davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-01
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (CA)

I have an Old Navy Rewards credit card. Recently they moved this card to Barclay 's. I never received the new card nor new statement. I received an email in XXXX, 2022 that I have an outstanding payment on my account but was unable to pay it since I don't have the new card to setup payment online. I called Barclay 's on XX/XX/2022, made a payment over the phone and the agent cancelled the missing credit card and requested a new card to be sent. The late payment fee of {$30.00}, was also reversed, per the agent. 

Then in XXXX, I received a statement that I owe {$64.00} ... all service charge. The agent that I spoke with the first time, didn't reverse the {$30.00} correctly, therefore, resulting in interest charge and additional late fees... now totaling {$64.00}. I once again called and the agent on the phone said, she can see that the first {$30.00} late fee was not reversed which resulted in additional late fees and interest charge. This agent said she will reverse all the late fees and interest charges on the account and at which time, I requested the account to be closed. I was assured the account is closed and all the fees are reversed. There will not be additional charges. 

Then in mid XXXX. I received a letter indicating that my account is closed as of XX/XX/2022 but there is an outstanding balance of {$67.00}. On XX/XX/2022 at XXXX XXXX  pacific time, I called Barclay 's once again and spoke with a XXXX. She reviewed the account, confirmed the account is closed and see that there is an outstanding balance because the fee reversals which was supposed to occur previous months didn't take place and additional service fees and late charges continues to be added to the account. XXXX has once again reversed all the lates fees and service charges and has assured me that the account is at a " XXXX '' balance. 

I won't be surprised if I see another statement in XXXX indicating a higher outstanding balance as more late fees and service charges are being added. I have no confidence that Barclays will take care of this issue, one that began when my account was transferred to Barclay 's and I never received the new card. 

The act of charging late fees on top of fees that was not reversed correctly is absolutely ridiculous. Having a customer call back multiple time to resolve one issue is unacceptable.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.
Consumer complaint received 2015-04-23
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: SYNCHRONY FINANCIAL (MS)

The credit card company with J C Penny ran a credit check without my consent. As a result my credit line was reduced. I pay this company every month with no late fees and on time. I have been a loyal customer with this company for years. I considered this to be an unfair act toward myself. Please help in resolving this matter. Thank You.
Consumer complaint received 2018-05-23
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capital Accounts, LLC (CA)

I have never heard of this company, and they have never contacted me ( by mail, email, or on the phone ). I only found out about this so called debt by looking at my credit report on XXXX   because they sent me a notification that my collections balances went up. I logged in and saw this supposed account ( opened XX/XX/2016 ) that says its for a doctors office ( XXXX XXXX XXXX MD ) that i have used in the past, but the balance was over {$1000.00} more than the only bill i ever got from that Dr. ( current amount is {$1600.00} and the only bill i ever got from the dr was for something around {$250.00} ). I tried disputing it, but was told its a valid debt. They keep adding fees every month but still have never sent me a bill. I am afraid to contact them to find out how they came up with this amount i owe, but i'm afraid i will start to be harassed ( which not contacting me and keeping charging me fees is harassment in my eyes ).
Consumer complaint received 2019-07-26
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (CA)

I do have credit cards. 
I do have credit cards with Comenity bank. 
i recently changed phones/phone carriers which made all my blocked numbers go away. 
Suddenly I am receiving multiple phone calls from this number for a XXXX. 

I am not XXXX. However when I call in they use it as a way to get to me. When I say my name is XXXX, they say ... oh well we have to read you this stuff ... Well how can we know its XXXX XXXX unless we record you and you verify? 

I never said I was XXXX XXXX. 

