davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-29
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (FL)

On XX/XX/2019, at XXXX I attempted to make an ATM withdraw using my American Express BlueBird Credit Card ( XXXX ), at XXXX Gas Station on XXXX XXXX, XXXX XXXX, FL XXXX, for the amount of {$740.00}. 

During this transaction, the ATM attempted to dispensed the money, however, the ATM door never opened, and the transaction was over. I quickly through up my hands stepped back, and called for a store manager. 

The General Manager of the XXXX came over, I explained the situation, and she advised they don't have anything to do with the ATM, and gave me a number to file a claim, ( XXXX ). 

In speaking with two Agents, they confirmed there is nothing they could assist with, and I need to call my Credit Card Company, ( American Express BlueBird ), and file an claim with them. 

Since XX/XX/2019, I have filed a claim with American Express, who advised I would receive an provisional credit within 10 Business Days. In addition, I was able to speak with Executive Office for XXXX, who provided additional information regarding filing a claim through them, however, the request would have to come from General Manager for that XXXX.I called and requested for the General Manager to place a req to have the ATM check, and she said she couldn't get involved. 

I'm sending this complaint, due to American Express Bluebird, still hasn't sent the follow-up email to provided them with additional information, nor do they have any since of urgency to assist with resolving this matter. 

My back is also up against the wall with the fact, I was withdrawing the {$740.00} to pay my car payment that is due on XX/XX/2019. 

Please understand my car payment can not be late, or I will go 30 days past due, and I'm trying to buy a house. 

I understand there is a process, but no one I have reach out to has acted is if they care. Everyone just keeps saying the same thing, contact your bank, and American Express bluebird keep saying, we have a process. 


Thank you
Consumer complaint received 2019-06-29
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. (WA)

I never got evicted, yet there is an eviction showing on my record, making it impossible for me to rent elsewhere. I lived at XXXX XXXX XXXX XXXX in XX/XX/XXXX-XX/XX/XXXX, but there is an eviction showing in XX/XX/XXXX. i have perfect rental history, on time payments with rent, etc.
Consumer complaint received 2023-07-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY (CA)

This is a new complaint in that now American Express is ILLEGALLY, FRAUDULENTLY, and UNETHICALLY charging me interest on an American Express credit card that I followed ALL the required procedures to COMPLETELY/ENTIRELY close out more than 2 months ago!!! They are doing to retaliate against me because, in the XXXX consecutive years I had a credit card in COMPLETELY good standing with them, I NEVER ONCE had to pay them XXXX cent of interest because I completely and timely paid my ENTIRE undisputed balance EVERY month!!! As we all know, they hate those card holders. I do not now owe them XXXX cent of interest and they KNOW IT!!! I am NOT paying their fraudulent, unethical and illegal interest they keep trying to charge me, especially NOT on a CLOSED ACCOUNT!!! 

Even after being with them for approximately XXXX consecutive years, during which they earned thousands of dollars of " float '' from my charges onto my American Express card ( which is why credit cards exist!!! ), American Express fraudulently charged me interest while they were " investigating '' charges that I had properly ( exactly following THEIR procedures ) put into dispute status over the last approximately 9 months. Despite my detailing this to them in numerous phone calls over that 9 month period, they kept fraudulently adding/accruing/compounding interest EVERY month!!! 

So, I had no choice but to entirely close out that American Express credit card about 2 months ago. Now American Express has the AUDACITY to continue trying to FRAUDULENTLY and ILLEGALLY charge/accrue/compound interest on an ENTIRELY-CLOSED-OUT credit card account!!! What scammers!!! XXXX XXXX XX/XX/23
Consumer complaint received 2022-10-20
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. (FL)

Hello, i was in XXXX ( XXXX, XXXX XXXX ), I was charged an unclear ammount, and requested to get the receipt with the card provider once i was home. ( Billing transaction would be the XXXX of XXXX, XXXX ). 
Dispute credit date is XX/XX/XXXX for the ammount of XXXX. 

