davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (MT)

I have had a Costco Club Visa card for years. I spent most of XXXX in the hospital for many serious medical issues. All of a suddenly Costco Citi Visa card was declined when I tried to use it for a regular online service at a regular website. Their weak answer was : XXXX.You were over your credit limit all of a sudden. 

I am not a math major but if my little puny credit limit is $ XXXX why is my bill only $ XXXX. Their math is fuzzy. I even paid my bill that wasn't due for over {$1000.00} until next month and they don't give me credit for this. They won't until the future date it is due... .and still my bill was not over my credit limit..notice?. 

I make {$84000.00} annually with combined XXXX and XXXX XXXX  and I just turned XXXXUntil recently I have had nothing but problems trying to make my payments over the phone. The overall credit card company industry needs reform to streamline it to simple rather than complex as it is now., Long winded annoying and they seem to want you to hang up rather than pay your bill or report your card lost or stolen lately. Why I have no idea. You sometimes have to wait minutes before getting to the option to pay your bill rather than simple terms... last statement balance, current balance, or a different amount. Simple but they refuse to do this. You have to write down the amounts they offer in advance of making a payment. Terrible!!! 

This Citi card and others are not user friendly anymore. I am not XXXX my hard earned money on expensive postage stamps. I want these companies to be called on to refine their phone payment options and allow easy link to resetting passwords when you forget them not force you to XXXX contact a XXXX female customer service rep trying to speak English I can't understand and hang up on me when I ask for someone who speaks English I can understand. 

Not all of this pertains to Citi Visa Costco membership club card. My issue with them is my credit limit is insultingly puny compared to other credit cards I have and they declined my use of it when I was not over my credit limit of over $ 2000+ when my bill for next month was just over {$1000.00} ... can't be so. This morning alone I spent over XXXX hour and XXXX minutes getting nowhere and transferred to everyone there. 

Thanks, XXXX
Consumer complaint received 2021-09-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (TX)

Borrower submitted an application for a loan modification. Lender requested pay stubs showing borrowers year to date income on pay stubs. We notified lender that borrowers employer does not provide year to date income on pay stubs but provided a letter from employer on the employers letterhead stating borrowers income year to date. Lender will not move forward lender is still insists borrower provide a pay stub with year to date income on pay stub.
Consumer complaint received 2021-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

I recently found out that I am a VICTIM of Identity theft and that there are several fraudulent items on my credit report that doesn't belong to me. I do not have a record of doing business with these companies. I have documented all correspondence with your company.
Consumer complaint received 2022-09-27
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)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. But despite all the complaints I sent to CFPB and Experian, nothing has changed! So once again, I would like to request the suppression of this account from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent account should be DELETED from appearing on my credit report pursuant to SECTION 605B OF THE FAIR CREDIT REPORTING ACT. I have sent my documents, and the FTC report I filed on their website to make things clear that I am an IDENTITY THEFT VICTIM. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this account that does not belong to me which is reported erroneously. I am in desperate need of this account to be REMOVED and BLOCKED. 

XXXX XXXX I XXXX
Consumer complaint received 2021-04-16
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BAM Management US Holdings Inc. (FL)

XXXX XX/XX/XXXX BINANCE.US Is Not Responding To Multiple Support Tickets That I Have Submitted Over The Course Of Two Months. Resulting In An Inability To Withdraw Funds Or Earn Revenue. 
I Deposited XXXX XXXX Dollars In XXXX XXXX Dollar Increments On The Dates Below In The Attached Bank Statement. Those XXXX XXXX ; XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Listed As, " XXXX XXXX ''. 
On Or About XX/XX/XXXX, I Disabled The Account After Reading The That I Could Freeze The Account If I Had Any Concerns. I Addressed The Concerns I Had And Went Ahead With The Verification Of Reactivation Two Days Later XX/XX/XXXX. Since Then I've Had No Contact With Support. I've Sent In Numerous Tickets, I've Contacted Numerous BinanceUS Accounts, " XXXX '' " XXXX '' " XXXX '' And Still Nothing. 
As Of Now I'm Still Locked Out With No Word From BINANCEUS. 

XXXX
Consumer complaint received 2022-08-20
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (OR)

I want to lodge a complaint against Chase for the horrible support I've received after finding out my account was restricted due to a technical issue with a check made out to me. After 2 weeks and 30+ calls to resolve, they made it worse. One check is now on hold and now {$16000.00} of mine is gone and a savings account is closed. I need to speak with an executive manager about how I've been treated and discuss resolutions and reparations for the time spent and plans that have had to cancel due to having to deal with this. I've lodged XXXX, CFPB complaints, tried escalating at my local branch, tried escalating online, through the XXXX help account, through the XXXX number, to no avail. No one cares about helping to resolve this. We have XXXX credit scores and I'm being treated like some sort of criminal. 

