving a conditional credit to the account. i called XXXX on XX/XX/2022 to check the refund status. 2 additional agents confirmed that they processed the refund and it's been fully refunded as of XX/XX/2022. I call American Express Serve to check my refund as it had been the 5th business day. The fraud department said they still don't see the refund and to call the next day to check to see if it's been refunded. i called XX/XX/2022 and the representative I spoke to told me i have to wait until the dispute processes to receive my refunded money and that they never received the declaration of fraud form when i was advised that 2 agents that they received it and checked it and said it was good. XXXX refunded me my money but i have no access to those funds as American Express Serve has decided to withhold my funds from me until the other fraud charges are reviewed. The one has been resolved as vans.com was able to correct it and i should have had access to those funds they sent back to within the 3-5 days. so, my XXXX that has been sent to my account is being held without reason and I keep getting the run around. unable to speak to a supervisor or have anything handled. 10 calendar days later I'm still out of a total amount of XXXX $ even though XXXX has been fully refunded to my account and no is willing to help me get the money that was already returned to me.
Consumer complaint received 2020-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AMERICAN EXPRESS COMPANY (GA)

I have an American Express Card. The hologram is not on the card and AMEX is making it appear as though I never closed the accounts. Its a scam. The card was stolen and my cell cloned. Its a network. If I buy something. They sell me a fake and they take the money. The same with XXXX. Someone hacked my XXXX. It is showing that they are using XXXX and streaming.Yet I am charged for the service. 
They cloned my car key. The open the door before I get to the car. They joy ride and steal out of my car. 
In addition, my cellular is constantly compromised/cloned by some cowards and any clothes that I purchase, are sent from some cheap front like XXXX and my money stolen. I have reached out to the police who think I am lying. I have proof. I purchased a pair of XXXX XXXX sandals years ago. Someone continuously purchased/stalked the same items as me, they purchased fake items and would replace my items with theirs. They stole my car and chopped it then replaced it with XXXX parts. A colleague indirectly told me what was done. I am being victimized and targeted with no help from the police. The ( XXXX  ) apartment complex allows people in my apartment, car, and intentionally leaves doors open. When I leave, someone enters my apt . They have stolen money, jewelry, and they cut my designer clothing.
Consumer complaint received 2021-02-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. ()

A fraudulent transaction of {$950.00} was made on my Chase Amazon credit card on XX/XX/2020 at a XXXX store. I immediately reported this to Chase. They sent me a replacement card and investigated the claim. However, they notified me that they were considering the transaction to be valid since it was a card present transaction at an in-person store. They did not seem to have considered the possibility of a counterfeit card. I have been outside of the United States during the entire Covid-19 pandemic, and the only card on the account has been in my possession the entire time - and I still have it. I sent them photos of the card and told them that I could provide any proof they felt appropriate that I have been outside of the country. I have sent examples of in-person purchases in another country, and I can provide any other evidence they might request. I have called several times but have been told to wait. On XX/XX/XXXX, they deducted payment from my bank account for the charge.
Consumer complaint received 2020-12-29
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. (CA)

I had my credit ran today XX/XX/20 because I am trying to buy a new car however, I was told that I did not get approved for the auto loan at this time due to some accounts reflecting badly on my credit history. I had no idea what accounts they were referring to since I have always made it a priority to make all of my payments on time but when I looked through my credit report, I saw several accounts from various different companies that I never opened. None of the accounts listed on this report belong to me nor did I allow anyone to open them in my behalf using any of my personal information. I did not benefit anything from these unauthorized accounts such as money, goods, services or any other benefit and I did not make any payments towards any of those debts. I do not have any written or verbal contract with any of the companies listed therefor I have filed a police report.
Consumer complaint received 2020-12-29
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. (GA)

On XX/XX/20 I sent letters to each bureau. I have not received a response yet. I feel like I'm being taken advantage of and being ignored about my disputes. Section 611 ( a ) plainly states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you have caused me. My information was also impacted by the XXXX XXXX data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2022-07-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TRUIST FINANCIAL CORPORATION (VA)