The only way i could do this since the hotel didnt list a number for Citi to contact with was via dispute. 
I was told that we could use the information provided to clear this matter up, and i requested a credit for the ammount of XXXX night. ( this was because i received a room with mold, and made a switch on my stay within the hotel. ). The charge seemed 1 nights room to high.

Instead of Citi reaching back out to me with the phone number and billing details, they justt closed the case and reversed the credit. 
Seperately, i disussed 3 other issues with similar outcomes because its very evident that the cardholder is the product, the vendor is the client. 
We have one with XXXX XXXX grading from XX/XX/XXXX for {$550.00}, ( {$1100.00} total charge ). This resulted in no help, and i later on my own accord/expense got the grading service of the other reputable competitor to show it was infact the highest quality. 
Seperately, i purchased something from XXXX for {$62.00} on XX/XX/XXXX and half the order was wrong. Citi would help even with the dispute service, and XXXX ended up locking my account, and Citi reversed the credit they gave me... once again leaving me to defend myself. 
XXXX ended up leaving me with the wrong package, and sending me the correct item. 
No longer on the ledger from Citi was an XXXX XXXX purchase. They sent me a destroyed white leather couch that the repair man said was caused by air bubbles in the hide. Then the furniture chain tried to replace it with another seconds leather couch. After months and months, and after Citi sided with the vendor, XXXX finally picked up the couch when i decided to rent my new home purchase. The closing date was XX/XX/XXXX, and i rented it by the XXXX of XXXX, XXXX, so that would be the time frame. and the couch was somewhere between XXXX and XXXX XXXX 
Citi is blatantly treating the US citizen as a product, not a card provider for the citizen, but a customer provider to the US and XXXX XXXX. 
This is wrong, please investigate it. 
When i brought this up with Citi on the day i opened the XXXX hotel dispute, i told them the best way to help was to provide a few dedicated representatives to help on the dispute. It seems they have no interest on this. I have emailed them about the intercontinental hotel since opening the dispute but haven't heard back. 
email involved is From : XXXX XXXX XXXX Sent : Tuesday, XX/XX/XXXX XXXX XXXX To : XXXX ' XXXX Subject : XXXX Thank You, XXXX Last contact is XXXX.
Consumer complaint received 2019-06-29
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: Credit Bureau of Carbon County (CO)

Disputed a collection account being reported on my XXXX and XXXX credit reports from Collection Center, Inc. of Wyoming. Sent dispute letters via U.S. Mail  on XXXX, XX/XX/XXXX and XX/XX/XXXX. XXXX and XXXX claimed that this debt was verified all four times, but was offered no proof that this debt was indeed mine. Since no proof was offered that this debt was mine, I demanded that this account be removed from my report. As of the writing of this complaint the account has not been removed. I also contacted the collection agency and they also have been unable to prove that the debt is mine nor have they removed the account from my XXXX credit report.
Consumer complaint received 2019-06-29
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. (CO)

Disputed a collection account being reported on my XXXX and TransUnion credit reports from XXXX XXXX, XXXX of Wyoming. Sent dispute letters via U.S. Mail on XXXX, XX/XX/2019 and XX/XX/2019. XXXX and TransUnion claimed that this debt was verified all four times, but was offered no proof that this debt was indeed mine. Since no proof was offered that this debt was mine, I demanded that this account be removed from my report. As of the writing of this complaint the account has not been removed. I also contacted the collection agency and they also have been unable to prove that the debt is mine nor have they removed the account from my XXXX credit report.
Consumer complaint received 2022-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MN)

I got my background check complete for work and noticed a address which I've never visited or lived before. I also found it on my experion credit report. 

