davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (OH)

I continue to be charged interest on purchases even though I am still within the 0 % promotional period on purchases until XX/XX/XXXX. I contacted American Express after I noticed this on my first statement in the amount of {$21.00} The customer service representative reversed the interest and credited my account. He said that it was a known issue and it was now fixed and I would no longer have a problem. So, when I received my XX/XX/XXXX statement, I had the same issue. I was charged {$41.00} in interest on purchases. I contacted customer service and again was told that this was a known issue for some customers and they were working on a solution. I was informed that it would be resolved. This time I was not issued a credit back to the account. Please see attached documentation. Thank you so much in helping to resolve this matter.
Consumer complaint received 2017-11-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BB&T CORPORATION (PA)

The local bank, BB & T took it upon themselves to transfer ( debit ) XXXX from a joint account used for paying bills to a personal account in order to pay themselves fees. 
My personal account has been in the negative due to a deceptive order of putting two checks ahead of debit card purchases. The funds were in my account at the time I made the debit card purchases, yet the bank did not post them in real time. Instead they posted two previously returned checks first days after the debit purchases, then the debit card purchases. This manipulation caused my account to incur fees that were well over the amount of each debit card purchase and the sole reason I had opted out of overdraft for my bank card. Simply put, the funds were in my account and held by the merchant at the time of purchase. This hold shouldve automatically become a charge at the close of the business day and posted by back office by midnight. Instead, back office rearranged the order making it look like there was no money at the time of purchases and hitting me hard with NSF fees. 
If I didnt have the money at the time of the debit purchases and I specifically opted out of OD for my debit card, how was I then able to make the purchases in the first place? 
I understand having to pay NSF fees for returned checks, but this deceptive practice on the part of the banks to get as many fees as possible should not be allowed. 
At the time of opening my accounts it was never told to me that along with fees the bank will also charge XXXX a day for being negative. I found my personal account hundreds of dollars negative in a short amount of time and tried to resolve it in branch unsuccessfully. 
Yesterday my account was now XXXX negative, the bulk of which was fees and the bank took it upon themselves to go into an *unattached* joint account, with NO PRIOR WARNING VERBAL OR WRITTEN, and steal XXXX which means bills I paid WILL BE RETURNED AND I WILL INCUR MORE FEES!!! 
I called customer service and spoke to XXXX who DID NOT WANT TO HELP. Transferred me to the OD department WHO WAS CLOSED!! 
My next complaint filings will be with the Comptroller and Attorney General.
Consumer complaint received 2017-11-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FIFTH THIRD FINANCIAL CORPORATION (NC)

My Identity information had previously been compromised and used to open several accounts and inquires without my permission. This one of them and is a fraudulent account. 

XXXX XXXX Credit Card {$600.00} Opened XXXX I 've currently submit an Identity Theft Report to the federal trade commission as well as disputed this account with the three credit bureaus.
Consumer complaint received 2017-11-01
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In correspondence dated XXXX XXXX, XXXX, I wrote a letter to this company disputing several incorrect information being reported on my credit file. I also wrote to several collection agencies asking for validation to no avail. I did not receive any validation documents and yet, this company continues to report those invalid entries on my credit report. I do not recognize the disputed items, nor the account opened date, closed date, highest balance, payment history reported and requested an investigation on each item. These pieces of information are either inaccurate, invalid and incorrect. Attached is a copy of my second letter I am sending this company today.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.
Consumer complaint received 2017-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NV)

In XXXX and again XXXX my identity was stolen. In XXXX XXXX XXXX started reporting a second card, even though the first one was reported stolen. I obtained a police report. My card was at a 0 balance when stolen, the person ran up 1600+ worth of charges XXXX XXXX XXXX XXXX has charged me over 600 in fees and agreed to remove an additional {$250.00} over that. Currently the balance is showing XXXX, limit XXXX. Both cards reported negative at the same time same months ... so the opened the second card while the first card was still out there ... both have delinquencies showing. I have sent XXXX police reports more than once and they declined to remove the card from my credit. Then they agreed removed it for 2 months and placed it back on my credit with both cards showing a balance. Currently it is reporting just one card as delinquent and they other one with the final month showing 30 days late. Mind you I have no negative credit from any other lenders or creditors. All my bills are paid in full. I actually called XXXX and said I know I didnt charge these items but would like to make a settlement - this was declined. They want me to pay the full amount I sent them a police report for and all of the late fees and interest over 600. 
At this time, this is the only negative account on my file. I have tried everything short of paying someone elses debt. There is also an inquiries as a XXXX XXXX which isnt me, 5 wrong phone numbers. I need assistance in getting XXXX XXXX off my credit and for these people to leave me alone and stop applying for new credit cards to add inquiries to my file as punishment for not paying the account off. This needs to stop here. Please help me. Mortgage loan is pending the outcome
Consumer complaint received 2017-11-01
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CO)

My name is XXXX XXXX an i am reporting Experian credit report agency again. i filed a complaint with the cfbp regarding this issue but experian still do not want to remove all the false informations that they add posted in my file. they never prove a prove of verification to me they never sent to me any letter regarding this issue, any time i log into the so call site of experian to check the result the site do not work at all. Also XXXX and XXXX deleted all the false information about late payments posted by XXXX and all the late payments posted by XXXX XXXX, they sent me a copy of my credit report show all those informations was deleted, but experian still keeping them on my file this company put information on consumer credit file without verifying any of those informations. I asked experian to sent a copy of all the verifications that done with my name on them, they never respond to me even though that they sign the return receipt back to me which is a prove that they did receive my letter and request but they refused to answer me and still keeping those late payments that do not belong to me on my file to destroy my credit. since they can not verify and prove me that those late payments belong to me for more then 60 days i demand immediate deletion or i will have to sue them in colorado federal court of justice
Consumer complaint received 2017-11-01
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: SYNCHRONY FINANCIAL (NV)

In XXXX and again XXXX my identity was stolen. In XXXX XXXX Walmart started reporting a second card, even though the first one was reported stolen. I obtained a police report. My card was at a 0 balance when stolen, the person ran up 1600+ worth of charges XXXX XXXX XXXX XXXX has charged me over 600 in fees and agreed to remove an additional {$250.00} over that. Currently the balance is showing XXXX, limit XXXX. Both cards reported negative at the same time same months ... so the opened the second card while the first card was still out there ... both have delinquencies showing. I have sent Walmart police reports more than once and they declined to remove the card from my credit. Then they agreed removed it for 2 months and placed it back on my credit with both cards showing a balance. Currently it is reporting just one card as delinquent and they other one with the final month showing 30 days late. Mind you I have no negative credit from any other lenders or creditors. All my bills are paid in full. I actually called Walmart and said I know I didnt charge these items but would like to make a settlement - this was declined. They want me to pay the full amount I sent them a police report for and all of the late fees and interest over 600. 
At this time, this is the only negative account on my file. I have tried everything short of paying someone elses debt. There is also an inquiries as a XXXX XXXX which isnt me, 5 wrong phone numbers. I need assistance in getting XXXX XXXX off my credit and for these people to leave me alone and stop applying for new credit cards to add inquiries to my file as punishment for not paying the account off. This needs to stop here. Please help me. Mortgage loan is pending the outcome
Consumer complaint received 2017-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

Please Be advised. Equifax is in breach of the Fair Credit Reporting Act by continuing to keep inaccurate information on my credit report. I have disputed the inaccurate personal information several times yet no changes have been made to my report. Equifax even notified me that the information had been deleted, yet it remains on my credit report which means Equifax is knowingly continuing to report false information. On XXXX XXXX, XXXX Equifax sent me an investigation result stating the inaccurate address have been deleted. On XXXX XXXX, XXXX I pulled my Equifax credit report and the inaccurat information is still harming my credit report. Despite confirming to me in writing that the information was deleted Equifax insists on violating federal law. This is a clear violation of the Fair Credit Reporting Act, and exemplifies open willful neglect.
Consumer complaint received 2017-11-02
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: COMMUNITY CHOICE FINANCIAL, INC. (CA)

On XXXX XXXX, XXXX I took out a payday loan in the amount of {$230.00}. It is now XXXX XXXX and I am still struggling to make the payment. I informed the company that I am going a serious financial hardship. They did n't really give me much time to make the payment. Since then I currently have a balance of {$310.00}, which is even more challenging. On XXXX XXXX I informed them that I can pay {$150.00} towards it but due to a recent XXXX  in the family I was not able to make the payment and they did not show any remorse or understanding.
Consumer complaint received 2017-11-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Alorica Inc. (CA)

I was on vacation when I had a medical issue. My medical is through the XXXX XXXX. There was no XXXX XXXX close by and it was life threatening so I went to the local hospital where I received treatment. From the beginning I informed them of my XXXX XXXX XXXX XXXX XXXX. XXXX wrote me a letter and stated that they had settled the entire bill with them and that I was not liable to pay any more. Now West Asset is reporting a medical bill from that incident. They never contacted me to validate the debt. I discovered it when I applied for a mortgage loan. I would and do fully dispute this debt as being 100 % covered by XXXX.
Consumer complaint received 2017-11-01
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Comerica (OK)

I have my social security benefits deposited onto the direct express debit card and today I did not have access to my funds. I have been calling the customer service number but have not been able to get to a live person for over 7 hours. I called the number to enroll for the card but they advised that they could not help me and that I needed to contact the customer service number. This is not professional and is unacceptable to not have access to my funds.
Consumer complaint received 2017-11-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

My Capital One Credit card last reported on XXXX/XXXX/XXXX that I had a balance of {$5400.00} with a credit limit of {$6500.00}, showing 84 % usage. This has been paid off with a zero balance since XXXX. This has caused my credit score to drop over 40 points and I am in the process of getting a mortgage. I have called the credit agencies AND Called Capital One who said this may take 60-90 days. ALL I AM ASKING IS THAT THEY REPORT to the Credit Agencies but they say because I am in Florida they STOPPED CREDIT REPORTING BECAUSE OF XXXX. THIS IS GOING TO CAUSE A negative situation in possibly not getting my mortgage OR getting a higher rate. Are there attorney 's that I could talk to about getting this taken care of PROMPTLY? Today is XXXX XXXX, XXXX, so it is over 2 1/2 months since they reported the information.
Consumer complaint received 2017-11-01
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (MI)

Hello Sir/ Madam, I made an international money transfer of {$150.00} into my receivers bank account on XXXX/XXXX/XXXX via Western union. As of now money has not been deposited. 
I called them around 15 times, every time they say that transaction has completed successfully. Even though I provided them the proof of not getting it done successfully. ( receivers bank statement since they asked it ) Already tried to contact higher authorities, no answer from them as well. 

Please help Thanks
Consumer complaint received 2017-11-01
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

Please reference the letter I am attaching. I sent this investigation request to Equifax and XXXX XXXX on XXXX XXXX. Nearly 3 months have gone by, and neither have responded. They were supposed to respond within 30 days.
Consumer complaint received 2017-11-01
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

Dear CFPB : Please be that advised this statement and request submitted through the CFPB will serve as a formal complaint that Experian ( ( CREDIT BUREAU ) ) failed to properly conduct an investigation/dispute wherein the company, did not acknowledge my dispute, respond to my dispute, and failed to notify me of any results and/or updates regarding the disputed accounts within the federally controlled/allotted days of 30-45 days according to the Fair Credit Reporting Acts Guidelines of handling a dispute. My dispute was sent on XXXX XXXX XXXX sent certified mail with USPS Tracking XXXX XXXX XXXX XXXX XXXX XXXX As per my civil rights, the items I felt are inaccurate. It has been well over 30 days and I have received no reply. I have included a copy of my original mailing and my mail receipt for your records as well as mine to which I have submitted this dispute. Please take immediate action to rectify these issues. 
I look forward to your timely response and to receiving an updated copy of my credit report as per my initial request where the items in question should be deleted. TIME IS OF THE ESSENCE.
Consumer complaint received 2017-11-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (WA)

