davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-18
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Fees charged
Company: PLANET HOME LENDING, LLC (NJ)

On XX/XX/year>, I called the customer service in response to a late payment fee added to my mortgage loan. I was told that my mortgage payment check was returned due to " insufficient funds '' around XX/XX/year>. I contacted my banking institution, and they informed me that they have no record of a check being returned for that reason and they provided proof that the mortgage company was paid on time, and they had cashed/deposited the payment into their account without any problems. I provided them with a copy of their cashed check on that same day, XXXX. The lender came back with another request for me to provide the account ledger. On XX/XX/year>, I provided them with two months of my account ledger which included all transactions in my account. Furthermore, the ledger provided evidence that my account always had a running balance that was much greater than the mortgage payment due. Today, I received another mortgage bill that shows a late payment fee and a full month owed on my mortgage, yet they cashed the XX/XX/year> check in the early days in XXXX and have also gotten paid for the subsequent months in a timely fashion. Their late charge fee and claim of a returned check lacks validity as evident by the account ledger and copy of their cashed checks that I provided to them. Please, address this issue with the company as my husband is a XXXX Veteran that do not deserve companies take advantage of his hard earn benefits through baseless and fraudulent claims, let alone bring him unwarranted problems. Thank you.
Consumer complaint received 2024-06-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc (AZ)

On XX/XX/XXXX of XXXX I had file disappear because I had a transactions was made on my account unauthorized no one had permission to get into my account the amount came out to be {$6100.00} I was granted instant credit but I only had received {$350.00} back on XX/XX/XXXX then XX/XX/XXXX I was granted my dispute didn't give me my phone amount of the {$6100.00} I only have received XXXX I added up all the transactions that was approved it equaled out to be {$5800.00} but I didn't get that I got the {$5600.00} and then XX/XX/XXXX my account became negative of XXXX dollars change so I called numerous times to explain to me all this what's going on about not getting my full amount of dispute money and then the granted approved transactions didn't get that amount that was shown that I should have gotten every time I would call I get hung up on wait for over 45 minutes to an hour and hung up on no one could ever answer my questions when I have questions they have no answer I would like to know what's going on with my account and where my money 's at I can not afford to just take a loss on it at all I would think it would be fair to get my full amount of credit that the money was taken from me
Consumer complaint received 2024-06-17
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Atlanticus Services Corporation (NM)

I had a XXXX salesperson come to my door. He was very aggressive and intimidated me. I told him i was not interested in his product. He would not take no for an answer. I am a young adult that was pressured into a transaction. He then told me that I had a two month grace period. If I wanted to terminate my contract I could within that two months. That was not true, I called the salesperson and he said you signed it and youre stuck with it. I consulted a lawyer and was told to return all the equipment to the address on the contract and require a signature. I did and received correspondence from XXXX saying my account has been terminated, but I am still liable for payment for 5 years. They use Fortiva Financial to finance the equipment. Fortiva says that XXXX hasnt notified them that the equipment was returned and the charge stands. How do I get Fortiva and XXXX to credit my account and not hurt my credit score.
Consumer complaint received 2024-06-17
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (GA)

I've been battling an account from Wells Fargo on my credit report for sometime now and it's getting ridiculous. Wells Fargo reports a credit card as charged off yetis showing an owed balance. None of the information on the credit report is identical therefor makes it inaccurate. Additionally, contrary to the cardmember arbitration agreement, in XX/XX/year> Wells Fargo filed a motion for judgement to garnish my wages. According to the cardmenmber agreement, upon accepting the card both myself and wells fargo WAIVED the right to trial by jury or judge yet they proceeded. I am at this point willing to file suit for violating the terms of the cardmember agreement and violating my consumer rights under the FCRA.
Consumer complaint received 2023-11-03
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: N.A.R., Inc. (MO)

The disputed amount is {$700.00} which is a false statement. We owe nothing on moving out. XXXX XXXX had lost a injury lawsuit to me before we moved out, and this is their retaliation tactic. I have statements from previous residence, that says they were not charged any type of cleaning fee which is what they described my bill as. This is a retaliatorial attempt to get back the money that they lost in my injury lawsuit against them.
Consumer complaint received 2024-06-17
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (TN)

This is my second filing on the same issue. American Express issued a check for the {$100.00} e-giftcard, but not the {$25.00} e-giftcard. 

Hello, I received two American Express e-giftcards from a company. One for {$25.00} and another for {$100.00}. I successfully activated both cards, but after multiple attempts across various retailers I was never able to access any of the funds. Big companies including XXXX and XXXX declined payment. I contacted American Express customer service and they were not able to re-issue the e-giftcards or offer any solution on how to actually use or access my money. These virtual cards are declined online and via XXXX XXXX XXXX XXXX no one will take these cards. I call AMEX customer service again today and they can not offer me any resolution. They can not tell me where I can use the cards ( their site claims you can use them anywhere that accepts AMEX ). They can not transfer my balances for my two unusable virtual cards to a physical card. They can not offer me a refund. They have suggested I " keep trying, perhaps at XXXX or XXXX ''. I asked if they would issue a physical card with my information attached ( since that is why they claim merchants are declining the cards ) and they said no. They do not allow you to use the cards for partial payments, nor do they allow you to charge too close to the total card balance. This system seems designed to skim a few dollars from American consumers. Today, customer service specifically told me that if I can not successfully use the e-giftcards before they expire ( one does in XX/XX/year> and the other in XX/XX/year> ) then I will lose the total amount and there is nothing that can be done. They have falsely advertised that their gift cards can be used anywhere that accepts American Express cards. On my e-giftcard it is the very first line! " Use at U.S. merchants that accept American Express Cards '' This is simply not the case. I can not reach a resolution with AMEX customer service nor can the original purchaser. I have been unable to use their cards for months after multiple attempts. My money is inaccessible. All I want is the total balance on my cards in cash/check. I am happy to submit the relevant card information and balance if needed. Thank you for your help
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I OBTAINED ANOTHER COPY OF MY CREDIT REPORT AND NOTICED ANOTHER ACCOUNT THAT I HAVE NO KNOWLEDGE OF HAS BEEN ADDED TO MY ACCOUNT. I CONTACTED THE CREDIT REPORTING AGENCIES BY PHONE AND CERTIFIED MAIL. I REQUESTED THAT THE ACCOUNT BE VERIFIED, AND THIS ACCOUNT IS UNVERIFIABLE BUT STILL BEING REPORTED TO MY CONSUMER PROFILE. 

I HAVE NO KNOWLEDGE OF THIS CREDITOR AND HAVE NOT GIVEN WRITTEN CONSENT FOR THIS TO BE FURNISHED WHICH IS IN VIOLATION OF 15 USC 1681.

FURTHERMORE, REPORTING ACCOUNTS DUE TO IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2.

REPORTING FRAUDULENT ACCOUNTS IS SEVERELY IMPACTING MY CREDIT AND THE CREDIT REPORTING AGENCIES HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY. REPORTING AN UNVERIFIED ACCOUNT IS IN VIOLATION OF 15 USC 1681 EB
Consumer complaint received 2024-06-17
Product: Credit 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 (CA)

Capital one credit opened Account number - XX/XX/XXXX Credit of XXXX $ was found fraudelant and I was not help accountable XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX CA XXXXXXXX XXXX XXXXXX/XX/XXXX Ss # XXXX Account XXXX Case number XXXX
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

It seems my credit file has been compromised once again. Upon reviewing my records, I noticed several items that do not belong to me. Through diligent research, I found that under Section 605B of the FCRA, you are legally required to remove any items identified as fraudulent due to identity theft. The disputed items are not mine, and I request their immediate removal. 
XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$160.00} XXXX XXXX Balance : {$560.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  Bankruptcy Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require the XXXX Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 

XXXX XXXX XXXX : {$99.00}
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

I am writing to dispute and request the correction of inaccurate information on my credit report. Upon reviewing my credit report, I have identified an account that is inaccurately reporting late payments. I wish to bring to your attention that other credit bureaus have already corrected this account on their end. Therefore, I kindly request that you update my credit report to reflect these corrections. I understand that you are required to conduct a reasonable investigation into disputed items. I request that you promptly investigate this account and make the necessary corrections.. I have contacted the company associated with this account, and they have confirmed that the late payments were errors and have agreed to update my account and remove the late payments. 

The account in question is as follows : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On or about XX/XX/2022 I noticed that I had a charge off that came up on all three credit reports. I immediately called the financing company that submitted the charge off and found out the company had a charge for XXXX XXXX. I immediately contacted the dentist who told me that I was not the patient that had the work done and it was an obvious case of fraud. I called the financing company back in XXXX with a letter from the dentist stating that I was not a patient nor had I ever been in their office. 
I was able to get XXXX, XXXX and TransUnion to get this removed. However every XXXX to XXXX months TransUnion posts the XXXX XXXX XXXX on my credit report causing my credit score to drop even lower than it already is. 

Not only reporting this again but also harrassing me with phone calls. Please help me to get this taken care of so it doesn't reappear every few months. This is not my account. This is for a dentist who I have never been to in my life and the time the procedure was preformed, I was in XXXX XXXX on vacation.
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Your efficiency and prompt attention in correcting some of the adverse information on my credit file is appreciated. However, I believe there are still items that need to be addressed. Therefore, I request the immediate update of all attached inaccurate information listed in my credit file, specifically : XXXX XXXX, XXXX XXXX : {$460.00}.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

There are several inaccuracies in my consumer report that I would like to remove. There is an alias on my consumer report that I would like removed. XXXX and XXXX continues to report inaccurate names. I disputed this on XX/XX/2024 for the second time. 

