davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Byrider Franchising, LLC (OH)

I filed bankruptcy in XX/XX/2021 and the CNAC account on XXXX is currently listing that I owe on the account when it was actually included in the bankruptcy. I have disputed with XXXX several times but no changes have been made, the bankruptcy petition was also sent as proof, the other two major credit bureaus are reporting correctly this account as included in bankruptcy.
Consumer complaint received 2019-08-23
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. (TX)

XXXX XXXX XXXX and Transunion are incorrectly reporting the XXXX partial account number XXXX. ( Please see page 16 of the attached credit report. ) This account was fraudulently opened by a housekeeper I had who stole my identity. I called and filed a formal complaint with the police department immediately after I discovered that this account had been opened. I have attached a copy of the officers contact information. I did not open this account, nor did I authorize anyone to open this account. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove these items however, I have not been successful.
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. (MI)

In accordance with the fair credit reporting act XXXX XXXX XXXX account number XXXX amount of {$960.00} opened on XXXX XXXX XXXX account number XXXX amount of {$100.00} opened on XX/XX/XXXX XXXX XXXX account number XXXX amount of - limit {$500.00} opened on XX/XX/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 an account without my written instructions
Consumer complaint received 2022-02-03
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. (PA)

On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2019-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. Collections West, Inc. (AZ)

I made a disputed against a collection item - XXXX XXXX  apartments - collection agency: u.s. collections west, inc. - but it is showing in my report that I am responsible and owe the balance XXXX - my dispute against this account was approved and the collection agency confirmed it shows that I am not liable.
Consumer complaint received 2022-12-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY (GA)

I took over my mothers account at her death in XX/XX/XXXX. I paid her bills and contacted companies to close accounts. I contact Amex XX/XX/XXXX and closed all accounts. I got billed again in XXXX. I contacted Amex to let them know the account was closed and all attempts were made to inform companies that the account holder was dead. I spoke with two managers at Amex on XX/XX/XXXX that stated that Amex only closed the current account and not my mothers account. I received a letter from Amex XX/XX/XXXX that all accounts were closed. The call on XX/XX/XXXX stated that no additional charges would be processed on any accounts in my name or my mothers name. I paid the outstanding bill in full at that time to end the process. 
I continued to receive bills. I disputed them in XXXX. I called to check on the dispute on XX/XX/XXXX and was told it was not completed. I resubmitted the dispute. I was told XXXX business days. 
I called back again when I received yet another bill on XX/XX/XXXX and was told by XXXX XXXX # XXXX ) that the accounts were not completely closed. He disputed the charges again and I was told it would be another XXXX business days. I called today after receiving yet another bill. I was told it would be until end of XXXX until I could get a resolution to an account I closed in XXXX from my mothers death in XXXX. 
I sent them a death certificate ( XX/XX/XXXX ) for XXXX XXXX in XXXX. All contracts my mother had ended at her death. I contacted all creditors and her will was fully probated through the XXXX XXXX XXXX system in Georgia.
Consumer complaint received 2020-12-13
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: CURO Intermediate Holdings (TX)

On XX/XX/2020 Ad Astra recovery added a derogatory mark on my credit report identify by XXXX XXXX. 

Upon researching, this account was transferred/sold and Im no longer responsible for this account. 

Ad Astra hasnt verified this collection. I requested on XX/XX/XXXX and XX/XX/2020 documentations that Validates my debt. 

As of today Ad Astra Recovery has only provided me with a bill! A bill without a written signature does not validate the debt and anybody can send a bill and say its mine. 

According to the FCRA, Ad Astra Recovery has violated my rights as a consumer and Im requesting legal action to remove this account immediately!
Consumer complaint received 2018-10-10
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. (CA)

I recently submitted a request for investigation of an unverified account, which they refused. I submitted enough information to carry out a reasonable investigation of my dispute, since they obviously did not investigate this account thoroughly enough the last time I submitted one.
Consumer complaint received 2023-03-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (MD)

No attempt was made from XXXX XXXX XXXX to communicate a bill was due before they sent it to debt collections. I am on XXXX XXXX military and am not at the physical location to receive mail at the address they have on record.
Consumer complaint received 2018-12-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (MN)

Today XX/XX/XXXX, I talked to customer service about my XXXX XXXX dollar charges for the last the company spokesman at XXXX XXXX XXXX, when asked if they would forgive the 2 fees, sense Im a senior citizen ( XXXX ) on a fixed income and cant really afford this {$60.00} penalty for late payment, they send no. Because I had already used up my one forgiveness and only 1 is allowed. I mentioned my increased confusion and forgetfulness as I age, do you have auto- pay and they said yes. I wish I was made aware of that months ago so I paid my bill on the phone and will set up auto-pay
Consumer complaint received 2018-04-10
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: BBVA FINANCIAL CORPORATION (TX)

