davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-06
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: CITIBANK, N.A. (KY)

I tried to make a purchase at Best Buy on XXXX XXXX. I was told my credit card that my husband had with me as an authorized user had been closed. I called my husband and my husband told this employee that his information was incorrect because he just made a purchase in the store a few days prior. Employee at Best Buy assured my husband he would help look into this issue. I was asked to enter a 6 digit number into this computer base. I did so because the employee assured me he was double checking with the credit card company. He acted nervous and finally handed me a 800 number with a pamphlet and told me to call to get this matter fixed. I found out by calling that this guy tried to set up another credit card which I did Not want or need. I contacted the store manager and got no help but sorry it's not under his control.I immediately contacted Citibank by phone and was told it was an XXXX  issue. I contacted XXXX and made several complaints. I still the hard inquiry is on my credit. 
I strongly feel this was fraud. I also immediately put a freeze on my accounts.the latest call to XXXX was on XXXX XXXX and made another dispute. 
The confirmation number from this latest call is XXXX. The last letter I received from XXXX  was XX/XX/2020 stating that my initial fraud alert has been placed with the XX/XX/XXXXfor 1 year. I have Not gotten anything in the mail from XX/XX/XXXXregarding this issue. They have failed to rectify the problem.
Consumer complaint received 2020-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (WA)

XXXX  ; Experian and XXXX  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 already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2020-09-10
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: Experian Information Solutions Inc. (TX)

EXPERIAN HAS BEEN CHARGING MY XXXX XXXX CREDIT CARD {$30.00} A MONTH SINCE XXXX AND I DIDN'T SIGN ANY PAPERWORK OR FILL OUT ANY FORMS ONLINE ALOWING THEM TO BILL ME {$30.00} A MONTH FOR THEIR SERVICES. THIS IS FRAUD. I WOULD LIKE TO KNOW JUST HOW SOMEONE AT EXPERIAN WAS ABLE TO GET MY CREDIT CARD INFORMATION. I HAVE NOT PURCHASED THEIR SERVICES AT ANY POINT IN TIME. I WOULD LIKE TO SEE A FORM WITH MY " WET SIGNATURE '' ON IT BECAUSE I HAVEN'T SIGNED ANYTHING. I HAVE NOTIFIED THE LOCAL POLICE DEPARTMENT IN MY AREA AND I WOULD LIKE TO SEE THE DOCUMENTATION OR EVIDENCE THAT EXPERIAN HAS ON FILE SHOWING THAT I PURCHASED THEIR SERVICES SO THAT I MAY FURNISH THE LOCAL POLICE WITH EVIDENCE.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

My consumer report shows identity theft-linked accounts I never approved in writing or by wet signature. I recently told you about this and now demand these accounts be blocked and removed from my report now. These false entries are causing me major stress and misrepresent my credit. I'll take legal action if not fixed quickly. These fake items have stopped me from reaching key financial goals like buying a home and supporting my family.
Consumer complaint received 2020-09-10
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. (CO)

Transunion should not be reporting that I am ( 60 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2021-03-05
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (TX)

We contacted Wells Fargo home mortgage for a refi on our existing mortgage ... we currently have well Fargo for our mortgage so we thought this would be no problem since we have excellent credit and never missed a payments..on the very first day on this process we explained that my husband goes to work overseas and that we would file a POA so that I ( his wife ) can close for us in his name..we did this same exact process for the same home we are trying to refinance ... we got pre approved and the approved ... then I hear nothing for weeks..I tried to contact our loan officer and finally got an email she is no longer with the company..I filed a complaint and never got a call back..trying to figure our what is going on..then they contact me after all of this, to tell me we are denied the mortgage refi loan that we were approved for because they are saying that my husbands home, our ONLY home in TX that we have isn't considered his primary residence because he works XXXXThis home is his primary residence, and when he goes to work overseas he stays in a company owned compound, there are no other properties in his name at ALL ... we were lied to and then our time now for the good refi rates we locked in have been wasted ... we should have never ever used Wells Fargo.they have now cost us time and money
Consumer complaint received 2022-07-03
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. (AZ)