All attempts at resolution from myself have been without any result from Chase. They are not doing anything to assist.
Consumer complaint received 2021-04-16
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. (CO)

Transunion should not be reporting me as an authorized user on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have called the bank and let them know I never gave permission to be added as an authorized user on this account. This false reporting is seriously harming my credit score and this line item needs to be removed. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureau as well to have this account removed however, I have not been successful.
Consumer complaint received 2021-08-23
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: EQUIFAX, INC. (GA)

on XX/XX/2021, I called Equifax customer service would not help and take care of the negative inquiry reporting to my report. I am not aware or did not authorize this transaction. 
Inquiry : XX/XX/2021 XXXX XXXX XXXX
Consumer complaint received 2020-11-05
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (FL)

Ive sold a gold necklace through XXXX. Bought by XXXXXXXXXXXX  ( XXXX XXXX Order number : XXXX, Order placed on Friday, XX/XX/2020. Payment method PayPal Payment date Friday, XX/XX/2020 Transaction amount {$1300.00} USD Transaction ID XXXX I've shipped the merchandise, received confirmation of delivery in XXXXXX/XX/XXXX on XX/XX/XXXX. On, XX/XX/XXXX. Ive received an email of the buyer, stating that //XX/XX/XXXX- Hi XXXX I did finally receive the package today. My adress to XX/XX/XXXXXXXX  is just my US mail adress, and XXXX XXXX  is a shipping company who specialize in shipping between the US and the XX/XX/XXXXcountries, I live in XXXX - XXXX. That is why it took longer time before receiving it. I haven't opened the package, because I can feel that there is nothing inside. When we use a touch to light throgh it, can we see that there is only a paper there, no necklace '' // ( transcript of email exchange ). I questioned about it, for I had received the confirmation of delivery and questioned for I had sold a piece to XX/XX/XXXX not XXXX. She immediately placed a hold on the payment made through PayPal, even without disputing anything in XXXX. On XX/XX/XXXX I've escalated to the PayPal to resolve the issue. And made a complaint with FTC, made an IC3 Report as well, requested confirmation of delivery from USPS, and all the mentioned documents where sent to PayPal. The decision was made in XX/XX/XXXX, in favor of the buyer, and I've appealed immediately, having the decision reverted in my favor in the same day, and was told the credit would appear on my account in few days. On XX/XX/XXXX I got in touch one more time, for the credit still was not showing on my account, and was told that I had lost. That the decision was for the buyer. I once again questioned the decision, and explained, that I had not entered an international contract, and if I had the desire to sell to international buyers I would have opted to do so in XXXX, and that the buyer used of bad faith, when purchasing the necklace, knowing that she would have the merchandise exported in my name to XXXX, without my consent, that my part of the agreement I had entered into, was accomplished, I have proof from the USPS of the delivery of the goods, and that any responsibility she has assumed in forwarding the merchandise overseas, was not of my responsibility. But no one listens, or reads the documentation sent. I've requested even to speak with the Ombudsman, which they never gave me the contact. I still tried contact with PayPal over the phone - more than XXXX hours waiting - send messages on XX/XX/XXXX, XX/XX/XXXX. They promised to get back but it is not working. 

PayPal Case Not as described - claim Case ID : XXXX The buyer reported that the item they received wasn't as described. Weve placed a hold on the transaction amount until this case is closed. 
You escalated to PayPal Please I need your help.
Consumer complaint received 2021-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

These bureaus are falsely reporting alleged debt which is a FCRA section 807 violation 15 USC 1692e. The alleged debt can not be verified and I have yet to receive a response after 30 days which is another violation under the FCRA
Consumer complaint received 2022-11-07
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. (SC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-09-07
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: SYNCHRONY FINANCIAL (FL)

I filed for bankruptcy but I still have the account appearing on my credit report because Walmart switched the credit card company who serviced their accounts from Syncbank to XXXX. It is the same debt and the Syncbank closed account should show bankruptcy not show the payment history since its the same Walmart debt that shows bankruptcy with XXXX.
Consumer complaint received 2023-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TRANSUNION is reporting an inaccurate late payment for the XXXX XXXX XXXXXXXX XXXX account ending in XXXX. This is a 30 day late payment in the amount of {$47.00} posted on XX/XX/2022. This is incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A transaction constitutes these late payments resulting in TRANSUNION violating my federally protected consumer rights. I did NOT give TRANSUNION written instruction/permission to furnish this inaccurate late payment on my consumer report or file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that TRANSUNION has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.
Consumer complaint received 2020-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (AR)

