davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-05
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. (MO)

After several calls to XXXX XXXX XXXX XXXX XXXX XXXX and several voicemails left concerning confirmation of my car payments and remaining balance, on XX/XX/2018 I finally was able to speak with someone over the phone. XXXX XXXX, a very rude, and argumentative guy is who answered. I asked about my balance and he informs me of 5 months of payments here and there that were missed. I informed him that I have receipts for the payment, just not with me at the moment, ( as I was surprised they answered ). He did not understand why I was upset and told me he was still going to file a garnishment for my car, stating it is not their fault they did not receive the payment. 
What's so absurd to me is that the only way to make car note payments is by money order through the mail. This is not a safe method of payment, clearly, things can get lost in the mail. Most importantly I NEVER EVER have received not 1 confirmation of my payments since have bought the car. I would have NEVER agreed to the loan if I would have known the ONLY way to make a care payment was through the mail. 
Also following the rude call on XX/XX/2018, I received notification that XXXX XXXX XXXX has ran my credit/ SSN without my permission. This action was completely unauthorized. Which has dropped my credit score by 5pts. I plan to dispute this entire matter.
Consumer complaint received 2018-04-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CA)

This complaint is against the company XXXX. 

On XX/XX/XXXX I noticed that my account was hacked. Three payments were sent without my knowledge or consent, they were sent to someone whom I don't know and have never met. The payments were as follows : 1st payment : {$1500.00} 2nd payment : {$1000.00} 3rd payment : {$480.00} After seeing these payments I looked further at the app and noticed that someone had registered another person 's personal checking account and had used that account to make the payments. ( The payments were never taken from my account ) I immediately reported to XXXX   that my account had been hacked. On XX/XX/XXXX I received an e-mail from the account specialist department at XXXX. In summary they said that there is no evidence my account had been breached, that my activity was deemed highly risky, and that my account has been permanently suspended and frozen. 

At this point I attempted to transfer the {$230.00} of my personal money that I had stored in the XXXX account to my personal checking account that is linked to XXXX. I was not able to do this because my account was frozen. 

I sent another email to XXXX  insisting that my account had been breached and that I want my {$230.00} transferred to my bank immediately. They sent me a final response via email on XX/XX/XXXX again insisting that there is no evidence of my account being breached. 

On XX/XX/XXXX I called XXXX  customer service in attempts to get my money back. They concluded by saying my account has not been breached, they received a loss for the three payments that were sent to this unknown person, and as a result my {$230.00} is no longer available. They suggested I file a police report to get my money back from XXXX.
Consumer complaint received 2018-12-03
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (NJ)

I took out a Best Buy/Citibank Platinum VISA Card a year ago. This card is a combination Store Card and also General Usage Card. When I first applied for this card I was provided misinformation by the Best Buy Store Staff. I am now being charged a monthly APR Interest Rate of 28 % and my required minimum monthly payment continues to rise along with the interest rate. To top it all off ... whatever I do pay per month ( well over 100 dollars ) does virtually nothing to bring down the balance. I fear this is a scam and that this is a trap credit card. I called Best Buy and they told me that they have no control over the practices of Citibank. I called Citibank and they were direct and rude with me ... even though my account is current. They outright refuse to negotiate the Interest Rate and tell me it can never be done. I know this is a lie. Their excuse is that this is a Store Card ..., but it isnt just a Store Card ... it can be used anywhere for General Purchases. It just has a Best Buy logo on it and Best Buy Store Purchases are at a lower interest rate than General Purchases. So they are not telling the truth about the card. I want them investigated for misleading and lying to consumers. I want them investigated for trapping customers into a deal that they cant get out of without falling into further debt, debt collection, or even bankruptcy. Again ... none of this was explained to me by Best Buy Staff. They never told me I was going to be charged almost 28 % interest either. Very little if anything was explained to me. The only thing they kept pushing was 0 % interest for the first year. But thats not true either. Theres no interest for the first year on general purchases ... but after a year they apply BACK interest on those purchases without notifying you prior to signing. Then they refuse to negotiate anything related to interest. They also do not tell the consumer that there is a {$69.00} annual fee for having this Credit Card that applies yearly. This is loan sharking ... plain and simple. Theyre lying to people and keeping them in debt to them forever. I havent used the card in one quarter of a year now ( 3months ) and Im making a forced minimum monthly payment of {$140.00} .... and my balance is still {$3800.00} because the interest is {$70.00} a month. At this rate I will never pay this card off again unless I come up with the entire balance. This is so sad that people are being trapped like this. I do not recommend any credit cards from Citibank ever again for anybody ... including and especially Best Buy. I have 5 other Credit Cards. This one is the only one I am having such problems with. Thats how I know Citibank is not being truthful or fair with consumers.
Consumer complaint received 2024-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am a victim of XXXX  XXXX  of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Consumer complaint received 2018-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (CA)

I had taken out a free trial for XXXX $ with experian two different memberships I was charged for {$29.00} which came to XXXX  $ per month. I called in an cancelled both memberships it was never cancelled and I was charged forXX/XX/XXXXand XX/XX/XXXX. I just noticed on my credit card billing the lady I spoke with onXX/XX/XXXX was never cancelled they just told me again onXX/XX/XXXX that it was cancelled and only refunded me one month when I was charged for 4 payments of {$29.00} on both memeberships I want my refund for XXXX $ to be reimbursed. I called in I know calls are recorded and experian did not do their part of cancelling the service and giving my credit like she told me in XX/XX/XXXX. my confirmation number they just gave me is XXXX and I had a confirmation from XX/XX/XXXX but didnt keep it the ID # XXXX and XXXX
Consumer complaint received 2018-12-03
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN EXPRESS COMPANY (CA)

Have received 28 calls from callers identifying as American Express from XX/XX/XXXX-XX/XX/XXXX. The 28 calls are from 12 different numbers with CIDs " American Express '' and AMERICANEXPRES '' as well as " Private Caller '' and " Out of area ''. 

Only one of theses calls actually left a recorded message ; CID " TOLL FREE CALL '' XXXX on XX/XX/2018 at XXXX ; " This is American Express ..., this is not a telemarketing, ... talk to you about an important matter, call back on XXXX, M-F XXXX, Sat XXXX, Sun XXXX ''. Never any mention of who was being called or what the important matter was. 

I am not an American Express cardholder so I called the official website Customer Service number at XXXX on seven ( 7 ) different times ; XX/XX/2018 ( talked to XXXX in XXXX ),  XX/XX/2018 ( talked to XXXX and XXXX in XXXX XXXX ), XX/XX/2018 ( talked to XXXX in XXXX and XXXX in XXXX on the " Credit Team '' ), XX/XX/2018 again ( talked to XXXX and XXXX in XXXX ), XX/XX/2018 ( talked to XXXX in XXXX FL ), XX/XX/2018 ( talked to XXXX in XXXX ), and XX/XX/2018 ( talked to XXXX and XXXX in Security/ID Fraud in XXXX ). 
Each time the Customer Service Rep assured me that ( 1 ) I was not an American Express cardholder ( no active card ), ( 2 ) no one was attempting to open a card in my name, and ( 3 ) there were no late or delinquent payments notices. 

I requested that since I was not an American Express cardholder they should remove my number from any lists in American Express, marketing or otherwise. That request has not been granted. 

We are all warned ( even from the Federal Government ) not to answer calls if we do not know who they are from and/or not to give out personal information to strangers calling ( possible scammers or crooks ). We are instructed to call the number on the back of the card. However, if we don't have a card then the only legitimate number is one listed for Customer Service on the company website. That is what I did but have not received a satisfactory resolution to my complaint from American Express. 

