davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-14
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: Berlin-Wheeler, Inc. (Kansas) (NV)

I don't have any form of contract or agreement to BERLIN WHEELER INC XXXX. I have been sending written letters to BERLIN WHEELER INC about this matter but they are still neglecting my request of getting it removed. Also, I have asked for some copies of any signed agreement between me and BERLIN WHEELER INC but until now, I got nothing. This is a serious matter for me then they should take this complaint seriously.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CT)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2022-08-30
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. (VA)

I called transunion in regards to their accidental deletion of credit inquiries and the inquires being put back. Im understanding that once deleted that they are not able to be put back in my record.
Consumer complaint received 2022-08-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (OK)

On the day of XXXX XXXX, I revived hard Inquiry alert of Wayfair/Citibank on my credit report. I never ever once authorized the company Wayfair/Citibank to check my personal credit information. I did not apply for this credit card EVER. No desire whats so ever to even have an account with this company. I soon realized i was a victim of identity theft for I started seeing I had more and more hard inquiries from different companies that I never even applied for!. Now I immediately called Wayfair to tell them, that the account was not mine and that I never authorized the account in the first place. They closed it and marked it has card lost or stolen they were very neglectful to the fact the the account was opened fraudulently with my personal information!. I wrote a dispute letter on the month of XX/XX/2022, to one of the Three major credit reporting companies reporting inaccurate information about the account Wayfair/Citibank for they are reporting that I still owe a balance even tho the account is closed. These company Wayfair/Citibank has been harassing me about the balance even though it was opened fraudulently with my personal information they are claiming I am fully responsible for the balance on it. I provided my FTC report my local Police report and all my Proof I had about this very stressful matter In the dispute letter I mailed out. Iv calling the company Wayfair/Citibank and I get no help whats so ever they dismiss me all the time.
Consumer complaint received 2022-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

This is a request for credit VALIDATION made pursuant to the about named Title and section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you regarding the following account number. 
The other bureaus have deleted and not been able to verify, why are you not matching this information?
Consumer complaint received 2020-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am victim of identity theft. I placed a fraud alert on my credit XX/XX/2020 that should last a one and requires contacting me via phone before any new lines of credit, accounts, loans or leases are opened. 

XX/XX/2020, I was alerted that a new Account appeared on my credit from " XXXX XXXX XXXX ''. I followed up with the Identity Guard Services I have purchased to get a number for this vendor. 

I spoke on the phone with XXXX, XXXX XXXX customer representative, and they could not explain clearly why they ignored the fraud alert and allowed an account to be opened in the amount of {$2400.00}. They did however, say they would get it to the fraud department and begin the investigation. 

I was also informed that the fraud department would follow up with me with 72 business hours. I requested to be transferred or inquired if there was a number to speak with the fraud department but was informed there was no number to contact and they would contact me.
Consumer complaint received 2022-08-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (WA)

We received a letter dated XX/XX/XXXX stating that the service of our loan with UWM ( United Wholesale Mortgage ) was being transferred to XXXX XXXX  XXXX XXXX XXXX XXXX. Unfortunately, we did not receive this notice until Friday XX/XX/XXXX and the start date for transfer was to be XX/XX/XXXX. This not only did not provide us with the full fifteen ( 15 ) days advance notice before the transfer would go into effect, and it did not allow us time to dispute with UWM the transfer and our concerns regarding the new service agent. Having the full 15 days prior to the transfer date would have been beneficial for us to research this new service agent more fully because we were already aware of the complaint of fraud filed in XXXX of XXXX against XXXX and the stipulated judgement and order for {>= $1,000,000} to borrowers and {$1.00} XXXX to cfpb. We want a reputable loan service company to service our loan. XXXX isn't even accredited with the XXXX  and has an approval rating of 1 out of 5 stars. UWM is at fault for this lack on their part to notify borrowers in a timely manner.
Consumer complaint received 2022-02-24
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (TX)

I went into forbearance in XXXX of 2020 due to XXXX and my job being entirely commission based. I was told when I went into forbearance that my credit would not be negatively impacted. On many recorded phone calls with XXXX I clarified and inquired to make sure that was going to continue to be the case. I have never missed a mortgage payment and I take my credit very seriously. I was told that if I was current on my mortgage payments before I entered forbearance that I would maintain a current status after. I received documents from them to obtain a partial claim in order to get a subordinate XXXX lien to bring the payments current from the forbearance period. These documents expired and they sent me a new set which were promptly returned. I now have 3 months of late payments and foreclosure information reporting to my credit and I have never missed a mortgage payment ever. I need this information removed as I was told over and over by XXXX that I would not be negatively impacted and I have been now after the fact and they have told me they can not fix this.
Consumer complaint received 2022-08-30
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: AMERICAN EXPRESS COMPANY (CA)

The advertised bonus promotional offer for the small business credit card from American Express ( ending in XXXX ) I applied for was for XXXX points after {$15000.00} spend in the first three months of ownership. 

