davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-01
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (CA)

I had an account with XXXX XXXXXXXX XXXX for a number of years until XX/XX/2020 when the company went bankrupt and started closing their stores. They also closed all customer accounts and then kept changing payment due dates for payments and then charging exorbitant late fees if you didn't meet their ever-changing due dates. I complained to XXXX XXXX about this and then PAID OFF my account even though I made the payment due date at the time ( I paid the account balance online ). It didn't matter because XXXX XXXX kept charging me late fees on my account, closed BY THEM in XX/XX/2020. The company then kept ( and is still doing this ) charging late fees on the late fees and will not stop even though the account has been PAID OFF & CLOSED. And Now XXXX XXXX is Reporting me to credit agencies for non-payment of these fraudulent Late Fees! 

I am not going to pay any extortion or fraudulent charges such as this- and I want XXXX XXXX sanctioned for this criminal activity because it's illegal to charge late fees on a closed account! And I want the credit agencies notified of XXXX XXXX 's fraudulent activity!
Consumer complaint received 2022-06-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (MA)

5th 3rd Bank purchased our mortgage. We have attempted to make payments over 20 times. Every time we call the multiple phone numbers available online and in the paperwork sent to us, we receive rhe same message : " our call center is closed, please try again later. '' The hours they state are XXXX XXXX XXXX XXXX  to XXXX XXXX XXXX XXXX. We have called multiple times in this window. We have sent in their automatic payment set up form via mail with receipt showing received. They have not responded to us in the entire month since they purchased our loan despite multiple efforts to pay.
Consumer complaint received 2021-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

I am writing to inform you about an error I noticed on my credit report. I would like to update my credit profile. I am requesting that you remove all the addresses on my credit report that is not associated with any open accounts as I have updated my home address with all of my creditors. 

My name is : XXXX XXXX My current address is : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX My Social Security Number is : XXXX My Date of Birth is : XXXX My Phone number is : XXXX My Email is : XXXX XXXX
Consumer complaint received 2022-06-27
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc. (CO)

I bought 3 XXXX XXXX XXXX at the local grocery store. 1 of the cards worked fine, the other two had " no balance '' ( 1 was for {$50.00} and the other for {$100.00} ). I called the customer service number on the back of the cards : XXXX on XXXX XX/XX/XXXX and was told that the 2 cards with no balance not " properly loaded '' by the grocery store personnel and the ONLY way to resolve the problem was to FAX to : XXXX the following documents : Copies of the Gift Cards ( front and back ) ; copy of my DL ( front and back ) and copy of the original receipt. I did that at XXXX XXXX  XXXX  on XXXX XX/XX/XXXX. I called the same number above on XXXX XX/XX/XXXX and spoke to XXXX at XXXX XXXX XXXX and was told that my documents were received and that their " off-line '' team had the request and was " coordinating with the merchant '' and that I should receive info on replacement cards or activation within 2 weeks. I called back in XXXX ( did not record date/time ) and was told the same thing... I asked to speak to a supervisor and was told there was not one on duty. I called back on XXXX XX/XX/XXXX ( on every occasion, the people I spoke to had XXXX or middle eastern accents ) and was told that I needed to file " a dispute '' and to wait on the line and my info would be taken. I waited over 30 minutes ... someone picked up the phone after 30 min ( I could hear voices ) and as said as I said " hello '', disconnected me. I tried to find " XXXX XXXX XXXX fraud '' help on-line and came across this number : XXXX ... it was a recorded message about emergency phone numbers, unrelated to anything XXXX. I then researched your organization and spoke with XXXX on XXXX XX/XX/XXXX who encouraged me to submit a complaint thru you and FTC. I still have the original gift cards and original receipt is needed. Thank you.
Consumer complaint received 2022-07-15
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

XXXX  XXXX Accounts # XXXX has been paid and closed since 2020 but on my report, this is still showing with lates but my record shows XXXX balance. How can this be? They should be update this account.. This inaccurate account is preventing me from getting the credit I deserve and it needs to be updated immediately! 
XXXX  XXXX XXXX Balance : {$0.00}
Consumer complaint received 2021-07-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (CA)

American Express charged annual fees for my Gold Rewards and Hilton Surpass credit cards during the pandemic when we were in a global lockdown and any travel that was permitted following select openings involved weeks of quarantines on both ends of the travel. My family got covid during the pandemic and we were in lockdown for a period. The fees charged are specifically for perks offered by American Express and their travel partners, including the ability to accrue additional points. This is all meaningless if you can't travel. 

