davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-26
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 have been a victim of identity theft and someone stole my information to get credit. My credit is taking huge hit because of this I need professional help to get it back to what it was. I am asking for your help so you can investigate and see it was not me and get the credit bureaus to help as well.
Consumer complaint received 2020-04-04
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: AMERICAN EXPRESS COMPANY (AZ)

I bought an American Express card prepaid card loaded with {$500.00} to get home to XXXX  I was trying to set up the serve.com account online on my phone when I realized {$300.00} was not there it said I had a XXXX balance and then they started saying I had {$200.00} there I believe it's XXXX XXXX XXXX because he's mad at me for selling the house that I had to sell he was not allowed there due to an XXXX XXXX  she has against me and a XXXX XXXX
Consumer complaint received 2022-12-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

On XX/XX/XXXX my checking account at Citizens Finacial Group in XXXX Ma was over drawn due to an automatic bill pay that I had set up to pay my XXXX XXXX XXXX via ACH by the XXXX of the month. On XX/XX/XXXX. I transferred money from my home equity line of credit to my checking account at citizens financial group to cover the overdraft but the original payment was automatically reversed by the ACH system managed by XXXX. I then set up a new bill pay to pay the bill which was scheduled to go out on XXXX. I login in to my mobile app on XX/XX/XXXX and saw two outgoing payments four the same amount. I called the Citizens bank and spent an hour on the phone with a rep who explained that the fiserv system will automatically retry to send the payment three times and it will cause an overdraft three times and there is nothing that they can do to stop it. On XX/XX/XXXX, I noticed that my account was still overdrawn and the second reversal of the transaction had not occurred. I called the citizens financial group today XX/XX/XXXX and have been on the phone for two hours. During this time I have been lied to, and misled and transferred and kept on hold only to ultimately have my call been rerouted back to the original main customer service queue. And I have been told that the line is recorded and that my original problem as well as my subsequent complaint was being logged so that the tech group would investigate what happened to. But when I called back and demanded to speak to a supervisor, she admitted that none of the four prior reps had logged the problem. She opened up a complaint ( complaint # XXXX ) and gave me a number to call back to track the complaint ( XXXX ). I was then transferred to the escalation department and spoke to the tech support manager ( XXXX ). Who said there is nothing that can be done and that I can not call XXXX directly to follow up. The other XXXX reps had told me that they couldnt call XXXX but that I could. I need help to get this problem resolved but I also need to formally file a complaint about the fraudulent And internal misinformation that I have been given by the bank representatives about how mobile pay and bill pay works at the bank.
Consumer complaint received 2021-01-14
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: CL Holdings LLC (GA)

On XX/XX/2020 Jefferson Capital Systems add a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred or sold and I am no longer responsible for the account. Debtors creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt, and anybody can send a bill and say it belongs to me. According to the FCRA, Jefferson Capital Systems has violated my rights as a consumer and Im requesting legal action to remove this account immediately.
Consumer complaint received 2020-03-26
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. (FL)

I have been a victim of identity theft and someone stole my information to get credit. My credit is taking huge hit because of this I need professional help to get it back to what it was. I am asking for your help so you can investigate and see it was not me and get the credit bureaus to help as well.
Consumer complaint received 2020-03-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BARCLAYS BANK DELAWARE (CA)

I am writing to request your help with Barclays. I dont know what else to do. So I hope to have a fair solution to this issue that this bank has cause on my credit score. I tried to solve this with them on XX/XX/XXXX but they did not respond my dispute, and they did not even investigate the account or mark the account as disputer ( violation under the Fair Credit Reporting Act ). 

The account I am writing about is the following : FTC REPORT NUMBER : XXXX. 
Account : XXXX Date opened : XX/XX/XXXX. Status Closed.  {$0.00} balance. 

I am demanding BARCLAYS BANK DELAWARE to remove this related to fraud item or I will need to take this issue to court. 
This is causing me economic and psychological issues. Please send to Barclays the attached documents. Thank you so much!
Consumer complaint received 2020-03-26
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: CAPITAL ONE FINANCIAL CORPORATION (PA)

I was looking at my credit report on XX/XX/XXXX where I had noticed inaccurate Information. They are saying a capital one I had made a hard pull with on XX/XX/XXXX. This Is totally Inaccurate and fraud. I never signed anything and this was never authorized by me. I do have an account with capital one but this situation is fraud.
Consumer complaint received 2020-04-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY (CA)

- XX/XX/2020 - American Express reduced credit limit by {$7500.00} without valid justification and advance notification. 
- I spoke to XXXX XXXX ( Rep # : XXXX ), and he stated that reason for credit limit reduction was due to increase in installment/revolving balance which is not true based on credit report provided by American Express, but rather reduction in balance of both installment/revolving accts is shown. Then, XXXX XXXX ( Rep # : XXXX ) changed his position stating that decision was made due to balance on American Express Account increased, yet 40 % available credit remains. I stated I took advantage of promotional rate at 0 % which American Express offered, reason for not paying down any significant amount towards balance, also always maintained good standing with account. American Express failed to access over all credit of card member, but decided to just looking at American Express account, not a proper way to assess someone's credit worthiness. 
- The CFPB and other financial regulators have encouraged financial institutions to help and work with their customers to meet their needs around COVID19 urgent situation, but American Express 's business practice doesn't reflect the effort, instead of helping, working with card members, American Express chose to create more hardship, knowing it may bring financial uncertainty for many people/card member who could experience a loss of income due to illness or workplace closures. 
- Also spoke to XXXX XXXX ( Supervisor ) ( Rep # : XXXX ), but couldn't provide valid reason, couldn't help. 
- Both XXXX XXXX/XXXX  XXXX lack in knowledge, lack customer handling skills, also failed to deliver fact, proper training is urgently needed. 
- Many of large financial institutions are diligently helping/working with their customers, going through tough time, but American Express chose not to, but rather to create a hardship for their customers with given COVID19 urgent situation.
Consumer complaint received 2019-04-15
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (CA)

I took out a loan with XXXX not knowing the interest being charged on the loan. I took out a loan for {$3000.00}, i have made 9 payments of {$390.00}, a total of {$3500.00}, the principle plus interest of {$510.00}!! Annual interest rate of $ 15.015 % a total of 24 pymts and will have paid {$6300.00} more than double the loan. I was not aware of this when I signed the loan. I feel I have paid the loan plus suffice interest and they should not be allowed to charge the interest they do and animadverting.
Consumer complaint received 2020-03-25
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: Experian Information Solutions Inc. (AR)

I've made the attempt to removed a fraudulent student loan account on my credit profile with Experian multiple times but it seems as though they are the only bureau that's not following the guidelines under the FCRA. I asked that this consumer be blocked and not have access to my credit profile as well as removing this account from my credit report indefinitely. I've requested investigation results regarding this matter as well as the means in which they conducted the investigation and who they were in contact with because its been past 90 days and still no clue as to what went on or a proper answer to my disputes about the fraudulent account. They have not by any means follow the guidelines under the FCRA not one single time. They have been abusing their power and haven't made contact with this fraudulent consumer on my behalf and they have no proof to show that they actually investigated because if so I would have received documentation. So, I would just appreciate if this matter can get resolved and removed from my credit report.
Consumer complaint received 2020-03-25
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)

Someone seems to be using my personal information and this is identity fraud. I have several accounts on my credit that I never have had or used. They go by XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  and XXXX XXXX XXXX. I have never done business with these companies. Please help me.
Consumer complaint received 2020-03-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (NY)

I have a federal student loan and there is supposed to be a zero percent interest rate effective XX/XX/XXXX. However, my monthly payment on their website is still reflecting an interest rate factored into the principal. I have been holding off on making the full monthly payment waiting on Navient to reflect the correct amount. I am relying on this zero percent interest because my income went down due to COVID-19. The lack of their compliance with the new federal regulation will set me up for default.
Consumer complaint received 2020-04-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: FIFTH THIRD FINANCIAL CORPORATION (CA)

I have an auto loan with 5/3 bank. They allow you too reschedule payments, which I do out for one year. Five times they have canceled my online payment without notifying me then assessed me late fees. When confronted about this practice they tried to blame my credit union, then admitted it was them who canceled it with no reason why. Can you please look into the Bank to see if this is a regular practice that they use to assess fees. 

Bank : 5/3
Consumer complaint received 2020-04-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: M&T BANK CORPORATION (NY)

I received a letter dated XX/XX/XXXX from M & T Bank advising me that they were closing my checking account as of XX/XX/XXXX. The letter said not to call them because they would not give any further information. I did call on XX/XX/XXXX when I received the letter without giving my name just to ask in general what reasons might be for the bank closing an account and the clerk would give me no information whatsoever. I have had a relationship with this bank for at least 25 years and have never bounced a check. My husband and I direct deposit our paychecks into this account and have since the day we opened the account. I checked my credit report and there was a soft inquiry from them on XX/XX/XXXX. I have no idea why they checked my credit and would like to know why. However, there is nothing on my credit report that would negatively impact me having a checking account. All of my debt is current and with the exception of a 30 day past due from my XXXX XXXX credit card for an amount of {$32.00} in XXXX, XXXX, there has never been even one late payment on any of my accounts. I would like to know if there is something on my record that is incorrect or fraudulent so I could take care of it. This also will cause a huge problem with my Stimulus check from the Treasury Dept. This account is my bank account for my direct deposits to the IRS. If they are bounced back, I will never get them.
Consumer complaint received 2020-03-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (OH)

I was given a charge card by XXXX Visa Comenity Bank in XX/XX/XXXX. 

My payments were always on time. 

I had a credit limit of {$2500.00}. My balance was {$95.00} when I received a letter from Comenity dated XX/XX/XXXX saying that I was able to use my card until XX/XX/XXXX and at that time my card would be closed. The letter stated that other accounts including my own would close on XX/XX/XXXX. 

I only had my credit card for approximately six months when Comenity closed my account. 

I feel that Comenity was unjustified in closing my credit card. I feel I should not have been charged the high interest rate from 19.24 % to 18.49 % once the card was closed.

Had I have known that Comenity would have only allowed me to use my card for six months I would have gone with another credit card company.

The hard inquiry when I filled the Comenity credit card application resulted in a negative affect on my credit score. In addition, my credit score was further negatively affected once Comenity closed my account all through no fault of my own. Furthermore, since I had no credit card once Comenity closed my account, I had to apply for another credit card and again this hard inquiry once more affected my credit score.

This action on behalf of Comenity was unfair to consumers.
Consumer complaint received 2019-04-15
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)

Trans Union continues to published XXXX XXXX XXXX XXXX on credit report. I've sent certified letters and continue to place on the credit report.
Consumer complaint received 2024-03-12
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: SYNCHRONY FINANCIAL (NY)

This dispute is about the charge of {$7200.00} from XXXX XXXX XXXX on XX/XX/XXXX. On XX/XX/XXXX, I went to the XXXX office for a consultation. At the Spa, I was diagnosed with XXXX and quoted a XXXX XXXX of {$7200.00} for XXXX XXXX XXXX. I picked the XXXX date of XX/XX/XXXX and paid for the XXXX in advance the day of the consultation using the carecredit card. The cost of {$7200.00} for the service of XXXX XXXX XXXX XXXX scheduled for a XXXX date of Fri XXXX XXXX XXXX can all be seen in the document entitled XXXX agreement. After learning of some deceptions by the provider, I cancelled the scheduled XXXX and asked for a refund. I cancelled the XXXX on XX/XX/XXXX and submitted a dispute on the same day to carecredit when the provider refused to give a refund. The fair credit billing act ( FCBA ) or 15 U.S. Code 1666 - Correction of billing errors defines billing errors as including a reflection on a statement of goods or services not accepted by the obligor or his designee. I did not go in for the XXXX XXXX XXXX As previously stated, I cancelled the XXXX which was planned for XX/XX/XXXX on XX/XX/XXXX so I did not accept the service. Therefor, the payment of {$7200.00} for XXXX XXXX XXXX XXXX as seen on my statement constitutes a billing error. I will not be making any payments whatsoever to finance a XXXX I never had and I do not intend to keep up with dispute claims any longer. Let this serve as notice of my refusal to service this debt which I do not owe. While the provider asserts that I intended to pay for the XXXX in their letter, I did indeed ultimately cancel the XXXX. I.e. I did not accept the service. The onus will be on carecredit and the provider to prove otherwise. In a previous reply to my dispute, carecredit asserts that their records indicate that services were provided to me. In this case that means their records indicate I went for the XXXX and did it. They have provided no evidence to me thus far for why they would make that assertion. 

I have also begun making plans to have my XXXX done with a different provider who does accept medical insurance and is not a scam artist like the folks at XXXX medical and Carecredit seem to be. Im attaching a summary of my recent visit to her where she clearly notes that I still have XXXX called XXXX for female XXXX XXXX in this case. I.e. that I have not undergone the reversal XXXX I was charged for.
Consumer complaint received 2020-03-25
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 believe I have been the victim of identity theft and someone has used my information illegally without my permission or knowledge. Please help me this has really taken a toll on my family and now we can not buy a home because they destroyed my credit.
Consumer complaint received 2020-04-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC (TX)

On XX/XX/XXXX I called for an ambulance from City of XXXX - XXXX ( XXXX-XXXX ). The XXXX-XXXX  sent me an invoice # XXXX in the mail. I sent an email on XX/XX/XXXX advising them to file claim with my insurance company XXXX XXXX XXXX. But they failed to file within 45 days for paper claim ( non-electronic claims ). They ( XXXX-XXXX  ) UNJUSTLY and UNFAIRLY forwarded their invoice for COLLECTION to National Recovery Agency ( NRA ). I sent a letter on XX/XX/XXXX to NRA letting them to know that XXXX-XXXX  was supposed to file the claim with my insurance company but they failed. The NRA put this collection item on my Credit file without listening to me, reviewing the case or  offering any amount for settlement BECAUSE I AM AN XXXX   and XXXX! 
I would greatly appreciate your involvement in this case to ask NRA to remove the collection item IMMEDIATELY and apologize me for this UNJST and UNFAIR practice. 
Thanking you in anticipation.
Consumer complaint received 2020-04-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: AMERICAN EXPRESS COMPANY (NJ)

AMEX Bluebird closed my account and suspended it pursuant to section 22D of their user agreement. I lost XXXX USD for trying to EE Savings bonds through treasurydirect.gov and taking too much money out of my set aside account. All ACH transfers ; no cash loads. Its been a week and a half now and the money 's gone. I want a reimbursement check or ACH transfer back to my XXXX XXXX  account.
Consumer complaint received 2024-04-11
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (IL)

XXXX XXXX XXXX XXXX XXXX My clients pay me large amounts of money to place orders on their behalf. Typically my clients wire the money or give me a check. However one of my clients wanted to use their cards. I noticed in my business bank account on chase there was an area that said " accept card payments ''. It advertised that I could request money and send a link to my client to pay the requestd amount. So I set this up " accept card through my Chase business account so they could do so. 

The client paid the invoice of {$5600.00} through the link provided on the cc payment processor through Chase. A few days went by and I noticed the funds were not in my account and there was no way for me to digitally deposit them. I called Chase and they directed me to the " we pay '' department. They notified me that my account had been closed and the funds were under review and not to be released for at least 120 days. I asked why it was under review and they said they could not provide any information regarding the case. They told me I could appeal it by sending an email and documentation. I sent an appeal email with all documentation needed, invoice, receipts, and communication between my client and I. They denied my appeal and said I would have to wait 120 days to potentially receive the funds. 

This is my business and my income. And not only that, but it is now my client 's money being held. When asking for information, they stated they were not able to provide any information regarding the account. I am extremely frustrated and need a solution.