XXXX XXXX XXXX AS OF XX/XX/XXXX MY HELOC HAD A XXXX BALANCE. ON XX/XX/XXXX I TOOK AN ADVANCE OF {$5000.00}, WHICH WAS PUT INTO AN ACCOUNT AT 4.25 % FIXED. 
ON XX/XX/XXXX I CALLED THE HELOC DEPARTMENT AND ASKED THEM IF I TAKE ANOTHER ADVANCE WOULD IT GO INTO THE 4.25 % ACCOUNT AND I WAS TOLD YES, SO I TOOK AN ADVANCE OF {$25000.00} BECAUSE THE RATE WAS LOWER THEN I WAS PAYING ON ANOTHER HELOC. I DID THE SAME ON XX/XX/XXXX & XX/XX/XXXX FOR A TOTAL OF {$38000.00}, WHEN THE STATEMENT CAME IN IT WAS AT A HIGHER RATE OF 5.48 %. I WOULD NOT HAVE BORROWED THE MONEY AT THE HIGHER RATE. I HAVE CALLED THE COMPANY NUMEROUS TIMES AND GONE TO A BRANCH TO NO AVAIL. THEY SAY THATS THE WAY IT IS TO BAD. 
I RECEIVED A CALL FROM A RESOLUTIONS DEPARTMENT THAT I HAVE CALLED BACK AND LEFT MESSAGES AT LEAST 10 TIMES TO NO AVAIL, VERY FRUSTRATING TO BE TOTALLY MISLEAD. I HAVE ALSO BEEN TOLD A SUPERVISOR WILL CALL, STILL WAITING, AGAIN VERY FRUSTRATING. 
THANK YOU FOR ANY HELP
Consumer complaint received 2021-04-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Remitly, Inc. (TN)

This company closed my account violating my user rights. I had my account since 2018 and I had never had any problems. I used a virtual card from my bank to send money. The platform uses the method of verifying the card before processing any transfer. Verification is done by sending a 4-digit code that can only be obtained directly from the bank. In my case, I carried out the entire corresponding process so that my transaction was successful. 
However, when I called customer service, the person who attended me transferred me to another department. The representative asked me to validate all the information and with respect to the transaction I explained that I have been a customer for 2 years and I always use remitly respecting the use and verification policies. However, the representative was rude and said that she closed my account for fraudulent activity. Never in my life have I committed fraud and less for XXXX dollars. I use XXXX XXXX and have never had a problem sending remittances. 
However, Remitly and her representative acted arbitrarily and closed my account. They have all my personal information, debit cards, bank accounts and my passport. 
This company morally mistreated me accusing me of fraud or illegal activity. I never had or have had problems and I am not involved with that type of activity. THEY DON'T ANSWER MY CALLS, THEY DON'T ANSWER MY EMAILS. 
MY EMAIL IS XXXX.
Consumer complaint received 2019-08-26
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: JPMORGAN CHASE & CO. (CA)

Chase customer service refuse to help when XXXX XXXX XXXX charged my credit twice for same future service which is in XXXX when I disputed the charge they're saying you can't get refund from the service, because it's already paid, but they are charging me twice for same thing. And Chase customer service refuse to acknowledge the fact I'm being charged for twice and can't dispute.
Consumer complaint received 2018-10-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (FL)

my account was used to online and i dispute the claim and the bank is denied my claim when i file the police report still dont want to help me to get my money back to my account the amount XXXX iam a victim of identity theif i did not made this charge im requesting the charge need to put back to my account that any finance and other charges relates to the fraudulent amount be cretdited as well and that i receive an accurrate statement
Consumer complaint received 2018-10-10
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Tribal Lending Enterprise, Inc. (CA)

XXXX XXXX XXXX & XXXX XXXX XXXX is saying I owe this debt, but I DO NOT owe it. 
I was victim of of identity of ID theft.
Consumer complaint received 2018-10-10
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I HAVE PAID MY CAR NOTES ON TIME EVERY MONTH THE LOAN COMPANY IS REPORTING 5 MONTSH OF DELINQUENCY.
Consumer complaint received 2019-08-23
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: SYNCHRONY FINANCIAL (SC)

On or about XX/XX/XXXX I applied for a Walmart Mastercard and was offered for a first purchase, a one year interest free promotion. I took the promotion and purchased a TV set. Now the promotion is set to expire on XX/XX/XXXX. I received a statement stating that I still have a balance of $XXXX on the promotion. I called Synchrony Bank (the holder of the card) and talked to XXXX and asked if I send $XXXX for the promotion and $XXXXXXXX for the minimum payment the promotion will be paid off. She said absolutely, so I sent $XXXX. After I knew they received the payment I made a follow up call and was told the promotion has not been paid off only a $XXXX was applied to the promotion and the rest was applied to the rest of the account. I then talked to supervisor XXXX and wanted to know why the promotion was not paid off? She said their policy is to apply the money to the interest account and she refused to pay off the promotion. The terms of the promotion clearly states; To avoid paying Accrued Interest charges on Any DEFERRED INTEREST promotion you must pay at least your minimum payment due if any each month and the ENTIRE APPLICABLE PROMOTIONAL BALANCE BY THE EXPIRATION DATE!  she "REFUSED" to pay it off. And they are also in the process of selling my card to XXXX XXXX  in XXXX  I asked her what if they don't honor the agreement and she said she didn't know she doesn't work for them. Both conversations with them they have recorded.
Consumer complaint received 2018-10-10
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 — Investigation took more than 30 days
Company: SCHOOLSFIRST FEDERAL CREDIT UNION (CA)