In the middle of the pandemic, on XX/XX/XXXX and again on XX/XX/XXXX, I was charged annual fees of {$250.00} each year for my Gold Rewards card ending in XXXX. On XX/XX/XXXX and again on XX/XX/XXXX, I was charged {$95.00} annual fees each year for my Hilton Honors Surpass Card. On To elaborate on what the annual fees get you, I'll give an example with the Hilton Surpass Card. You receive Gold Status, extra points when you stay at Hilton properties, priority pass select that gives to access to airport lounges, and no foreign transaction fees. I don't even know where to start with explaining how absurd it is that American Express is not refunding these annual fees, but almost 4M people have died from covid and they were charges these fees at times when bodies were being stored in trail

ers because we ran out of room. Yet, fortunately, I was charged fees so I could go travel the world and stay at Hilton hotels and buy plane tickets on my Gold card. Bottomline is I paid fees for services and features that American Ex
press was not able to provide because we were under governmental lockdowns and their travel partners were closed or heavily restricted for much of the year and are still restricted in many respects.
Consumer complaint received 2021-07-01
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: Bread Financial Holdings, Inc. (FL)

I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 100 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2023-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HUNTINGTON NATIONAL BANK, THE (OH)

On XX/XX/ It was reported to my credit that I am late on a loan payment for a vehicle loan through Huntington National Bank. However, the vehicle was totaled and XXXX insurance was to pay off the loan. I have a letter from XXXX expressing that this attempt was made on their part XXXX  times in XXXX of XXXX before realizing they had the wrong information included in their records, and that this is not my fault. After the information was corrected on their end, they overnighted a payment with the correct information to pay off the loan on XX/XX/2023.
Consumer complaint received 2021-07-01
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. (LA)

On XX/XX/2021, I received notification from XXXX that a collections account was added to my report called XXXX XXXX XXXX XXXX. My score decreased by XXXX pts due to this. I contacted the collection agency and they basically gave me information that was incorrect. Also, dates of a payday loan I never had or heard of as well as a debt before I was even XXXX years of age. Also, I heard loud XXXX music in the background. Would not give me any information as to his name, XXXX, XXXX information. He also stated that he was the XXXX and that information was irrelevant then proceeded to hang up in my face. Phone Number I called was XXXX.
Consumer complaint received 2021-07-01
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: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 100 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2021-07-01
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION (UT)

On XX/XX/2021 I sent a wire to XXXX for {$4100.00} Is through my mountain America credit Union Check an account account number XXXX to XXXX XXXX XXXX to XXXX XXXX XXXX XXXX  XXXX they gave me a reference number XXXX to a account in XXXX XXXX. If what happened was that the recipient when to when to try to get the money out In XXXX and they told her That they need ed more information About the Sender They ask her who was the name of the bank Where the money is coming from she said Mountain American They told her no that's not where it's coming from To get more information I went to the bank and ask and they told me that they had Used XXXX XXXX So I called her back and told her that she went back to the bank and they said no it's not from XXXX XXXX Is this point I decided to cancel the money Up to the bank And make the cancelation and tell me that your money should be back in your account in 7 business days I wait 2 weeks come back on XX/XX/2021 And I said Hey my money it's not in the account yet so they said you will have to contact the Bank in XXXX And tell them to send the money back And I reach out to the people in the bank in XXXX and they said we already send the money I went back to the bank in a couple more weeks and it's still not there And that they're not responsible for the money in XXXX anymore because the bank and XXXX don't want to give them back the money to XXXX XXXX So I go to XXXX XXXX and they told me that they hired another XXXX  bank so I reached out to back in the bank in XXXX again and they told me that the money was From another bank in XXXX so apparently montenamerica hired XXXX XXXX XXXX XXXX hires XXXX and XXXX hires XXXX and XXXX makes the transfer to caja solodaria. We called the bank inXXXX and they said that they already send the money but they can give us proof or a tracking number because the bank who hires them need to request and I come back to Mountain America And they told me that they can do anything about it because they hires XXXX XXXX and it's out of their hands but like I told the manager at XXXX XXXX We used you because you are a bank To make the transfer you have to Get answers from XXXX XXXX and XXXX XXXX has to get answers from the other bank and so on Is there a keep denying their responsibilities they said that it's a guarantee money and if the money gets lost or the people the banks in XXXX don't want to give it back it's not the responsibility It's not fair for us cause we trust on our bank to look after us They told me that they were going to call me back They told XXXX that they were going to call me back they didn't call me back I had to call them back and they told me the same thing we can do anything it's all up to you now. Mountain American credit Union It's not taking any responsibilities in this case Is a new forward To contact Is XXXX XXXX or any other institutions they just wantna leave it up to me and I'm really frustrated because we need the money back
Consumer complaint received 2021-07-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK (UT)