On XX/XX/2022, opened a small business account for my sole proprietorship in response to an advertisement offering {$200.00} bonus for opening account, depositing {$1500.00}, and accessing online banking within 30 days. Upon attempting to register for online banking, received multiple error messages, so decided to call the online banking helping phone number on XX/XX/2022, where I was advised that I would have to visit a branch to establish online banking. I therefore set up an appointment at the XXXX XXXX XXXX for XXXX XXXX ET on XX/XX/2022. Upon arrival, I was advised that only XXXX banker was available and there were XXXX customers waiting and was asked by the teller if I wanted to wait or come back, of which I declined both stating my existing appointment. I find this level of service unacceptable and an obvious hinderance to receive the opening account bonus.
Consumer complaint received 2020-12-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (GA)

There was a transaction on XX/XX/XXXX with XXXX XXXX XXXX in the amount of {$1400.00}. There was a transaction on XX/XX/XXXX with XXXX XXXX XXXX in the amount of {$1400.00}. I submitted three claims with Suntrust regarding the issue XX/XX/XXXX, XX/XX/XXXX case numbers XXXX, XXXX and XXXX. Suntrust closed claims stating information was incorrect and the rep stated how should it be filed. Suntrust stated they haven't received documents and a rep stated to email documents to XXXX which I emailed on XX/XX/XXXX atbXXXX XXXX
Consumer complaint received 2020-12-29
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Filed a complaint with you on XX/XX/XXXX # XXXX. I received an email from Bank of America That XXXX XXXX Officer ; Resolution Specialist phone number XXXX ext XXXX and IMUST CONTACT HER by XX/XX/XXXX. I have called her five times and left voice messages for her to call me back. As of today she has not called me back. This is typical for Bank of America no body ever calls you back.I am again asking you for your help and getting her to call me back to move the process along which I have come to the realization that they really don't want to do as they want to keep my interest rate high as every month that passes they make more money.Thank you for all your help. XXXX XXXX XXXX XXXX # is XXXX
Consumer complaint received 2022-08-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (MO)

Shellpoint servicers # ( XXXX ) XXXX I'm am currently a XXXX veteran with XXXX XXXX. After Covid-19 forbearance my loan was placed in a modification with a company called XXXX # XXXX. I was supposed to pay 3 trial payments of {$1100.00} in which I actually made at least 5 payments on 2021 They we're supposed to send my final modification papers but they did not send them instead they sold my loan while I was in the middle of my modification to acompany called Shellpoint. Shellpoint sent a statement requesting that I pay them an inflated amount of money. I wrote them a debt dispute letter to which they sent me the same letter just saying they were my servicer and I owed " x '' amount of money. I then went back and sent them papers showing my old loan amount and that I had actually been in Covid forbearance and then modification. They sent me papers asking me to pay them {$1200.00} or so dollars which was more than my agreed amount with XXXX XXXX and saying that I had to start trial payments with them all over again. Which was ridiculous seeing that I had already completed these. They sent me papers as well saying that my estanged spouse who is not on my mortgage loan ( is on title ) had to sign the modification with me in front of a notary. 
I explained that he was XXXX  to myself and to my children and somewhere out XXXX and I do not have an address for him nor feel for my safety that I need to bein my room with him. Their agent told me, " well you need to find him and be in the same room with him in front of a notary and sign and send us the papers '' .I told them that I could not do that and I though it was shameful that they would want to put my life in harns way. I attempted several times to have someone call me and left messages but I never got a call back. Finally I called them again and was told not to submit any workout paperwork to them because it would be denied and that they would no longer accept money from me unless it was the total {$40.00} something XXXX from being in Covid-19 forbearance. I received a letter saying they were going to foreclose on my property to which I sent a debt dispute letter to the law company called. They send me some papers from something I supposedly signed with XXXX bank years ago. I don't know what that had to do with Shellpoint or XXXX.They foreclosed recently and denied a seller that wanted to buy my home. Now they want to also give mean eviction on my credit plus the foreclosure. It's a nightmare. I have XXXX kids with 2 being XXXX. Please look into this
Consumer complaint received 2023-02-27
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (PA)

