davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-05
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. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2019-01-25
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC (PA)

I have been receiving numerous spoofed callerID / robocalls from Trans World Systems. They claim I owe a debt but refuse to even verify my name ( which I will not give them ). They say I have to give my personal information, which I will not do over the phone. Without telling me a name or any information on the " debt '', how can I even verify they are calling the right person 's phone? They also refuse to send anything in writing. All they do is call 2 or 3 times every day and when I block one number, they just switch to another spoofed number.

This is harassment, and robocalls and spoofed callerID are illegal. I highly doubt I owe any debt at all ( credit score over 800, always pay my bills ). But if I do, then simply send me  proof in writing! Calling and harassing me with a fake phone number and then asking me to give personal information over the phone, info which they should have if I owe a debt, doesn't make me feel like this is legit. 

I'd like these fake, spoofed phone calls to stop immediately. If they feel I do actually owe a debt, send me a bill with specific information such as the source and an account number. Here is just a portion of the calls I've received over the last few months : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX ( XXXX ) XXXX XX/XX/XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX ( XXXX ) XXXX XX/XX/XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Restricted # XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX ( These same numbers continue all the way back to before XX/XX/XXXX XXXX
Consumer complaint received 2020-06-29
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (MT)

I closed on my apartment XX/XX/2020. I had a mortgage with PMI  with Wells-Fargo. 

I just looked at my payment history for the loan and found that Wells-Fargo charged me for three months of PMI payments on XX/XX/XXXX, after closing, deducted from my escrow. I believe one month is the max they can charge. 

Please inform me and make Wells Fargo refund any over-payment.
Consumer complaint received 2019-01-24
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Navient Solutions, LLC. (NV)

Under the FDCPA 1692G which gives consumers a 30 day window to dispute a debt in writing AND 1692E which prohibits using false or deceptive means to collect the debt. 

The notice I received removed my right to dispute the validity of the debt through debt validation and debt verification two separate practices. The deceptive practices taken place would be from the collection company knowing the debt is not mine because of the school was notified the information submitted was fraud. Also the alleged debt gives me no option to contact the debtor to dispute only to pay the debt. The claim I am asserting is that the collection letter misguided me as the consumer. In addition to including the the missing absent statutorily required validity language, the collection letter also invited me the recipient to please call to discuss payment arrangements circuit court decisions including XXXX v. XXXX XXXX XXXX XXXX. from XXXX, XXXX XXXX XXXX XXXX XXXX form XXXX, these cases supports the current actions are improper and is in clear violation of the FDCPA 1692G and 1692E I would like the entire debt removed from ALL agencies which credit information or reports are supplies which includes data brokers. 

Proof of Complaint Case Number : XXXX I sent information to XXXX  XXXX university and the department of education Financial Aid department informing them the information was fraud and that I should have never been enrolled in their school and I should not have had a financial aid balance with the school. The fund we're rescinded and I was never given another call or bill.
Consumer complaint received 2019-01-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (NY)

I'm reporting that Citi is not properly handling the closure of the card due to fraud. 
On XX/XX/XXXX I received an alert via text and email that there was a declined attempt to use the card in XXXX. I replied that I do not recognize this transaction and also in just a few minutes I called the number provided, spoke with the person who verified the last valid transaction, and said that I'm going to receive the new card in a few days. 
On XX/XX/XXXX, I chatted online to inquiry about the status of the card : they could not help as they said my account was not accessible. 
Today is XX/XX/XXXX, I do not see any message online about the new card, and I have not received it. I've been waiting to make a few purchases I need. I called again the same number and, surprisingly, I was told the old card has not yet been closed because call was disconnected. There are a few absurds here : - In the original call I had already verified all the transactions and was already told I'd receive a new card in a few days, they tried to transfer me to some mobile wallet department to resetup the Citi Pay wallet but I was left waiting and ended the call. 

