davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-24
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. (GA)

Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, inaccurate, and questionable items that the credit agencies didn't make sure it was reporting 100 % correctly The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?
Consumer complaint received 2023-08-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (AZ)

Subject : Complaint Regarding American Express 's Failure to Refund Annual Fee. Business account referencing XXXX. 

Dear Sir/Madam, I am writing to file a formal complaint against American Express regarding their failure to refund the annual fee for my credit card account. Despite multiple attempts and assurances from their customer service representatives, I have not received the promised refund even after the specified time frames have passed, which has exceeded 90 days. The balance owed is {$700.00}. 

On XX/XX/XXXX, I received communication from American Express stating that the annual fee on my credit card account would be automatically refunded. However, after the fee was not refunded as indicated, I reached out to their customer service department. In subsequent conversations, I was informed that the refund process might take up to 90 days to be completed. I patiently waited for this period to elapse before contacting them again. 

On XX/XX/XXXX, after the 90-day waiting period had concluded, I contacted American Express XXXX XXXX about the status of my refund. To my surprise, I was informed that there was no balance on my account that necessitated a refund. This was puzzling as I had clearly been charged the annual fee, and I had received prior communication confirming the refund process. My online account also shows I have a negative balance. 

In an effort to resolve this matter, I contacted American Express 's customer service once more on XXXX. During this conversation, I was informed that the refund would be transferred to another account of mine within 1-2 business days. However, as of the current date, XX/XX/10, the refund has not been credited to my account as promised. 

This ongoing lack of resolution is causing significant frustration and inconvenience. I rely on accurate financial transactions for managing my budget and making informed decisions. The inconsistent and contradictory information provided by American Express 's representatives has eroded my confidence in their commitment to customer satisfaction. It is my belief they are negligently withholding my funds. 

I kindly request your assistance in resolving this matter promptly. I believe that as a consumer, I deserve transparency, accurate information, and timely resolution from financial institutions. I would appreciate your intervention in ensuring that American Express honors their commitment and processes the refund as promised. 

Thank you for your attention to this complaint. I trust that you will investigate this situation thoroughly and help facilitate a resolution. I eagerly await your response and a satisfactory resolution to this issue.
Consumer complaint received 2019-03-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMERICAN EXPRESS COMPANY (LA)

American Express would call me all the time and mail me all the time. I have disputed the debt amount but they persisted The man was always the same but with a thick unintelligible XXXX accent. 
Then I decided to hear him out. 
He proposed a settlement. I decided to take it. 
I sent the check. They cashed the check but then put it in XXXX that I owe the entire amount. I have repeatedly disputed this debt but got tired of the man calling me so I accepted the settlement
Consumer complaint received 2023-06-24
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)

This is my third 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : - XXXX-XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$850.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : - XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$240.00} XXXX  XXXX ( Original Creditor : XXXX ) XXXX Balance : {$11.00} XXXX SXXXX ( Original Creditor : XXXX  ) XXXX Balance : {$5.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$810.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX {$850.00} XXXX  ( Original XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$180.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$810.00} XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2023-06-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (MD)

Shellpoint keeps playing games and has not shown where they applied XXXX partial payments I made to my mortgage last year. 
These amount were XXXX each. 
They received XXXX funds and applied full amounts from XXXX XXXX XXXX of the partial payments. 
When I have asked them to rectify this they claim they took the XXXX partial payment and added them to the XXXX total and then paid out other months. No proof and nothing reflects this. 
XXXX shellpoint agree with state of maryland ot bring loan current. 
They received funds XX/XX/2023 and then attempted to still bill me fully for that month which is not what they agree to state of maryland. 
so there is XXXX give or take that they need to credit me. 
Addtionally they PROMISED the state of maryland XXXX  dept that they would not raise my interest rate and would work on lowering monthly payments. instead they drastically raised my rate a huge amount.
Consumer complaint received 2023-06-24
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. (MI)

Inaccurate information. 

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 Closed Overview You have 100 % left to pay on this collection. 
Balance {$10000.00} Highest Balance {$10000.00} Opened Account status Type Responsibility XXXX. XXXX, XXXX ( 1 yr ) Closed Derogatory Individual Remarks Account information disputed by consumer, meets FCRA requirements Original Creditor Name XXXX XXXX XXXXXXXX XXXX  Closed No Into
Consumer complaint received 2023-06-24
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. (FL)

I am interested in processing disputes on my credit report to delete and remove all inaccurate information submitted on my transunion credit report. this issue has been holding me back an caused alot of denials. review an remove all invalid data asap.
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2023-08-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (WA)

I have a past due amount of {$1400.00} due on the XXXX of XXXX on my Chase credit card. I started a repayment plan in XXXX to get out from under the past due amount. My payments went up and the past-due amount didn't really go down. I have made XXXX payments already on the XXXX of XXXX and XXXX for {$240.00} and have XXXX more payment scheduled on the XXXX of XXXX. I chose this specific repayment plan to get out from under the past due amount quickly and to avoid my account being closed. The past due amount has barely moved if at all and Chase closed my account anyway. 

The repayment plan was done over the phone and I have not been able to find any documentation of it attached to my account. But, in the description for each payment, you can see they were scheduled by a phone specialist.
Consumer complaint received 2023-06-24
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: EQUIFAX, INC. (MD)

I am XXXX XXXX XXXX and I am submitting this complaint myself. These accounts are inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 506b. I have done many attempts to reach out to three Credit Bureaus but they failed to give me any results or feedbacks about this concern, and where is the proof of payment history for this accounts? Here are the following accounts that are needs to correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XXXX XXXX XXXX [ {$5300.00} ] XXXX XXXX XXXX [ {$2600.00} ] as well as TRANSUNION has violated my rights. These Accounts/Debt is not mine I have not supplied proof under the estoppel by silence, Engelhardt v. gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Consumer complaint received 2023-06-24
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. (NV)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX Balance : {$670.00}.
Consumer complaint received 2023-06-24
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. (NV)

The account listed below is reported on my personal credit file and was found in my reports with 3 credit reporting agencies. This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file. 
XXXX XXXX XXXX Balance : {$930.00}.
Consumer complaint received 2023-06-24
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. (NV)

The account listed below is reported on my personal credit file and was found in my reports with 3 credit reporting agencies. This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file. 
XXXX XXXX XXXX Balance : {$930.00}.
Consumer complaint received 2023-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. ()

My Experian and XXXX XXXX credit report is incorrect and due to this they have taken XXXX points off my credit score when it should have increased as satisfied ccj on report.I have forwarded emails from the company XXXX XXXX to show my account was not defaulted and no late payment markers and I do not owe anything as paid till end of XXXX when I would be moving if credit score was correct .I have also forwarded ccj satisfaction letters
Consumer complaint received 2023-06-24
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)

Consumer Financial Protection Bureau XXXX XXXXXXXX XXXX XXXX XXXX, DC XXXX To Whom It May Concern : CFPB, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, and EQUIFAX. 
I am writing to you today to file a complaint regarding the handling of my disputes with XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, and EQUIFAX. I have been disputing the following inaccurate information on my credit report for over 30 days, and XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, and EQUIFAX. has not yet completed their investigation :
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.
Consumer complaint received 2023-06-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My account was closed for Fraud that wasnt being committed by me. In XXXX I spoke to a supposed BOFA Fraud unit I was asked to pay a balance of {$1600.00} dollars of monies I didnt then or believe now I owe. At the time I was desperate to open an account even after having such a bad experience with bank employees denying me access to an account of mine that had a balance. Employee out of Nowhere said to me I needed a lawyer. Fast forward that account was purged no more than a couple months after it was closed by BOFA which seems really unusual or odd for the account to be purged without out me be informed. Now Im told I have a restriction until XXXX with no clear explanation by BOFA documents etc. my right to know about anything with my identity attached to it is Violated when information is being withheld and im given misleading information to keep me from knowing including from contacting the proper authorities to report this. I have in my pictures photos of screenshots of accounts but with a twist because those are the pictures except the Internet address was swapped from STATIC ETC. to Secure my connection was never secure, that was my biggest concern that I took to a branch in XXXX Oregan were the branch manager of the BOFA went through account and he himself made claims he said were fraudulent monies that were deposited to 1 of the 4-6 accounts that started existing with my original 2 accounts I opened in XXXX BOFA. Those claims were deposited to account on XX/XX/XXXX, I never got access to and disappeared. BOFA gave me statements with no record of any kind on any account. When comparing my XXXX statements, XXXX Oregan XXXX, online Statements, and XXXX XXXX Branch DTLA statements they were not 1 bit similar Like from a totally different computer program print or windows built
Consumer complaint received 2019-03-14
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (IL)

I have had this card for 7 years. Not once have I ever had issues paying the card before it was reported to collections or considered 'late. ' I've been traveling out of the country for two months and during this time, I was robbed, which locked me out of some of my accounts that XXXX passwords ( since I had to change passwords to protect myself ). Though, this shouldn't have been a big deal since I knew the answers to my backup questions. I was robbed on XX/XX/XXXX. 

Every time I leave the country, I can not log into my XXXX account. I am blocked and it requires me to answers a security question, yet the security question is always flagged as incorrect and locks down the account. 

On this past occasion, I tried MULTIPLE times to log into the account, and every time failed. At this point, the account was becoming past due because of my failed attempts to access my account. I tried contacting customer service ( and you can check their call logs for this ), and was unsuccessful to log in. 

I then tried to make a phone payment since I couldn't log in, and after I did, I realized that the payment was never taken out of my bank account. The payment was originally made on XX/XX/XXXX when I received access back to my passwords/had a phone/etc. So I called customer support, who first FINALLY helped me get into my account, only to discover that the last 2 digits of the bank account was switched and the payment was taken from the wrong account. Since I was logged in, I paid directly right away. I made this payment again on XX/XX/XXXX. 

What I CAN NOT understand is how I was NOT notified until the payment was returned and why these numbers were not checked when the payment was made. 

When I contacted XXXX on MULTIPLE occasions after this, stating that I had notice the payment wasn't taken and asked what I needed to do, as I had never paid on the phone, and asked for then the report to be removed from my score, as it greatly impacted my score, they refused to help and blamed me for being out of the country and not trying to mail my payment. I'm not sure when it's safe to mail a payment, but this shouldn't have even had to be an option if I could have accessed the account. I was also blamed for typing in the numbers wrong ( which was absolutely not my intention ) and then blamed for not speaking to a real human instead when that option wasn't even given. 

This has absolutely been the worst service I have experienced and I can not understand how it isn't possible to remove the late payment due to the issues. I also do not understand why an accidental typing of incorrect numbers is my fault if a payment is made over the phone, as I would assume this information would be verified first.
Consumer complaint received 2023-06-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PENTAGON FEDERAL CREDIT UNION (MD)

On XX/XX/2023, I notified Pentagon Federal Credit Union that for at least two months, unauthorized debits made by XXXX XXXX, XXXX XXXX had been made on my Pencheck plus account ( XXXX ) for at least two months, totaling for those two months at least {$280.00}. This account had been dormant for at least five years, probably longer. At that time, I requested the savings and checking accounts I had with PFCU be closed and all funds returned to me, with the unauthorized debits also returned to me. 
On XX/XX/2023, as no communication from PFCU was forthcoming, I again called. This time I spoke to " XXXX, '' going through the whole complaint again, making sure he saw the two months of unauthorized debits. In the first week of XXXX, having still heard nothing from PFCU, I called again, this time speaking to " XXXX. '' He assured me that two separate checks would be arriving soon, one for the checking account and one for the savings account. In the second week of XXXX, I received a check for {$1200.00}. At about the same time, I received a letter from PFCU listing five of eight unauthorized debits, and three debits that were authorized to a different company. On XX/XX/2023, I again called PFCU to report the missing and incorrect debits, speaking to XXXX. I asked about the second check and an accounting of what had taken place. She assured me that two checks had been mailed on XX/XX/2023. As of this date, no second check has arrived and I have not received an adequate account of what PFCU has done, with no explanation of how XXXX XXXX XXXX got my private information.