It was the bait and switch tactic. I am tired of companies doing stuff like this. Its unethical.
Consumer complaint received 2018-06-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCC Business Services, Inc. (NC)

I was a victim of identity theft. Someone proceeded to rent an apartment and cable in my name at XXXX XXXX XXXX. I spoke with the NCC Business Services and all three of the credit bureaus to advise of this problem. I also made a payment to NCC Business Services just so I can have this removed from my credit report. They are still reporting a negative, remaining balance that does not belong to me. I asked for a settlement to at least attempt to have this derogatory remark removed from my credit report but have received no luck. When I tried to dispute with the three credit bureaus, I still had no luck. This derogatory remark is making it very hard to rent a home and affecting my credit report. I would like to have this removed from my credit report immediately. The debt does not belong to me.
Consumer complaint received 2018-05-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XX/XX/2018, a credit inquiry was initiated, but not by me. I contacted XXXX as advised by XXXX XXXX, but XXXX could not provide information regarding the account as they are claiming it was not reported by them. I contacted Transunion and their response was to obtain a statement from XXXX, stating that I did not initiate the request. I received paperwork to submit to XXXX to dispute the inquiry and they denied my request to remove the inquiry ... again because it's somehow not their account but has their name on it. The specific inquiry has something to do with " XXXX XXXX. '' They recommended I contact XXXX XXXX since its supposedly a known issue that had reached resolve, so I did, and XXXX XXXX suggested I contact Transunion. At this point, I'm being ran in circles and receiving no helpful information from any of the entities involved.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2020-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (CA)

In XXXX I contacted US Bank to settle my credit card becuase I was having money problems. And that was my original intent. But I was able to get a better paying job in XXXX and called them to cancel the settlement and start making regular payments again. I was set up on automatic monthly payments. I called more than a dozen times asking that the settlement be cancelled and this not get charged off. In XXXX this was charged off anyway even though I am making regular monthly payments. I called them again to get the charge off removed from my credit report and correct the balance. And they refuse even though I am making regular payments to us bank directly. I have 2 cards with them and the other card had the same issue and that one they corrected. This one they will not fix.
Consumer complaint received 2018-06-27
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)

I went to a XXXX store in XXXX XXXX to ask about some offer they were having, the XXXX person convinced me to check my credit for the product I was interested in, on the promise from her that it would be a soft credit check that wouldn't generate an inquiry. XXXX minutes later I had an alert from Experian that I had an inquiry from XXXX, after being promised that that wouldn't happen.
Consumer complaint received 2022-12-15
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: Affirm Holdings, Inc (TX)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

+ 15 USC 1666B : A creditor may not treat o payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2021-06-10
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: SYNCHRONY FINANCIAL (FL)

the following account was never authorized to report on my credit, and is hurting me, please see below the account on my report Identity Theft XXXX  Account Number : XXXX This is not mine. 
Identity Theft XXXX  Account Number : XXXX This is not mine.
Consumer complaint received 2018-06-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (FL)

I've written a letter to dispute this several times to Experian and Experian has yet to validate this debt from XXXX XXXX XXXX in the amount of {$260.00} from 5 years ago.
Consumer complaint received 2022-10-06
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. (NY)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-04-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (CT)

I noticed 3 unauthorized pin based transactions on my account and contacted Citibank to dispute. The provisional credit was reversed and my claim denied. I was told to write a letter to appeal my claim. The transactions occurred in places where I have not been. I dont use my debit card for purchases and havent in over a year and despite this the bank felt that the transactions were consistent with my normal banking. I have faxed the letter every week for 6 weeks with no response. I have also called numerous times and get bounced around.
Consumer complaint received 2022-10-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is XXXX XXXX complaining about your failure to respond to my request to provide MOV, I sent it on XX/XX/2022 and it has been already over 30 days but I still haven't received any response from you. This matter to me and I am prepared to take legal action if that's what it takes for you to take this matter seriously.
Consumer complaint received 2018-06-27
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. (MD)

I HAVE SEND ABOUT 4 TO 5 LETTERS TO EXPERIAN CLEARLY ASKING FOR PROOF AND I WAS TOLD BY AGENT XXXX ON OR AROUND XX/XX/2018 WE DON T HAVE ANY PROOF OF THESE ACCOUNT ARE YOURS.. AND WE CANT VERIFIED THEM AT ALL .. 