I applied for a Discover it card. The card is prepaid. I was going to use it to help repair my credit. During the application process I had to give them my banking information and deposit {$200.00} in order to get my card. Discover took my money and about 10 days later started to act hostile. They sent me an email in which they wanted me to fill out tax papers suppose for identification. Bare in mind Discover has already taken my {$200.00} and accessed my bank account. So to turn around now and tell me that they don't know who I am doesn't pass the smell test. 

1. They have my banking information 2. They had my SSN 3. They had my money ( prepaid credit card ) If anything I'm the one taking the risk. Then to top it off when my card arrives and I go to activate my card they want to restrict my card. I paid them {$200.00} of my hard earned money and they are telling me that if I use my card they will deny any thing I buy. 

I suspected it was because I am XXXX American and I told them to refund my money. Not sure that they will. Pretty sure what was suppose to happen was that they were suppose to just activate the card and wish me a good day. 

If they were going to reject me then don't take my money from the beginning. They already had all of my personal information. 

XXXX people have a hard enough time getting credit. But to be treated like a third class citizen ... it's a prepaid card ... my money! 

I think I was discriminated against. Card activation is suppose to be a simply process. 

XXXX XXXX XXXX Card number : XXXX Please help me. Thank you
Consumer complaint received 2021-07-01
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: AMERICAN EXPRESS COMPANY (NJ)

I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 130 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2022-06-27
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Community Health Investment Company, LLC. (OK)

XXXX from XXXX Submitted insurance statement only owing XXXX. Requested to pay only what was owed. Repeadly told by collection agency I owed XXXX. Had insurance call them and submitted my eob they still continue to try to collect. Collection agency used verbal aggressiveness. Collection agency refused to provide medical debt verification. Collection agency said if I wanted information I needed to contact the hospital. Collection agency threatened to notify my employer of debt.
Consumer complaint received 2021-07-01
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: Home Point Financial Corporation (NC)

Reached out multiple times to Homepoint Financial to have XXXX time late payment removed. The company was doing a conversion and switch company names. No action taking by the company.
Consumer complaint received 2022-06-24
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Collections U.S.A., L.L.C. (WV)

XXXX XXXX XXXX XXXX Had a bill for a little less than XXXX $ never received any information about this. They turned it into collections and they were helpful and bill is paid. But then I had another bill for XXXX $ and they sent it to collections. Nobody every contacted me about this bill. I discovered it on XXXX XXXX I called credit col XXXX XXXX XXXX, XXXX wv XXXX ( XXXX ) XXXX on XX/XX/2022 at around XXXX or XXXX XXXX The lady was so rude and un helpful. Originally told me I couldn't make payments. I asked if they would settle the debt for another amount because i dont have the whole amount and she hung up on me. I understand if they want to full amount but I'll just need to make payments. No need to hang up on me and be very rude about my question. I tried to verify if the debt was mine. I don't have any recollection of this debt. I did set up a payment plan and I paying it off. When I went to make the payment they said card payments XXXX $ or check payment was free. I told her I didn't have checks but would go to the bank and get one. Then she was so rude and snapped at me and said I never said you had to send a check. If someone tells me to pay by check I have the understand that means to send a check to them. She said I just meant I need the account number and routing number. I never received anything about these bills and i was trying to settle them and was bullied and treated like trash because I was requesting a payment plan.
Consumer complaint received 2023-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate the account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXXXXXX Balance Owed : {$200000.00}
Consumer complaint received 2022-06-24
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Paramount Recovery Systems, L.P. (AZ)

In 2017 I went to an emergency room while insured by XXXX XXXX insurance. The hospital was never paid by my insurance. This is not my fault. In fact I have already had this once removed from my credit as all three credit reporting agencies previously took it off but the same old debt from 2017 just popped back in my credit report again this month. Just because it was sold to another debt collection agency.