davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (MA)

In early XX/XX/2019 I needed to make a major purchase, which I wanted to do with a balance transfer card. I called into American Express for help on opening this account, and expressly mentioned that I was attempting to transfer a balance between one American Express card and another. The representative I spoke to on the phone confirmed that this was possible, and helped me through the process of both approving my credit application for the new balance transfer account, as well as a credit increase on my existing account. 

Two weeks later, after I made my purchase on an American Express card, I was told by a different representative that I would not be able to transfer the balance between one Amex account and another. I told this new representative that I had been misled the first time around, at which point they directed me to a supervisor. This supervisor told me that a dispute had been opened on my behalf. 

Now in XX/XX/2019 I realize that my credit is being negatively impacted by the presence of an empty balance transfer account. I reached out to check on the progress of my dispute, and find that there is no record of a dispute on either of my American Express accounts. In fact, many of the documents associated with my account are completely unavailable online ( including the original cardholder agreement paperwork and any monthly statements more than 4 months old ). 

Upon realizing this, I reached out to Amex to close my account and try to open a dispute. After being promoted to a supervisor, I was able to get the supervisor to volunteer that I was given false information about my credit application.
Consumer complaint received 2019-12-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Hodosh, Lyon & Hammer, PC (RI)

I was never served by this company XXXX XXXX XXXX XXXX XXXX what so ever and how i found out was through my employer because my check was garnished for over a XXXX dollars, i never received a letter never received a phone call At all and this was 3 yrs ago.  Now i want to counter sue them for violating my FDCPA rights.
Consumer complaint received 2019-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: FactorTrust, Inc. (GA)

I AM REQUESTING A SECURITY FREEZE ALONG WITH BLOCK ON ALL ACCOUNTS. 


XXXX XXXX XXXX XXXX {$530.00} XX/XX/2017
Consumer complaint received 2024-06-12
Product: Student loan — Private student loan
Issue: Issue where my lender is my school — Issues with fees connected to the loan
Company: Navient Solutions, LLC. (NC)

Id like my disclosure and fees with my consolidation loan. I havent received it, and or can view it. I was denied the misconduct application, Im a class suit member in which my art institute federal loans were full forgiven. My original loan was an art institute private loan and I wanted to know my right of forgiveness as this loan was consolidated ( signature ) with XXXX XXXX which was purchased by Navient. I wanted to know if my private consolidation would receive an approval for the holder rule, or am I going to have to go through a lawyer to get this loan dismissed.
Consumer complaint received 2019-12-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SCA Collections, Inc. (NC)

This kind of account is placed as a collection account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX  or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.
Consumer complaint received 2019-12-10
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION (NC)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX   or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.
Consumer complaint received 2024-06-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: FIRST INTERSTATE BANCSYSTEM, INC. (NE)

Beginning XX/XX/XXXX my account was socially engineered. Between XXXX and XX/XX/year> over {$15000.00} had been unverified transferred out from my account. This also impacted three other external accounts Im not affiliated with. An elderly woman was socially engineered to providing the information for these transactions to take place. We have filed complaints with our banking institution, First Interstate Bank. After their initial research they believe there is nothing they can do for us and the money is unrecoverable. They state my mom walked into the building to approve of these transactions. My mom is heavily XXXX. She does not walk when not necessary. It will be visibly evident in any video recording that any person attempting to replicate my mom will not replicate her walk. She has a XXXX XXXX XXXX. The person they are saying that came into the bank and impersonating my mom initiated over {$25000.00} in withdrawals over a three day span amongst numerous accounts. My mom is elderly and is going to XXXX  from the XXXX  of this victimization. My bank has said there is nothing they can do for recovering any of the funds. This is straight up XXXX.
Consumer complaint received 2022-11-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC (FL)

On XX/XX/XXXX, {$2500.00} was fraudulently transferred from my son 's XXXX Bank Account to my wife 's XXXX Bank account - and then XXXX amounts totaling {$1000.00} were fraudulently transferred by Zelle to XXXX XXXX ( XXXX ) XXXX with payment ID XXXX and XXXX. I immediately contacted XXXX bank that day to dispute the charges. I was told that I could not dispute them until they posted to the account - and to call back once they posted. They came out of pending status and I contacted XXXX Bank again and filed the dispute. The claim number is XXXX. 