Within a month of my application I paid estimated federal taxes with my new credit card, which came to over {$15000.00} in total, including the fees the tax payment processor charged for processing my payment. I have contacted Amex many times, asking them whether my transactions qualified, and was told that yes, they did. 

The bonus never posted. I have launched multiple tickets, and each took over two months to resolve. In the end, they claim that the credit card payment fees were " excise tax '', and as thus didn't qualify. They were not excise tax at all!! In fact, the transaction description on my statement clearly says " SERVICE FEE ''. And unlike transactions with " excise tax '' merchant code, which automatically do not earn regular non-promotional points, these service fee transactions qualified for regular points when they posted, just like they should have. 

I believe this is just a stalling tactic on behalf of American Express to get me to give up on the dispute. 

I am including my most recent communication with American Express, which mentions the original offer and their stated reasons for refusing to honor their promotion. I am also including the credit card statement from XXXX, with the charges clearly visible.
Consumer complaint received 2020-02-22
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: EQUIFAX, INC. (AR)

Hello, The following account is not mine. Please update or remove from my account. Thank you. 
Bankruptcy : Discharged CH-XXXX  Reference Number XXXX The following Inquiries was not made or authorized by me. Please remove from my credit account. Thank you. 

XXXX XXXX XXXX  XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XXXX XX/XX/2019
Consumer complaint received 2022-08-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A. (IL)

on XXXX at approximately XXXX XXXX  XXXX XXXX reached out to citi bank at XXXX because I tried to send a XXXX transfer of approximately {$710.00} to my landlord to pay rent for the month of XXXX and i kept getting denied access. I was on the call for 1 hour 10 minutes in which i was transferred to 3 different people. The last person that I spoke with stated that he fixed the issue and that I would now be able to log into mobile banking and send the rent funds. I got off of the phone with him and was still denied to access to send money through my account. I was at work so I did not call the bank back at their toll free number until approximately XXXX XXXX  XXXX in which i was on the phone for 52 minutes while they tried to figure out what was wrong with my account. ( there were like 5 different people working on my account and no one could figure out what was wrong. ) The last guy who i spoke with on the second call finally stated that my account has to be closed and another account has to be reopened. I want to make this formal complaint so that I have something in writing if I have to pursue further action with this bank. I am going into the branch when i have time on Saturday XX/XX/XXXX to withdraw all of my funds and close this account. I mainly want to make sure that the funds that I do have in the account are protected even from the customer service reps until I have a chance to go inside of a branch to close this account out. I am a very dissatisfied customer and will not be recommending this bank to anyone in the future. I will also go on to tell my story in the future to stop others from making the mistake of banking with CITI. This bank wasted lots of my time and came up with the worst solution.
Consumer complaint received 2020-02-22
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. (MD)

The report given was made in violation of the FCRA, which requires the accuracy and the authenticity of the debt being mine, the accuracy applies to the ownership of debt as well as its authenticity being derived from my action
Consumer complaint received 2022-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XX/XX/2022 I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to Transunion XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. 
They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. Transunion, XXXX, and XXXX are also in violation of 18 USC 1028A for aggravated Identity Theft for furnishing these alleged public records/XXXX  XXXX Bankruptcy and accounts. 
My credit report is still reporting two XXXX XXXX. accounts, and a US bankruptcy account. Please see attached FTC Identity Theft Report. 
On XX/XX/2022, I sent Transunion, XXXX, and XXXX a follow up letter to request they remove the above accounts and they did not. This has caused me tremendous XXXX, stress, and financial hardship.
Consumer complaint received 2022-02-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (NC)

I have had my XXXX card awhile and did not have any complaints until someone made a fraudulent charge on my card on XX/XX/2021 at the time of XXXX EST, at XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC in the amount of {$640.00}. After realizing the transaction had been made on my statement, I contacted XXXX XXXX fraud department and explained that I did not make the charge. They followed up and said that the charge was made in person using my card. My card was never out of my possession and the charge was made in a pawn shop in a location that I have never been close to, much less inside of the store. They ran an investigation and replied that I would have to prove that I did not make the charge. So under my own expense and time, I was able to show a bank 's video of me and a copy of the transaction I was completing taking place, one hour and 23 minutes before the supposed transaction in the pawn shop took place, which was four hours away, by car, from the bank in XXXX, NC. I supplied all of this information to the fraud department, including pictures and timeframe stamps from the bank, only to receive a letter yesterday stating that my fraud claim has been denied and that I am still responsible for the fraudulent charge, including late fees and charges. I wonder what their process was to determine how the pawn shop was able to use my card that was in my possession.
Consumer complaint received 2022-08-30
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: BMO Bank, N.A. (NY)

I have 2 Diner 's Club XXXX accounts. One is a corporate Diner 's Club XXXX account. The other is a personal Diner 's Club XXXX. Both credit cards are administered by the BMO XXXX XXXX. Over the years, I have almost never used my personal Diner 's Club XXXX. When I checked my credit report a few months ago, I learned that BMO XXXX XXXX had reported to a credit agency that I was delinquent in paying a balance on my personal Diner 's Club XXXX. When I contacted BMO on or about XX/XX/XXXX about the alleged delinquencies, I was told there were 2 charges for XXXX 's on or about XX/XX/XXXX for {$860.00} and {$1500.00}, respectively. I told the BMO representatives that I did not make those charges to my card and they are fraudulent and I requested they remove the charges and all of the penalties and interest that had accrued. I asked them to review the history of transactions on my personal Diner 's Club XXXX and they could see there have been very few transactions because it is a card I have rarely used over the years. I don't believe I charged anything to my personal Diner 's Club XXXX in XXXX. I also informed BMO 's representatives that my address changed slightly ( I changed apartments in the same building ) in XX/XX/XXXX, so I didn't receive any paper statements in the mail about the 2 XXXX 's transactions, and I haven't been able to electronically access to BMO 's website to review the statements. I spoke with BMO representatives in several additional subsequent calls, once in late XX/XX/XXXX, once on XX/XX/XXXX, and several times today on XX/XX/XXXX. BMO has told me that my personal Diner 's Club account was " charged off '' in XXXX, so they can not give me electronic access to my account. BMO also said they can not review the 2 fraudulent transactions because we are outside the 100 days of the transaction, per XXXX. This is untenable. I didn't have notice of the fraudulent transactions, so I was not able to timely dispute them. I asked BMO today to send me a copy of my statement showing the fraudulent transactions and they said they would e-mail it to me tomorrow.
Consumer complaint received 2021-07-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Manhattan Beach Venture, LLC (TX)

My name is XXXX XXXX, and I was an individual that was involved in the student loan scam perpetuated by XXXX XXXX XXXX. I request a copy of all loan documents I procured with the U. S. Department of Education to be emailed to me as soon as possible, and in addition, the necessary forms to complete to apply to my fraud claim against XXXX XXXX XXXX. I was not part of the XXXX case filed by the Consumer Financial Protection Bureau in 2014. However, XXXX used fraudulent means in their actions to get me sign on excessive charges where services were minimal. 

According, I need the following : 1 ) Copies of all loan documents between myself and XXXX XXXX XXXX that were assigned to the U. S. Department of Education. 

XXXX XXXX Any application needed to file my claim for educational loan relief. 

Thank you for your help and cooperation in this matter. 

XXXX XXXX
Consumer complaint received 2022-08-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (VA)

We sold our home in XX/XX/XXXX. Our homeowners insurance did not get closed until XX/XX/XXXX due to miscommunication with XXXX. A proof of sale was sent and our policy was closed and check was sent for the overage. In XXXX of XXXX I received a bill for my policy for the dates XXXX in the amount {$870.00}. 
I have called XXXX multiple times and each time I have been told that this debt is an error and they shouldnt have sent me a bill. On one of the these conversations ( on a recorded line ) a gentleman told me it could have been that our escrow company sent a check to the wrong account ( possibly on our other house ) and if I received any more bills to disregard because they will fix it for me and resolve the issue. Each time I have heard apologies from the company and this has been going on for months. This week, I received a collections notice for this cancelled policy. I called XXXX again today to figure out what is going on and they explained that this debt has nothing to do with our policy ( even though the collections letter clearly states that it does ) and they accidentally sent us a check, written out in our names and just simply needed the money back because it wasnt supposed to be ours. So XXXX sends us a check in our name, we supposedly cashed it and then 5 months later they discovered they messed up so now instead of owning up to their mistake, they decide to link it to our cancelled policy, send it to collections, and continue to have no accountability. This is not my debt to pay. It never was. I responsibly sold my house, closed out my policies. I should not have to pay for another companies error.
Consumer complaint received 2022-08-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (GA)

American Express has violated 15 U.S. Code 1602f by removing my right to credit by closing my account which is an adverse action against me the consumer pursuant to the Fair Credit Reporting Act. ( Exhibit A ) American Express has violated 15 U.S. Code 1666b by claiming payments can be considered late when congress has forbidden that claim and then continued to close my account further violating me. ( Exhibit A ) American Express has violated 15 U.S. Code 1692j by creating deceptive forms to make me believe that I owe a debt that has already been payed by the United States according to House Joint Resolution 192 and pursuant to 18 U.S. Code 8. ( Exhibit A ) American Express has violated 15 U.S. Code 1892b ( 2 ) by trying to collect an alleged debt from me outside of my state. ( Exhibit A )
Consumer complaint received 2022-08-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: SYNCHRONY FINANCIAL (NY)

On XX/XX/XXXX I paid for to reserve a room via XXXX Two days later I received a refund from the host because she cancelled my reservations. 
PayPal received the amount of {$130.00}. My bank account still does not show the funds returned to my account.

These are are " floated '' to maximise profits for Pay Pal. Pay Pal 's that I " must allow 3-5 days from the funds to return to my XXXX checking account.