davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-05
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK (CA)

I opened a savings account with Discover Bank on XX/XX/21 and even had to call in to do a verification call with them. At no time even when calling in before the account was opened did they say anything about an account I had from a few years ago that was closed. NOTHING!!! So I was not even aware of this account, well two days later the froze the account and closed it because of this old account. Now mine you I had deposited a settlement check I had gotten from an insurance settlement. This check was to be held for 7 days, which was fine since I just wanted the money for savings. Well I called when I got the text about the account be frozen and was told it was closed and most likely the would just reverse the check deposit since it was still pending, I of course did not believe this and called XXXX where the check was drawn from and was told the check had been cashed already! SO I called discover back and was told so rudely oh yea well we will mail you a check after it has been 60 days! What! Oh yes its are policy to keep customers money to make sure everything is ok. Really OK with what! The account had only one transaction and it was the deposit, its been 2 days! Well he said so sorry too bad were keeping your money for 60 days then we will mail you a check and it will take another 2 weeks.
Consumer complaint received 2021-08-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (PA)

Opened a Citi Checking & Savings accounts for a {$700.00} bonus.

- Funded the account and completed per instructions from beginning - Multiple times check with Customer Services if I completed all requirements and always received the " Yes, you follow all requirements & will receive a bonus around the end of XXXX '' - Never received the bonus > Submit a Case to Citi team > The response was " Unfortunately, your account does not qualify for this promotion because the Citi Global transfers are not considered a qualifying deposit. '' - I called Citi to follow up and was told I can't respond to the result of the ticket, and nothing else I can do. When I applied for the account, there is no info in the disclaimer or any info related to " Citi Global deposit '' is not acceptable.
Consumer complaint received 2021-07-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NJ)

I have made 4 payments on my mortgage. The first one to XXXX  XXXX  and 3 of them cashed by Shellpoint. On XX/XX/XXXX XXXX  XXXX  confirmed they sent their payment to Shellpoint. Yet, Shellpoint is saying I have made only 3 payments. I have provided support for all 4 of my payments numerous times. I have spoked to 4 different people. Yet, they still say I owe one payment. I asked them if they received the payment from XXXX  XXXX  and I hear different answers from them. So I am not sure. I believe XXXX  XXXX  that they sent over the payment. But Shellpoint isnt even looking for it even though I have requested this numerous times. They are XXXX  and crooks.
Consumer complaint received 2021-08-05
Product: Credit card or prepaid 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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Noticed on XXXX statement unauthorized XXXX charges on my Bank of America statement. Found that the charges had started in XXXX. Charges totaled roughly {$1400.00}. Filed a fraud complaint with Bank of America. Bank of America denied the claim stating that an authorized user on the account used the card and made the purchases. This is an erroneous conclusion as there is no other authorized user on the account and I did not make these purchase. I only use my XXXX card to make XXXX purchase. Not my Bank of America card. 

I appealed the decision and also spoke to XXXX. XXXX confirmed that the transactions were not made by someone on my account and sent me an email stating so. I faxed the email to Bank of America on the appeal but Bank of America still denied the claim citing the same reason that an authorized user made the charges. 

Bank of America claims in their credit card literature that there is 100 % liability protection for unauthorized charges. This is clearly no the case and upsetting that Bank of America refused to refund any of of the {$1400.00} in authorized charges. This just doesn't seem fair. 

Hopefully you can help.
Consumer complaint received 2021-08-05
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. (TN)

I have been filing disputes since XXXX of 2021 with XXXX, Transunion, and XXXX. XXXX  XXXX is reporting a past due balance that's against violation of my FCRA rights. Credit Collection is paid off and it's showing that's it not paid.
Consumer complaint received 2021-08-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (GA)