I HAVE PAID MY CAR NOTES ON TIME EVERY MONTH THE LOAN COMPANY IS REPORTING 5 MONTSH OF DELINQUENCY.
Consumer complaint received 2022-05-04
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX Account # XXXX XXXX  Account # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-08-23
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (LA)

My financial aid package, which was tediously setup by the financial aid office at XXXX XXXX XXXX, currently includes a remaining XXXX in private loans and just under 8k in federal loans. I pay {$160.00} ( federal ) and {$250.00} ( private ) consolidated loans to Navient ( formerly Sallie Mae ). I have just over 31k in remaining balance. If I continue paying at the prescribed monthly rates until the loan matures, I will have paid over {$190000.00} over the course of 40 years. This is an egregious amount to pay over most of my lifetime, for a degree that will no longer be recognized as an industry standard acceptable degree from a reputable school. As such, I am seeking some retribution from the company that defrauded me into believing that I was paying a reasonable price for an industry recognized degree in a marketable skillset provided by a well-recognized school.
Consumer complaint received 2023-03-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: AXOS FINANCIAL, INC. (PA)

I have a checking account with Axos Bank that I have had since the summer of 2022. For the last month I have tried to contact their customer service hotline because I could not retrieve my password. Everytime, I have called Axos during their business hours I have been on hold for more than an hour without anyone ever picking up. The only way I can get my password retrieved is through getting in touch with a customer service representative, so my account has been locked for more than a month now. I have called and left them a message as of today, but I have not received a response yet. I need access to my account as soon as possible, and it is ridiculous that I have not been able to get in touch with someone from this bank for a month, so I don't know what my funds look like at all. I just need my password retrieved so I can access my online banking, and then I will be leaving Axos Bank. Thank you.
Consumer complaint received 2022-06-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC (GA)

On Tuesday, XX/XX/2022, I intended to send my brother {$620.00} through Zelle from my XXXX XXXX bank account. Zelle allows people to send money using other people 's phone numbers. I mistakenly entered an incorrect digit when entering my brother 's telephone number through Zelle. I immediately attempted to get the transaction reversed through XXXX XXXX ; however, they said I'm unable to cancel the charge once sent through Zelle. Then, I contacted Zelle and they informed me that I had to request it back from the individual who received my money in error. I reached out to the individual to inform him what happened and he didn't understand why neither Zelle nor XXXX XXXX could resolve it. The individual to who I mistakenly sent the money denied my request and asked me not to contact him again. The individual requested that Zelle resolve this. I informed Zelle of this and they still refused to take the money back from the individual and return it to me.
Consumer complaint received 2023-04-07
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. (GA)

In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or a list of Inquiries : 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-11-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: AMERICAN EXPRESS COMPANY (TN)

My Bluebird American Express account has been hacked and {$450.00} was stolen from me in an unauthorized money transfer. 
On XX/XX/18 at XXXX I received my paycheck via direct deposit on my Bluebrd American Express card. 
At XXXX XXXX XXXX requested {$450.00} from me. The email stated that I log into my Bluebird account to respond to this request. 
At XXXX ( less than a minute later ) a second email came, confirming that I sent {$450.00} to XXXX XXXX abd that the funds have been deducted from my account. 
I work for the XXXX XXXX XXXX at the XXXX XXXX XXXX XXXX. At the time of the deposit and subsequent transactions, I was with a client in my office and knew nothing of the deposit or transfer, until my money was already gone. 
I immediately called Bluebird, to file a fraud charge. At XXXX after getting off the phone with the representative and updating my password and ordering a new card, I received an email, confirming the changes. 
On XX/XX/18 my dispute was denied. Stating no error occured and the transaction in question was authorized. Therefore my account is not eligible for the {$450.00} to be credited back to my account. 
I then immediately on receipt of that email, again called Bluebird American Express and filed another fraud dispute AND then went to the XXXX County TN Sheriff 's Department and filed a police report. 
I want to state for the record, that I DO NOT know XXXX XXXX AND that I did not authorize this transaction. The {$450.00} was my entire paycheck and it was my mortgage payment. 
On XX/XX/18 at XXXX, my dispute was again denied with the same reply, that no error occured and that the trasaction was authorized. I called Bluebird American Express to question this decision, telling them that my account had been hacked and the investigations team, should have been able to access IP addresses from MY Bluebird online  activity and the money transfer request and approval and verify that it was NOT my IP address that approved the transaction. 
Then on XX/XX/18 at XXXX my account was suspended, stating that due to a violation my account has been locked and my account privileges have been suspended. 
I have enclosed ALL emails received from Bluebird American Express along with the police report from the XXXX County Sheriff 's Department. 
Having {$450.00} stolen from me, has not only put me behind in my bills, it has caused me tremendous stress and undue emotional pain & suffering. 
Thank you for any and all help in this matter.