davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-15
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)

There are numerous inquiries on my credit reports from XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX. 

I contacted them and asked them to correct the illegal inquiries that are on my credit reports and they said these inquiries are valid. 

I disputed these inquires in XXXX, XXXX and XXXX through Experian, XXXX and XXXX and they have not been investigated, verified, updated or removed. 

What normal human being in their right mind would apply for credit card or a loan through XXXX XXXX  on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX? 

Can you please contact XXXX XXXX, Experian, XXXX and XXXX  and have them delete these inaccurate, illegal inquiries of my credit report?
Consumer complaint received 2018-07-21
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (IN)

I have an account with Synchrony Bank for XXXX music store. I am trying to pay off some of the promotional balances on the card. I have several balances that are equal payment no interest and I specifically am trying to pay off a couple of those balances. I had a balance that stood at {$16.00} and I made a payment to pay it off on XX/XX/2018. In order to have a payment applied to a certain promotional balance, I had to make the payment and either then call or chat to have it applied. I do not, for one, understand why they don't have this functionality on their website. Regardless, I made the payment online and then called them. The next day, I made a payment of {$100.00} to another promotional balance that should have paid that one off as well. I then chatted with an agent to have tht payment also applied just to that balance. To date, XX/XX/2018, NEITHER of those payments has been applied correctly. I have chatted multiple times with them and they have told me it would reflect online within 48-72 hours and now I am being told it can be 1-2 statement cycles. I am beyond tired of fighting with them. Now I have made my monthly payment ( actually about {$30.00} more since I paid {$200.00} ) and it has further reduced the balances on the 2 promotional purchases in question but they should have been paid off by now. I received an email stating the allocation had been done but it has not. As of my last conversation with a supervisor today, he did not listen and tried to reapply the {$200.00} payment I made yesterday as well so it is now possible that payment won't pay the monthly payments.
Consumer complaint received 2018-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Onity Group Inc. (MO)

I had a junior mortgage that was discharged ( not-reaffirmed ) in bankruptcy in the mid-XX/XX/XXXX. This mortgage was originally owned by another loan servicer until XXXX  XXXX XXXX acquired the company. From the mid-XX/XX/XXXX to XX/XX/XXXX, this account has been on my credit report as an open account, included outstanding debt, and a thirty day late notice. I recently learned this practice is not allowed and constitutes multiple FCRA violations. 

Once I disputed these problems, Ocwen started cleaning up the credit reporting, but there are still longer term ramifications for these violations, like higher interest rates on vehicles and homes. 

I am currently working towards an amicable resolution for their willful negligence on the handling of my account. If we can't come to an accord, I may take direct legal action against the company.
Consumer complaint received 2018-12-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (CA)

On XX/XX/XXXX I lost my wallet which had a couple of credit cards inside of it. After I called and let you guys know that my wallet was lost and so were my cards so I would need you to stop the cards from being able to be charged, I was told don't worry you wont be responsible and we're going to close this account as well as send you a new credit card. There were other that I had to call that did the same thing except XXXX XXXX  & Citi Bank. XXXX XXXX  told me I need to go a branch location with my ID to prove that I am me, and they will send me a new card. When I did that to verify my identity they told me my account is closed and I need to reapply. When I asked why they said they had no idea only that I need to reapply and asked me if I want to do that and I said no. When I came home and checked my credit report I saw that XXXX XXXX pulled out my credit reports which is another hard inquiry on my reports without MY authorization. Citi Bank didn't get me any information, needed provided me with any paperwork or explanation, they just said my account is closed permanently and they can't do anything about it. ( I have police reports and it makes no sense since obviously everyone in the world will lose things at some point in time. )
Consumer complaint received 2018-11-29
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with direct deposit
Company: AMERICAN EXPRESS COMPANY (WV)

