davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (LA)

n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (LA)

n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-08-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Glacier Bancorp Inc. (MT)

First Security Bank/Glacier Bank Loan Mortgaging Service/XXXX XXXX XXXX After we purchased our first home we have had many problems with our mortgage. The first came in 2021 when we received notice that our property taxes were delinquent. We contacted the bank and they came back to us saying they had miscalculated our mortgage payment and lowered it from {$1700.00} to {$1500.00}. They also let us know they would be issuing a refund check from our escrow. We also later found out that the reason why it had not been paid in the first place was because XXXX XXXX XXXX had the wrong parcel number on our loan. Again in 2021 we received another letter stating our taxes were delinquent and a lien was to be placed on our home if not paid. After contacting the bank we received a call that " they weren't sure why it wasn't paid, but someone was hand delivering the check that day. '' This month we received a statement that our mortgage payment was going up from {$1500.00} to {$2200.00}. It said our escrow account was almost {$5000.00} in deficit and they were going to take those payments over a 12 month period. Upon contacting the bank they said that seemed unusually high and would look into it. They ended up finding an error, but did not say what it was. Our payment is now down to {$1900.00}. They said we never paid for the taxes on our home just the property. We have looked into this and according the the county treasurer and department of revenue all our taxes have been paid and are up to date. If we owe taxes on the house, it seems like this would've came up much sooner than a month before we are supposed to pay this new amount. It feels like someone at the bank made a mistake and we are now paying for that to cover them.
Consumer complaint received 2022-08-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

An account was opened in my name with Bank of America on XX/XX/2022. I did not sign up for this account and the emails began to arrive in my XXXX mailbox around XXXX XXXX.
Consumer complaint received 2019-01-16
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WV)

I had a debt collector call my boyfriend and give him information about my account. When I called them and asked why they said that he told them that he was me. I am female he is made. This debt is over 14 years old
Consumer complaint received 2019-01-16
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. (UT)

I have submitted numerous complaints about my accounts being inaccurate but they tell me they received accurate information that I'm responsible for these accounts but didn't furnish me with any documentation I'm responsible. I'm requesting all three bureaus show me proof of ownership to these accounts. Disputed these accounts last year of 2018. These accounts are, XXXX XXXX account # XXXX  Experian & XXXX # XXXX XXXX   XXXX XXXX account # XXXX  XXXX & Experian & XXXX
Consumer complaint received 2018-07-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

At approximately XXXX SAST time I received an email from PayPal stating the following : " We recently noticed an issue with your account. 
... 
Because of this issue, your account has been permanently limited. We understand this may be frustrating and inconvenient but you'll still be able to see your transaction history for a limited time. '' As I have not had any recent sales in my account I suspected my account must have been limited in error. Funds coming into my account were for my salary from XXXX XXXX and were not sales. 

I reached out to PayPal support ( the correct department ) on 3 occasions on the XX/XX/2018. I was told they are not able to provide me a reason for my account closure and I could not appeal. I was also instructed that my monies ( salary ) in the account ( approximately {$1.00} XXXX USD ) would also be held for 180 days and my PayPal account would not be able to ever be used for any transactions going forward. 

I asked on all three occasions I spoke to PayPal representatives what I could do to appeal or help the process of getting my account reinstated, and I am still willing to send any documentation that may be required. 

I believe it to be very unfair to shut an account with no prior warning, with a reason for closure supplied that is false ( PayPal stating closure is due to sales ) and to withhold my salary - and also not allow any future salary to be paid to me through the platform. 

The account in question is over 10 years old and has never had any fraudulent transactions or sales to date.
Consumer complaint received 2018-12-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2017 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Consumer complaint received 2019-01-16
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: BARCLAYS BANK DELAWARE (NY)

Credit card name : The XXXX XXXX XXXX XXXX : Barclays Card type : Mastercard Advertised benefit 1 : 6X points per {$1.00} spent on XXXX  purchases Advertised benefit 2 : Receive a 50 % savings on eligible inflight purchases Card advertisement link : XXXX XXXX XXXX Unreceived benefits : On multiple occasions, inflight food/beverage purchases on XXXX  flights ( i.e. " eligible inflight purchases '' ) have been coded as " XXXX XXXX XXXX XXXX '' instead of " XXXX XXXX XXXX XXXX '' ). These " XXXX XXXX XXXX XXXX '' purchases receive only 1x points, which contradicts advertised benefit 1, and *do not* receive 50 % savings, which contradicts advertised benefit 2.

1st complaint to Barclay customer service XX/XX/XXXX ( picture attached ) summary : I complained about above issue. Barclay response : the 50 % discount can take 4-6 weeks to post.

2nd complaint to Barclay customer service XX/XX/XXXX ( picture attached ) summary : I say it has been >4-6 weeks now, and still no 50 % discount or 6x points. Barclay response : they will add the 50 % discount, but can not give me the 6x points.

