davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-20
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: AMERICAN EXPRESS COMPANY (CA)

American Express has informed me that I can't make valid charges to a person because I know the individual. This is absurd and I have had difficulty understanding their position. I know many of the people to whom I make purchases and their position is unclear and their representative had difficulty explaining their rules and what the are requesting. I am now being asked for bank statement and they have not informed me of the reason. 

I think the real issue is that they have extended me a large amount of credit and they are now nervous. This is the best that I can come up with. In an attempt to get to the bottom of this, I am also contacting me congressional representatives about this matter. 

Please let me know of any further information that you require. Thank you.
Consumer complaint received 2024-05-17
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: EQUIFAX, INC. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX CO XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX CO 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 XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Despite our previous attempts, I regret to inform you that these fraudulent items still persist on my record. As we enter this attempt to address this matter, I want to emphasize the critical importance of rectifying these discrepancies promptly. The presence of fraudulent items undermines my financial credibility and poses significant challenges for my financial well-being and future credit opportunities. 

I kindly request that you prioritize the investigation and removal of these fraudulent items with the utmost urgency. It is imperative to take all necessary steps to rectify these discrepancies in accordance with the Fair Credit Reporting Act ( FCRA ) and other relevant regulations. I understand that addressing such issues may require time and effort, but I urge you to handle this matter with the diligence and attention it deserves. With this, I am asking for your assistance to remove the fraudulent items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX Balance : {$650.00} XXXX XXXX XXXXXXXX Balance : {$650.00} ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$310.00} XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/year>, I made an ATM deposit of {$3000.00} ( XXXX {$100.00} bills ) after bank hours at XXXX. The machine was counting the deposit and an error occurred. The ATM printed a receipt for me to reference the deposit, but did not indicate how much deposit I made. The machine said an error occurred and stated that I needed to call the number on the screen to verify the deposit was registered. I called the number immediately and filed a complain. 

On XX/XX/year>, the bank made a temporary credit of {$3000.00} while they investigated the transaction. 

On XX/XX/year>, the bank sent a letter stating that after their investigation, they determined that I only get partial credit of the amount I deposited. They will withdraw {$1100.00} on XX/XX/year>. Essentially, the bank is saying that they only determined I deposited {$1900.00} even though I deposited {$3000.00}. 

After receiving the letter, I called the customer service line immediately to dispute and want this issue to be escalated and reinvestigated. The customer service person said they will note it in the account and would not provide any additional information. I did not receive any other correspondences from the bank. 

XX/XX/year>, I went to the local bank and the customer service agent called the claims line to help me find out the status of my claim and what can be done to escalate the issue and to have the claim reinvestigated. I was basically told there is nothing else to be done. I would need to submit supporting documentation that I made {$3000.00} in deposit. I made {$3000.00} deposit in cash. I should not be penalized for a faulty ATM. 

The {$3000.00} is the amount I needed to pay my credit card with bank because I made purchase of XXXX plane tickets that total {$3000.00}.
Consumer complaint received 2024-08-17
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. (TX)

After reviewing my credit file, I am writing to dispute the inaccurate informations. 

XXXX XXXX XXXX Balance Owed : {$0.00} -How can I have a late payment history when the balance is XXXX????. Please remove the lates in my credit history of this account.
Consumer complaint received 2020-01-30
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Add-on products and services
Company: SYNCHRONY FINANCIAL (RI)

I have several store credit cards that were with Synchrony Bank, specifically Amazon Card ending in XXXX, Lowe 's card ending in XXXX and Walmart card ending in XXXX. For the entire I time I held these cards, I opted in, and paid fees for their " credit protector '' service, which provided that should I become unemployed, my minimum monthly payment would be made, and if my unemployment lasted more than 3 months, my entire balance would be forgiven. 

On XX/XX/XXXX, I was laid off from my employment from XXXX XXXX. Prior to that date, I had been employed full time for 5 years, and had never been late on any of the above Synchrony Bank issued credit cards. I immediately filed for unemployment, and submitted a claim on all of my cards under their " credit protector '' service. I did not use any of the cards after I became unemployed. 

They made one or twXXXX payments on the accounts as agreed. 
My unemployment continued for a full 6 months, until I obtained new employment on XX/XX/XXXX. As I was unemployed for over 3 months, the balance on my accounts should have been forgiven in accordance with the terms of the " credit protector '' insurance. I mailed all requested documents to the insurer as requested, twice, but no further payments were ever made by the insurer, and my accounts went into collection status. Every time they called, I informed them of the credit protector insurance claim, but they would not listen to this, and just insisted I make payment. At this point, I became overwhelmed just trying to keep my mortgage paid, and I was unable to address this issue any further, as by this time, Synchrony bank had destroyed my credit, and now the debts have been charged off and sold to outside collectors who continue to harass me seeking payment of debts that were supposed to be forgiven under the terms of the " Credit Protector '' agreement. I have previously provided documentation to the credit protection insurer for Synchrony Bank on two occassions, with no acknowledgement that they ever received them. I also had a CareCredit account with Synchrony Bank which had a {$0.00} balance, which they also closed when they closed the other accounts, even though it was an account in good standing. 