Comenity Bank via Bread Financial is holder of several of my credit cards, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX and more. Their website has been down for over a week. I can not access my statements nor can I pay my bills. They have posted these canned responses online that day call the number on the back of the card to make your payment. When you call, the system gives another canned message to call back. They then posted online to use Easy Pay and gave a link. It does not work. You can not reach anyone at XXXX on the phone. No way to pay my bills. No was to see my statements. 50 million folks in XXXX can't be wrong. I need to pay my cards before this affects my credit score and I get hit with late fees.
Consumer complaint received 2022-10-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (NY)

Hello : My husband and I each have a Sears Master Card with my husband as the primary. We are having issues making payments and are being charged a late fee when they will not accept the payment or have made it impossible to pay online. I have called over 10 times to recitfy this. I am unable to use my actual working card to set-up an online account. It says we do not have a card with Sears and obviously we do. They have sent us new cards previously due to this, we have asked the customer service person to set up Auto Pay and while they say they have done so, it never comes out the next month and I receive a note my bill has not been paid. When I call the wait times are so outrageous -- over an hour -- to receive a customer service rep that has difficulty understanding what I am asking due to language barriers and my requests are never implemented even though I am told that they have been completed. While trying to make a payment online, today even, my card is still not registered in their system. I have filled out legal paperwork to be able to pay the bill, even though I have a card in my name, and they refuse to take my payment over the phone as it is " not in my name ''. I am repeatedly charged a late fee. This has been going on for over a year now. I am at a loss as to proceed and do not feel it is fair nor reputable to not take a payment and charge a late fee, and for a company not to be able to assist a customer register an active credit card to pay online. I am in need of assistance. Thank you.
Consumer complaint received 2022-07-12
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: Experian Information Solutions Inc. (TX)

n accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX, 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
Consumer complaint received 2022-07-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (MA)

I am registering a complaint against The XXXX XXXX XXXX, which owns Synchrony Bank ( SB ) and its subdivision Home DesignXXXX/Synchrony Bank as they put my name and Social Security Number, on an account that I never applied for or consented to open. 
On XX/XX/XXXX when my husband became ill, I found a bill from Synchrony Bank ( SB ) and called them immediately asking why my name was on this bill and asking for any documentation ( written, oral, or verbal ) that they could share with me, as while I am old, I had no recollection of ever opening an account with this bank. After numerous calls I was told I had to pay them, because this was an old account and I should have known that my SSN was being used. So, I again requested any documentation they had on how this account had been set-up. On XX/XX/XXXX I realized Synchrony Bank ( SB ) was on my credit report affecting my credit scores. I called SB to again request a copy of the documentation committing me to a loan agreement. After 6 calls, I was told that to obtain the origination files a written request had to be submitted on forms they would mail. In XX/XX/XXXX the bank had disappeared from 3 credit rating sites. On XX/XX/XXXX, I submitted the required dispute forms. I was told on XX/XX/XXXX that they would respond in 90 days. On XX/XX/XXXX the bank mailed a letter seeking payment. On XX/XX/XXXX I called 4-times and was told that SB did not have the origination files, as they were generated by XXXX XXXX , from XXXX XXXX XXXX XXXXXXXX , a partner of Home DesignXXXX/Synchrony Bank. I was also told that my request had been forwarded to the Fraud Solutions Team. On XX/XX/XXXX, SB sent a letter closing the account, & notifying credit bureaus etc. On XX/XX/XXXX, Synchrony Bank was back on my credit report, as delinquent, making it difficult for me to borrow the funds needed for urgent home repairs. This banking institution is using pressure tactics to make me pay on an account I never opened.
Consumer complaint received 2021-03-05
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIFTH THIRD FINANCIAL CORPORATION (AZ)

Step 1 : What is this complaint about? 
Unauthorized or unwanted checking account. Unable to access funds. Unable to get funds placed in correct account Step XXXX : What type of problem are you having? 
XXXX, pay card issues, transfer between accounts. 