So today XX/XX/2021 I called a number that kept blowing up my phone, hassarssing me XXXX the name of the company is sequium asset solutions. Before I got to say anything 1. They told me it was an attempt to collect a debt which is illegal pursuant to 15 usc 1692e ( 10 ), ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. They never asked who they was speaking too. Also the lady I spoke to XXXX asked if the address they had on file was the address I stay at. How are you going to blow my phone up and ask if I stay at an address that I never stayed at before! Before y'all call people make sure you have your facts STRAIGHT! Do NOT call my phone any more, DO NOT report any information you have onto my consumer report I do not give you permission to sell any information to any consumer reporting agencies or anyone else who is seeking information. if you violate my right 15 usc 1681 ( a ) ( 2 ) you will be committing Idenity theft defined 15 USC 1681a ( q ) ( 3 ). Since you have violated 15 usc 1692d ( 5 ), ( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

You caused my phone to ring 3 times I am demanding {$3000.00} and {$1000.00} for violating 15 usc 1692e ( 10 ) which I stated above. Pursuant to 15 usc 1692k ( a ) ( 2 ) ( a ) I am entitle {$1000.00} for each violation ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ;
Consumer complaint received 2021-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Lendmark Financial Services (PA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple 3 Bureaus Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2021-08-05
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. (PA)

3 accounts for XXXX XXXX XXXX ( XXXX ) appeared on Transunion credit report ... .I have never had this service ... .I have contacted Transunion twice as well as XXXX via mail and XXXX ... ... I have yet to hear back from XXXX ... how is Transunion verifying these accts? If they are not responding to me they are not responding to Transunion either ... there has yet to be a comment added that these accounts are in dispute on my report ... I am 100 % sure that they are not conducting proper investigations as required by law
Consumer complaint received 2021-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

Hello, I am complaining because I was a victim of Identity Theft and had a bunch of inquiries on Equifax, XXXX and XXXX, I have called XXXX  and XXXX  and resolved the problem with them, now Equifax I have disputed the inquiries online, have called them and talked to them about the situation and they still telling me that they are not going to remove the inquiries on my report. This is very unprofessional and they should know treat their clients especially if its a paying member.
Consumer complaint received 2021-08-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (NJ)

I have a debt to pay to American Express. I had hired an attorney to negotiate a deal. This was due to Covid and my company closing. But I wanted to pay. 

Even though the deal was negotiated and a payment plan was in place. I broke my 401K to pay in full so they could discharge the judgment. 

On XX/XX/XXXX I spoke to XXXX XXXX who gave me instructions on how to pay my balance in full via a wire transfer. 

I immediately made a payment to XXXX account XXXX in the amount of {$4500.00}. 

Since then, I have been calling to clear my account. On XX/XX/XXXX I spoke to XXXX XXXX who told me I was given the wrong account number and to rest assume that the payment was made. He promised to call me back the following Thursday and I never heard from him. 

I was then sent to a XXXX on XX/XX/XXXX. Then on XX/XX/XXXX, I was handed over to XXXX XXXX. Who has yet to call me about this. 

I am now being told to call my bank and ask for the wire back. And that he will open a complaint. 

How does a company like Amex not know where a wire transfer is? 

I am really starting to think I have been scammed with this. I request that a supervisor or manager contact me at XXXX but never heard from anyone! I have sent them proof of full payment from XXXX with my statements Please help
Consumer complaint received 2021-08-05
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc. (CO)

" XXXX XXXX " Credit Card applied for on XXXX XXXX, XXXX. I never called to activate it. 
I live outside of town and receive mail at the Post Office. I have no PO Box out in front of my house. This was discussed at length with the XXXX XXXX  employee-NO MAIL IS DELIVERED TO OUR HOUSE!!. I recived no bill from XXXX XXXX and decided to call and report it on XX/XX/XXXX. I gave my checking account number to the woman with instructions to withdraw the {$54.00} that was due. On XX/XX/XXXX XXXX XXXX wrote me a letter that the {$54.00} " was returned '' by my bank and that a fee had been charged! I now have a letter from my bank stating that no such transaction had happened. So, I called a second time and a different person answered and took the payment. Shortly after that, I received a bill from XXXX for {$32.00} - due on XX/XX/XXXX. I called to complain and was told that my bank had charged that. In the letter from my bank, it is stated that no such fee has ever been charged to my account!!! I'm still receiving phone calls and written bills from Comenity Bank of XXXX XXXX - I'm not sure which it is. The latest billing is for {$100.00}. The same day That I applied for this Credit card, I applied for one at a department store and had a similar problem which was quickly taken care of during the phone conversation with an employee. All is well with that one.
Consumer complaint received 2021-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: HCFS Healthcare Financial Services of TeamHealth (NY)

XXXX XXXX IS REPORTING A FRAUDULENT ACCOUNT ON MY CREDIT ARS ACCOUNT RESOLUTION IS A FRAUDULENT ACCOUNT ON MY CREDIT XXXX IS A FRAUDULENT ACCOUNT ON MY CREDIT I didnt open any of these accounts and I am a victim of ID Theft Please see the attached FTC report and remove these accounts from my credit
Consumer complaint received 2021-08-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (FL)

On XX/XX/2021 I submitted my initial complaint XXXX in which I stated tha I am unable to access my account to set up automated payments or review any information. Since then I have made multiple attempts to resolve the issue contacting customer service and escalating the issue to SLS escalation department. I have contacted the primary escalation supervisor, XXXX XXXX XXXX, multiple times and left voicemails. He has failed to respond or return any of my calls. 

I have been told that my account fully transferred from XXXXXXXX XXXX to SLS on XX/XX/2021. My final payment to XXXX of {$3000.00} was transferred to SLS shortly after. It has not been applied to my loan. On XX/XX/XXXX, made an electronic payment from my personal XXXX account to SLS. It was received by SLS on XX/XX/XXXX. SLS refused the payment ( see attached ). On XX/XX/XXXX, I made a payment to SLS via the phone of {$2200.00}. This combined with the {$3000.00} should have been applied to my XXXX payment. Neither of these payments appears to have been applied to my loan as my latest notice from SLS shows an outstanding payment balance of {$10000.00} I have no faith in SLS managing my payments via the phone or accessing my personal checking account. I would like to be able to make the payments via my chase account and have documentation that they are paid.
Consumer complaint received 2021-08-06
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I received a notification about suspicious activities on my account. There were two transactions, one on XX/XX/XXXX for {$2.00} and one on XX/XX/XXXX for {$540.00}. I immediately notified the bank that I didn't make those purchases, locked my card, and requested a new one. 

Bank of America refused to refund the fraudulent charges twice. I've since filed a police report and notified the bank again. I have not heard back from them.
Consumer complaint received 2021-07-30
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: CITIBANK, N.A. (MD)

I filed a dispute in regards to the incorrect items on my credit report, it had been well over 30 days and I havent received any investigation results.
Consumer complaint received 2021-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (FL)

I AM CONTACTING YOU DUE TO SEVERAL INACCURACIES ON MY CREDIT REPORT. I NOTICE THAT SEVERAL ACCOUNTS ARE NOT REPORTING CORRECTLY WITH THE BALANCES AND AMOUNTS LISTED ON MY CREDIT REPORT. BELOW I WILL LIST THE INFORMATION THAT NEEDS TO BE REPORTING AND THE CORRECT AMOUNT THAT IS TO BE REPORTED. 
1. XXXX/XXXX  ACCT # XXXX IS IN A POSITIVE STANDING IT IS NOT REPORTING ON MY EQUIFAX . HERE IS THE ACCOUNT MONTHLY AMOUNT UPDATE {$3000.00}. 2. XXXX XXXX XXXX # XXXX INSTALLMENT MONTHLY PAYMENT IS {$250.00} BALANCE {$9300.00}. PLEASE UPDATE ACCOUNT AND LIST IT ON MY CREDIT REPORT IMMEDIATELY. 3. XXXX XXXX XXXX 4. XXXX XXXX 'XXXX  XXXX 5. XXXX  ACC # XXXX HIGH CREDIT {$5200.00}
Consumer complaint received 2021-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

XXXX XXXX XXXX XXXX Originally : XXXX XXXX BY XXXX XX/XX/XXXX XX/XX/XXXX {$4800.00} I have reported to this company that this account is fraudulent and affecting my credit and they will not remove. My child has XXXX and tried to lease a home close to services and was denied because of this.
Consumer complaint received 2021-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NY)