I have attached the payment information for my final unemployment payment from the RI Department of Labor and Training, you can see the final payment was made on XX/XX/XXXX for the week ending XX/XX/XXXX and that the remaining balance on my claim at that time was {$0.00} meaning I had exhausted my entire 26 weeks of unemployment as of XX/XX/XXXX, which if you calculate back 26 weeks brings us to approximately XX/XX/XXXX which is approximately 1 week after I became unemployed and was first eligible for unemployment and filed my initial claim with Synchrony Bank 's " Credit Protector '' service I have also included a copy of my separation letter verifying the date I became involuntarily unemployed.
Consumer complaint received 2024-06-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Credit Karma (NC)

On XX/XX/2024 I ordered from XXXX. I wanted an estimated XXXX months for my order. After not receiving it, I contacted XXXX customer support. They stated they could not help me. I then escalated it to my bank and disputed the transaction. I received a provisional credit. Later they denied the dispute and took the money from my bank. I contacted my bank for an appeal 2 times after that and was denied both times. I requested proof on why I was denied and I was met with nothing. I then contacted the shipping company, XXXX. XXXX approved that it is a lost package and gave me a case number stating it is lost and was not received. I then contacted my bank and gave them the case number. I was denied again even with the case number. They will not tell me why I was denied. They will not approve my dispute even though I have a case number proving I do not have the package.
Consumer complaint received 2024-06-12
Product: Credit card — Store credit 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: CITIBANK, N.A. (PA)

Order a pair of shoes online and had delivered to the XXXX XXXX XXXX location in XXXX XXXX XXXX, near me. Shoes arrived damaged so I contacted the merchant to return the shoes. I shipped the shoes back, merchant confirmed receipt but then claimed while the shoes would have been in transit, I also exchanged the same pair of shoes at a XXXX XXXX XXXX location in a totally different state. Merchant is in receipt of the shoes based on the tracking details. It appears from a receipt someone has exchanged another pair of shoes to my credit card while not present. I live in XXXX XXXX, the exchange was made in XXXX XXXX XXXX  at the same time the shoes were in transit to this store. Ive never been to that store or received another pair of shoes from this merchant. There is no additional shoe showing on my statement or the exchange transaction. my card was never present at another store and I never received the refund for the shoe I shipped back to the merchant. They have been refusing to resolve.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I recently reviewed my credit report and discovered several inaccuracies that are adversely affecting my credit score. These inaccuracies include accounts that I do not recognize or transactions that were incorrectly reported. Attached, you will find a detailed list of the accounts and entries in question. 

I am currently in the process of purchasing my first home for my family, and it is critical that my credit report accurately reflects my financial history to ensure fair and favorable mortgage terms. I urge you to review the attached documents thoroughly and remove the inaccurately reported accounts as required by the Fair Credit Reporting Act. 
Your prompt attention to this matter will not only help rectify errors on my credit report but also facilitate a significant life event like the purchase of our family home. I appreciate your immediate action in resolving these discrepancies.
Consumer complaint received 2024-06-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP (CA)

These charges are in regards to a US bank business checking account. On XX/XX/year>, I was charged {$57.00} and on XX/XX/year> I was charged {$25.00}. Both of these charges were for a payment processing to reader that I never ordered nor received. I contacted customer service at US Bank and was told that the charges would be reversed due to the error. I was told that it would be reversed within 3 to 5 business days. However it has been several months and the fees have never been returned to me.
Consumer complaint received 2024-08-20
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: MortgagePros, LLC (CA)

During, the application process for my refinance loan, I specifically requested that Mortgagepros stop running my credit report or conduct any hard inquiries. Despite this request, several hard inquiries were made without my consent. 
I have since asked for my loan application to be canceled and for my loan and appraisal documents to be transferred to a new loan provider, but this request has been denied. Additionally, I have requested that all communication from Mortgage pros cease, yet my wife and I continue to receive unsolicited texts, phone calls, and emails.
Consumer complaint received 2022-11-08
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (AL)

XXXX XXXX, account, xxxxxxxxxx XXXX, date opened XX/XX/XXXX. I am requesting this account be deleted off all my credit reports with each agency. There are a plethora of inaccuracies amongst all three agencies. I m also requesting a pay history because the payment amount that is reflected {$760.00} is not the amount I recall PAYING, and Iam req proof of debt. Last payment for XXXX shows XX/XX/XXXX, and XXXX shows XXXX, XXXX XXXX. Account status for XXXX shows collection and XXXX  shows open. Last payment for XXXX show XX/XX/XXXX, experian shows XX/XX/XXXX and XXXX  show XXXX XX/XX/XXXX. Please remove this off my credit reports.
Consumer complaint received 2024-08-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (GA)

