davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: Bread Financial Holdings, Inc. (TN)

I decided to take advantage of a balance transfer promotion XXXX  XXXX  was offering for their XXXX Master  Card customers and transferred {$3000.00} to XXXX from XXXX XXXX ( XXXX XXXX  Master Card ). XX/XX/2018 is the day it posted to XXXX. 

I called one week after the transfer to see when XXXX would receive the payment. A XXXX   representative told me it could take up to 30 days for the check to be mailed, received and posted to my XXXX account. 

30 days passed and XXXX still had not received the check. This was verified through a 3-way phone conversation that I had with a representative from both credit card companies. I now had a balance of {$3000.00} on two different credit cards and began to incur interest charges on the XXXX account so I filed a dispute at the end of XX/XX/2018. 

On XX/XX/2018, I received a letter from XXXX stating their records show the amount of {$3000.00} was transferred and paid to XXXX on XX/XX/2018 and included a copy of the check. I contacted XXXX to see if they received the check and they still had no record of it. I conducted another 3-way phone call with the two companies, which unconvered that the check mailed to the wrong address ( PO Box , city and state were all incorrect ), it was missing numbers from my account number and it didn't appear to be endorsed. Furthermore, the check was dated XX/XX/2018 and it said " void after 30 days ''. Therefore, even if they did receive the check in XXXX they would not be able to cash it. 

A second dispute was filed with XXXX  on XX/XX/2018. I called on XX/XX/XXXX for an update only to learn that there was no record of me filing the 2nd dispute. So, I filed it again on the XXXX. It was at this time that I ended up paying XXXX {$3000.00} so I would stop incurring interest charges. They had already waived one interest charge for the troubles I was having. 

I emailed XXXX on XX/XX/XXXX through their online message center asking for an update on the 2nd dispute. The response was that they were sending me a letter of their findings, with a copy of the check sent to XXXX, and it could take 7-10 days. I was also told that I would not be responsible for paying the amount in question until the dispute was resolved. 

I received the letter on XX/XX/2018. The second letter said the same as the first letter and included the same image of the check dated XX/XX/XXXX. NOTHING had changed. A new check was not sent to the right address and thus the cycle continues. 

I received a message from XXXX  on XX/XX/XXXX ( TODAY ) saying that I would indeed be responsible for paying the minimum amount due so as to not receive a late charge. The due date is today so I called, made the minimum payment and then cancelled the card. Now I need your help investigating the issue to get to a resolution.
Consumer complaint received 2019-07-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (GA)

My mortgage service changed from XXXX to XXXX XXXX loancare. I had my online bank setup for the new address but did not have new account number. The old account number from XXXX. Mortgage payments were sent via online to Loan Care service XX/XX/XXXX for XXXX statement and XX/XX/XXXX. I found out that payments were not credited to my mortgage ; XXXX XXXX was contacted and I was told to submit proof of payments to their research department. This information was submitted XX/XX/XXXX showing online payments and how online banking had old account number. 

My bank submitted notarized statement to XXXX XXXX loancare that XXXX and XXXX were paid. The banker received statement that it was recieved and assigned case # XXXX. My brother submitted email to customer service on XX/XX/23 and there is case # from XXXX XXXX Loancare # XXXX. During this time I have gone through XXXX, XXXX, and XXXX for XXXX XXXX. XX/XX/XXXX there was contact with XXXX XXXX and XXXX # XXXX said issue would be resolved by XX/XX/XXXX. XX/XX/XXXX XXXX # XXXX said that it would be resolved XX/XX/XXXX. 

I am making my payments but XXXX XXXX says my loan is in default. My brother has been helping me and paper work was submitted so that he could talk to XXXX XXXX. My XXXX has been removed and I am unable to talk.  I can provide bank statements and other proof. I am heard that this company has very bad reviews and similar cases have occurred.
Consumer complaint received 2019-07-21
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. (GA)

I was advised to reach out to you guys regarding two accounts on my credit that are not mine XXXX XXXX  XXXX XXXX and XXXX XXXX. I have tried all I know to get this taken off and the attorney guy thats on the billboard in my building said he can help if need be after reaching out to you. There is also an inquiry XXXX  XXXX XXXX  on my credit and I dont know anything about that. I own my home so why would I need to rent anything thats the purpose of buying a house.
Consumer complaint received 2019-07-21
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. (GA)

I was advised to reach out to you guys regarding two accounts on my credit that are not mine XXXX XXXX XXXX XXXX and XXXX XXXX. I have tried all I know to get this taken off and the attorney guy thats on the billboard in my building said he can help if need be after reaching out to you. There is also an inquiry XXXX XXXX XXXX on my credit and I dont know anything about that. I own my home so why would I need to rent anything thats the purpose of buying a house.
Consumer complaint received 2015-12-22
Product: Debt collection — Payday loan
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Coastal Financial Solutions, LLC (WA)

I received a call from my mother that this company, Coastal financial solutions LLC was trying to get ahold of me about a past due payday loan. I called the company back immediately to figure out what loan they were talking about and to update my information so they could get ahold of me directly. A representative named XXXX XXXX answered and immediately told me I would be facing jail time if I did not cooperate and make a payment. First I needed to be reminded of this loan - it was over 2 years ago and had slipped my mind. I asked him if I could give him my updated info to get ahold of me and he said no. He stated until I make a payment they will continue harassing distant family to get ahold of me. I advised him that he needed to work on his customer service skills as his tone was getting loud and aggressive. I told him that I would be understanding because I 've worked in customer service, he immediately interrupted me and yelled that the reason I have this debt to begin with is my poor customer service skills which obviously got me fired from a job. This is completely untrue, I was not fired nor did I have a customer service job when this loan payment lapsed. I had a death in the family about a month after i received the loan so it had slipped my mind I had to move and get a cheaper phone so my address was different as well as phone number. This representative XXXX XXXX accused me of flying under the radar purposely as to not have to pay this loan. At this point I 'm fighting back tears while I 'm at work because I do want to resolve this issue, but the REP continued to interrupt and talk over me threatening me, telling me I 'm basically stupid because I have a past due payday loan and trying to make me believe he is the only thing that can keep me from going to jail. I finally just started saying ok as he continued to belittle me so I could get this issued resolved. I asked to speak with a manger and he deined my request saying that he is the only one who works there and has been assigned to my case. I noticed online that other people have also had trouble with Coastal Financial Solutions LLC and it needs to stop, we are all human beings with feelings and difficult life situations. This rep was so rude and derogatory, I tried to stand my ground but he would not let me speak. He made me feel as if I have no options left.
Consumer complaint received 2022-10-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL (FL)

I had a Synchrony Amazon Card I think that you can use it other places but I don't know because I think I used it once XXXX years ago and paid it immediately. I moved 11 months ago and have been getting emails and texts and calls of them telling me I owe and I called and said i did not use it and cancelled card I did this 4 or more times in the last year. Then I thought I got it cancelled and they " took care of the fraudulent charges '' and I got an email stating that I requested a new card and now I am getting new texts charges and I told them I did NOT request a new card they obviously never took care of the old problems because the charges were around {$50.00} that were not mine and now they have {$300.00} in charges. I have spoken to anyone and everyone at synchrony ( they are in another country the call center and you have to wait at least 30 minutes to speak to a rep ) which I had done NUMEROUS TIMES!!!! I have also reported this to Amazon, but while they were very nice they said the credit cards like Synchrony, XXXX or whatever with the Amazon name has nothing to do with them. I am at my wits end this is FRAUD and it's going on my credit report and I do not want anything to do with this company they need to make sure there are NO cards with my name on it and they need to take care of these fraudulent charges. Thank you for any and all help
Consumer complaint received 2021-09-23
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: BMW Financial Services NA, LLC (PA)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have a loan with BMW FIN SVC. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report and I do not believe I was late on the dates they are reporting. I tried contacting the 3 Credit Bureaus requesting a complete payment history with this account for me to review the exact date on which the late payments were posted but no successful resolution. There was definitely an error on their part. Please report the payment status positive and update all late from reporting on this account.
Consumer complaint received 2022-10-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: TRUIST FINANCIAL CORPORATION (TN)

Back in XXXX I received a check from an employer. I thought it would be a good idea to open a bank locally so I opened an account with Truist bank and decided to cash my payroll check with them. I opened an account with the XXXXXXXX XXXX XXXXXXXX XXXX location. When cashing the check they deemed the check as fraudulent even though the check was not fraudulent by any means. They closed the account and blocked me from having any access to this account. Due to the fact that this occurred the employer sent my last paycheck via XXXX to ensure that something like that wouldnt happen again. From what i understood this cash was voided out and not deposited in my account. I was wrong. I received a statement from Truist bank that the funds had in fact been deposited into the account. I spoke with the employer who issued the check and he confirmed that the funds were withdrawn from his account in XXXXI spoke with the customer service representative over the phone and they advised me that I would have to speak with the banker. So I spoke with the banker his name was XXXX and he advised me that he would work on finding a solution to the issue. Ive called back frequently and every single time Ive spoken to XXXX he has been very rude and is not taking the issue seriously. It has been over a month and I have still not received a resolution. My now XXXX dollar balance is down to XXXX dollars because every single month I am being charged a XXXX dollar maintenance fee on an account I no longer have access to and funds I have never had access to. I refuse to pay fees on an account I have not had access to. The full XXXX needs to be sent back to the employer or I need to have access to the funds so that I can send the money back to the employer.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I sent a certified letter to TransUnion that was picked up from a postal facility at XXXX XXXX on XX/XX/2024. Within the letter, which I've also filed with the CFPB as a complaint with TransUnion, I told them of two hard inquiries which were unauthorized by me. The first, XXXX XXXX on XX/XX/2024, and the second, XXXX XXXX on XX/XX/2024. I am attaching a copy of an Identity Theft Report to this complaint, as well as a copy of my passport and a copy of a bill showing my name and current mailing address. Please remove these hard inquiries immediately.
Consumer complaint received 2023-04-01
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. (CT)

On XX/XX/XXXX I wrote a letter asking the credit bureaus to investigate this account XXXX XXXX XXXX  Account Number XXXX but I recently noticed another today on my XXXX credit report by XXXX XXXX Account number XXXX on my credit report because I saw several errors on my credit reports far as names, addresses, numbers and employers.I seen 2 weeks passed I didn't hear a response I figure it maybe got lost in the mail so I sent it certified mail I have the reciept with the tracking number that I will upload, The credit bureaus have yet to respond and it has been more than 30 days and I have not gotten one piece of mail with a response also I was currently incarcerated and did not come home until XX/XX/XXXX these account where open while I was incarcerated how is that possible this grounds for removal.They also violated my rights under 15 U.S.C 1681 Section 602 A and 15 U.S.C 1681 Section 604 A Section 2. The Law clearly states I have the right to privacy and states that a consumer reporting agency can not furnish an account without my written consent or instructions. I have not given these accounts written permission to furnish these accounts on my credit report.
Consumer complaint received 2022-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXXXXXX XXXX had a fraudulent account linked to my name. I contact the bank and resolved the issue. I then filed a TransUnion dispute on XX/XX/2022, which was resolved on XX/XX/2022, and stated that the account would be removed from my credit report. 
TransUnion dispute XXXX. As of today, XX/XX/2022, the item still appears on my credit report. [ Please note that both XXXX and XXXX appropriately removed it ]. I contacted Trans Union support and they were unable to help me.
Consumer complaint received 2022-12-02
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. (AR)

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to update/correct this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint and I'm including it again. 
XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-23
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: Experian Information Solutions Inc. (IL)

XXXX-after review of my credit report and noticing inquiries that I never authorized, I made contact with the respective creditors first to get additional information and to request that they remove the inquiry and was informed to contact the respective credit bureau to dispute the inquiries. I've since contacted the respective Credit Bureau and was advised by them to contact the creditor to have them remove the inquiry ... so I'm getting the run-around. The inquiries in question-XXXX, XXXX, AND XXXX.
Consumer complaint received 2021-07-23
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated (NV)

The Way2Go  Card is a new way to receive a Nevada Unemployment benefits. On XX/XX/XXXX I called XXXX to speak with a Go Program Customer Service representative about an ATM withdrawal ( in-network ) fee. Based on " XXXX XXXX  Prepaid Mastercard Card Terms of Use '' ( version XXXX ) which was sent with a card : " There is no fee for in-network ATM withdrawals conducted at XXXX and XXXX ATM locations. In-network locations can be found at XXXX XXXX XXXX and XXXX. When using your card at an ATM, the maximum amount that can be withdrawn from your Card account per calendar day is {$500.00}. ". 
On XX/XX/XXXX I tried to withdraw money at locations found on moneypass.com/atm-locator.html which was : 1. XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( card was not accepted ) ; 2. XXXX at XXXX XXXX XXXX, XXXX XXXX, NV XXXX ( ATM charges an additional fee ) ; 3. XXXX at XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX, NV XXXX ( ATM charges an additional fee ). 

When you receive an unemployment benefits every penny is important and you expect to have easy access to full amount received to your account, but a " List of all fees for Nevada Way2Go Card Prepaid Mastercard '' is misleading customers. You would think a fee for an ATM withdrawal ( in-network ) is {$0.00}, but you are wrong. You will be charged an additional fee. This card is for an unemployment benefits and we want an easy and free access to our money. Looks like the only way to get a full amount of benefits for free is at teller-assisted cash withdrawals Mastercard Member Bank or Credit Union teller window.
Consumer complaint received 2021-04-14
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc (NV)

Received text message with security code on my phone Sunday morning. I do not have an account with Chime. I tried calling and emailing, spent most of Sunday trying to resolve problem. Never happened, their agents stopped responding. Tried calling, no luck got cut off every time in the middle of a call. No one called back. Was told 5 times they would respond Never heard back. Called Monday, they said I would hear back within 24 hours, never heard back. Called today and was cut off three times, Finally was told the owner of the account would have to remove the number. I sent them my bill showing ownership of the phone #. Not good enough. 
Horrible service, lies and incompetence at every level. 
I do not or have ever had an account with Chime, I want my number removed from this account. 

Thank you XXXX
Consumer complaint received 2022-12-15
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: Amsher Collection Services, Inc. (TX)

A creditor XXXX XXXX XXXX  erroneously reported a false account under my name to AMSHER Collection Agency who reported me to all the XXXX credit agencies resulting in a negative remark on my report. I have never used the XXXX XXXX XXXX  and I was never notified by the above mentioned collection agency. I called XXXX XXXX who admitted the error and XXXX XXXX was willing to credit back and close the account but XXXX XXXX was unable to do so because the account was already in collection. I reached out to AMSHER collection agency who have never notified me about their actions and they have already sent my case to XXXX XXXX XXXX XXXX XXXX XXXX. I disputed the account with all the three credit agencies and with AMSHER and the attorney office. XXXX and XXXX completed the investigation and concluded the account was reported in error and deleted it from my report but unfortunately XXXX did not perform accurate investigation and continues to have this account in collection.
Consumer complaint received 2021-07-23
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)

XXXX-after review of my credit report and noticing inquiries that I never authorized, I made contact with the respective creditors first to get additional information and to request that they remove the inquiry and was informed to contact the respective credit bureau to dispute the inquiries. I've since contacted the respective Credit Bureau and was advised by them to contact the creditor to have them remove the inquiry ... so I'm getting the run-around. 

The inquiries in question-XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, AND XXXX
Consumer complaint received 2019-07-21
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: U.S. BANCORP (VA)

Hi, We have been contacting US Bank for over 2 1/2 years trying to get this resolved. Our lease is ended in the next three months. We have filed a complaint previously in which they have responded but never followed through with it. Our bill still does not reflect the correct amount.

They stated that it could take up to 10 weeks. It has been over 16 weeks and still no change. 
Our past complaint id is XXXX. 
Please help us. It is XXXX XXXX XXXX that they are charging us for taxes for a county that we do not live in. We have tried called weekly and get no where.
Consumer complaint received 2023-04-01
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Stillman Law Office, LLC, Farmington Hills, MI Branch (MD)

On XX/XX/2XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX  ) through XXXX XXXX XXXX and STILLMAN LAW OFFICE LLC filed, without any attempts to deliver notice to me that I may have sufficient time to answer in a timely manner, a civil action filed with subterfuge in violation of State and Federal law. If not for the receipt by USPS mail of an unsolicited advertisement from a XXXX, Maryland area attorney, I would have not know about the civil action XXXX, XXXX, and STILLMAN caused to be filed in the DISTRICT COURT OF MARYLAND FOR XXXX XXXX four hundred thirty ( 430 ) days after the statute of limitations had expired.