davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE (NY)

Dear Barclays Bank Delaware Please reinstate my Credit Card and my Line of Credit. The Account was improperly terminated. 

I have repeatedly asked to place this card on auto pay. You have my XXXX  XXXX XXXX account on file and you know my credit history is excellent. I am XXXX years old.

On or about XX/XX/XXXX I contracted XXXX XXXX [ this fact is not in dispute ] On or about XX/XX/XXXX i paid my bill. 

I also asked to be provide with a CC that did not have an annual fee since i was not going to be able to redeem my numerous miles that i accumulated. 

I was denied another path. So I was paying for benefits that i was not receiving. 

There was a dispute as to what happened to my miles. I had about a XXXX XXXX miles and XXXX free air fairs that were denied me. 

I already paid the Fee for the Frontier card for the year XXXXand thereafter my Credit card was wrongfully and without notice terminated My CC was terminated without notice sometimes around XX/XX/XXXX Contrary to Federal and NYS police, I I was not provide the option or address to make a complaint and dispute in writing by any of your representatives XXXX except the last. 

FCRA Credit Bureau, Disputes XXXX XXXX XXXX XXXX XXXX XXXX Another credit line was terminated in XXXX. I would like it reinstated as well No notice was given pertaining to the Termination of my two credit lines. 
credit card companies are required to give any notice. Although the Credit Card Act of 2009 says creditors must give customers 45 days ' notice of major changes to the terms of their accounts, courts have decided that a card cancellation caused by inactivity doesnt count. 

I would like all the miles i earned to be posted. I have used the card for business since the inception. I attempted to redeem my miles and was denied and mocked for asking in XXXX of XXXX I would also like my free tickets for XXXX. I could not use them because of Covid. I paid for them in my yearly fees for the CC. 

I would also like my free tickets for XXXX. I could not use them because of Covid. I paid for them in my yearly fees for the CC. 



I protest that this conduct is defiant to NYS and Federal Laws. 

As the world continues to cope with the impacts of the COVID-19 crisis, federal and state governments are offering relief and resources to Americans affected by the pandemic. In addition, many businesses and financial institutions are stepping up to provide some relief to those who are worried about their financial security. 

I would like my Credit rating restored : Lenders as required by the Coronavirus Aid, Relief and Economic Security ( CARES ) Act will not cause consumer credit scores to go down. Your closing of my two accounts did cause my Credit score to go down. In hereby emply XXXX support of the CARES Act urging all consumers who are in financial distress as a result of COVID-19 to contact their lenders and reach an accommodation. I am in medical financial distress from XXXX.
Consumer complaint received 2020-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Bank of America, is reporting this account inaccuracies, LATE PAYMENTS, CREDIT LIMIT {$7000.00} and PAST DUE {$9100.00} activities well after closed/charge off with all ( 3 ) bureaus : XXXX XXXX, XXXX  and XXXX. 

Reporting different closed/charge off dates : XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX Reporting different last payment dates : XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX Reporting inaccurate history unmatched payment : XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  Reporting multiple account numbers : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Remarks not reporting I'm disputing : XXXX XXXX XXXX
Consumer complaint received 2019-08-24
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (WA)

My initial and only purchase on my new Victoria 's Secret Credit Card was made in XXXX of 2016. The total was {$120.00}. I moved following signing up for the credit card, and did not receive a card in the mail prior to traveling across country. I attempted to call Victoria 's Secret ( Comenity Bank ) at that time to make a payment,  however, without the credit card number, you are unable to do so. I was charged a late fee & finance charge prior to being contacted in XXXX of 2016 via telephone by Comenity Bank. The associate with whom I spoke indicated that she would waive the late fees and finance charges ( {$32.00} ) if I made a payment at that time ( {$37.00} ), which I did. She assured me that the late fees and finance charges were waived. However, according to records, she only waived one finance charge of {$3.00}. I called Comenity Bank back the same day to try to pay off the remaining balance, however, they indicated they can only process one payment per day. I paid off the remaining balance in on XX/XX/16 ( {$84.00} ). 