ON XX/XX/2018 I CALLED XXXX XXXX XXXX ASK FOR PROOF OF THE ACCOUNT THE AGENT XXXX ID # XXXX THIS ACCOUNT IS NOT IN OUR SYSTEM. I ASK THEM DID EXPERIAN CALL HE SAID NO I ASK THEM HAVE THEY HAVE ANY CONTACT WITH EXPERIAN HE SAID NO : XXXX XXXX XXXX NUMBER # XXXX DELETE NOW ./ NO RECORD NO FILE NO INFORMATION 609 PROTECTS ME AGAINST FALSE REPORTING AND I SHOULD POINT OUT HERE THAT THAT'S EXACTLY WHAT THIS IS!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! 


THE XXXX XXXX XXXX ACCT # XXXX I CALLED THIS ON XX/XX/2018 TALK WITH AGENT XXXX ID XXXX I ASK HER DID I HAVE ACCOUNT SHE SAID NO FILE FOUND SECOND QUESTION ASK DID EXPERIAN CALLED OR EMAIL SHE SAID NO ... 
UNVERIFIED INFORMATION NEEDS TO BE DELETE NOW FIX CREDIT SCORE BACK TO XXXX THANKS GOOD DAY THIS LETTER WILL BE SEND TO THE ( FEDERAL TRADE COMMISSION ) THE SUBCOMMITTEE ON BANKING, CREDIT AND INSURANCE, AND THE DEPARTMENT OF BUSINESS AND PROFESSIONAL REGULATIONS ( DIVISION OF CONSUMER COMPLAINTS. )
Consumer complaint received 2019-10-14
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I made a payment on XX/XX/XXXX to my XXXX credit card. Payment was accepted with confirmation XXXX. I never received notice that they didnt get the payment. And I never saw it returned to me. Now I have a payment past due when I did make the payment on XX/XX/XXXX. This will affect my credit because they couldnt process the payment correctly because according to the gentleman I spoke with, this happens all the time. What I dont appreciate is the lack of communication that the payment didnt go through when it was accepted in the first place and then just brushed off with it happens all the time. This affects their customers credit when they cant even process payments for whatever reason they have. I dont like the answer I was given and I want them to remove the past due amount.
Consumer complaint received 2021-06-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: TRUIST FINANCIAL CORPORATION (FL)

STOPED MAKING PAYMENTS DO TO COVID RELIEF AND AFTER CALLING AND GETTING AN OK FROM SUNTRUST ( MORTGAGE HOLDER ), I WAS ASSURED BY THE BANK THAT AT THE TIME THAT I WAS ABLE TO START MAKING PAYMENTS ALL PAYMENTS HOLD THROUGH COVID RELIEF WOULD BE MOVED TO THE BACKEND OF MY MORTGAGE, OBVIOUSLY THAT WAS A GREAT HELP AND REALLY HELPED ME THROUGH THIS TOUGH TIMES, BUT NOW WHEN READY TO START MAKING PAYMENTS IM BEING TOLD THAT I HAVE TO APPLY TO " SEE '' IF I QUALIFY AND GETTING HIT A QUESTIONARE THAT LOOKS SUSPICIOUSLY LIKE I WAS APPLYING TO SAVE MY HOME FROM GOING IN FORECLOSURE, AT NO POINT I WAS TOLD THAT THERE WAS AN APPROVAL NEEDED, I WAS UNDER THE UNDERSTANDING THAT THIS WAS A 100 % GUARANTEE AS SOON AS I WAS READY TO BEGIN MAKING MY REGULAR PAYMENTS. 