I have filed a dispute with all 3 credit bureaus asking Nissan Motor Acceptance to update my credit report to show that I paid on time between the months of XXXX and XX/XX/2020. They have all come back with a status of my account and credit report being updated. However, my credit report still shows that no data was received during those months, it appears that I was in deferment that long and I was not. I never agreed to a deferment, only a 2 month payment extension for the months of XXXX and XXXX, right around the time COVID-19 hit. I have reached out to the company as well and was unable to speak directly with the credit department. I feel like this was done intentionally to increase the number of customers that appeared to be on deferment during the pandemic for federal financial gain or assistance programs related to the businesses impacted by COVID-19.
Consumer complaint received 2021-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Synovus Bank (MD)

My XXXX XXXX  Bill showed a balance of {$310.00}, it was paid XX/XX/2021, it is still showing a balance of {$310.00}, this is XX/XX/XXXX credit usage is still at XXXX percent, because my credit limit is {$900.00},, when I spent the {$310.00} it was reported in less then 7 days, but after I paid it almost 2 months,, and have not showed as paid,, this is an unfair treatment,,, it should have reported the same amount of time it had reported when I spent {$310.00} I should have had a balance decrease,, this is unfair practice I believe its not fair,, my scores XXXX XXXX, hindering me from reaching XXXX,,,
Consumer complaint received 2021-02-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (TX)

In XXXX, after checking my credit report, I noticed I had a collection agency charge for {$3100.00}, with the original debt collector being XXXX. 


After calling the debt collector, I was told the the account was open in XXXX. I explained that I was still in high school, never had heard of the address that they had on file, and had never opened an account with XXXX. I asked for a copy of the contract with my signature and some identification that showed I had opened the account. It was explained that those records could not be provided due to the length of the account. I filed a dispute with that company and all three credit bureaus. 

The account was removed. 

On XX/XX/XXXX, the information again appeared on my credit report. I immediately filed a dispute with the credit bureaus. I called Convergent Outsourcing explaining the situation and what steps to take to get the item removed. The agent told me that I would have to provide them with a police report. At this point, I have never had any contact with this company. The address that she had on file was one that I had never heard of. I provided the agent with my address to send all correspondence. At this point, this account is not and was never one that I owned and I am requesting that it be removed from my credit report.
Consumer complaint received 2020-11-05
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: Experian Information Solutions Inc. (GA)

I have contacted the credit bureaus regarding reporting bankruptcies on my report. I have contacted XX/XX/XXXX and XX/XX/XXXX and was advised that they do not verify XX/XX/XXXX information. I have disputed this with all three reporting agencies and they have refused to remove these reporting 's on my report. They are reporting fraudulently as there is no verification for any XXXX information.
Consumer complaint received 2022-12-14
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2023-03-24
Product: Credit card or prepaid 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: BARCLAYS BANK DELAWARE (CO)

On XXXX XXXX card was charged my card a down payment of {$5800.00} for a resort. However, the contract was found not to be legally binding because they forgot one document that needed signing. After several months of emailing, the resort has agreed that the contract isn't legally binding and will remove the XXXX from my credit. Both Barclay and the resort have dropped my credit score almost 300 points.I contacted Barclay on XX/XX/XXXX. As of today XX/XX/XXXX, I have not received any response. It's passed two billing cycles. The resort claimed they would resolve the issue. It's been three months waiting.
Consumer complaint received 2021-04-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Someone fraudulently hacked my my checking account by stealing my debit card number and using XXXX pay to steal {$500.00} on XX/XX/2021. I immediately contacted my bank and let them know it was fraud even though it was still processing. They cancelled my card and sent me a new one. 10 days later i receive a letter from Bank of America stating my claim is closed and they are not refunding my money. I have NEVER used XXXX  pay before in my life. ALSO bank of america denied another transaction FOR THE SAME THING tagging it as fraud and then let this one go through. I want my money back.
Consumer complaint received 2020-10-10
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Signature Bank (NY) (NY)

Signature Bank holds my Mortgage Loan. Today I Refinanced it and their Loan is being paid off by the new Lender. However there seem to be a lot of discrepancies between what is shown on their web site and the Pay Off Letter they sent to the new Lender. For your ready reference both the documents are attached to this.

On their web site they show that the Unpaid Principal Balance is {$160000.00} and in their Escrow they show that they have a Credit Balance of {$380.00} in my favor. However in the attached Pay off they are showing that I owe them a total of {$160000.00}.

Including the Escrow Balance of {$380.00} in my favor, there is a difference of {$2700.00}, they owe to me minus the 10 Days interest at a per diem rate of {$21.00}, which amounts to {$210.00}.

So they owe me a net figure of {$2500.00} to me.