The total amount I owed VS ( Comenity Bank ) was {$120.00}. I paid off this total in XXXX of 2016. The accumulated charges on my VS Credit Card are made up of late fees and finance charges. The 2 initial late fees & finance charges were supposed to be waived according to a comenity bank representative. She did not follow through w/this. When I reached out to Comenity Bank to resolve this matter, I was confronted with a representative who was not willing to listen or come to a resolution. If someone could take the time to look through my account, they will see that the accumulated charges are not merchandise purchases, but late fees and finance charges that should not have been on the account in the first place. Due to fraudulent and predatory practices, Comenity Bank sold the " debt '' to XXXX XXXX XXXX in a total of {$330.00}. This has negatively impacted my credit, and seems absurd as the complete amount of the merchandise was paid for and is made up entirely of late fees.
Consumer complaint received 2023-03-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (GA)

Paypal emailed me today XX/XX/2023 at around XXXX Eastern time telling me that some sort of balance was going to be transferred to XXXX and did not specify any additional details on how to reach out to this organization or on how to even discuss the alleged " amount '' that was owed. After speaking to an agent there was an unidentified {$30.00} balance on the account and Paypal has not sent any mailed communication or phone call to me notifying me that any amount was owed or where the charge even originated from. I have called Paypal many times before trying to rectify with them why I could never access my account though they never answered in a timely fashion every time I called.
Consumer complaint received 2022-06-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

in accordance with Fair credit reporting act 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 also states a consumer reporting agency can not furnish a account without written instructions
Consumer complaint received 2018-04-07
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: EQUIFAX, INC. (GA)

XXXX XXXX XXXX XXXX XXXX Account number - XXXX Date Open - XX/XX/XXXX High Credit - {$27000.00} Date of last Act - XX/XX/XXXX Status - Account sold / transfer After sending notice to ALL three credit reporting agencies : XXXX, Exquifax and XXXX - the account were remove due to the S.E.V.E.N year information reporting time that was under this particular account. Just recently, I FOUND OUT THAT MY INFORMATION WAS SOLD AND ANOTHER AGENCY has once again reported my information back on ALL three credit reporting agencies. This was off and completely off starting back in XX/XX/XXXX. After the security wrong doing of my information along with thousands and millions of others
Consumer complaint received 2022-06-10
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. (CO)

in accordance with Fair credit reporting act XXXX XXXX XXXX has violated my rights 15 XXXX.S.C. 1681 section 602 A states i have the right to privacy 15 U.S.C. 1681 section 604 A section 2 also states a consumer reporting agency can not furnish a account without written instructions
Consumer complaint received 2020-06-03
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. (TN)

I am writing this due to non-compliance with the ( XXXX, Experian, XXXX  ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2018-04-08
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: First Federal Credit Control, Inc. (FL)

First Federal Credit Control is saying they are a federal collector and will put me in jail if i don't pay them XXXX dollars. i am brining this to the attion of the real protection bureau and maybe you guys can help me they calme i owe a debt of XXXX dollars toa XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-04-08
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: Fidelity National Information Services, Inc. (FNIS) (FL)

XXXX XXXX XXXX XXXX or XXXX XXXX is commiting crimes and causing people not to have bank accounts to live their lifes. they have misleeding info on people credit files and banks turn away good people. i XXXX XXXX XXXX am one of the people they are trying to hurt with their lies. i did not give any athuasashon to have my name in their system and if i did i was not aware of it i revoke my name and my social in their system and they must remove me from the sytem or i will seek legal console. an in turn another compney that is going to halfto purge my account its chexsystems they must purge my account or legal action may take place
Consumer complaint received 2019-08-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (NJ)

On XX/XX/2019, PayPal sent me an email saying our business account is limited because, I quote " We noticed activity in your account thats inconsistent with our User Agreement and we no longer offer you PayPal services. '' After reading their User Agreement multiple times, it was clear there was no violation. 