Address is XXXX XXXX XXXX XXXX, CA XXXX I have been a victim of identity fraud before as well.
Consumer complaint received 2019-06-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (PA)

In XX/XX/XXXX, First National Bank approached me with an offer to Skip A Payment in XXXX or XXXX. I sent them the form and a check for {$50.00} to pay the interest plus a few cents on XX/XX/XXXX. My payment was not due until XX/XX/XXXX. I always round my payments up to the nearest dollar and allow the difference to go towards the principal. I assumed that everything was fine. I did not receive any communication about a problem. On XX/XX/XXXX, they contacted me for the first time with a past due notice. I assumed it was in error, because the total amount due ( {$360.00} ) on XX/XX/XXXX on the notice was under the last payment received of {$370.00} on XX/XX/XXXX. I contacted First National through the customer service line in the beginning of XXXX. On this phone call, I explained my confusion. I sent the {$50.00} interest only payment on XX/XX/XXXX, a {$400.00} payment on XX/XX/XXXX, and a {$370.00} payment on XX/XX/XXXX. At no time in the past three months have I been late on my payments. The customer service agent told me that my account does not reflect the Skipped Payment offer. They did not cash my check. She could not help me any further, but offered to have another representative of the bank call me. I never received a telephone call to correct this situation. On XX/XX/XXXX, they sent me a past due notice that states I have {$330.00} past due, a late charge of XXXX for a total amount due of {$360.00} on XX/XX/XXXX. In order to bring my payment current, I paid {$400.00} on XX/XX/XXXX. This is over the total amount due on the notice. This did not correct my account. On XX/XX/XXXX, I received a past due notice that states I have a {$300.00} amount past due, a late charge of {$33.00} for a total amount due of {$340.00} by XX/XX/XXXX. In order to bring my payment current, I paid {$370.00} on XX/XX/XXXX. This is over the requested amount and several weeks early. This did not correct my account. The bank sent me a letter on XX/XX/XXXX stating they have attempted to contact me about this matter by telephone. My cell phone records show no attempts by First National Bank to reach me in XXXX. They have not left a single message on my phone. I have not spoken to anyone at First National since I made contact in XX/XX/XXXX.
Consumer complaint received 2018-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

I had Two morgage back started in XX/XX/XXXX, in year XX/XX/XXXXwe had issue in employment lost and burgary in house as a result we filed the application with XXXX XXXX XXXX and received approval for six month payment hold however XXXX XXXX XXXX reported the late payment and delay of 60 days and can't correct in all three credit bureau after send all paper work as a result we were able to correct in one or two credit report directly with credit report however we received denied credit due to issue not corrected by XXXX XXXX XXXX and still face same issue just recently XXXX XXXX denied the store credit card due to this. 
In the past we lost one of case in court and received the judgement, XXXX XXXX XXXX paid the judgement directly from my checking account however never updated credit filed as a result we have to purchase 6.5 % interest loan as of today even if primary loan is now 3.5 but secondary load is still 6.5 % which bank never consolidated and it was keep do enquiry on the account. Many of our credit card credit limit from {$25000.00} to {$500.00}, we never carry any balance more than months.
Consumer complaint received 2019-06-29
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. (IL)

I check my credit reports periodically to ensure they are correct. When I checked my report a couple months ago, I noticed that XXXX had sent me to collections, saying that I owed them {$91.00}. I knew this to be incorrect. Though I had had accounts with XXXX in the past, I was very careful each time to pay the account in full, at the time of closing, and leave a forwarding address in case anything came up. I never received a call, email, or letter from XXXX regarding any outstanding debt and I was verbally assured by a XXXX representative that I had no outstanding charges at the time of the account closure. 

So, I disputed this negative account through all three credit bureaus. XXXX  and XXXX  investigated and promptly removed the error from my report. Equifax however, allegedly investigated, but chose not to remove this negative account from my report. When I contacted them by phone to resolve the matter, the rep I initially spoke with refused to take any action on the matter. I asked for a supervisor and the supervisor agreed to open another dispute, on my behalf, and to make it a point to mention the fact that this account had been removed from my report by the other two credit bureaus. 