Bluebird through American expresss advertises get youre deposit up to two days early in which I always have in prior. Well yesterday was the day XX/XX/2018 it should have arrived and it hadnt. Already received email from employer indicating it was sent to bank. They ( bluebird ) didnt see it posted. I waited till today XX/XX/2018 and still not however when I tried to log in my account it wouldnt let me due to system issues on their end ) I call and they tell me they see it but theyre updating system give it 2-4 hours. Time passed and I call back and tell me 2-4 hours again. I used my actual bank account yesterday after hours expecting to be able to pull out the money from bluebird to cover it before overdraft fees occurred now I have less than one hour before the bank closes which locks in me getting fees because there now holding my check 2 days passed what it should have been. Im highly upset and expect my money and my fees to be credited to me or my bank. This is so not acceptable. They advised me upon one call  they have gave fees back before and I understand I chose to use my bank card that caused the fees but in my defense they were to remain consistent with providing my deposits as they have in the past. Its not my fault that they decided to cause such delays going on past 2 days so therefore I dont consider this my fault at any reason.
Consumer complaint received 2018-11-28
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. (CA)

The finished my payments with XXXX XXXXXXXX XXXX  in XX/XX/2018. They are FALSELY reporting to all major credit bureaus that I finished my payments with them in XX/XX/2018. 

I have called and emailed them over 10x and they keep saying " they are working on it ''. first called them in XX/XX/2018 and it is now XXXX. My credit score and report are negatively effected because of their negligence.  They are a XXXX XXXX dollar company yet can't figure out to fix an error on a credit report. 

I need them to fix this ASAP and they refuse or act incompetent. 

It does make any sense why they can't simply fix what they are reporting and provide the accurate, correct information
Consumer complaint received 2018-07-21
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. (MA)

XXXX reported me 3-4 months late On a credit card balance of {$19.00}. 
They reported this to all three credit bureaus and it has affected my credit score. 
Contacted XXXX on XX/XX/XXXX and they told me that I have a zero balance as of XX/XX/2018 when they closed my account. 
I never received a statement from XXXX for months cause I had not made any charges on the card! 
XXXX would not contact the three credit bureaus on behalf to settle this problem!
Consumer complaint received 2018-12-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (NJ)

In XX/XX/2018 I reluctantly opened a XXXX XXXX  XXXX XXXX XXXX XXXX mastercard after being highly pressured by XXXX XXXX   customer service at the time I was signing up for club membership. I refused the card several times but after continued pressure and being advised that I would have better club benefits and a {$5000.00} immediate credit limit I accepted the card against my better judgement. The entire transaction took less than 10 minutes, I was given an instant approval and sent a card in the mail. 

I used this card, made my payments early, as I do with all of my credit cards and after less than 2 months my card was declined. I called customer service who were incredibly unhelpful and was told that they had decided to close my account and could do so at any time. I was deceptively offered a credit account, used sone of it, then had it taken away almost immediately when I did nothing wrong causing my family and I hardship. This will negatively impact my credit score and I believe this practice to be deceptive, unethical, and predatory.
Consumer complaint received 2018-11-29
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with direct deposit
Company: AMERICAN EXPRESS COMPANY (FL)

American Express Serve, system has been down for over 24 hours, no access to website, app and/or customer service. No idea if Direct deposit went in since I have no access to my account and the card does not work.

It is outrageous that this company is holding customers money hostage without access to our hard earned money.
Consumer complaint received 2018-11-29
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with direct deposit
Company: AMERICAN EXPRESS COMPANY (OH)

This is a complaint for the American Xpress XXXX card. Last night on XX/XX/18 I tired accessing the mobile app and web website to check my balance. Nothing would load on either one, so I called customer service. They said the systems were down and to call back in 1-2 hours. I waited until this morning XX/XX/18 and again both systems are down. I should have my direct deposit form work today and I cant access any of the funds to pay my bills or get groceries. When I called customer service back, they again said systems are down and it would be 1-2 hours and to try then. I advised them that what they told me last night. The woman form customer service said sorry there isn't anything she can do. So here it is, 5 more hours later and still no access to see my funds, or most importantly to use my funds to pay bills and eat. This is completely unacceptable and you would never hear about an issue like this on the " regular '' credit card side of things. Where is the business continuity plan for the XXXX side of Amex? This is costing me and many others a ton of inconvenience, frustration, and again most importantly money!
Consumer complaint received 2018-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Healthcare Collections-I, LLC (AZ)

