davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-18
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (CA)

On XXXX XXXX I received a notice from XXXX XXXX XXXX stating that Walmart/Synchrony XXXX had turned my account over to them. I called them on XXXX and discussed payments arrangements to begin paying back the debt owed. They set up me up on a 6 month payment plan where the payments were pre-authorized. 
I then received a notice dated XXXX/XXXX/XXXX from a different collection agency for the same account. XXXX XXXX XXXX XXXX stating that the amount due is now {$220.00} with an overall balance higher than the XXXX notice stated. I look at my account online and found that Synchrony Bank had been charging me a {$38.00} late fee each month of the payment plan I entered into with XXXX XXXX XXXX. When I called Walmart/Synchrony they stated that the payment amount I set up with XXXX XXXX XXXX was less than the minimum due and that 's why I was being charged a late fee each month. 
It does n't seem legal to me to turn my account over to a collection agency and still charge me a late fee each month. How is someone every supposed to pay off this debt especially when they 're trying to work with the company that the account has been assigned to. At no point did XXXX XXXX XXXX explain to me that the payment amount would n't be satisfactory or that I would still be charged a late fee each month. 
Not one person in Customer Service ( even a " manager '' )  seemed to understand that this does n't make sense. I informed them that I would be filing a complaint. 
In the meantime my account is still reported late each month which is further ruining my credit I 'm trying to repair.
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

There are accounts under my name that are a result of Identity Theft as well as inquiries in which I have no direct engagement. I have already filed the proper documentation for these and have sent it to the bureaus but they did not remove them. 
Please see the attached documents for these accounts I am complaining.
Consumer complaint received 2021-09-06
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. (OH)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2017-10-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (MI)

My account is with XXXX XXXX XXXX It is XXXX card. I set up the account so that I could pay it on line. When I went to pay the bill this month, the website would not let me pay it. I mean that when I clicked on the tab to pay it nothing happened. I tried several time before I called the number on my card. The automated system on phone asked if I wanted to pay a bill, I tried that. Again I was not successful. I finally went to a customer service representative who allowed me to pay the bill. I payed the bill in full. I then closed my account. Now I have an interest charge of {$29.00} on a closed account that is closed and has a XXXX balance. I am also informing XXXX XXXX XXXX of my action here so that they are aware.
Consumer complaint received 2020-07-12
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)

XX/XX/2020 Chase Bank Account Inquiries XXXX XXXX XXXX XXXX XXXX, NY XXXX Dear Sir or Madam : I am writing to dispute a billing error in the amount of {$120.00} on my account. The amount is inaccurate because it was a fraudulent charge that was returned by XXXX on XX/XX/XXXX. 

Two fraudulent charges were made on the website XXXX both for {$120.00}. I contacted both my credit card company ( Chase Bank ) and XXXX XXXX the merchant ). Initially both refunds were issued and all was well. 

In XXXX, Chase Bank returned one of the {$120.00} charges to my credit card and I was forced to pay. I contacted XXXX and they said that they issued two full refunds and that the issue was with Chase Bank. 

Two refunds were issued by XXXX and Chase Bank only gave me one of the refunds. 

Multiple calls and messages were sent to Chase Bank to resolve the issue. Only automated responses were received. No attempt was ever made by Chase Bank to resolve the issue. A Chase bank representative said they would forward the information to the correct department, but no further contact was made. 
XX/XX/2020 - Call and message XX/XX/2020 - Message XX/XX/2020 - Call and message XX/XX/2020 - Call and message XX/XX/2020 - Message XX/XX/2020 - Message Enclosed are the two refunds, both for {$120.00} by XXXX on XX/XX/XXXX, My credit card statement and the details of the transaction in dispute from Chase Bank. 

Please investigate this matter and correct the billing error as soon as possible.
Consumer complaint received 2017-10-18
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: FIFTH THIRD FINANCIAL CORPORATION (WA)

This is a resubmittal of additional information related to Complaint # XXXX. 

Here is the original text of that complaint : I have a credit card issued by XXXX. This card was hacked in XX/XX/XXXX/XX/XX/XXXX. When I looked at my XX/XX/XXXX statement I saw a charge for {$110.00} that I didnt recognize. I called XXXX in early XXXX and said it looked like another fraudulent charge, similar to the several charges from the hack. XXXX issued a credit and filed a chargeback to the other company involved, Fifth Third Bank. However, a few days later I realized that the charge was in fact legitimate and contacted XXXX. They did the required paperwork to release the funds to Fifth Third Bank. This was in XX/XX/XXXX. 

I thought the matter was completely settled until I was contacted by the merchant ( XXXX XXXX ), as well as the merchants credit card servicing company ( XXXX ) in early XX/XX/XXXX. Both entities told me that the funds were never released by Fifth Third, and that I needed to pay XXXX XXXX in cash. I apologized for the delay, but explained that XXXX had released the funds in XX/XX/XXXX. Since then Ive been in frequent contact with XXXX, XXXX, and XXXX XXXX. XXXX and XXXX both told me I need to contact Fifth Third Bank to get my money back. 

I tried both emailing and calling Fifth Third Bank - horrible experience with zero results. XXXX told me today that I may have to take legal action to get my money. Based on the many negative reviews on multiple websites, this is a company that should no longer be in business, and perhaps a large class action lawsuit would be just the ticket. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Subsequent to filing the original claim, and seeing that Fifth Third Bank has denied TWICE that this is their problem, I am providing additional information and documentation. 

1. Screenshot of a secure email from XXXX indicating the funds were released to Fifth Third Bank on XX/XX/XXXX. 
2. Screenshots of emails from XXXX also indicating that they had completed the paperwork to have the funds released back to me -- and to contact Fifth Third Bank.
Consumer complaint received 2021-09-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: AMERICAN EXPRESS COMPANY (NY)

Called today to make claim for lost item and no one was there to take my call - referred me to internet after XXXX XXXX and switching me 3 times and then to wrong department. 

Purchased sunglasses on XX/XX/ and lost them on XX/XX/. Claim # XXXX was generated at AMEX but it wouldn't let me finish the claim. So now I am out {$140.00} which should have been covered under their loss protection plan. Yet no one to speak with and left out in the cold with this online claim program. 

I pay A LOT of $ $ $ $ for this AMEX, ask for very little and get even less in return. 

Please help.
Consumer complaint received 2020-04-23
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. (AR)

I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back too high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report.
Consumer complaint received 2017-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Strategic Automotive Servicing, LLC (TX)

Strategic Automotive transferred my auto loan with XXXX XXXX back to XXXX XXXX per my request but this company has their auto loan still open on all XXXX of my credit reports which looks as I have XXXX open auto loans amounting in total of over {$22000.00} and it looks like my monthly payments are a total of {$940.00}, double the monthly note and loan.
Consumer complaint received 2022-01-07
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. (OH)

I ATTACHED MY PERSONAL IDENTIFICATION WHICH IS MY BIRTH CERTIFICATE AND PROOF OF ADDRESS TO THIS COMPLAINT The following accounts are being reported onto my consumer report illegally and without my consent. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX *Please see attached documentation
Consumer complaint received 2020-07-12
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: CBC Companies, Inc. (OH)

contacted the credit and to notify them of the fraud on my credit report. they werent attempting to help me solve the problem and get the items removed as they should be. The accounts are hurting me and not being able to obtain credit at this time due to the enormous amount of the accounts and they keep saying the claims are frivolous or cant identify me when Ive mailed them my id and social security card multiple times please help me solve this issue please Ive attached my social and my drivers license
Consumer complaint received 2020-04-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (FL)

In XXXX of 2019 without my approval Amerihome mortgage started withdrawing electronic payments from my bank, XXXX XXXX. At the same time they continued to send me paper mortgage payment bills. I didn't notice the additional payments on my bank statements until they increased the amount due to an escrow shortage. I only glanced at my bank statement amounts and the payees, since I have only about five people I make payments to a month. Most of these additional payments were spaced out between my regular payments. I asked Amerihome for proof showing where I asked them to make these automatic withdrawals which they have never done. Amerihome has told me I made the request electronically and they sent me a copy of a confirmation, which I have never been able to find on my computer. When I called Amerihome to have them refund the excess payments I was told they applied them to my principal and they would make no refunds. I have reviewed all the payments I've made and the elctronic payments taken by Amerihome. There is one payment I have made that they have recorded but have neither applied to my principal, or future payments. I've made a spreadsheet recording each payment I've made, the electronic payments and where each is recorded. I sent this to Amerihome and have not heard any response to my comments. What happens when I send correspondence to them any response they make is not at all related to my queries. I don't know if they are trying to play a switch and confuse, or what their game plan is but I see their actions as fraudulent. They are telling me my next mortgage payment is due for the XXXX payment, by my calculations, noted on the spreadsheet, my next payment is due for the XXXX payment. I would like Amerihome to either take action to correct this by either applying the last payment to the XXXX payment or refund it to me. The sum is {$930.00}. I have paid my escrow shortage to help eliminate any confusion on their part, since they can't seem to follow simple instructions. If I had one person I could talk with at Amerihome who had some authority I truly suspect some of this possibly could have been eliminated, but they way they do business they shuttle you to different people every time you call or write a complaint. 
I will attach all my correspondence I've had with Amerihome, copies of all my statements and a PDF of the spreadsheet I've prepared and sent to them. 
Short of legal action against them this is my last recourse. 
Thanks, XXXX XXXX XXXX
Consumer complaint received 2019-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I saw a notification from my credit monitoring service today XXXX/XXXX/19 saying that there was a Bankruptcy on my credit report ; I had no idea that these things were on my credit because they do not belong to me. I have never filed for Bankruptcy in my life. I have no idea who these accounts belong to ; I believe that this Bankruptcy was clerically filed in error and needs to be removed from my credit report. I have already filed a police report regarding this incorrect information on my credit.
Consumer complaint received 2017-06-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EOS Holdings, Inc. (NV)

I had a mobil account with XXXX in XX/XX/XXXX. I lost my account due to FBI wanting my phone shut off in the state of TN. XX/XX/XXXX I was put into XXXX XXXX XXXX TN and I worked the debt off. XXXX  contacted me while i was there paying my debts with forced labor. In XX/XX/XXXX I was informed that i no longer owed XXXX anything, that everything had been paid in full, both accounts. <P/>XX/XX/XXXX I walked into an XXXX store here in XXXX XXXX Nevada and opened a new account, without a deposit for the account. <P/>Why do they still have an charged off account on my credit report from EOS CCA? I do not owe XXXX any money for my previous accounts. I 'm up to date on my current account. <P/>I 've been having problems with FBI/CIA blackmailing my creditors to keep false information on my credit accounts. I hired lawyers two years ago the fix this problem, but some creditors still keep listening to FBI/CIA. If yo look at my credit report, one month they show up, report for a while, then disappeare. years later, they show up again. Blackmailed by FBI/CiA. What was the since of working for free in XXXX XXXX in TN. It has n't taken my debt off my credit report. TN, FBI, CIA needs to be investigated for bothering peoples credit!
Consumer complaint received 2021-09-02
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: EQUIFAX, INC. (NV)

FCRA Violations are not mine : Names : XXXX XXXX XXXX XXXX Accounts : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-18
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. (FL)

I've attached document of the inquires that were not mine. I don't know how they got onto my report however it is incorrect. It's negligent of the credit bureau not to remove these even after I showed them proof it wasn't mine. On the other hand they've provided zero proof that it is mine. I've tried contacting the companies but they didn't answer me. Please remove them immediately.
Consumer complaint received 2018-06-04
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Bread Financial Holdings, Inc. (FL)

I was notified by XXXX XXXX  on XX/XX/2018 that they reduced by credit limit. At this time my card balance was XXXX and my previous credit limit was XXXX. XXXX XXXX advised me that because of information they obtained they dropped the credit limit to XXXX which will not only report to the credit bureau as 100 % card usage and also over the limit which will tank my credit report score even more. I am contact XXXX XXXX and they advised that there is nothing they can do they reduced the limit due to the information they obtained.
Consumer complaint received 2017-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (CA)

I opened a secured Discover Card with a {$200.00} deposit. After 7 months, they deemed my account eligible to become an unsecured card and as such, the owe me my deposit back. They claim to have mailed it  ( after 7-10 business day shipping ). I never received it. I called in and told them and they told me to wait another 30 business days for them to process and check to see if I had cashed it. As expected, I had n't and they claim to have mailed another one. After 7-10 days, I still have NOT received it. I called in and they told me my only option is to wait another 30 days for them to process and another 10 to mail. I need my {$200.00} and they are essentially stealing from me. The main demographic for this card is college students or other non credit worthy individuals and this is extremely malicious behavior. I mail using USPS every day and it has yet to fail me. I do not believe the problem is in USPS, I believe Discover is illegally not sending me my check. P lease help me retrieve my money. I can not afford to wait another 30 days for them to correct their own mistake, I need the money to buy my books for school, pay tuition, etc.
Consumer complaint received 2020-04-18
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 — Problem with personal statement of dispute
Company: BARCLAYS BANK DELAWARE (NJ)

I pay my payment to XXXX on line as many people have a problem with their billing system you pay the lease payment on line then they contact you stating the payment did not post and Charge you late payment and reporting late fees I have had XXXX leases for many years never had this problem till I did on line payment they are impossible to reach and give a constant run around its getting extremely frustrating I want theses 4 late payments removed it completely unbelievable why dont they contact people before the 30 days late no they just want to collect late fees its piracy please help me to remove this ASAP unfair reporting
Consumer complaint received 2017-10-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation (MD)

I have asked XXXX to stop calling me from a local phone number. They insisted that it is not them. I have voice messages from them linked to the number. When I call the number it is an actual person 's phone number and she has had the phone number for over 10 years. My payment isnt due until XXXX, and they have been harrassing me all week.
Consumer complaint received 2020-06-22
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Adjusters, LLC (OR)

They said I took out this loan on XXXX XXXX and there's absolutely no way that I could have done that because I live in a totally different state and this loan was taken out in XXXX so how could it have been taken out in XXXX. So they are changing the date to suit them. So I feel that this is discrimination and rasist.
Consumer complaint received 2021-09-06
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: CITIBANK, N.A. (FL)

I opened a Citi XXXX  XXXX Mastercard account in late XX/XX/XXXX. I received an offer confirmation letter dated XX/XX/XXXX stating the following " Effective XX/XX/XXXX, the promotional Annual Percentage Rate ( APR ) of 0.00 % applies to each transferred balance made under this offer until XX/XX/XXXX. '' However, they began charging me interest in XX/XX/XXXX. I contacted the company at XXXX and spoke with XXXX about the error & she said they would not be able to reverse the interest charges unless I printed out a copy of the Offer Confirmation letter account & send it to them through the US mail. Now, they already have a copy of this letter & it is also viewable & available for download on my online account. Please see the attached Office Confirmation letter dated XX/XX/XXXX and my latest statement dated XX/XX/XXXX.
Consumer complaint received 2017-10-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

Bank of America and XXXX Based BOA XXXX XXXX XXXX XXXX XXXX are yet again depriving me of my rights and preventing me from doing the right thing. 

Given the trauma, uninformed staff, its predatory nature, its refusal to allow a supervisor to speak with me, its illegal non-compliance with existing banking law, and the its apparent illegal discrimination against me in banking decisions because of my XXXX I today decided to close my BOA account. 

In doing so I was alerted by XXXX in Nevada that I could not close my account because there was deficit of XXXX dollars listed yet there was no listing of the nearly XXXX dollars BOA has of my money which it is refuses to deposit. Nice scam is you can make it work! 

Anyway I am so tired and traumatized by this whole experience that will be extent of todays post with a great deal to follow in the future. Thanks..