This is the 10th time that I have contacted these two reporting agencies and I'm disappointed in the lack of integrity that these people take to hold our credit reports! FIX THIS ASAP! I've paid PERFECT payments since XX/XX/2018 and you need to report this on my credit!!! My score has dropped since you stopped reporting it! So put this back on now! I have PROOF that this account is {$5000.00} limit and I've made perfect payments since opened! So report it! XXXX  is reporting it so YOU NEED TO REPORT AS WELL! ACCOUNT # XXXX XXXX XXXX {$5000.00} limit
Consumer complaint received 2021-08-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I have a cash reward credit card from Bank of America, the starting credit line was around XXXX dollars. In XX/XX/XXXX, I accidentally paid round XXXX dollars, which means around XXXX dollars overpayment, and I did not know I could get that XXXX dollars back as cash at that time. Then during the first 6 months of XXXX, my credit card was used for purchases of around XXXX dollars without me noticing. I reported fraud to bank of america, and they returned that XXXX dollars back to me as credit in my credit card, and I was told by the agent that I can call the bank to transfer that extra credit to cash, but he did not tell me that I have to do it within that billing cycle. I did the following under the circumstance that I do not owe the bank any money, in other words, the balance of my credit card is XXXX. I called the bank on XX/XX/XXXX, and asked them to give my XXXX dollars back, however they told me that I can only do so if I requeste the transfer within the billing cycle which the overpayment happened. So that means I lose XXXX dollars for no reason. It makes no sense at all that I can not have the XXXX dollars back even though it has been a long time.
Consumer complaint received 2021-08-06
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

To whom it may concern, I had some medical bills in the past. Which were all resolved between myself and the hospital. For some reason XXXX XXXX keeps coming after me for collections on behalf of XXXX XXXX XXXX XXXX which was in XXXX XXXX XXXX florida. They are asking for 2 different payments one for the amount of {$380.00} and XXXX. I paid them in full and this was all resolved and settled so I am unsure why this is still on my credit report.
Consumer complaint received 2021-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I have attached 2 accounts that are reporting inaccurately to all three of my credit bureaus, per the FCRA they all have to report the same accurate information. I want these accounts that are reporting inaccurately to be deleted from all three credit bureaus. I have attached pictures highlighting the inaccuracies.
Consumer complaint received 2021-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

FAIR COLLECTIONS & OUT Originally : XXXX  XXXX BY XXXX XX/XX/XXXX XX/XX/XXXX {$4800.00} I have reported to this company that this account is fraudulent and affecting my credit and they will not remove. My child has XXXX and tried to lease a home close to services and was denied because of this.
Consumer complaint received 2022-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Consolidated Information Services Solutions, LLC (GA)

On XX/XX/2022 I received a notice through XXXX that I've gotten an hard inquiry from the company UniversalCIS a company I never heard of as well as the fact I haven't applied for anything new or signed for anything in months. I've tried contacting them but haven't got an answer or any call backs to receive more information or to get the situation resolved. This similar situation occurred on XX/XX/2022 as well with the company Avantus XXXX in which I received no answer or call back as well.
Consumer complaint received 2021-08-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Waypoint Resource Group, LLC (CO)

Re : Amount of debt : {$220.00} Original creditor : XXXX XXXX XXXX Collection agency : Waypoint Resource Group Account ID : XXXX On XX/XX/2021, I received notification that my account had been assigned to Waypoint Resource Group for the collection of payment for equipment that they say was never returned. I requested validation of this debt twice, once in XXXX and then again in XXXX. I have yet to receive any type of validation proving I owe this debt. What I did receive on XX/XX/XXXX was a letter for settlement from the collection agency. Again nothing validating this debt. 

This debt is not valid the equipment in question was indeed returned to the local XXXX XXXX facility, where I was told to leave the equipment on the counter and they would take care of it. 

XXXX XXXX needs to ensure when one of their associates say " Leave it on the counter and we will take care of it '' that they actually find the account that is associated with the equipment and properly take care of crediting the account so that this doesn't continue to be a common problem.