On XX/XX/XXXX, I was told by a member of the Dispute Team, named XXXX, that my fraudulent charge claim was denied because they show that I replied to a text about the charges with an authentication code. According to XXXX, this charge would not have been allowed to go through unless I responded to the text message with the authentication code. According to XXXX, this code was sent to my phone number ending in XXXX and was responded to at XXXX. I maintain that I received no such code and that the transaction was never authorized. I can provide proof of this through my test message listing through XXXX and screen shots from my phone.
Consumer complaint received 2019-12-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (FL)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Consumer complaint received 2019-12-10
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: WELLS FARGO & COMPANY (NY)

I sent a certified letter on XXXX XXXX asking " WF PLL '' to provide ve rification about an inquiry showing up on my XXXX Credit report dated as XXXX / XXXX / XXXX. The company doesn't list a phone number on the report, but instead lists " By Mail Only '' so I assumed the address they are using is up to date and accurate as it is being reported on my credit report. Instead, I got an " Alert '' message from the XXXX tracking system sta ting " Your time was returned to the sender on XXXX XXXX XXXX at XXXX XXXX in XXXX, NM XXXX because the addressee was not known at the delivery address noted on the package. '' If the information being reported is inaccurate it is illegal for it to be reported. Please see that this company complies with the FCRA and either updates it's information that is being reported to the credit agencies or remove the information all together if they can't provide accurate information. I had about 3 of my accounts closed by other lenders because of the Wells Fargo accounts reporting incorrectly.
Consumer complaint received 2019-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

My XXXX account is being reported late 6 times for XXXX per each loan I was under the impression that I was paying one loan but it's split into three so one payment = 3 or one missed payment would be three missed on my credit,. 

My account is being reported wrong by all credit bureaus because I was in forbearance at the time that these late payments have been reported Section 623 ( a ) ( 2 ) States : If at any time a person who regularly and in the ordinary course of business furnishes information to one or more CRAs determines that the information provided is not complete or accurate, the furnisher must promptly provide complete and accurate information to the CRA. In addition, the furnisher must notify all CRAs that received the information of any corrections, and must thereafter report only the complete and accurate information. 

In this case, I was in forbearance during that tie and document attached proves this. By law, credit need to be reported as of this time with all information and documentation
Consumer complaint received 2024-06-11
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (MO)

On or about XX/XX/year> my HELOC Banker contacted Citi Master Card for a TOTAL PAY OFF OF THE CARD. 

THE C/S Representative told her approx. {$17000.00}. 

This was the total amount of the HELOC check mailed to citi Master card. 

I received a billing that did not show a XXXX  ( {$0.00} ) balance but approx. {$290.00} ( residual interest ) NOT DISCLOSED or EVER appearing on ANY monthly statement. Requesting a supervisor just resulted in a VERY " hard headed '', no flexibility on their part REGARDLESS of not being informed of the " residual interest ". 

To add insult to injury, citi XXXX has treated the " residual interest " as a " purchase balance '' to add on XXXX  % interest - even after receiving the {$17000.00} for the provided balance. Thus, adding {$130.00}, in additional interest. 

New bill balance is {$430.00}. '' ============= I, in turn, tried to resolve over the phone with a C/S Representative ( XXXX XXXX XXXX XXXXXXXX ) I requested an internal " complaint / issue '' letter be submitted on my behalf. Last week I received a DENIAL letter saying I don't meet their criteria, thus NO assistance would be considered or provided.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

FOR CFPB I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2022-10-02
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. (CA)

the XXXX XXXX account # XXXX XXX just reporting on my credit report has an inaccuracies that makes this report invalid!! date last active XXXX XX/XX/XXXX Experian XXXX XXXX and XXXX XXXX XXXX PLEASE DELETE THIS INVALID DEROGATORY ACCOUNT THAT IS HURTING MY CREDIT SCORE IMMEDIATELY!!
Consumer complaint received 2023-03-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CLGF Holdco 1, LLC (LA)

I received correspondence in the mail from Milestone credit card from Genisis FS Card Services. They offered what I belived were favorable terms for someone trying to rebuild thier credit history. The annual fee was only supposed to be {$39.00} with the option of getting a credit limit increase after 6 months of on time minimum payments. However after nearly a year of ontime payments and no late or missed payments to them they began charging me an annual fee of {$49.00}. I called about the discrepency and was told there was nothing they could do. I also inquired about the credit limit increase I was due, only to be told that customers would have to pay at least {$100.00} a month to even be considered for a limit increase. This was not dislosed when I signed up for this card. I would not have signed up if these were the terms. This seems to be a classic bait and switch scenario and maybe I can help someone else before they fall for this scheme. Thanks.
Consumer complaint received 2019-12-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (FL)

Radius Global Solutions LLC has placed a collection reporting to XXXX stating that I owe a balance of {$980.00}. This collection report is incorrect about this debt belonging to me. This incorrect information is placed on my credit report and is affecting my credit report and score.
Consumer complaint received 2019-07-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (WA)

On XX/XX/2019 I made a payment in the amount of {$31000.00} into an account called XXXX XXXX XXXX, XXXX, who banks with Wells Fargo. The account/routing numbers : Acct : XXXX ; Routing : XXXX - Bank Address : XXXX XXXX, XXXX, TX XXXX : Beneficiary address : XXXX XXXX XXXX XXXX, XXXX, TX XXXX, From my bank, XXXX XXXXXXXX XXXX. I have an email from my bank saying that the transfer was successful, however, the receiver said they never received the money. I called Wells Fargo, and of course they wouldn't talk to me. I called my bank, they sent Wells Fargo an electronic bank to bank message requesting them to please verify that the funds were received. After I believe 2 messages, I called my bank and requested that they start the process of having Wells Fargo of return the {$31000.00}. Every three ( 3 )  days XXXX XXXX XXXX sends a message, and every time I call, they have received nothing back from the bank. Wells Fargo already got into trouble creating accounts in the names of their customers, without their knowledge, and here they are playing some game again! Since they can not verify that they received the money, I want my {$31000.00} back. I am not waiting for them to finally decide to respond. I want them to return my {$31000.00}! This has been going on since at least the XXXX of XXXX. It's going on two months. 
Thank you, XXXX XXXX
Consumer complaint received 2019-07-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BBVA FINANCIAL CORPORATION (AL)

Compass Bank offers 2nd chance checking everywhere!!! When I tried to open an account. I deposited {$500.00} in a checking & {$500.00} in a savings. They approved me, then turned around and denied me!!! They reimbursed my {$1000.00}. But it took them some time. I cant open a checking account!! I am working with XXXX firm to straighten out my credit. I have 2 credit cards, and cant open a checking acct. to set up bank pay with my cc companies!
Consumer complaint received 2024-06-03
Product: Credit 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: U.S. BANCORP (IN)

I initiated a balance transfer with XXXXXX/XX/XXXX XXXX  in the amount of {$6000.00} to pay a US Bank account on XX/XX/XXXX. After entering all my info for the transfer everything seemed typical. On XXXX I saw on XXXXXXXX XXXX that a transfer had been initiated to US Bank and all still seemed fine. However when that transfer had not posted to my US Bank Credit Card by XX/XX/XXXX, I grew concerned so I called US Bank and was told there was no transfer in process and they recommended I call XXXX. I then immediately called XXXX XXXX  and explained that a transfer for {$6000.00} was posted to my XXXX account but the US Bank has no record of it. That's when I learned the wrong account number had been paid. The account was still with US Bank or so I was told but was a completely different account number from my own. During that conversation the representative said it looked like a possible banking error and the situation had been elevated. After not hearing anything back I called XXXXXXXX XXXX  again on XX/XX/XXXX to get an update. They said then that I would need to wait XXXX business days while the process was handled. I figured they would fix the problem and the transaction would get reversed during that time, it did not. I then called again on XX/XX/XXXX to get updated on the process as the XXXX business days had lapsed. I was then told the situation had been elevated to a team with no internal line and that the process would take up to XXXX  days from my initial call on XX/XX/XXXX to be resolved. Those XXXX days lapsed on XX/XX/XXXX and I have still yet to have the situation corrected or be communicated with by XXXXXXXX XXXX I have records I whom I spoke with on my XXXX call on XX/XX/XXXX but not the previous calls. 

This is a copy of my complaint made against XXXX XXXX there response was to essentially blame US Bank. I will attach supporting documentation.
Consumer complaint received 2023-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (MD)

I did not authorize anyone employed by these companies to make any inquiry and/or view my credit report. Please validate this information with these companies and provide me with copies o f any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number .While checking my most recent credit report, I noticed credit inquiries that I did not authorize, credit check made by the following companies : XXXXXXXX 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report .

The following inquiry is more than two years old and I would like it removed XXXX XXXX  XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-12-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP (CA)

In XX/XX/2019 A payment was processed but it did not go through, I tried to resolve with company but it did not pan out. The payment was reported as missed, but the payment was processed it just did not get to the credit card company and I was not aware.
Consumer complaint received 2022-12-22
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: Experian Information Solutions Inc. (CA)

This is my multiple request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX