davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-07
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. (AZ)

Our email system at my work was hacked and someone sent me an email from the employer owner account email and pretended to be the owner of the company that I work for. They indicated they were in a meeting and needed me to purchase XXXX XXXX Cards for some of our business partners in the meeting. 

Believing it was the owner, I went to a grocery store ( XXXX XXXX  ) and purchased 11 gift cards at {$200.00} dollars a piece for a total of {$2200.00} on my Citi Mastercard. The exact transactions were made on XXXX. The amounts were as follows : {$200.00}, {$400.00}, {$400.00}, {$400.00}, {$400.00}, {$400.00}, {$400.00}. 

I sent 5 of the gift card codes to the person that was impersonating the owner of my company. Halfway through sending these codes, I decided to stop and check with my boss as it seemed like an unusually high amount. He told me that he believed at that point that we might have been hacked. At that point I didn't send the other 6 codes for the {$1200.00} worth of gift cards. 

At this point, I IMMEDIATELY called Citi and let them know what had happened and asked them to try to cancel the transactions. Unfortunately, instead of simply trying to cancel the transactions -- they didn't try to cancel them because they were more concerned with confirming my identity. 

I had made similar purchases on another credit card ( Visa XXXX XXXX ) and called them after I got off the phone with Citi. They were actually able to cancel 4 of the 5 transactions even though I had called them AFTER I had called Citi. Which leads me to believe Citi could have cancelled some, if not all of the transactions. Also, Visa XXXX XXXX filed a fraud claim report right away. Citi, because they said they couldn't confirm my identity without sending me a letter in the mail -- didn't file my fraud claim report until about 2 weeks later. 

A few hours later, with the help of my employer -- I filed a police report and also an FBI report. The police report number is XXXX. I gave this police report number to Citi and Visa XXXX XXXX. 

Visa XXXX XXXX, said they would not make me responsible for the charge of {$400.00} until they had wrapped up their investigation which they concluded after about 3 weeks. The result was that because of our employer email account being hacked, they weren't hold me liable for the charge. 

On the other hand, Citi Mastercard concluded their investigation in about 6 or 7 days and sent me a letter saying I was liable and that I needed to pay the entire {$2200.00} immediately by the due date for my statement. I had to consult an attorney who told me to call them back and have them reopen the case as it was my legal right. They were reluctant to do so until I told them I would be filing a complaint.
Consumer complaint received 2021-07-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BARCLAYS BANK DELAWARE (FL)

Hello, My name is XXXX. I would like to file a complaint against Barclays. I recently opened an account with them. After I opened my account I requested to transfer a credit card balance from a different bank. After I requested the first balance to be transferred from another credit card that belongs to a different bank, I requested a second balance to be transfer. The same day or the day after I decided that it was not necessary to transfer both balances, so I decided to cancel one of the transfers or the second balance that I requested. I spoke with a representative before both transfers were processed to cancel the second credit card balance transfer. At the end of the call, he told me that the second balance transfer was cancelled and only the first one was going to be processed. A couple of days after I receive a notification that my bank statement is XXXX instead of the XXXX that I requested. I called the bank to find out what happened, but they were not able to give me an answer. The manager who I spoke to mentioned that they were going to investigate and get back to me. She originally tried to dispute the transaction as fraud, but I explained to her that it was not fraud because I made both transactions, but I called after to cancel one of them to prevent the transaction from being processed. I did what I was supposed to do. Then, she mentioned that a letter was going to be sent to me with an answer within 10 days, but I recently noticed that she added the original balance of XXXX to my bank statement on top of the balance that was mistakenly sent before, meaning XXXX plus XXXX. I am not able to buy anything because I do not have any credit available. I explained to them that it is not my responsibility to deal with the consequences of this error because I did my part to make sure that this did not happen. I would like my bank statement to be as it is supposed to be. In addition, it is hurting my credit because it indicates that I utilized more credit than I actually did. To add, my credit went XXXX points down, and I am not able to pay my bills on time because I get rid of my other cards to be able to use this credit card only. Please advice. 

Thank you.
Consumer complaint received 2020-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

We refinanced our home in XXXX. The new mortgage company paid off {$250000.00} via wire transfer that was completed XX/XX/XXXX. XXXX XXXX reported us 30 days late even though the wire transfer had been confirmed as received before XX/XX/2020. 

We hired an credit repair attorney to get the incorrect information corrected and the credit bureaus refused to correct the information as well as did XXXX XXXX. I was told I would need to file a law suit against the bureaus by the credit repair company.

A few other things are worth noting : 1 ) the credit file is reported incorrectly - reporting XXXX XXXX as currently late with a XXXX balance. 
2 ) I called Transunion and XXXX  in XXXX and they customer representatives told me there was no lates on my file in relation to XXXX XXXX, but it shows when my mortgage company pulled my credit file shortly after in my efforts to obtain a new mortgage. 
3 ) I have documentation proving that XXXX XXXX had received the payoff on the XXXX, before the 30 day late marker.
Consumer complaint received 2018-04-09
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Northland Group Inc (MA)

This company has no legal right to collect any debt they are claiming. They have left harassing phone calls and called from a block number stating that they would ruin my credit and sue me, and attach my XXXX pay
Consumer complaint received 2015-09-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BB&T CORPORATION (VA)

I received a letter dated XXXX XXXX, 2015 from BB & T bank informing me that my " hazard insurance '' has expired and that BB & T plans to buy insurance on my property which I will be required to pay for. My property is, has been, and will be covered by a Homeowners policy which names the BB & T mortgage as being covered. This policy is paid by an automatic draft on my BB & T checking account and is and has been up-to-date. I contacted BB & T on XXXX XX/XX/2015 to inform them of their error and give them complete details of my insurance coverage of my mortgage ; and a follow up on XX/XX/XXXX2015. I have yet to hear anything from anyone at BB & T.
Consumer complaint received 2022-02-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (WA)

I purchased a kitten on XX/XX/XXXX from an online breeder. Sadly, it turned out to be a scam. The kitten was and transportation totaled {$1900.00}. After months of fighting for any information from my bank, XXXX XXXX XXXX XXXX XXXX XXXX XXXX has now disclosed that the funds sent via XXXX went to a Wells Fargo account. XXXX XXXX XXXX is stating that Wells Fargo refused to provide the funds back or freeze the funds even after Wells Fargo was informed that they were scam funds. As this is scam and the kitten was not shipped, Wells Fargo should have provided the funds back to XXXX XXXX XXXX or at least frozen them until such time as an investigation could be done. They were notified before I told the breeder I had figured out this was a scam and so the chance of recovery was lost when Wells Fargo declined to freeze or investigate. Due to Wells Fargos lack of action, the funds at this point will not be recoverable.
Consumer complaint received 2020-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NV)

We refinanced our home in XXXX. The new mortgage company paid off {$250000.00} via wire transfer that was completed XX/XX/XXXX. XXXX XXXX reported us 30 days late even though the wire transfer had been confirmed as received before XX/XX/XXXX. 

We hired an credit repair attorney to get the incorrect information corrected and the credit bureaus refused to correct the information as well as did XXXX XXXX. I was told I would need to file a law suit against the bureaus by the credit repair company. 

A few other things are worth noting : 1 ) the credit file is reported incorrectly - reporting XXXX XXXX as currently late with a XXXX balance. 
2 ) I called XXXX and XXXX in XXXX and they customer representatives told me there was no lates on my file in relation to XXXX XXXX, but it shows when my mortgage company pulled my credit file shortly after in my efforts to obtain a new mortgage. 
3 ) I have documentation proving that XXXX XXXX had received the payoff on the XXXX, before the 30 day late marker.
Consumer complaint received 2020-12-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC (NY)

NTL Recovery Agency, XXXX XXXX XXXX, XXXX, PA XXXX has made a derogatory claim against me for not paying the sum of {$260.00} to XXXX  XXXX. I contacted them by telephone on XX/XX/2020 and attempted to explain that I have never received a writing from their company to provide me with an opportunity to verify the accuracy of their allegations, that I am not indebted to XXXX  XXXX, I am not indebted to NTL Recovery and they have damaged my credit standing by falsely alleging that I am delinquent on a debt which I am not obligated to pay. 

They told me that I can either pay the debt or sue them. I asked for a supervisor. They kept me on hold for about twenty minutes, then disconnected the phone.
Consumer complaint received 2020-12-09
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. (IL)

I recently sent letters over 60 days ago to the bureaus and they are disregarding a regular consumer dispute. I am beyond stressed and at my wits end. I have been sending letters before this and still they have not sent a response. Please help its having a huge damaging effect on my credit report and score.
Consumer complaint received 2022-02-02
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: U.S. BANCORP (GA)

THIS IS NOT A DUPLICATE COMPLAINT. MY COMPLAINT WAS CLOSED AND I DISAGREE WITH THE RESOLUTION. I AM A CONSUMER AND ELAN FINANCIAL HAS VIOLATED MY CONSUMER RIGHTS AND HAVE ADMITTED TO SUCH. 

Recently, I, XXXX XXXX, was denied an extension of credit by Elan Financial. On XX/XX/2021 I submitted credit card application, I applied for a Fidelity XXXX XXXX Card As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. 

Pursuant 15 U.S Code 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1691 ( K ). Elan Financial has violated my federally protected consumer rights : 15 U.S Code 1642 15 U.S Code 1681M 12 CFR 1002
Consumer complaint received 2020-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/2020 I was notified that an update to my credit file with XXXX XXXX regarding my JP Morgan Chase Bank account would be negative to my overall credit. I am a co-applicant on a home loan. The other co-applicant filed chapter XXXX bankruptcy on the loan. On XX/XX/2020 it was reported that comments were added to the account stating the following " Chapter XXXX bankruptcy, Paid or paying as agreed ''. I have never been late on this loan and I myself have not filed bankruptcy. I would like all mention of " Chapter XXXX bankruptcy '' and any connection to a bankruptcy removed as it is no reflection on myself. 

I am not sure if JP Morgan Chase Bank added those comments to XXXX, or XXXX. But if so would like those removed as well.
Consumer complaint received 2019-08-27
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. (PA)

I paid a {$2500.00} deposit for a new swimming pool liner ( installed ) with a Citi Bank Master Card. The liner was to be finished in 3 weeks. XX/XX/2019 After 2 months, the liner was not even made. I asked for a refund and the vendor said he did not have my money. I disputed the charge with Citi Bank, who sent me periodic e-mails stating they were investigating my dispute. Finally, they said the vendor told them he had completed the work, so without checking with me, they closed the dispute. I got a signed letter from another pool service stating the work was never done and re-opened the dispute. Citi Bank now says too much time has gone by, and they can not help me. It was Citi Bank that wasted all the time.
Consumer complaint received 2022-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

On XX/XX/2022, I sent a letter to Experian via certified mail with tracking number : XXXX in regards the inaccurate information on my report. I have not yet received any updated information regarding the investigation into the account. 

Experian is the only credit reporting agency with inaccurate information about the account in question. If each credit reporting agency is getting their information from the original creditor the account should be in good standing across the board. 

So why has Experian reported inaccurate late payments to the account. I have never been late, as the loan was and still is in forbearance. Please delete the late payments and update the account and credit report. This tells me that Experian obtain it's information elsewhere, not from the original creditor. 

This is a clear violation of my right to have all information on my consumer report be % 100 accurate according to the FCRA, or the inaccurate information must be deleted. I only want the late payments deleted not the account.
Consumer complaint received 2022-05-02
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The CMI Group, Inc. (NC)

on XX/XX/XXXX XXXX XXXX XXXX  had over charged me for the high speed wifi internet service and TV services that they had already cut off in the amount of {$780.00} and has sent it to a credit debt collector and the Name of the debt collector is credit management LP file number and date is XXXX XX/XX/XXXX and i had returned there aqminte router and moutom XX/XX/XXXX and i told them that i say with my mom and that she is not working and is on social security and has a mortgage to pay every month and gas and light and water bill to pay and i am unemployed right now and in the future or until i find some how well get me employed and most of i can't afford to pay {$780.00} or what not or no money at all right or in the future because of that so can someone in consumer finance.gov help me with this case or what not as soon as possible it is important thank you
Consumer complaint received 2019-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

WHY DID ONE ACCOUNT OF XXXX XXXX XXXX COME OFF OF MY REPORT? YET THE OTHER STAYED ON THERE. PLEASE REMOVE THE NEGATIVE CLOSED OFF ACCOUNTS FOR XXXX XXXX XXXX AS FOR IT IS REALLY AFFECTING THE STATE OF MY CREDIT HEALTH. THESE ACCOUNT S WERE OPENED ON XX/XX/XXXX AND XX/XX/XXXX. WITH BALANCES OF XXXX AND XXXX.
Consumer complaint received 2021-07-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc. (GA)

This debt is illegally being reported to my XXXX  and XXXX  Credit File. I do NOT have any contracts between myself and _____ ( debt collector ) They have failed to provide documentation that the debt is legal. 

The company in which my original account was created SOLD the debt to this collector therefore, having sold the debt and leased the premises out after moving they are not legally allowed to collect on a unit that is now occupied. 

This debt is not valid, as I was allowed to terminate our lease due to distress created for my family by administration of this facility. 


What I want? 

I want this debt listed by XXXX immediately removed from all of my credit profiles. 

They will ask have you tried to resolve this issue with the company. 

I have tried to resolve this and they are unable to verify that I have a debt / document with their company. 

That should be it. Make sure you put your social and email so they can respond and notify you of updates.
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. (NY)

In accordance with the Fair Credit Reporting act XXXX  Accounts " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX US BUS ADMIN ODA , 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
Consumer complaint received 2021-09-10
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (KY)

I had a mortgage with Amerihome and it was sold to XXXX XXXX on XX/XX/XXXX. After confirming the amount of my escrow transfer with XXXX XXXX, I noticed a discrepancy. After reviewing the Annual Escrow Account Disclosure Statement from Amerihome, I noticed that Amerihome took FHA MIP, which is {$190.00} a month, twice in XX/XX/XXXX. I have called Amerihome at least 5 times regarding getting {$190.00} refunded to me and I am told it is not possible or that I need to call XXXX XXXX to ask for the refund. This FHA MIP was taken out by Amerihome ( before the loan was sold ) so it is their responsibility. Also, each time I call, I ask to speak to a supervisor, and I am told that a supervisor will call me in 3-5 business days and I do not receive any call backs. I need help getting this money refunded back to me. 

Thank you, XXXX XXXX
Consumer complaint received 2020-12-09
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: Millco Management (FL)

I have filed a dispute on XX/XX/2020 in regards to the incorrect items on my credit report, it has been well over 30 days and haven't received any investigation results.
Consumer complaint received 2021-07-07
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (MI)

I have multiple credit cards via comenity bank. Today specifically I had issues with XXXX  and Victorias Secret. I knew my payment was due today, XX/XX/XXXX. Im out of town and forgot my date book but knew the payment was due by XXXX. I had someone get my password and logged in at XXXX to make the payments. I was unable to pay today. The only payment option was tomorrow-which is late. I get electronic statements and dont recall being informed of this time change. The reason I was aware of XXXX is because I logged in to make a payment before and was considered late even though I was paying on the due date. That time I sucked it up but this is ridiculous. My car loan, mortgage, major credit cards dont engage in this ridiculous practice.
Consumer complaint received 2021-07-07
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: CAPITAL ONE FINANCIAL CORPORATION (MI)

To Whom it may concern : Pursuant to Title 15 usc 1681a ( 2 ) ( b ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of the credit card or similar device shall be excluded from the consumer report. The term credit card as defined under title 15 usc 1681 states any card, plate, coupon book, or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. The credit card being my social security card. Notice Congress said ANY card. This is the card I used to originate every consumer transaction below. They along with each inquiry should be excluded from my consumer report pursuant to 15usc 1681a ( 2 ) ( b ). I am demanding that you remove these transactions from my report immediately as they are in violation of my rights as a federally protected consumer under title 15 chapter 41. I am also demanding that I be compensated pursuant to 1681n ( a ) ( 1 ) ( b ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;
Consumer complaint received 2022-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CO)

In XXXX XXXX I sent a letter to Experian regarding 7 accounts they are reporting inaccurately and its severely affecting my credit score. They are in FCRA Violation. Payment statuses are to be the CURRENT payment status. They are reporting paid/ontime accounts as delinquent. Ive included the letter I sent them, as well as a copy of my credit report for ALL SEVEn accounts. 

They have not responded, they have not notified me of an investigation, nor have they corrected any of these accounts.