Navient claims that they paid a balance off for a consolidation in XXXX for XXXX When the amount of loans I was granted was XXXX, that was not the amount I accepted or received. Loans were cancelled, abandoned and I only needed a portion of others. Navient can't identify who they paid XXXX to. Also, in XX/XX/XXXX, the department of education XXXX  the balance to navient for failure to report for over 12 years to the department of education and unable to identify lender. In XXXX they were fraudulently added to a consolidation after I signed consolation application. The first amount reported by navient was XXXX. The second amount reported was XXXX. For 12 years according to the fraudulent transactions history has me making regular payments of XXXX for XXXX and XXXX, then recurring deferments/forbearance/ repayment every three months from late XXXX until XXXX. Capitalizing the interest every three months from XXXX until XXXX. This was done without my knowledge or permission. Also, navient didn't become a service until XXXX. Navient is unable to provide any promissory note bearing my name and navient. In XXXX or any other year. The balance of the loans added to my consolidation in XXXX, were either paid in full or presumed paid in full by the department of education because of reasons stated above. I have been trying since XX/XX/XXXX to get this corrected. Navient is unable to provide documentation to show any payments made in my behalf nor how they ended up listed on my XXXX consolidated. I requested an activity transaction date and time stamped for all changes or additions to my consolation application from the department of education, and aidvantage to no avail. My new loan servicer XXXX XXXX  can see the account balance was XXXX in XXXX, but say they have no way to fix it. XXXX XXXX  statement is that navient is the only one that can fix it. I have submitted several complaints on the department of education website and I've requested assistance from the ombudsman. To which has fallen on deaf ears XXXX was my original loan servicer and they refused to investigate, stating that it wasn't their job because they don't do consolidions. They said XXXX XXXX  was responsible for the consolidated and XXXX XXXX states that they forwarded all paperwork related to consolation to XXXX and do not have copies
Consumer complaint received 2024-08-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc. (NC)

These people are trying to collect on an old utility bill that does not belong to me. The house was sold and the new owners ran up a bill in my name. The address for the house is XXXX XXXX XXXX XXXX XXXX XXXX, NY. The sale of the house is listed on XXXX and shows the debt was made after the house was sold. I need these scam artists off my credit report.
Consumer complaint received 2024-08-17
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Atlanticus Services Corporation (TN)

Received a credit card in the mail from FORTIVA. Had an account with them XXXX  years ago when I purchased a XXXX security system. They upgraded my account by changing it to a general use XXXX. I work for a bank, so I keep a close eye on my credit. This morning I noticed XXXX had lowered my score XXXX points due to a hard hit on my credit by FORTIVA. I have not activated the card, nor did I ever approve them running my credit. I didnt ask for a credit card to be sent to me. This is an obvious violation of the TILA I just trained on at my job yesterday. I have called FORTIVA, and they promised they would fix everything, but were unwilling to send any documents supporting what they have done or will do. I am supposed to wait up to XXXX  months to see whether or not they followed through.
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Self Financial Inc. (CA)

i reviewed my credit report and noticed some fraudulent accounts. could you please remove these accounts from my credit file report because they affect my ability to obtain credit, according to 15 U.S. Code 6802, it is illegal for banks and institutions to report any data to third-party companies without proper consent. please remove this information from my credit profile. it is unlawful for false and misleading denial of my unlimited credit based on Title 15 Subsection 1611 of the US code. 

SELF FINANCIAL/XX/XX/XXXXAccount number : XXXX Date opened : XX/XX/year>XX/XX/XXXX
Consumer complaint received 2024-08-17
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CA)

Overview of Citibank Credit Card Experience : Balance Transfer Issue Recently, I encountered an unsatisfactory experience with Citibank regarding a series of balance transfer offers. Despite making a timely payment to pay off a large balance transfer offer that was due on XX/XX/year>, Citibank incorrectly applied the payment to a different balance transfer offer with a higher interest rate. XXXX correctly applying it to the offer that was at 0 percent. 

Upon inquiring about this error, Citibank informed me that I should have waited until the following month ( XX/XX/XXXX ) to make the payment. However, if I had waited until XX/XX/XXXX, Citibank would have charged me an entire month 's worth of interest on the balance transfer offer due on XX/XX/XXXX, which went from zero percent to 19.94 percent! 

As a result of Citibank 's incorrect payment allocation, I was penalized with interest charges for the month of XXXX. When I questioned the bank about the appropriate time to pay off a balance transfer offer when it comes due, they provided no clear guidance. 

This issue raises concerns about Citibank 's unclear policies and the potential for customers to be misled into incurring unnecessary interest charges. It is frustrating that Citibank 's actions appear to be a deliberate attempt to maximize their interest revenue at the expense of their customers. 

I am highly dissatisfied with the way this situation has been handled and the lack of transparency from Citibank. I urge the bank to address this issue and provide customers with clear and accurate information regarding balance transfer payments to avoid similar problems in the future.
Consumer complaint received 2024-06-09
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc. (OH)

I filed a claim for a fraudulent transaction on XX/XX/XXXX, they said it would take 90 days to investigate... I received a email yesterday, XX/XX/XXXX saying that they can't approve my dispute... The company is card holder service...