More details included with attachment to this complaint.
Consumer complaint received 2018-04-04
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: Kross, Lieberman & Stone, Inc. (TX)

This company is reporting information on my credit reports however they are not legally permitted to collect in my state because they are not bonded in Texas. I currently live in Texas and have always resided in Texas. I have checked the website of my secretary of State with the information they provided on my credit report. My search concluded that THEY ARE NOT BONDED in my state. Not only that, I have sent several 609 letters asking for them to " Verify '' the information that they are reporting because these debts are not mine and doesn't belong to me. They have yet to provide adequate proof and still reports on my credit. Please note the following information pertaining to the debt collector including their address, Bond number, Amount they are reporting and date they reported : 1 ) Kross Lieberman & Stone Inc XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Bond number XXXX AMOUNT reporting {$1400.00}
Consumer complaint received 2021-09-10
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: EQUIFAX, INC. (TN)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2024-11-05
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 2018-12-03
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (MA)

I have a Lowe 's credit card for in store purchases. It has a fairly high interest rate but the 5 % off purchases in the store make it worthwhile and I always pay off the balance within the month. I also take advantage of their interest free promotional periods for larger purchases. Sometimes, I balance multiple promotional balances as well as the regular interest bearing balance. I always payoff the promotional balance in the time allowed and within the stated rules to ensure I am not charged interest. During the time I have promotional balances I also ensure that I continue to payoff the regular balance to avoid interest charges on those as well. The website allows for users to choose how payments are allocated. My preference is to have the payments allocated towards regular balances first and promotional balances second. Once the preference is set it is an automated process to distribute the payments to the different balances. Over the years I have found a number of payments allocated in correctly. I reach out to their customer service representatives and they confirm that payments were allocated towards promotional balances first leaving interest bearing regular balances. They also confirm that my preferences are correct in their system and they have no explanation as to why the system has failed. I've learned that I need to double check the automated allocation process. Based on the number of times that this happens and their inability to fix the issue, it appears to me to clearly be a systematic attempt to defraud customers by incorrectly giving them interest bearing balances and charging them the 20 % + interest that comes with the regular balance. My most recent payment to them should have wiped out the regular balance entirely and pay down some of the promotional balance. Upon review of the account I found that there was still a regular balance.
Consumer complaint received 2018-12-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO. (IL)

XX/XX/2018 I received a credit card in the mail from Chase Bank with an {$11000.00} limit. I immediately called Chase to explain I did not apply for any credit card and this account needs to be immediately cancelled. Upon giving the agent the card number I was confronted with the question " what is your password and your mother 's maiden name? '' Since I did not have an account, there was no password and what did my mother 's maiden name have to do with anything? Eventually this agent transferred me to a fraud agent, But before doing so mentioned to another agent that " she forgot she applied for a card. '' I was then transferred to XXXX XXXX who described herself as a fraud officer. She then continued with the questions instead of assurances of a closed account. One of the questions was what is my address, I countered with she already had that information. Eventually she did tell me the account was closed, but did tell me the card was " compromised. '' I asked for more detail, but she was not forthcoming with any information. She explained that I would receive information in the mail and gave me the assignment of calling XXXX to report a fraud. The entire call process took about 30 minutes. An unwanted credit card phone call should not take that long. 

The Truth in Lending Act states " no credit card shall be issued except in response to a request or application. '' I can assure you that I have not applied for any credit card. My only interaction with Chase Bank was to close my brother 's Chase account in XXXX after his passing and cancel his credit/debit card. I would hope that the report of a death in the family to Chase is not considered an application.
Consumer complaint received 2018-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (WI)

My old car was repossessed after I became unemployed. The car was sold and the debt paid off, but the credit report is showing it is still the full balance amount from when I purchased the vehicle, and the account was charged off and still in poor standing. It should reflect as paid and closed since the debt was paid off after the vehicle was sold.
Consumer complaint received 2018-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have been having an ongoing issue with Transunion and not being able to access my credit report to complete Disputes online since XX/XX/2018. I have notified them of the issue via Telephone, customer service, and web support on multiple occasions. There has been no resolve. The advised that they created a ticket. The issue is not a login issue as I can login and I have a screenshot to prove it. I can login but I see system error and that they are experiencing technical difficulties after logging in. 

There is also an duplicate closed account that is reporting that needs to be deleted from The XXXX XXXX XXXX as I only have one current and open account. The closed account needs to be deleted
Consumer complaint received 2018-12-03
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (GA)

On XX/XX/XXXX, I spoke with a member from HUD. She provided me with a deeper insight on what has been going on with Chase and my mortgage. I informed her of all the background including the trial payment plan that I completed back in XXXX, Chase informing me that I need to get 3 payments behind before they can help me, and the false loan modification approval they gave me a few years back. Her response shocked me. Chase told me that HUD placed a terminal denial on my file and that it is was not done by Chase. Unfortunately, this statement by Chase is a complete lie. According to HUD, Chase was not servicing the loan properly according to HUD guidelines and because of that, HUD was not going to give Chase any money for a claim on my property at XXXX XXXX XXXX XXXX XXXX GA XXXX. Therefore, because of that, Chase decided they will not help me out in any regard. This is unfair to me. I done what was required of me by Chase. When I called, I was told so many different things including reapply when my situation changes. I never heard anything different until a few weeks ago where Chase said in XXXX a terminal denial was placed on my account. But if that is the case, they why did they process my loan application in early XXXX. It is apparent that Chase has goofed again, and now they are trying to throw me under the bus again.
Consumer complaint received 2018-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Total Card, Inc. (GA)

On XX/XX/2018 I received this letter from the company that my account was closed, I was laid off an un able to pay, then in XXXX or XX/XX/2018, I started getting alerts, that I having missed payments, I said to my self how can this be, the account is closed. So that means someone from the credit card reopen the account, with out my knowledge, I hadn't talk to anyone nor did I sign any papers, and I verbally didn't talk to any to give permission, me as a consumer now this wrong
Consumer complaint received 2018-12-01
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: PRIMELENDING, A PLAINSCAPITAL COMPANY (MD)

This is a partial copy of the letter sent to the lending company : I am writing to share my frustration and disappointment in one of your Loan Officers, Mr. XXXX XXXX. I am at a complete loss at his level of incompetence and inability to reach settlement on the above listed property. To date, he has missed three closing dates for one bogus reason or another. Despite the mess he has created, he has yet to take ownership for being ill-prepared and failing to ensure all documents were in place for the scheduled settlement dates. 

The following are the dates missed and the rationale given : XX/XX/XXXX date moved to XX/XX/XXXX - No reason given XX/XX/XXXX date missed and moved to XX/XX/XXXX - I was told that HUD wanted to audit the file because multiple contracts had been made on the property and the contracts had failed to reach settlement. I have not spoken to one lender who has ever heard of HUD wanting to audit a file for such a reason. 
XX/XX/XXXX date missed and moved to XX/XX/XXXX - he failed to confirm buyer 's rental history and underwriting needed the former landlord to confirm dates of rental history. At this time, HUD supposedly still wants to " audit '' the file but they will not delay the settlement as the audit is completed. 
XX/XX/XXXX date missed and unable to schedule another settlement date - the buyer has a gap in her employment history, therefore her existing loan is null and void. Why wasn't this discovered and addressed a long time ago? How is something as basic as employment history not addressed in the beginning stages of preparation for settlement? 

I am hoping that you are able to intervene and possibly assist him in closing this deal by XX/XX/XXXX. Not only is this a hardship on me, the seller, but the buyer has been on an emotional roller coaster as well. If I am unable to sell this property by XX/XX/XXXX, I will be forced to terminate this contract and rent the property. I have absolutely no desire to rent this property, but I can't afford to wait until Mr. XXXX  figures out how to do his job and actually reach a settlement on this property. When I told him I may have to rent it because I can't prolong this case any further, he actually had the audacity to suggest that I rent it to the buyer. What kind of pathetic loan XXXX would say something like that? Doesn't that go against your industry? Why purchase or sell a home if everyone should rent?