SUN TRUST MORTGAGE XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX
Consumer complaint received 2019-10-14
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: Experian Information Solutions Inc. (NV)

i have submitted a fraud identity report from the police department as well as a FTC Idenity theft report I also uploaded documents via CFPB portal to all 3 credit bureaus advising that these 3 medical accounts are not mine I submitted my health insurance card and also my HSA visa card with over 2800.00 for medical expense I have been insured for over 6 years with the same health provider. these are not my medical accounts and I want these items removed ASAP if you r bureau has already removed please disregard. please review recent documents submitted by the CFPB in refrence to these accounts XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-10-14
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: BARCLAYS BANK DELAWARE (CA)

Barclay 's Arrival Plus had a promotion of a sign-up bonus for XXXX miles if you spend at least {$5000.00} within the first 90 days after opening. On XX/XX/2019 I was approved. I had until XX/XX/2019 to spend {$5000.00}. 

Twice before the due date I called Barclay 's customer service confirming the date and the amount I have left to spend. Both customer representatives also referred me to check my account online on a tool called " Spend Analyzer '' to determine how much I spent up to that point. This tool is inaccurate. It includes credit card fees that aren't counted toward to {$5000.00} requirement, but I wasn't informed that nor were the customer service representatives aware. 

After my 90 days passed, I fully expected to receive my bonus. I called customer service and they said I didn't meet the requirement. I thought this was a miscalculation on their part because I downloaded my statement and it showed I was over the {$5000.00} and matched the Spend Analyzer. I opened a case so they can review if I spent enough. It wasn't until later that if I removed the fees, my calculation matched the customer rep. But the company never contacted me back after they closed my case. 

I called again and spoke to a customer service manager. This time reporting that their tool was misleading and that I would absolutely have spent the $ XXXX I was short to earn {$700.00} in rewards if I had known the true calculation. Who wouldn't spend {$15.00} more if it meant {$700.00} back? They opened a new case. I was still not rewarded the bonus nor did they contact me back.
Consumer complaint received 2019-10-14
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: Select Management Resources, LLC (TX)

Lonestar title loans keeps harrasing us and calling our references and harrasing them after I have told them multiple times we are not able to pay back the loan due to loss of employment. I've advised them on XX/XX/2019 at XXXX for the 20th time they can come get the car and where it is located and they stated they don't want the car and they are gon na continue to call and harrasing until we pay and that the calls will not stop to us or the refs.
Consumer complaint received 2019-07-26
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CITIBANK, N.A. (CA)

Myself and my neighbors are constantly harassed by Macy 's debt collectors a few times a week. He is banging on my door like a crazy person. He has banged on my door awaking everybody at XXXX on a Saturday. I initially told him that he had the wrong person and closed the door, but he continue to harassed me as well as my neighbors. He is entering the property illegally by tailgating other tenants on to private property. The complex has posted sign prohibiting this type entry into this complex. He has also impersonated to be someone else to gain entry.
Consumer complaint received 2015-03-25
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Admin Recovery, LLC (CA)

A XXXX XXXX called and left a message stating that he was with my bank and that there was a payment that was rejected which reached breach of contract of which he never said what the amount was or what the contract was about. He then attempted to call my place of business several times in which I told my operator that it is illegal for creditor, whether I owe or not, to contact me at my place of business. I then received a text from a friend stating that someone called and left her a message which it was the same XXXX XXXX but told her something completely different and that i put her as a reference on an application and that he needed to get a hold of me.
Consumer complaint received 2019-07-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BB&T CORPORATION (TN)

XX/XX/2019 notified my BB & T branch in person i was traveling and would be leaving a post dated check for my house sitter. Check dated Monday XX/XX/XXXX. 
Check was presented and cashed on XX/XX/XXXX, causing an over draft. The bank charged me XXXX $ for this and i have been trying to resolve this since XX/XX/XXXX. I called XX/XX/XXXX and the rep said they would send a request to have it refunded. i called back a week later and the rep transferred me, that rep hung up on me transferring me back to a customer service line. i called again a few days later and spoke to a supervisor who told me they would review these calls and get back with me. they did not, i called two more times and again this past week. each time all i get is " we'll review it and call you back '' no one has called me back, i reached out to the office of the President, logged a complaint there as well, and still no call back. I will be leaving BB & T if i can not get the fee refunded.