PayPal is a licensed money transmitter in every state and failed to do its job.
Consumer complaint received 2019-08-24
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (VA)

I opened a checking account with Citibank , N.A . in XX/XX/2019 through the advertisement to earn XXXX XXXX XXXX AAdvantage miles after fulfilling account-opening activity requirements as a new customer. However, I have not received any AAdvantage miles as of XX/XX/2019, even I fulfilled the activities in early XX/XX/2019. I contacted Citibank 's customer service three times, and each time a representative confirmed that I have fulfilled the activity, recorded my complaint and promised that I will receive the award miles soon, because it's more than the advised 90-day period processing time after I fulfill those requirements. 

The latest case number I was given was : XXXX.
Consumer complaint received 2018-04-10
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ridge & Valley Realty, Inc. (FL)

XXXX XXXX XXXX IS ATTEMPTING TO COLLECT A DEBT BY USING AN INTIMIDATION tactic by placing the UN-VALIDATED collection on my report. Under the law, they are NOT suppose to do that! That is considered collection activity! This Debt needs to be deleted immediately.
Consumer complaint received 2022-06-10
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. (CO)

in accordance with Fair credit reporting act XXXX XXXX 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 also states a consumer reporting agency can not furnish a account without written instructions
Consumer complaint received 2019-08-24
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: Synovus Bank (OH)

I obtained a credit card through First Progress back in XX/XX/2019, in XX/XX/2019, I'd set it up through my debit card at XXXX XXXX to have payments withdrawn for My First Progress card I haven't been receiving any bills or mail, it's impossible online to navigate the payment websites, and it is just as impossible to get ahold of a customer service representative to pay my bill I'm not trying to avoid my bill, I'm at a point in my life where I paid more than enough to pay my bills, but I need my creditors to start taking my money and to stop making it a hurdle
Consumer complaint received 2018-10-10
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: EQUIFAX, INC. (PA)

I have made Equifax aware of the fraudulent activity on my report in writing and verbally. I have also provided all required supporting documents for proof of Identity Theft. I have requested that ( XXXXXXXX XXXX XXXX # XXXX and XXXX XXXX XXXX XXXX XXXX ) be removed from my report but NOTHING. This is not fair at all. I am doing everything requested of me to rectify this.
Consumer complaint received 2018-10-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have sent police reports and identity theft affadavit to Transunion due to severe identity theft and fraud of my personal information. Transunion has a identity theft flag on my account, despite that they have continued to allow multiple inquiries and possible new accounts on my credit. Since XXXX of this year there have been well over 15 in a 4 day time period. When they were informed of the identity theft they had me take numerous steps to have my personal information saved and my credit information file fixed, they said that by completed all the steps ( police reports, affadavits, letters ) that they would place a fraud alert on my file and I would not have to worry about this type of activity. However this is not the case. There continues to be fraudulent activity with no safeguards for me, the consumer. These are the inquiries that were placed on my credit file Credit Unions XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX Inquiry from XX/XX/XXXX Personal Loans Cos. XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX Inquiry from XX/XX/XXXX Credit Unions XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXXXXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX, to name A FEW. 

When I spoke with Transunion they stated that they would like for me to provide a 2nd police report about identity theft, despite my having proof they received the police report. They have placed a fraud alert on my file but continue to allow fraudulent request to be processed. When I spoke with another representative they stated I must send letters to all 40+ creditors and request that they remove the inquiry. However, I did not authorize the inquiry nor should I be repsonsible for this activity when they are fully aware of the fraud since last year. ( XXXX ) This issue is damaging my ability to work, obtain credit and provide a truthful file to your clients who purchase credit files for decision making purposes. Please correct this issue.
Consumer complaint received 2019-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (TN)

On XX/XX/2019 my credit report is showing that I am 150 and 120 's days late in the most recent 12 months. The problem occurred when I fell behind on my truck note because of some financial difficulties and the truck was repossessed. The finance company Credit Acceptance ( CA ),  added repo fees and late payments to my account totalling {$3000.00}. I talked to ( CA ) and I paid the repo fees ( {$1200.00} ) and was able to set up payment arrangements and I got the truck back. CA did not explain that the late payments and fees would become part of my present payment and not be placed on the end of the account. Now CA is requiring the {$3000.00} to be paid first and until it is paid my account will remain 150 to 120 days late and reports this the credit bureau. I have has been making the agreed payments on time each month but it is still showing late because of the {$3000.00} balance. My credit report is being ruined because of this. I spoke to CA to see if something could be worked out concerning this to help me improve my credit and CA refused to help with anything. According to the payment arrangments set if I continue to pay {$550.00} a month, only {$75.00} is going towards the{$3000.00}. This means that it will take nearly two years for this balance to be removed and by then 120, 150 days will increase to where my credit is ruined.
Consumer complaint received 2018-03-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (CA)

Rushmore opened an escrow account for an insurance that we paid in full on XX/XX/XXXX. Called and spoke with 5 different agents who guaranteed the fraudulent escrow account will be closed and the money will be added to the principle. This has been lingering for over 5 months and each month I call they promise the same and nothing is happening they are taking more money that they are supposed to my loan and still adding the money in an illegal escrow account. Lastly XXXX from escalation team and XXXX a call center supervisor mentioned they are working on it. NO resolution same invalid promises to be fixed and they keep depositing more money from my checking to an escrow account. 
Last contact was XX/XX/XXXX at XXXX PST and nothing is resolved.
Consumer complaint received 2023-03-28
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: CITIBANK, N.A. (CA)

On XX/XX/2023 I initiated the return process for an item purchased from Best Buy, ( Order Number : XXXX, Total : {$410.00} ), by logging into my best buy account online and following through the instructions for beginning a return. Per the site instructions, the return for this item would need to be done in-store, at ANY location. 
On XX/XX/2023 I visited the Best Buy location in XXXX, CA ( XXXX XXXX XXXX XXXX ) and attempted to return the item. After several employees had difficulty with processing the return, it was brought to my attention that the item that I picked-up at the XXXX XXXX XXXX location, did not match the item on the purchase receipt. Although visually the same, the item had a different model number ( Model : XXXX ) and as such they could not return the item. As show in the attachment, the item in my possession has additional features and retails for a higher cost, but looks identical to the model I had purchased initially. The representatives in-store understood the mistake but only offered for me to return to the pick-up location and have the employees there correct their mix-up. No guarantees were made that the item would in fact be returned or credit offered for the mistake at any location. It was made very clear that they would not be processing a return at that store. 

I advised the Store representatives I would be disputing the charge and they did not present any objections. On XX/XX/2023 I filed the dispute on my Citi Card. I presented the documentation available to me, however the charge remains with no further action taken by Citi.
Consumer complaint received 2019-08-24
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: SYNCHRONY FINANCIAL (OH)

Inquiry from XX/XX/2019 amounts N/A I don't recognize this inquiry and I tired contacting Syncb ( XXXX XXXX XXXX/XXXX/XXXX XXXX ) but all i got was a run -around from them. I just want them to removed from my hard Inquiry.
Consumer complaint received 2020-07-25
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: Experian Information Solutions Inc. (MD)

I have several items that are listed on my credit report that are not mine and are fraudulent, errors and incorrect as none of the accounts are mine. XXXX appears on my report twice and I have requested these fraudulent accounts be removed from my report as letters were sent in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX These accounts are keeping me from buying a condo, new car and making it impossible to move forward with my life. 

1. XXXX  - no balance, credit limit is showing as {$3000.00}, account partially listed - XXXX, dates opened XX/XX/XXXX and last reported XX/XX/XXXX.