I then received an email, after roughly two weeks had passed, letting me know that the new dispute had been completed. When I checked the status, via Equifax 's online portal, I saw that they still had not removed the error from my report. 

I'm filing this complaint because Equifax did not do their due diligence in investigating the matter and they did not provide me with a reason as to why they did not remove the error from my credit report, as the other two bureaus had done. Furthermore, XXXX had no legal right to send me to collections as I did not have outstanding charges with them, nor did they make any attempt to contact me, which they could have easily done via the contact information I had provided to them.
Consumer complaint received 2021-11-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CURO Intermediate Holdings (NV)

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I'm not swayed that XXXX efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on AD ASTRA RECOVERY SERV. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Below are the accounts that are reporting on my Credit Reports : 1. AD ASTRA RECOVERY SERV XXXX Opened XX/XX/2019 Balance {$850.00} ; 2. AD ASTRA RECOVERY SERV XXXX Opened XX/XX/2019 Balance {$210.00} ;
Consumer complaint received 2021-04-19
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: SELECT PORTFOLIO SERVICING, INC. (HI)

XXXX to file an official complaint against the following Debt collector SPS XXXX XXXX XXXX XXXX. 
for years of harassing me to collect a debt that was already discharged, this company has been an alliance with Debt collector XXXX n XXXX harassing and terrorized me for decades. 
Attached are the constant never ending letters that it deeply effects my mental capacity just wondering what these people are after for if XXXX XXXX n XXXX XXXX XXXX already released my mortgage debt.
Consumer complaint received 2019-06-30
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. (GA)

With TRANUNION I have 42 inquiries that I didnt make I have made several attempts to dispute them but they keep going up Same With XXXX I have 81 inquiries I have had no progress with the bureaus it is fradulemt activity if I dont have an account attached to it I did not make it. 
A good portion of these inquiries I was under the age of XXXX in the state of Georgia that is illegal they are not any help. Please Help?
Consumer complaint received 2019-06-29
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. (OH)

I have a few inaccurate items on my credit report, my name is XXXX XXXX XXXX please remove/delete any variations of my name. I live at XXXX XXXX XXXX XXXX OH XXXX please remove/delete the following addresses they are not accurate:XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX , OH XXXX
Consumer complaint received 2019-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

I have a few inaccurate items on my credit report, my name is XXXX XXXX XXXX please remove/delete any variations of my name. I live at XXXX XXXX XXXX XXXX OH XXXX please remove/delete the following addresses they are not accurate:XXXX  XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX , OH XXXX
Consumer complaint received 2021-06-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SN SERVICING CORPORATION (TN)

XXXX XXXX called to say modification for me any my husband was denied. 
She was very rude, disrespectful and unprofessional during our conversation. 
She said she still haven't gotten all the docs needed to complete the modification. 
I sent the letter requesting the docs and submitted them. She said they were not current. I told her they are the most current I had because my wife is no longer working, because Mr. XXXX had an recent XXXX XXXX. She said Mr. XXXX should have thought about this when they were behind, and this was no concern of hers. I have sent all requested papers but XXXX XXXX refuses to help us. Our income has changed and my wife vehicle is paid off. She has told me a lot of timesshe is not going to look at the paper work we send her. I no longer wanted to finish the conversation because I knew it wasn't going to get any better and she was talking to me rude. I want the conversation pulled to show that she was disrespectful and unwilling to assist. I remained calm ended the call
Consumer complaint received 2020-12-22
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: TD BANK US HOLDING COMPANY (FL)

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XX/XX/2019, TD RETAIL CARD SERVICE add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2018-11-02
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. (LA)

They have 2 auto loans on my credit report that I did not open, and I did not authorize. I have not had auto loans with them. I did their fraud packet, and jumped through all the hoops they told me to jump through. Now they just completely ignore me. This has to be addressed, and this has to be taken care of.
Consumer complaint received 2022-12-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is my XXXX request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX