davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (FL)

I paid the express credit card off on XX/XX/XXXX In the amount of {$410.00} and closed the account. I had just lost my home in a natural disaster and was trying to minimize my accounts as we were homeless and moving constantly. I paid the account in full on that day. In XXXX of XXXX I received a notification from XXXX XXXX stating I had a delinquent account with express. I immediately contacted them requesting information. I was told I was delinquent and that I could lol Up my statements online ( for the closed account ). I was told there was a {$3.00} charge for interest. No email or call was made to alert me to this charge. The company supposedly sent the mail to the address where the house had been hit by a tornado. No mail was ever received regarding the {$3.00} charge. I was initially told that the accrued late fee would be removed and I could pay the amount without issue and it would not be reported. I was then transferred.. and transferred again and again. Until I was finally told there was nothing that could be done and that I would need to pay the past due amount to keep it off my credit report. So I paid the now {$27.00} dollar charge only to have it reported to the credit bureau anyway. I feel like this was absolutely ridiculous. I have never been late in a payment and had paid the account off for this very reason. I did not want to miss a payment on something while we are homeless and moving from place to place waiting on insurance to settle on our home. Instead my credit score has now dropped by XXXX points over a {$3.00} charge and I have been turned away from getting multiple rental homes because my credit has dropped. I have called numerous times and contacted the credit bureaus to have it removed but to no avail. I just need some help. I did everything I was supposed to do trying to keep this very thing from happening. Every time I call express they just continue to say there is nothing we can do for you. I had to go online and reactivate my account to locate the {$3.00} charge which is ridiculous.
Consumer complaint received 2020-03-15
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: CITIBANK, N.A. (MT)

In XX/XX/2019 I was setting up my online password for my new Citibank credit card and having problems. I called Citibank to get help and it auto tells you your card balance. I got off the phone and had to call back about 15 minutes later. The automated balance info was over {$3000.00} higher over that span of time. 

I alerted them that something had happened within 15 minutes of it happening, which my cell phone records to citibank prove I made 2 phone calls within 15 mins of each other. The total amount was a  balance transfer to a discover card for {$3000.00} and a balance transfer fee of {$90.00}. 

Infuriatingly, they did NOTHING and allowed the transfer to go through and post several days later on XX/XX/XXXX. 

Since then I have called over and over and over and over again, each time being bounced around to 5-10 diffferent operators and then told " security is working on it. '' And to just wait.

At no time was it ever resolved or simply refunded while their security team figured out where THEY screwed up, and each call would be several hours of being on hold and transferred. At one point I thought the odyssey was over when a woman in fraud said she could see what happened and she would resolve it THAT DAY. She did NOT resolve it that day, though I did retain her phone number. 

Instead I was eventually blamed saying I had been mailed paperwork by the company to be filled out and I had never sent it back. ( I never got anything ). I was then emailed paperwork which I sent back. When it was still not resolved I went ahead and sent it back AGAIN without being asked to, but the balance is still shown on my card with no change. 

I have 0 faith this will ever be removed without 3rd party intervention and all the interest I've paid refunded etc. Fighting this from XXXX until XXXX when I never did anything wrong whatsoever! Countless hours on the phone for something I have 0 control over and continuously blown off and ignored.
Consumer complaint received 2022-03-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I had issue with Bank of America last week XX/XX/2022. 
I sent {$2000.00} to a wrong number by mistake. I called the Bank of America number immediately after I realized its a wrong number. 
After 2 hours of waiting, someone picked up my call and said they cant do anything at that moment and suggested me to call back on Monday. So I called back again, they filed a claim for the case eventually. 
And yesterday, they sent me an email saying they cant approve my case, because they cant reach that person. 
So basically I lost {$2000.00}. I informed Bank of America a couple hours that transfer was made. And also, the name of the person provided at the transaction doesnt even match with the number of that account. I am very surprised that the transaction even went through. 
I dont know why Bank of America made that decision. So I called the bank again this morning ( XX/XX/2022 ), the person said she is the manager of the dispute team, send she basically emphasize the decision has been made, there is nothing the bank can do right now. After over 11 years of being Royal customer, I felt really terrible the way they handle my case. 
And also, on top of that, on the same date, XX/XX/XXXX, I went to the bank store also since I was on the phone for like 2 hours. The associate basically said there is nothing they can do, and only ask me to stay on the phone and wait for the next available representative.
Consumer complaint received 2020-03-27
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. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT AND A FEW ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE KNOW IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. I HAVE ALWAYS BEEN VERY CAREFUL WITH MY CREDIT AND KEEPING A GOOD CREDIT HISTORY. 
I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT FILE AS SOON AS POSSIBLE.
Consumer complaint received 2024-01-18
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: CCF Intermediate Holdings LLC (GA)

I took this loan out due to a family emergency. As I needed a lump sum amount. I was unaware until now that my minimum payments of {$590.00} were only going towards renewing the loan and none of it was going toward the principal. I was also unaware until today that I am being charged a 152.08 % annual finance charge. Now I have been approved for a loan that doesn't have ridiculous interest and with payments that will go towards principal. The loan amount that I've been approved for is {$60.00} short of the payoff amount on my vehicle. I just made a payment on the XXXX of {$590.00} to TitleMax they want me to pay that again plus the {$60.00} in order to drop my principal low enough to use the other loan to pay it off.
Consumer complaint received 2020-03-15
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. (GA)

I'm a senior and a veteran that has been a victim of identity theft. On XX/XX/19, I received my TRANSUNION credit report that had the name and adverse info. of an identity thief, including several inaccuracies. I requested correction of 38 inaccuracies, including the fraudulent accounts opened by the identity thief. His delinquencies and new inquiries for credit caused my credit score to drop about XXXX points. TU has adamantly REFUSED to make adjustments and increases to my  credit score. The inaccuracies caused prejudice to my creditworthiness. The other two credit reporting agencies did not have damaging identity theft info. TU failed to alert me of the ID theft and fraud even though a fraud alert was on my credit report. I have been rejected for an auto loan as a result of TU 's obstinate refusal to correct the damage by this identity thief.
Consumer complaint received 2020-03-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

I have contacted the new servicing company Shellpoint Mortgage several times because they did not credit me for 3 payments from XXXX, the old company. I have sent them copies of the cancelled checks and they still refuse to do anything about it. They will not even answer my emails or phone calls about this. I do not know what else to do! XXXX was a horrible company to begin with and have done some of the same things, but now I can't get the new servicer to take care of this! I don't see how it is legal to take my money and not credit the payments.
Consumer complaint received 2024-01-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: DISCOVER BANK (CT)

A scam phone call was made claiming to be my bank about a wire transfer. I hung up and called my bank and they confirmed there was a pending wire transfer. I told them I did not authorize this and it is fraud. I was told it would be stopped. Later the same day XX/XX/2024, the transfer was completed and {$8000.00} was taken from my account. I have made multiple calls back about this, and requested all of the phone transcripts to prove I claimed this was fraud and I did not approve or initiate this transaction and the bank still let it happen.
Consumer complaint received 2018-01-14
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bull City Financial Solutions, Inc (SC)

I have a debt on my credit that doesnt belong to me and I believe it was an act of fraud. 
Date opened ; XX/XX/XXXX First reported ; XX/XX/XXXX Date of status ; XX/XX/XXXX Original Creditor ; XXXX XXXX XXXX Amount due ; {$330.00}
Consumer complaint received 2021-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX I filed XXXX XXXX bankruptcy in XX/XX/XXXX case # XXXX included in that case was auto loans with XXXX XXXX XXXX XXXX they merged with XXXX XXXX XXXXXXXX XXXX while the loans were in bankruptcy the plan was confirmed on XX/XX/XXXX an completed onXX/XX/XXXXan discharged but pen fed an experian are showing them as charged off with balances when the plan was completed pen fed sent me out certificates of lien satisfaction dated XX/XX/XXXX an also sent me titles to vehicles loan XXXX XXXX i have contacted pen fed several times about the inaccurate information.I received a letter for the them dated XX/XX/XXXX stated information reporting is correct an that I took out the loans in XX/XX/XXXX while i was under the bankurptcy i resubmitted another dispute explaining it was not correct an that have documentation showing that the loans were included in the bankruptcy an discharged an that i have a copy of bankruptcy showing XXXX credit union/pen fed as creditors i haven't heard a response as of yet i have also disputed with experian an they have refused to get the account validated an stated that it is showing correctly .this misreporting of information is causing me an my family tremendous financial hardship i've been turned down for several loans my daughter is starting college an i can/t get approve for student loans because this erroneous information on my credit report this my last step before legal action
Consumer complaint received 2021-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I filed bankruptcy in XXXX  - ChapteXXXX XXXX  - bankruptcy discharged in XX/XX/XXXX. Why is this remaining on all 3 credit reports when we are now at 8 years since discharge?
Consumer complaint received 2020-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am XXXX XXXX, an employee with XXXX. I have an XXXX Credit Card powered by XXXX XXXX and have been using it for the last 6 months. 

My current problem with the XXXX XXXX right now is the improper reporting of credit balance and the lack of periodic updates of my balance to credit bureaus every month leading the improper or invalid balances on my credit reports frequently, month after month. When I reach out to XXXX XXXX to get this fixed, I often get served with a cold response saying, " We are not obligated to report it every 30 days '', " We can not help you reporting the latest balance '', " We do not have an ETA when we will report the correct information '', " We reported the right information the last time, and we will report the right information next time but can not tell you when '' and so on. 

It has been a very unpleasant experience overall and has been significantly impacting my credit scores as my new balance is XXXX, but XXXX XXXX is not reporting it correct right now.
Consumer complaint received 2020-03-27
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. (FL)

I found out that I am a victim of identity theft when a debt collector called me about a credit card payment for an account that I did not apply for. I had no idea what the debt collector was talking about. That prompted me to check my credit report and I found that someone had used my personal information to apply for and get approved for several credit cards that I didn't authorize my personal information to be used for. I tried to advise the debt collector that I knew nothing about the debt and did not benefit from it, but they said they couldn't help me. The XXXX XXXX account and the XXXX XXXX XXXX accounts should be removed from my credit profile because some criminal used my personal information without my permission to apply for and benefit from those accounts.
Consumer complaint received 2020-03-15
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)

My grievance, specifically, pertains to American Express declining purchases made with my AMEX Gold card without just cause. 

I have been a member of American Express since XXXX. Specifically, in XXXX, I spent {$62000.00} using my AMEX Gold card, alone. I have no late payments documented on my account. Additionally, I have an outstanding payment history with my other credit cards, too. 

The declined charges have occurred numerous times during my membership to American Express, which are extremely inconvenient. I pay annually for the Gold card which, as I am beginning to learn, is not worth the inconveniences I encounter with declined purchases. Specifically, a purchase was declined yesterday ( XX/XX/XXXX ) which was unwarranted and placed me in an extremely difficult, embarrassing, and inconvenient situation. 

I visited a salon/spa in XXXX XXXX. At the conclusion of my appointment, I used my AMEX Gold card to make the payment, which was subsequently declined. I logged onto my account and saw that I had a XXXX balance of amount due and no delinquencies noted on my account. 

Because I only had my AMEX card with me, I had to leave the salon and walk several blocks back to my car in a parking garage, get my XXXX XXXX debit card, walk back to the salon and pay for the services at that time. 

I received a notification via e-mail of the declined payment ; when I proceeded to contact AMEX Customer Service, I was given an error message stating Our system is not responding message.

I use my AMEX Gold card as frequently as possible, as I try to earn points on purchases which are eligible for XXXX purchases. This is the last declined purchase experience I will tolerate, especially as a paying member. My FICO score recently lowered from XXXX only due to a medical procedure I took out a loan for ( which also has on-time payments ) and a new vehicle ( which also has on-time payments ). 
I will gladly close my account ( s ) and take my business elsewhere if American Express feels the need to continue to inconvenience me during purchases. 

XXXX XXXX XXXX XXXX XXXX XXXX, Veteran
Consumer complaint received 2024-04-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (NY)

I opened an estate account for my deceased husband which I am administrator of, I received check from insurance company for {$30000.00} I deposited funds 2 days later I have no access to the funds they told me my account is restricted and under review they are closing my account and I need to wait 10 days to get a check No explanation no warning This is all the money I have and I can't access the funds it's XXXX  XXXX  they are doing
Consumer complaint received 2020-03-27
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. (FL)

XXXX  XXXX. XXXX XXXX, XXXX, CA XXXX XXXX  XXXX. XXXX XXXX, XXXX, TX XXXX Equifax XXXX. XXXX  XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX, XXXX. 
Reported : XXXX XXXX, XXXX - {$830.00} Needs Attention XXXX XXXX XXXX   XXXX XXXX Reported : XXXX XXXX, XXXX - {$4200.00} Closed The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2020-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

I trying to start my new company business and I recently found out that I have several fraudulent addresses and unknown addresses on my file. Please remove delete the following addresses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH 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, PA XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX, XXXX, DE XXXX XXXX XXXX XXXX XXXX, XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, DE XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX The following numbers are unknown and do not belong to me please delete remove : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX.
Consumer complaint received 2020-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

I trying to start my new company business and I recently found out that I have several fraudulent addresses and unknown addresses on my file. Please remove delete the following addresses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH 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, PA XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX, XXXX, DE XXXX XXXX XXXX XXXX XXXX, XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, DE XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX The following numbers are unknown and do not belong to me please delete remove : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX.
Consumer complaint received 2022-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Receivables Performance Management, LLC (FL)

I am receiving collections from RPM llc, and they are stating that I owe them XXXX. I believe this account is inaccurate and erroneous and is negatively affecting my credit report. I do not have any information regarding this account.