- Most important, nobody at Citi, during the previous week, tried to contact me about this. Citi has an account flagged as fraud, apparently not yet closed ( even though I called ), no new card issued, and then Citi customer service does absolutely nothing about it. I'm wondering what would happen if I had left like that indefinitely.

When I had verified the transactions and was told new cards would arrive in a few days, I considered the matter resolved, but Citi did not actually process what they informed.

This is inferior and even improper service, and this account will be less used from now on.
Consumer complaint received 2019-01-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have a loan with CAPITAL ONE, N.A.. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX  and XXXX  and CAPITAL ONE, N.A. were no successful resolution. XXXX  and XXXX  only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018.
Consumer complaint received 2019-01-24
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Bread Financial Holdings, Inc. (DE)

On XX/XX/XXXX I paid off my XXXX XXXX XXXX credit card balance in full. I noticed that despite this being a billing cycle, the credit agencies still had an incorrect balance as well as an incorrect past due status. I filed a dispute with XXXX  on XX/XX/XXXX. In the interest of transparency, and my long relationship with XXXX XXXX XXXX, I called the company and let them know I filed the dispute. The customer service representative was disrespectful and insisted neither she nor her superior knew how the credit reporting team worked. I never actually spoke to the superior. The representative claimed she put me on hold and asked. I made clear that if this was not resolved in a timely manner, I would file a complaint. They had an attitude and we hung up the phone. 

XX/XX/XXXX they at last reported my XXXX balance and current status. I received an alert from XXXX XXXX on XX/XX/XXXX that my credit limit had been decreased from {$6000.00} to {$100.00}. I sent a secure message to XXXX XXXX XXXX Customer Service asking who or what caused this. I was told the Credit Bureaus alerted the Bank that my score had dropped so the credit card company took action to lower my limit dramatically and would evaluate me month to month. I found this difficult to believe as the Bureaus don't volunteer information on consumers. They report to the Banks/Financial Institutions whatever is relevant, and when they are asked, as long as it is within guidelines. I was also told that XXXX XXXX XXXX sent a letter to my house on XX/XX/XXXX. To this day, I have NOT received a letter in the mail of that nature. In fact, I have received numerous coupons and rewards instead. I am a paperless customer and pointed that out. After a few days back and forth with XXXX XXXX XXXX, they sent me a secure digital message on XX/XX/XXXX stating the information they claimed to have sent to my home on the XXXX. The letter and reasoning was inaccurate : I have a XXXX with XXXX that has a XXXX  balance, is in good standing, and has a five figure limit. One of the alleged delinquencies is a reporting lapse, and I have a letter to back that up. Additionally, I've had credit for well over a decade, so there is no issue with a young credit history. 

I strongly believe this was a retaliatory response to me first filing a dispute with XXXX  and then alerting them that a complaint would follow if they continued to drag their feet. I would also like to add that I would sign a sworn affidavit that says I never received the XX/XX/XXXX letter in the mail. As you will see, the letter they finally emailed to me is dated XX/XX/XXXX. Why not just attach the original one that was supposed to have been typed and sent on XX/XX/XXXX?
Consumer complaint received 2020-06-29
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (TN)

I have received a call about this account since XXXX. The account was closed for nonpayment after one missed payment. I stopped paying since the account had been closed. I was called in XXXX by the company and I explained that I did not like how I was treated and how the account was closed. I spoke to someone about a different account owned by the same company on XX/XX/2020. I set up payments for this account to pay the account down so that my credit would not be impacted. I believe this verbal agreement was used for both accounts. 


I had been paying {$56.00} since XX/XX/XXXX on an account that I owed only {$430.00} on after speaking with a representative today I have only paid {$20.00} down on the account bring the balance to {$13.00}. The account manager said that I was still being charged a {$39.00} late fee as well as services fee which kept hitting my credit as late and missed payments even though I was set up for automatic payments. 