What happened? 
XXXX  has been non-compliant with removing the unverified account HEALTHCARE COLLECTIONS-I , LLC Date opened XX/XX/2014 which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that HEALTHCARE COLLECTIONS-I , LLC was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2018-11-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Onity Group Inc. (KY)

Ocwen has taken a toatle amount of XXXX $ from my bank account. This is a student subsidized loan their taking from me. I do not own a house. I have no idea who this company is and why they are taking my money. I really want my money back! This is a crime. It sais in fine print that i do not have to pay a student subsidized loan back untill 6 months after i graduate. So their is no reason this company, OCWEN should be taking my money! They are stealing from me. I am XXXX i am now completely broke because this company has drained my bank acct!!! I cant afford to buy food for myself or pay my bills because of ocwen! And i cant seem to figure out how i get my money back from them. I have a lawyer thats looking into it! But i just dont feel its enough. I dont want to pay a lawyer all the money that ocwen took from me just to get it back?. I have no relations to this company whatsoever! So they shouldnt have my card information!
Consumer complaint received 2018-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

Given that Experian is acting in bad faith and have not complied with the Fair Credit Reporting Act 611, I am filing this complaint.. I have attempted to have Experian clear up this matter since the listed items are entirely inaccurate and represent a very serious error in reporting. CFPB amp up and resolve this for me.. Remove XXXX XXXX, XXXX/XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX , XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX/XXXX XXXX, XXXX/XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX/XXXX XXXX, XXXX XXXX ,
Consumer complaint received 2018-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: SUNTRUST BANKS, INC. (DC)

There was inquires from Suntrust Auto Dealer on XX/XX/2017 on my credit that I never authorized. I do not know these people and have never been in contact with them. Tried reaching out but got no help
Consumer complaint received 2018-11-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

Creditor is reporting accounts that are invalid and unverified. XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
Consumer complaint received 2018-11-28
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY (MD)

I applied for an American Express Serve Card when filing my federal tax return through an online tax software called XXXX. The online advertisement for Serve states there is a {$1.00} monthly fee for the card which can be made by setting up a direct deposit of at least {$500.00} monthly. I applied for the card and had my tax refund of {$1200.00} sent to the card, the date of card application and deposit is XX/XX/2018. I received the card within 14 days of completing the online application. On the date I received the card, I arranged for a direct deposit of {$110.00} weekly ( {$110.00} x 52 weeks/12 = {$500.00} monthly ). 

On XX/XX/2018, I noticed a {$4.00} fee charged to my AMEX Serve account. Further research shows AMEX Serve charged me {$4.00} monthly for the entire time I've had this card. I called AMEX Serve on XX/XX/2018, in which I spoke to a customer service representative name XXXX. The phone call was placed at approximately XXXX XXXX on XX/XX/2018, to number XXXX. XXXX states, " I must make a monthly lump sum payment of {$500.00} to qualify for the no-fee months ; the system does not recognize weekly payments. '' I dispute that ; my first month I had a lump sum direct deposit of {$1200.00}, the computer charged me a {$4.00} fee that month. 


I followed the literature directions to avoid a monthly fee. AMEX Serve still charged me a monthly fee.
Consumer complaint received 2018-11-29
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Riverwalk Financial Corporation (TN)