In addition, Equifax continues to report an inaccurate address and name on my consumer report after I have disputed the information. All XXXX companies are reporting inaccurate information and violating my rights to privacy as well as furnishing my nonpublic information without my consent.
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

While I appreciate your efforts in removing some of the fraudulent items from my file resulting from alleged fraudulent activities, there are still items that need to be addressed. This is a follow-up to dispute the remaining items in my credit file linked to alleged fraudulent activities. I am once again providing Identity Theft Report # XXXX and # XXXX. According to FCRA section 605B ( a ) ( 1 ) ( 2 ), you are obligated to remove any information in my file stemming from alleged fraudulent activities within 4 business days of receiving ( 1 ) appropriate proof of my identity and ( 2 ) a copy of the identity theft report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance : {$660.00} XXXX XXXX Balance : {$4900.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XXXX Balance Owed : {$17000.00} XXXX XXXX XXXX XXXX Balance Owed : {$2800.00} XXXX XXXXXX/XX/XXXX XXXX & XXXX XXXX XX/XX/XXXX XXXX & XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$2300.00} XXXX XXXXXXXX Balance : {$660.00} XXXX XXXX XXXX : {$2700.00} XXXX XXXXXXXX Balance : {$3900.00} XXXX  XXXX Balance : {$4900.00} XXXX XXXX Balance : {$340.00} XXXX XXXXXXXX Balance : {$220.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX -- -- XXXX -- -- TransUnion XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance : {$660.00} XXXX XXXXXXXX Balance : {$3900.00} XXXX XXXXXXXX Balance : {$4900.00} XXXX XXXXXXXX Balance : XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XXXXXXXX Balance Owed : {$17000.00}. Please be reminded that you have XXXX business days to eliminate any items in my credit file resulting from alleged fraudulent activities. I do not consent to XXXX or any automated verification methods.
Consumer complaint received 2024-06-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I had an XXXX XXXX checking account at Bank of America. I closed this account in Branch on XX/XX/year>. They did not close the account and sent me a {$12.00} maintenance fee for three months, totaling a negative balance ( - {$36.00} ). I have the closing document and the statement showing they charge me {$12.00} each month.
Consumer complaint received 2023-04-10
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: CITIBANK, N.A. (CA)

I applied for and was approved for a Citibank Diamond Secured Credit Card and Citibank took {$2000.00} from my Citi checking account as security to hold for 18 months. 
When I started to use the card it was immediately blocked for " security reasons '' that was around XX/XX/XXXX ( I received the card on XX/XX/XXXX ). 

I called Citicards to unblock the card ( They outsource to the XXXX and the phone lines are terrible ), but they said they wouldnt as they couldnt verify me through my Cell phone number ( Citibank dont have this problem for my checking account which still works fine ). 

They said they would send me a letter with a code to verify, no letter turned up Ive since called them 4 times and 4 letters have been sent but none received. 

They asked if I had another card with another bank, so I got a card from XXXX, but now they say they cant use that other card to verify as its too new, I asked how long do I need to hold a card and they refused to tell me. 

Im now stuck with {$2000.00} taken from my bank account and a blocked card Citi refuse to unblock, should I just take them to Small Claims court to recover my {$2000.00}? 

From where Im sitting this appears to be nothing than a bait and switch scheme by Citi, taking money from customers who are trying to build their credit and then refusing customers access to those funds, some would call this fraud. 

Ive also reached out to Citibanks Executive Response Dept but havent had a reply, that was on XX/XX/XXXX.
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX : Account : XXXX Name : XXXX XXXX XXXXXXXX Dear Credit Representative : I am disputing the account stated above. Previously, I disputed this account information as being inaccurate, and you responded by stating you were able to verify this debt. But how is that possible? Under the laws of the FDCPA, I have contacted the agency myself, and they have failed to verify that this is indeed my debt. The Fair Credit Reporting act requires you to verify the validity of this within 30 days. If the validity can not be verified, you are obligated by law to remove it from my credit file. I urge you to remove this account No even that 15 U.S. Code 1666b said : creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. ( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. i Never received a letter from this agency about i have late payment so this company totally failed by low..Delete this account from my Credit File. Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-07-08
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Credence Resource Management, LLC (TX)

in the past 5-6 months Ive been receiving a phone call every day from this company quiescence resource management I always try to answer but they hang up when I get to the phone Ive tried calling back but it goes to voice mail and they say leave us a massage I dont know what to do anymore I received hundreds of calls from them already