To whom it may concern, I have been a victim of discrimination. I do not like to use the race card when dealing with personal or professional matters, but I had to discover for myself if this was the case. I wanted to prove that this was due to race so my co-worker and I conduct our own investigation. I have four credit cards from Synchrony Bank. Three are department store cards and one is a care credit card. Now before this investigation, I was late on my credit card bill no later than 7 days. I called the credit card company to inform them that I was sick with covid and the bill totally slipped my mind. I made a payment and I notice they had decreased my credit right away. I spoke with a credit representative at Synchrony bank and they said their policy is to run consumers ' credit whenever they are late on a payment. This is incorrect. I never received any statements in the mail as to why my credit was decreased or why they were running my credit each time I was late. I never experience this type of behavior with any other credit card company. I know that Synchrony Bank can not report late payments unless they are 30 days or later, but they are using other methods to destroy people of XXXX American race credit. I was never late more than a week. The company then said I was decreased because I had a collection on my report that was there when I applied for the card and was approved. As I mentioned I have four credit cards with Synchrony Bank and one card had a XXXX credit limit I was late they took decreased it to XXXX. My other credit card was XXXX decreased to XXXX. The last card was XXXX dollars. I tried to get a credit increase over the phone but was denied. I went into the store with the same credit card to buy a stove and XXXX  and was approved for increased credit for my purchase. My co-worker who is XXXX decided to conduct this investigation, so we proceeded. She was late on her credit card bill for 5 days and received no decrease in credit usage. I did the same and received a decrease. The world is a cruel place. I believe in equal opportunity. I will be contacting the State Attorney General and the Department of Banking.
Consumer complaint received 2023-05-23
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX ; XXXX, XXXX, XXXX  ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX Balance Owed : {$3600.00} ; XXXX  XXXX Balance Owed : {$3200.00} ; XXXX XXXX XXXX Owed : {$1900.00} ; XXXX XXXX Balance Owed : {$2100.00} ; XXXX XXXX Balance Owed : {$5600.00} ; XXXX XXXX Balance Owed : {$3200.00} ; XXXX XXXX Balance Owed : {$1900.00} ; XXXX XXXX Balance Owed : {$3200.00} ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022. 
According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2020-12-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

On XX/XX/2020 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the XXXX  data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2020-12-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (PA)

AmeriHome, the mortgage servicer for our home loan, has proven multiple times that they are incapable of making tax ( School , County and Property ) payments on time out of the escrow account subjecting us to out-of-pocket late fees and notices of delinquency. 
It is impossible to get a hold of a customer representative over the phone which leads us to feel helpless towards the situation and afraid of the legal repercussions due to their lack of professionalism. This is a stressful situation that has taken a toll in our lives. 
AmeriHome has made it abundantly clear that they do not have the consumers interest in mind which begs the question : If the sole purpose of a mortgage servicer is not met, should they be licensed to operate?
Consumer complaint received 2023-02-20
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: Experian Information Solutions Inc. (CA)

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXXXXXX 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 XXXXXX/XX/XXXX
Consumer complaint received 2022-09-21
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. (MO)

This is my XXXX 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 an alleged fraud or extortion. 



XXXX XXXX XXXX XXXX XXXX Balance : {$280.00} ; XXXX XXXX Balance : {$3200.00} ; XXXX XXXX Balance : {$3100.00} ; XXXX XXXXXXXX Balance : {$240.00} ; XXXX XXXXXXXX Balance : {$75.00} ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX # A XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX
Consumer complaint received 2022-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2023-12-20
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

XXXX XXXX representing himself as founder XXXX XXXX XXXX, New York XXXX forced me to sign 12 month agreement to provide XXXX Chats and Social Media Management for my company XXXX XXXX XXXX number XXXX XXXX 2023. He asked me to docusign this agreement. I could not see the whole agreement since in docusign i just had the front page of the agreement. I was stupid enough to sign the document and give him my BOA XXXX that was charged XXXX dol for 12 months service. I got text message from XXXX cc if this charge was approved that. I started thinking about the one agreement page since I had no any other info on this page no phone no adress no any contact for XXXX  I contacted XXXX fraud department immediately that XXXXXXXX should not get paid that the company doesn't seem right. The credit card was blocked and XXXX sent me a new card but the XXXX dol was still paid to XXXX  by XXXX in spite of me not approving the payment. I was told that start dispute that was rejected. I sent Certified letter to XXXX XXXX as he presented himself to me as CEO of XXXX that was a lie .I was able to contact him via a phone and he started laughing that it is my loss .XXXX rejected dispute claim stating that XXXX  provided service which they did not at all.