In XXXX XXXX, the correspondent re-financed his house. Using equity from the interchange, the correspondent asked XXXX XXXX XXXX XXXX ( the escrow company ) to pay off his Citibank account in the amount of {$31000.00}. A first check was sent in XXXX XXXX. As this check was not cashed within thirty days, the correspondent asked the escrow company is cancel that check and re-issue another check. The second check was sent using XXXX or similar courier on or about XXXX XXXX XXXX. That check was cashed and deposited by Citibank on or about XXXX XXXX XXXX. 

The correspondent started checking his Citibank for the deposit for thirty days. When the deposit was not forthcoming, the correspondent then had a phone conversation with Citibank Payment Investigations. The resultant fax ( XXXX ) was sent XXXX XXXX XXXX. 

Subsequent digital and physical mail communications with Citibank indicate that the deposit was made in an incorrect account ( XXXX ). A subsequent digital communication indicted that the correspondent should ignore the letter sent on XXXX/XXXX/XXXX or words to that effect. 

After repeated efforts on the part of the correspondent to rectify this situation and with full and complete disclosure of all attached information, Citibank has refused to continue to communicate regarding this issue. 

The correspondent has continued to pay the monthly payments on the account to ensure the good state of his credit record. 

XXXX Original correspondence with Citibank regarding the paid off account dated XXXX XXXX XXXX includes ; a copy of the source check from escrow company and deposited check from Citibank. 

XXXX Copy of digital correspondence on XXXX XXXX XXXX where Citibank tells that they inadvertently deposited the check into the account of XXXX XXXX. 

Correspondence1 Correspondence2 A collection of the digital correspondence between XXXX and Citibank
Consumer complaint received 2017-11-01
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

In correspondence dated XXXX XXXX, XXXX, I wrote a letter to this company disputing several incorrect information being reported on my credit file. I also wrote to several collection agencies asking for validation to no avail. I did not receive any validation documents and yet, this company continues to report those invalid entries on my credit report. I do not recognize the disputed items, nor the account opened date, closed date, highest balance, payment history reported and requested an investigation on each item. These pieces of information are either inaccurate, invalid and incorrect. Attached is a copy of my second letter I am sending this company today.
Consumer complaint received 2017-11-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC (CA)

ERC is collecting for XXXX XXXX / XXXX. I had issues with their service. They did not provide the speeds they promised for the internet and the other services were unreliable. I complained and complained but nothing happened. I came to the end of the contract and I paid my bill. They claimed that I did not pay the final bill and that I did not turn in the equipment. With constant follow up and documentation I guided them to find their " missing '' equipment that was n't missing at all. I should be at zero with this vendor. If they claim that I owe them something it would be and is in dispute. 

ERC is now collecting for XXXX. They have never given me notice of a collection account or I would have disputed the account. I have never been given an opportunity to validate the debt and this is a violation of the fair debt collections practices act. I must be given an opportunity to validate the debt of a 3rd party collection agency. FCRA 15 U.S.C. 1681c, US Court of Appeals, Ninth Circuit, No. 00-15946, XXXX vs. XXXX XXXX, FCRA Section 623, FCRA Section 605 ( c ), FDCPA Section 809 ( b ), FTC opinion letter XXXX from XXXX, and FDCPA Section 806.
Consumer complaint received 2017-11-01
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BB&T CORPORATION (NC)

I have had a mortgage with BB & T Bank on an investment property for 10 years. I called yesterday to ask about refinancing under the HARP program. I was told that BB & T wo n't refinance under HARP if the mortgagor has more than 6 loans. I have refinanced most of my investment properties this year, none with BB & T, and I have never heard of this restriction. It appears that BB & T does not want to refinance loans, which strikes me as being in opposition to the intention of the HARP program.Can they do this?
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 XX/XX/year> Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.