Step XXXX : What happened? 
When I was hired by XXXX XXXX Solutions I was informed that direct deposit was a requirement. No problem, on day one I had my bank information including a voided check ready to go. I was informed by VXI that I could not provide my banking information because they require a paycard ( Wisely card and Fifth Thirds Bank ) for our first paycheck distribution. 
I attempted to transfer funds from the paycard 's checking account, which I never authorized to be opened in my name, to my personal bank of choice XXXX. XXXX verified the account with XXXX/Fifth Thirds Bank by making two small deposits. There was no problem with these two transactions. Then using the XXXX app I transferred {$200.00} to my XXXX account from Wisely. There was no problem with this transaction. When I made my second transfer from Wisely into my XXXX account for the remainder of my paycheck 's balance, XXXX/Fifth Thirds Bank informed XXXX that my account with them was closed. This caused problems with my XXXX account. 
XXXX XXXX Solutions informed me that they will not place my full pay with XXXX as a direct deposit as they will only pay bonuses to the XXXX/Fifth Third Bank account which was opened in my name without my approval or fore knowledge. 

Step 4 : What company is this complaint about? 
XXXX XXXX Solutions, XXXX/Fifth Thirds Bank. 

Step 5 : Who are the people involved? 
XXXX XXXX XXXX XXXX, Myself
Consumer complaint received 2021-08-18
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/XXXX, I made a purchase from a fraudulent company called XXXX XXXX  on the web site XXXX in the amount of {$14000.00} and on XX/XX/XXXX I filed a dispute against the purchase with Capital One the credit card company I had used to make the purchase. It has been a month with no resolution from them or information about my case and I have submitted several documents proving I did not receive the products I purchased to this very day. When I made the purchase from XXXX I was given a tracking number for XXXX. After waiting several weeks and contacting the company several times, XXXX had repeatedly told me that my items would be delivered the " next day. '' When this never happened I reach out to XXXX over the phone and they informed me that the information that XXXX had provided was incorrect but they could not provide any further details. Eventually the tracking number I was given by XXXX  had been delivered to an address in Washington and I am in California. Nor do I have any connections to anyone in Washington. I called Capital One on XX/XX/XXXX to ask for additional information and status on my refund and they could not provide me with any information after an hour and seventeen minute phone call. I called Capital One back on XX/XX/XXXX and they refuse to refund me the {$14000.00}.
Consumer complaint received 2022-05-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

My debit card was charged 6 times between XX/XX/22 and XX/XX/22 for a total of {$480.00}. They were all done at XXXX in XXXX and 4 of the transactions were for {$85.00} each. 2 transactions happened on XX/XX/22. I reported these fraudulent transactions to Chase as I did not make them and I have never lost my card nor have I given anyone my PIN number. Chase denied my claim. I then submitted proof that I was not in XXXX at the time the they were made by providing my employers timecard but they still denied it and said there is nothing else they can do. They are not able to tell me the exact gas station as there are several shell gas stations in XXXX. I don't know what else to do as this is the 1st time this has happened and the bank is unwilling to help me and said I have to take the {$500.00} loss which I canf afford to do. Please help.
Consumer complaint received 2021-02-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A. (MI)

I spoke with CitiBank XX/XX/2021 XXXX EST about payment structure during the XXXX XXXX AND THE STATE OF XXXX LOCKDOWN FOR 12 MONTHS. 
I WAS TRANSFERRED THREE TIMES AND THEN on the fourth attempt no answer and hung up. 35 minutes of wait time ... This is the kind of service WE THE PEOPLE HAVE TO PUT UP WITH DURING THE LOCKDOWN WITH THE XXXX XXXX? 
THIS IS NOT BUSINESS AS USUAL, ANYONE SAYS IT IS THEIR LYING. 

I have reached out several times to no AVAIL and have not rectified the issues that are plaguing the NATION ...!!
Consumer complaint received 2020-08-12
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC. (GA)

In JXX/XX/XXXX, I had a family emergency that required financial assistance and I turned to NetCredit ( NC ) for assistance with a personal loan. My loan was approved, and I have made consistent payments on this loan for over a year. In this past year, my balance has barely changed. My loan was funded for {$5700.00}. As of todays date, my balance is {$5700.00}. 

I contacted NetCredit in XX/XX/XXXX to see if I qualified for any type of assistance with my loan. I was given a one-month deferral. My loan is now MORE than my original amount. I called again on XX/XX/XXXX and advised that I needed assistance and wanted to discuss any program options available to me. XXXX, from the escalation team spoke with me and advised the following : NetCredit does not offer any option to lower interest rates. 
An additional deferral could be offered, providing financial documents to ensure that I actually qualify for the assistance, however, this would only further increase my balance. 
Total interest at the end of the loan comes to approximately {$11000.00} There are several reasons that I am filing a formal complaint. First, I advised NC that I was experiencing a financial hardship and wanted to work WITH them in seeking a solution and I was told that the only option is a deferral, which would not assist me with the issues I am having. Second, I advised NC that I now live on a fixed income due to having a XXXX XXXX  and other medical issues and there was no response from the representative. It seems that NC offers loans to people who are desperate and vulnerable, but offers realistic options for a customer who is making a good-faith effort to find an amicable solution. 

As a result of COVID-19, many other companies have come forward to offer assistance and work with their customers for solutions. It is apparent that NC has no interest in the well-being of their customers and cares nothing about the hardships people, like myself, are facing every day. I find that their interest rates are excessive and because of my change in circumstances, I am unable to make larger payments that would facilitate paying the loan off faster. I have advised NC that I may need to file for bankruptcy to which there was also no response. 

At this time, I am seeking assistance in communicating with NetCredit because I need to maintain my credit and want to continue to make regular payments. I do not believe that this is unreasonable and would request your guidance regarding the tremendous interest rate. It hardly seems fair to consumers, whom are facing challenging times, for this company to have such a disregard for sudden changes in circumstances.
Consumer complaint received 2021-06-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC (MS)

On XX/XX/XXXX, I took my son to the XXXX XXXX XXXX XXXX for a XXXX sustained during football practice. I paid my {$75.00} co-pay and later received a bill from XXXX XXXX for {$47.00} which I promptly paid. In XX/XX/XXXX, I received a bill from XXXX XXXX XXXX ( XXXX of Mississippi XXXX XXXX XXXX for the amount of {$120.00}. I ( incorrectly ) assumed this was a mistake and had already paid this because my {$75.00} copay plus {$48.00} ( rounded up from {$47.00} ) equals {$120.00} which is the exact amount I had already paid. 
In XX/XX/XXXX, I received a collection notice from XXXX XXXX XXXX XXXX XXXX that stated my account had been sent to them from XXXX. Once I received this, I dug further and realized that there were 2 separate {$120.00} charges, one from XXXX XXXX, and one from XXXX ( the doctor we had seen in the ER, XXXX XXXX XXXX XXXX. ) Once I realized my mistake, I paid the amount in full to XXXX XXXX XXXX on XX/XX/XXXX. ( Will attach receipt. ) In XX/XX/XXXX, I received yet another collection notice, this time from Phoenix Financial Services ( Agency Name ) with the current creditor listed as XXXX XXXX XXXX, XXXX. I contacted XXXX XXXX XXXX and they sent me a statement detailing that I had paid and the date of payment received. When I contacted them back to let them know that Phoenix stated the date of service had to be on the receipt, XXXX XXXX Customer Service Representative told me that their receipts are standard and he could not include it on the receipt, but he did email me back stating the date of service separately. I will attach that correspondence that includes his contact information. I emailed the receipt and forwarded the email correspondence with XXXX to Phoenix. Phoenix then sent me a letter stating they had received my letter of dispute but that they had obtained verification from the creditor confirming the account information provided is accurate. The letter from XXXX also discloses that consumer reporting agencies report the account as disputed which indicates that they have sent this debt to my credit bureau. The number on the original XXXX bill is not a working number so I have no way to discuss this with them. XXXX refused to give me the number of the original debtor, and XXXX XXXX only has the doctor 's private practice number. When I called the private practice number, his business manager said she has nothing to do with that and would not give me an alternate number. 
I have proof this debt is paid yet XXXX XXXX XXXX, XXXX continues to harass me, attempt to collect a satisfied debt, and according to their most recent correspondence ( attached ), I gather they have reported the debt to my credit bureau.
Consumer complaint received 2022-04-25
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. (VA)

Last XX/XX/2022, I sent out my dispute letter to you and its been over a month now, and I havent received any response from you yet. As far as I know, under section 611A, you are legally obliged to respond to my dispute letter within 30 days. However, up to this day, I received nothing from you- which is ridiculous. This is in fact a clear violation and negligence on your part. Just so you know, I am keeping records of everything and should you continue to ignore my disputes, I am going to seek litigation for all the troubles youve caused me. I am trying to have these errors corrected for my family, but you seem to be not interested in helping me get this done. My information may also have gotten to the hands of the wrong person because of the Equifax data breach and you need to do your part to investigate and clean up these errors.