3rd complaint to Barclay customer service XX/XX/XXXX ( picture attached ) summary : I complain about the above response from Barclays, saying they owe me the points as well, and I'm unhappy about the difficulty of this process. Barclay response : they will add the points.

4th complaint to Barclay customer service XX/XX/XXXX ( picture attached ) summary : the above issue has happened again, and I submit another complaint. Barclay response : TBD In summary, I am very unhappy with how Barclays has 1 ) failed to remedy this issue after I initially brought it up, and 2 ) initially did not offer to even provide the advertised benefits when I brought the issue to their attention.
Consumer complaint received 2018-05-23
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. (AZ)

XXXX XXXX PURCHASE INTEREST FREE for 12 months XX/XX/XXXX, Mattress OWE, {$1000.00}, XXXX {$2000.00}. XXXX, Bedroom Set .OWE {$2500.00}, XXXX {$5100.00} XXXX Dining Room Set Owe, {$1300.00}, XXXX {$2600.00} Total I owe is {$5000.00} XXXX shows {$9700.00} The high balance on Credit Report is preventing me from getting home equity loan to pay the XXXX   loan off before interest in accrued. The correct amount needs to be reported correctly by XXXX to all three Credit Reporting Agencies. Transunion,  XXXX and XXXX. The Correct Amount owed : {$5000.00} Not owed {$9700.00}
Consumer complaint received 2023-03-09
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)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information or accounts which do not belong to me. Please block these erroneous accounts : XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$6400.00} If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the accounts are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2018-07-09
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Computer Credit, Inc. (NH)

In response to an ad for a free initial evaluation and XXXX, I went to XXXX XXXX on or about XX/XX/17. I received the initial evaluation and XXXX were taken. At several times during my visit, I asked to confirm that what they were doing was free of charge and was told every time that the initial evaluation and XXXX were free. I was then given an estimate for dental work needed. Since I could not get financing for {$7500.00}, no further appointments were scheduled. 
When I received an invoice from XXXX XXXX, I responded with a dispute letter and explained what I noted above. I received another invoice from XXXX XXXX. I called their office and was told that was my deductible. They did not care that it was advertised as a FREE initial evaluation. I have called, left messages and written letters. I have received no response from XXXX XXXX. 
I then started receiving invoices from Computer Credit Inc. I responded to the first one with a dispute letter stating again that I was told the evaluation was supposed tone FREE. I have since received three more invoices from Computer Credit.
Consumer complaint received 2019-01-16
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC. (UT)

This collection company stated I owe {$110.00} dollars which I know that don't owe. Called this company an asked to show proof that I owe this debt. This was reported XX/XX/2017. I request that this company show proof I owe this debt.
Consumer complaint received 2018-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I have never lived in this place, XXXX XXXX XXXX has harrased me for several years now regarding this, saying I owed them over $ 4K, this is FALSE. The last time I lived in an apartment was back in XX/XX/XXXX and XX/XX/XXXX-XX/XX/XXXX in XXXX CA and XXXX XXXX - XXXX XXXX CA. This is what the background check claim I lived in. 

Name : XXXX XXXX XXXX / Name : XXXX XXXX XXXX Date of Birth : XXXX Address : XXXX XXXX XXXX City : XXXX State : CA Zip : XXXX County : XXXX Phone : 0 Duration : from XX/XX/XXXX through XX/XX/XXXX They totally missed that I owned a home in XXXX CA XXXX then! Please help me CLEAR this mess up.
Consumer complaint received 2018-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: CITIBANK, N.A. (CA)

I have a credit card with Citi Bank. I called them in XXXX of 2017 and made a payment for {$450.00}. After processing the payment and the telephone clerk stating the payment was processed I told them I had to make another call and promptly ended the call. The clerk input my zip code incorrectly after telling me the payment was processed, and the payment never went through. They never called me to notify me, nor sent anything in the mail to inform me of the issue. They did tell me on the phone call my payment was processed. If I would have known it didnt process I would have made another payment. Because of this they hit me for 60 day late on my credit report. I had made a payment the previous month for {$450.00} to cover XXXX and XXXX but they didnt apply to both months. I over pay on this card every month by more than double what I am supposed to pay. I attempted to make this payment and they made the error. They refused to undo the lates because I said I had to get off of the phone on the conversation. I dont remember the exact date or time of the phone conversation, but I can obtain it if needed.
Consumer complaint received 2022-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (LA)

n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXXXXXX XXXX XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2019-01-15
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: AMERICAN HONDA FINANCE CORP (FL)

This is a follow-up to our initial complaint # XXXX submitted on XX/XX/2018. The response from Honda Financial Services just further proves how corrupt and incompetent that organization is, and someone there needs to go to jail. The matter at hand pertains to a fraudulent {$350.00} that Honda has been trying to extort from us hardworking minorities. This seems to be pure racism by them. Their response to complaint # XXXX is that they charged us {$350.00} because of a turn-in fee. HOGWASH! Under the terms of the contract, the fee is waived if the customer subsequently purchases or leases another Honda. When we returned our XXXX XXXX XXXX to the XXXX XXXX dealership in XXXX, FL, we advised the dealership that we would be purchasing another Honda but that it may be a bit longer than 30 days due to an upcoming move. The Honda representative at the XXXX dealership said that would be fine, and that although 30 days is generally the time parameters they provide, Honda would happily extend that to the end of the year for us. My husband, XXXX XXXX, and I, subsequently purchased a XXXX XXXX XXXX in Connecticut on XX/XX/2018 ( account # XXXX ) and adhered to the end of the year parameter Honda provided to us. For them to now attempt to falsely claim their attempt to extort {$350.00} from us is due to failure to comply with the turn-in parameters when we in fact complied with the very turn-in parameter they told us would be fine by them is ridiculous. Honda Financial is corrupt and this is an act of racism. Shame on them, our society should not tolerate such racist behavior.
Consumer complaint received 2019-01-15
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (KY)

XX/XX/2019, the money was put on my card, via tax refund advance. The same night I used the card for an amount of {$64.00} and some odd cents. The next morning on XX/XX/2019, {$750.00}, {$350.00}, {$1000.00}, and finally {$400.00} was all taken from the card. All of these transactions took place between XXXX and XXXX. I was made aware of these transactions through my email. The email says I sent these four amount s to four different people. So I called the card company at XXXX on XX/XX/2019, they locked the card. The same morning I called card protection services at XXXX XXXX, they cancelled the card, issued a new card, and had me change the security features of my account. They then put in a transaction dispute for each of the four transactions. Today, XX/XX/2019 at XXXX, I got an email from American Express Serve saying that my disputes were declined and the {$2500.00} wasn't going to be credited back to my account.
Consumer complaint received 2018-09-12
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: Experian Information Solutions Inc. (FL)

Experian is reporting XXXX, a collection agency collecting on behalf of XXXX XXXX XXXX. XXXX is reporting a debt over 7 years old and there is XXXX balance that was owed to the apartment community when I moved out. The reason I moved out was due to the apartment being infested with mold. After a reinvestigation, by Experian it was determined the item should be removed from my credit report, due to additional research and the retention time associated with this account. The item HAS NOT been removed and I have been denied a mortgage due to the item still appearing on my credit file. Please immediately remove this item!
Consumer complaint received 2021-07-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (FL)

Since I saw this complaint from XXXX/XXXX  I started sending communications to them soliciting the removal of the adverse information. I request them to provide with original documentation or details about the amount showed as a debit. They never provide with that info.

Later another company appears collecting the same debit for {$560.00}. I did return all of the equipment 's to the cable company. Regardless that fact. cable company still collecting those equipment 's after a couple of years of being returned.

I did contact IC Systems as well, and every time I contacted them, they just said " verified '' and change the dates of account opened to the date I've contacted them.

I have contacted them over 10 times with negative results.

I would like to have an auditing company or someone from upper levels to take this into consideration. I would like to see original documents where shows amounts owed " according to them ''. I feel abused for this company IC Systems and completely ignored in my requests.
Consumer complaint received 2019-01-14
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX and experian have dropped my fios score by 8 points I have never had a late payment, balances have been reduced was 138 now 130, no new inquires, tried to reach all 3 with disputes, all will not answer, hing changed in my credit report, please help
Consumer complaint received 2021-07-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: SOUTHSTATE CORPORATION (SC)

On XXXX the XXXX I cashed in an XXXX check. One of my friends wanted me to cash the check for them. It was an check for XXXX. The last few days I wasnt able to log into the mobile South State app to check my balance. I went today and found out that the check was an fraud and they was going to close the account next week Wednesday. I was told that I had to create a new account even though I didnt know it was a fake check. I also never received the amount of money from the check.
Consumer complaint received 2022-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (LA)

n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2019-01-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (WI)

This was back a while but we never knew about this chance to be heard. Navient/Sallie Mae would not allow me to apply payments above the monthly amount due to higher interest loans and instead applied anything over and above the amount due to the loan with the lowest interest rate. They would not let me decide where my payment was going. On several occasions we had spoken to numerous reps to get information and we would just get the runaround and be passed to the next as if they didn't know what we were talking about. Their whole system was wishy washy and confusing and we know we were not the only ones who were confused from this company. We were extremely angry and it stressed us out. Our money owed would change unexpectedly.This finally stopped but had been going on for 5 years prior to this. 

On another note, Now we have finally paid off two private  loans. So, after doing so, now our Interest Rate went up. Not sure why this is either.
Consumer complaint received 2021-07-15
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: Experian Information Solutions Inc. (NV)

experian is reporting a hard inquiry for XXXX, that is plain as day that its not mine, on XXXX XXXX it make no sense whatsoever why that inquiry would appear unless it was an attempt at fraud.