In XXXX, due to rough life circumstances, I had a van repossessed. In XXXX, a collection agency by the name of XXXX, XXXXXXXX XXXX XXXX contacted me about a debt that was turned over to them by XXXX XXXX XXXX for said van. Mr XXXX XXXX ( who conveniently no longer works for XXXX, XXXXXXXX XXXX XXXX ) offered me a settlement to get this debt paid and cleared off my credit and I have the settlement letter I was sent. I agreed to the offer and began to make the monthly payment we agreed upon. After about 6 to 8 of  making on time payments, Mr XXXX called me back and said if I would just pay 4 lump sum payments totaling {$1000.00}, they would consider my debt paid in full. I sacrificed to make those payments but I did, and I also have the letter that states I made my payments in full, on time, and that there is now a XXXX balance on behalf of XXXX. However, I've been calling XXXX to find out why they're still reporting me to the credit bureau and they are now ( over a year later and my offered settlement was paid ) Mr XXXX and Ms XXXX, directors with XXXX, are trying to tell me that they never approved the settlement amount that XXXX XXXX, the collection company they hired, offered me and they refuse to honor it and demanding I pay them an additional amount of over {$4300.00} for them to just remove this from my credit!! I need help, please.
Consumer complaint received 2018-07-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Continental Services Group, Inc. d/b/a ConServe (LA)

Conserve XX/XX/2018 Account placed for XXXX in collections from original creditor XXXX University on XX/XX/2018. I have spoken with representatives from both XXXX and Conserve and disputed the charges. 
I was in a XXXX program where supervision is supposed to be given to us even as an online university. I was unable to receive adequate supervision for my program and I had to pay out of pocket which was not in the original contract upon attending the university. I experienced unethical events with the approved staff from this university and unfortunately had to transfer school because I could not continue the program with supervision for the XXXX program track. I completed my required courses and the rest of my student loan was returned. I don't find what I owe a balance for. On top of the tuition increase in the middle of a semester with no prior knowledge in also unethical and unprofessional for current students. 
I have an ongoing investigation with my federal student loans to reverse the loans entirely and sue the school and I don't feel I owe this debt either.
Consumer complaint received 2018-07-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc. (MA)

I pay my XXXX XXXX  credit card balance down to {$0.00} as frequently as possible. 
On XX/XX/18, I attempted to use the credit card at a local restaurant and it was declined. I called XXXX XXXX, and they explained that because I was making payments " too frequently '' a hold had been placed on my entire credit limit until all of the pending payments had cleared from my checking account bank. The current balance ( and corresponding pending payment ) was less than {$100.00} at the time, and there should have been over {$15000.00} in available credit. 
I called back on XX/XX/18, and the supervisor indicated that there was no evidence on my account of a hold, and could not reference a policy that would authorize a complete freeze on my line of credit pending the payments being posted when I asked for a copy of that policy.
Consumer complaint received 2018-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (ID)

I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX   XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2024-01-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

EQUIFAX IS REPORTING INCORRECT INFORMATION ON MY CONSUMER FILE. MY XXXX XXXX XXXX CREDIT CARD AND XXXX CREDIT CARD BOTH SHOW INCORRECT BALANCES AS WELL AS CREDIT USAGE. THE BALANCE ON THE XXXXXXXX XXXXXXXX XXXX CREDIT CARD IS {$3.00} AND THE BALANCE ON THE XXXX CREDIT CARD IS {$3.00}. THE USAGE IS SHOWING XXXX XXXX. THIS INFORMATION IS INACCURATE AND I AM UPLOADING DOCUMENTS AS PROOF.
Consumer complaint received 2018-11-29
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

My Capital One QuickSilver credit card was charged a fraudulent charge on XX/XX/2018 in the amount of {$40.00} from XXXX XXXX. The account was credited {$40.00} ( in green on my transaction history ) on XX/XX/2018 but, the credit hasn't been applied back to my available credit. I contacted Capital One customer service today ( XX/XX/2018 ) and spoke with a representative in CS that stated the credit wasn't applied to my account balance that then transferred me to a another representative in the Fraud Department that spoke 100 mph. I could barely get a word in and I found myself interrupting the representative to get my questions answered but, nothing was resolved. Again, no clear expectations or timeframes. I think the answers to my questions weren't clear. Then the representatives phone HUNG UP abruptly. I need a clear deadline on when the credit will be applied back to my account. Its been almost 7 days. If Capital One has a 0 liability policy to customers on fraudulent transactions why is it taking 7 days to apply a temporary credit to my account. This experience puts a bad test in my mouth. Capital One is a large company and should implement better measures to assist customers in this situation.