I was mislead by the representative back in XXXX and have been making consistent payments on an account that is not being counted toward anything but late fees and service charges. Even though the account has been closed since XXXX they still are reporting to the credit bureau that I have missed payments, this is after being set up on automatic payments. This in turn has dramatically effected my credit  score and has led to credit limits from other cards being lowered or even  closed because of this.
Consumer complaint received 2020-06-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (PA)

Disputed a cellular company charge to my Discover card. I do not have cellular service now despite being paid through XX/XX/XXXX ( today is XX/XX/XXXX ). Cellular Company was contacted by myself 3 days ago regarding my issue. All communication done via chat on their web site. Nothing has been done to resolve my issue by cellular company. Was a {$40.00} charge. Have not been contacted by cellular company. figuring is not worth it doing business with a company like that. Initiated a chat session with discover to dispute this card. Kept getting logged out of their chat room due to issues on their end. After about an hour. I was told to contact XXXX by the discover chat CSR. My discover card is set as a payment methomd in XXXX. The cellular provider directed me to the XXXX web site to use one of my credit cards set up there as payment. XXXX happens to be one of my payment preference methods. I again used my discover csrd to pay for this cellular service. Had nothing to do with a service I did sold by XXXX  or another authorized XXXX company. Was a cellular service through a company that only utilized the XXXX site for payments.
Consumer complaint received 2019-01-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: FIFTH THIRD FINANCIAL CORPORATION (SC)

5th Third Bank Allowed a credit card to be opened in my name and my wifes name using our old information after he move. 

Their fraud department caught hers and close her account down They did not catch mine the credit card went out and someone charge {$10000.00} on the credit card under my name I have been trying to resolve this with the bank and they will not do anything they are claiming that it is a valid account. 

After eight months of no payments or no contact on this account I had some mail forwarded to me after I reinstalled my forwarding from my old address and got a statement from them showing the card I called them at this time and provided them with my contact information cell phone email address and address Now theyre telling me because they have my contact information it was a valid account when it was initially set up. 

They close my wifes due to fraud and will not close mine
Consumer complaint received 2020-06-29
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: EQUIFAX, INC. (NY)

I am submitting this complaint about my XXXX  mastercard. It was reported to the 3 credit reporting agency 's that this account has been late 3 times. The first remark was made back in XXXX of 2020. I am in a special program with them due to loss of work from pandemic. Agreement is to make a minimum payment of {$22.00} per month till the end of XX/XX/2020 and my interest rate lowered. I have made more than the minimum payment required and the account has NOT been late. Today XX/XX/2020 it was reported again as more than 30 days late. I contacted XXXX cards and explained that having this account report to XXXX, XXXX, equifax, XXXX XXXX, XXXX XXXX  is reporting wrong. The rep agreeded that the payments have never been late and I have more than the agreed upon monthly payment plus I made my XXXX payment early. I was told she will send over an e-mail to the correct department and it should be corrected and fixed. I am submitting this complaint because I want to make sure they follow through on this correction. Having this account report as 30 days late 3 times is really affecting my credit score in a very negative way.
Consumer complaint received 2020-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BARCLAYS BANK DELAWARE (CO)

I opened a Barclays Uber Credit card some time ago. I haven't used it much recently since they changed the terms to make it basically useless for anything except Uber, and given that we're in the middle of a pandemic, I haven't travelled recently be it for work or personal reasons. With no warning they closed my account, because obviously it's perfectly fine to expect your customers to put their health at risk to travel just to use your card -- according to them it was closed in XXXX because of a 'inactivity in the past few months ' which is well with in pandemic range. This was annoying enough since I got exactly zero information that this was about to happen ( no, I received no letter from them ), but they've also declined to reimburse me for the credits I still have with Uber. Under the circumstances this is the very LEAST they could have done. I contacted them multiple times ( email -- as I've noted below I can't even get a person on the phone ), but despite the credit still being listed on the very first page of my account, per their response 'we don't see it on your UBER Visa Platinum Account '. They also closed the message chain making it impossible for me to reply despite requesting that I do just that. The credit is a small amount so there's no good reason why it shouldn't have been immediately refunded even without my request, especially given how poorly the closure was handled. I've attached snapshots of the message where they claim they can't find it ( and then ask me to reply when the notice at the top clearly states that the message chain is closed ) as well as the main page of my account which clearly lists the credit that they somehow can't find. I've also tried contacting them by phone, only to be told that there's no one who can help with my account -- not that there's a long wait time, that their automated system literally can't connect me with a person. So this is my last remedy.
Consumer complaint received 2020-08-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (OH)

On XX/XX/XXXX I purchased an XXXX XXXX XXXX laptop from Apple.com using my Apple Credit Card ( provided by Goldman Sachs ). I have had technical issues with the laptop. Unfortunately  when trying to resolve my technical issues during COVID-19 all of the local apple stores and depots were closed. I tried returning the laptop for full refund given that it was not functioning as described. However given the date Apple refused to take back the purchase. On XX/XX/XXXX after receiving no resolution from the merchant ( Apple ), I went to my Apple credit card Goldman Sachs and asked them to dispute the card. I wanted to be able to return the laptop for full refund or have the full amount credited to me on the credit card given that my defective laptop was being rejected. One important reason I need a functional laptop is that I use it for work at home as a XXXX. I have both texted with and spoken to Goldman Sachs representatives for months. My dispute was closed first on  XX/XX/XXXX stating that I should just return the laptop. I called that day to customer service to explain that Apple was refusing my return based on purchase date. I was told they would reopen the case with that information. The following day I was told that my dispute was again closed for the same reason. I have never been able to speak to the same person twice about this. On XX/XX/XXXX I again reached out to Goldman Sachs to speak to a supervisor to explain that Apple is not letting me return but Goldman Sachs is  demanding that I return the item. This circular thinking is putting me, the customer, into a situation that I can not win. Goldman Sachs and Apple are practicing in a way that is very anti-consumer. I simply can not win the maze of auto-robot replies and constant changing of customer service individuals. To summarize simply, all I want is a full refund on my product any way possible - either returning directly to apple or as a refund on my credit card via Goldman Sachs.
Consumer complaint received 2019-01-25
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: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX XXXX sent a misleading email stating that we were 2 % from our companion pass. This email induced us to spend money on the chase card ( which is how wed earned the overwhelming majority of our points in 2018 ). The email did no state that spending on the chase card between XX/XX/XXXX and XX/XX/2018 would add 0 qualifying points toward the XXXX companion pass. Furthermore, on or about XX/XX/2018 I called XXXX and spoke to a representative who confirmed multiple times during the conversation that {$1.00} spent on the chase card = 1 point toward my companion pass. The southwest representative understood that I was referring to the 2018 year for the companion pass. XXXX thru the email they sent on XX/XX/XXXX and the phone conversation with their representative on or about XX/XX/XXXX misled me, the consumer, in such a was that induced me to spend over {$4000.00} on the Chase card between XX/XX/XXXX and XX/XX/XXXX. Had I not received the email from southwest I would not have acted in the way that I did. XXXX misled me, to the benefit of Chase. I can provide the email and subpoena the phone call with XXXX from XX/XX/XXXX as evidence supporting my claim.
Consumer complaint received 2019-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Innovis (OH)

My name is XXXX XXXX XXXX. I am having issues with inaccurate addresses on my credit file. I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E . 
Report and other furnished XXXX XXXX, XXXX XXXX, and INNOVIS inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Credit Act, you are required to comply. The following addresses are not mine please remove/delete them : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX  XXXX XXXX XXXX , XXXX, OH XXXX-XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX  XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX  XXXX XXXX XXXX , XXXX, OH XXXX-XXXX  XXXX  XXXX XXXX, XXXX, OH XXXX-XXXX  XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX