davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-30
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 (FL)

I sent a {$24000.00} that I received from the closing lawyer after my home closing to pay off Barclays, my credit card company based in Delaware. This {$24000.00} check cleared XX/XX/XXXX. XXXX deposited this into someone else 's account ( they wrote an account number on the check that isn't mine ). I spoke with XXXX at Barclays on XX/XX/XXXX and she assured me that seeing as I had all the documentation from the lawyer showing the check clearing that it would be rectified in 30 days at the most. I then received a letter from Barclay the first week of XX/XX/XXXX stating they needed a hard copy of the cleared check and the letter stated this would be rectified in 10 business days. This was nearly a month ago. I spoke to a manager XXXX XX/XX/XXXX and she assured me she was personally escalating this and she would personally see this was resolved by today ( XX/XX/XXXX at the latest ). I received a letter Friday ( XX/XX/XXXX ) stating Barclays is reviewing my account dispute and needs 45 days. I called Barclays today ( XX/XX/XXXX ) and spoke with another manager, XXXX who assured me she was personally escalating this and she would personally see this was resolved. I have been working diligently attempting without success to get MY money. I have spoken with customer service as well as managers. I have provided all the proof they required ( I had to contact the title company and the lawyers office to even be able to access a copy of the cleared check ). This company has made me spend hours and hours of my time without giving me any help to get me my money. My funds are still applied to someone else 's account.. i.e. FRAUD!
Consumer complaint received 2021-02-03
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. (NY)

Disputed a bill from XXXX XXXX that showed up for 3 months in XXXX, marked as delinquent then was somehow marked as payed. I have no record of payment, I have not had a XXXX XXXX account since XX/XX/XXXX. In retaliation for questioning the report, XXXX XXXX has now marked this same account as delinquent for XX/XX/XXXX and XX/XX/XXXX, previously it was marked as paid and closed in XXXX. They have provided no information as to where this account came from, and I have no knowledge of the balance or the service provided.
Consumer complaint received 2017-12-26
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. (CA)

I was shocked when I reviewed my credit report and found late payments on the dates below : Creditor : XXXX XXXX XXXX Account # XXXX I was never 30, 60 or 90 days late in the month of XXXX and XXXX XXXX. 

I 'm not sure how this happened, I have always made my payments on time to you when I received my statements. My only thought is that there was a billing error with my statement.
Consumer complaint received 2017-10-20
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (FL)

I paid my truck off in one lump sum on XXXX XXXX, 2013 I received my original contract stamped paid in full and clear of lien on my title and a congratulations letter for paying it off. After a year or so I noticed it was reported to credit agencies as charged off bad debt. I contacted them and let them know what I saw on my credit report and they said it was a mistake my truck was not paid off I sent them a copy of all my paid off paperwork and they refused to correct it.
Consumer complaint received 2016-10-18
Product: Credit card — 
Issue: Credit determination — 
Company: AMERICAN EXPRESS COMPANY (NV)

Verified with your office about Federal law in place to deal with such conduct Both American Express and XXXX Bank violated such law by refusing to issue me credit card based on loss they experienced with my name over 8 years ago. 
According to your office, 7 years can be reported or acted upon but not beyond. 
My credit score around XXXX which enable me to get credit with other banks. 
Both American Express and XXXX specifically referred to specific loss occurred 8 years ago Sincerely XXXX XXXX
Consumer complaint received 2021-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

XX/XX/2020 Multiple inquiries did NOT count as one when applying for finance or even just a pre approval. 

All below, were posted XX/XX/2020 and I had no idea they were supposed to count as One. 

XXXX XXXX XXXX ( two within the same day ) Coaf XXXX XXXX XXXX XXXX XXXX -- XX/XX/2020 XXXX XXXX XXXX XXXX ( both in the same hour ) I remember these when trying to get pre approved for an auto loan, and was told they should count as One if applied multiple in the same day.
Consumer complaint received 2017-12-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: WELLS FARGO & COMPANY (MO)

I called Wells Fargo because they were offering an opportunity to consolidate your credit cards and make payment interest free for 15 or more months. As part of the application that I did over the telephone, they asked which cards you wanted to consolidate. I told Wells Fargo my XXXX bank card, and my XXXX XXXX. On the XXXX I owned around {$8000.00} and the XXXX card around {$2500.00}. 
I received a letter in the mail tell me my application was accepted and I received a {$2000.00} limit. I did nothing because the card did not solve any of my problems. A week or two later I received a cardI did not use it becauseI didnt need another card I needed to consolidate my bills. I put the card in a draw. I received a bill in the mail from Wells Fargo stating they had paid {$1700.00} on my XXXX credit card. I called them and I was told it was up to me to get the money back from XXXX bank. The most they were willing to do for me was return the {$53.00} they charged me to transfer the moneyonce I return the {$1700.00}. 
I did not ask Wells Fargo to make a payment on my XXXX XXXX, I asked them to pay it OFF. Now I have two bills instead of oneboth of which I cant pay. They also are mess up my credit by using more than of their card. All of which I did not Authorize them to do.
Consumer complaint received 2017-12-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (WA)

I have yet to see the proceeds from my US wire transfer created on XX/XX/XXXX, yet an ACH transfer has arrived and the Coinbase site says the wire transfer was completed on XX/XX/XXXX. They state that Wire Transfers only take a day or two to complete, but it has been two weeks and I have not received my funds. 

The amount was in the thousands and it was sent to my bank on the same account as my ACH, which did succeed, so I know the bank information is correct. I have contacted my bank 's wire department and they have no record of any wires for that amount over the past couple weeks - so it was n't an issue with the account details being incorrect, my bank had n't received any wire for that amount for any account. 

I first contacted Coinbase support via their support ticket tool on XX/XX/XXXX - but only received " canned '' responses for issues totally unrelated to mine. I responded to the ticket several times, and got a different " canned '' response for a totally unrelated issue, and eventually Coinbase stopped responding entirely.
Consumer complaint received 2022-03-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (GA)

Our business checking account with Suntrust / Truist had 43 fraudulent checks processed on our account totaling around {$37000.00} back in XXXX of 2021. Someone falsified our checks and did mobile deposits into their account. Suntrust is denying the clams for no reason. We have spend hundreds of hours talking with Suntrust and no one can help us. 

The falsified checks are not even signed and Suntrust still processed the withdrawal.
Consumer complaint received 2016-02-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LENDER LIVE (CO)

Here in Colorado my mortgage company was bought out by Lender Live last year ( about 11 months ago ). Since then Lender Live 's website has been nonfunctional and erroneous despite my numerous requests that they fix it. The website would not allow me to enter my account numbers properly for some reason. They claimed it was because I have ( and use ) an XXXX XXXX. The result has been my payments are late and Im penalized over their errors. Also I have been told several times for several months ( at least XXXX ) that the problem was being addressed. Most recently when I finally was able to talk to a manager I was told that there was nothing being done to fix the problem. I have been lied to repeatedly and I put in several unanswered requests that a manager contact me. This company has no responsibility for what they say whatsoever. Attempts to contact the company on the phone results in at least 30 min to an hour of time spent and a supervisor or management is almost never available.
Consumer complaint received 2022-09-08
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. (NY)

In the complain XXXX I was told the wrong information was been reported by 3rd party companies but these companies claim that is not true and it is a problem on how Experian is receiving and processing the information. To prove that, they claim the other Credit Bureaus report my name correctly, which is true. 
Experian has not provided any solution.
Consumer complaint received 2021-02-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS) (NE)

Identity Theft 14 Fraudkent Addresses 2 THEFT REPORTS FOR BOUNCED CHECKS FRAUDULENT ADDRESSES MULTIPLE SS NUMBERS ON CONSUMER REPORTS FILED DISPUTES AND VERIFIED ALL ACCOUNTS ON MY CONSUMER REPORTS. 

Chexsystems HOWEVER IS BEING DIFFICULT. THEY WILL NOT UPDATE MY REPORT. THIS PROCESS STARTED ON XX/XX/2020. I HAVE BEEN STRUGGLING FOR 27 months with homelessness. I just got my credit to where I could get an apartment because of the damage they did to my reports. 

I need assistance with getting my report updated. I have filed all reports and notices. I have submitted all proof. The proof I am submitting today to you is minimal from what I have. 

Thank you XXXX
Consumer complaint received 2021-02-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (TX)

i have had problems with identity theft, i asked them to send me any information about this transaction to me, i told them i am a victim of identity theft, but they continued to harrass me with threats, calling my job, to no end.
Consumer complaint received 2024-03-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (IN)

I don't recall having a contractual relationship with this collection company JEFFERSON CAPITAL SYSTEM. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-03-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (FL)

My phone was involved in theft and several XXXX charges were processed using my online credentials before I noticed phone was missing and could lock the phone. Have asked the bank twice to investigate this theft under two separate case numbers and told by employees at my local branch that there would be reimbursement, only to later receive a letter both times that nothing can be done because my online credentials were used in the theft.
Consumer complaint received 2021-03-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (MA)

I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2016-06-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

I am a victim of identity theft and someone stole and used my personal information to open unauthorized and fraudulent accounts. I have been receiving harassing and threatening telephone calls and death threats in regards to unauthorized and fraudulent accounts and debts that do not belong to me. The following accounts listed on my Trans Union credit report are unauthorized and fraudulent : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX County District Court, XXXX County District Court, 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. The following inquiries are unauthorized and fraudulent inquiries : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX XXXX XXXX and XXXX
Consumer complaint received 2021-09-07
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Southwest Credit Systems, L.P. (NC)

SWC stated, SWC will honor Ms. XXXX cease and desist request and will no longer contact her regarding this matter. But they are still indirectly communicating with XXXX regarding my consumer report without my consent. Thats another violation. Not to mention, they said they would honor my cease and desist request, which included my remedy for the damages. I have yet to receive or hear anything. Ive sent emails to XXXX regarding this matter but SWC are refusing to honor my cease and desist entirely. Again, you can not pick and choose what to honor from it. I demand monetary relief for the injuries and I will not stop until I am relieved.
Consumer complaint received 2021-09-07
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

Experian removed an item from my credit report & recently put it back on but didnt follow the law of notifying me in 5days, thats a violation of 605.
Consumer complaint received 2017-10-03
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION (FL)

Sallie Mae XXXX XXXX taken on XXXX/XXXX/XXXX - {$18000.00} balance as of XXXX/XXXX/XXXX Loan taken on XXXX/XXXX/XXXX - {$15000.00} balance as of XXXX/XXXX/XXXX Loan taken on XXXX/XXXX/XXXX - {$16000.00} balance as of XXXX/XXXX/XXXX Loan taken on XXXX/XXXX/XXXX - {$16000.00} balance as of XXXX/XXXX/XXXX I feel that Sallie Mae, along with their partner XXXX routinely engage in unfair, deceptive, and illegal practices I am the primary borrower and my mother is the co-signer. We strongly feel that Sallie Mae mis-represented themselves and had us believe that they were a federal student loan servicer and at the end of graduation, we find out that all of my son 's Sallie Mae loans were private which leaves us in terrible debt along with other federal loans that he also has to pay. 

We are currently in forbearance that will end in early XXXX. According to Sallie Mae, you are put in delinquency after the forbearance period if you can not start paying your regularly scheduled amounts. This is just horrendous not only for me who literally do not make enough in my first job out of college to be able to pay these loans back, but for my parent as well. 

I am also currently also paying other loans. I need Sallie Mae to work with me according to what my currently salary so I can at least start paying back what I can afford to pay back. I 've been told my Sallie Mae that I literally have to be delinquent first, which will ultimately affect my credit, as I 'm just starting out in the corporate world. What are my chances of success if I have to stress so about this currently situation. This is really tough and unfair and clearly I was completely taken off guard when I found out these were all private loans when all along we thought they were federal and under XXXX. 

We need alot of help with this student loan crisis which not only affects me, but includes millions of other young people.
Consumer complaint received 2022-09-08
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. (WI)

on XX/XX/XXXX and XXXX of XXXX, there appears to be XXXX fraudulent hard inquiries on my credit report. The following inquiries are fraudulent .... XXXX XXXX XXXX XXXXXXXX XXXX, and XXXX.
Consumer complaint received 2022-03-10
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX, a credit card charge for {$310.00} was posted for an order I made from XXXX. On XX/XX/XXXX, after many attempts to contact the vendor, I still had not received the goods, so I disputed the charge with Bank of America and received a credit for the {$310.00}. On XX/XX/XXXX, I received the parts and contacted Bank of America to cancel the dispute at which time the charge of {$310.00} was replaced on my card. On XX/XX/XXXX, Bank of America charged me {$310.00} on my card. 

I attempted to call Bank of America about such charge and I've been oh hold for over an hour due to being transferred to the wrong dept. multiple times ( XXXX XXXX -> XXXX  -> lady that wouldn't give me her name that said she was going to transfer me to a specialized dept. but then just put me on hold and didn't say anything ). At the time of writing this complaint, I have been on the phone for 1 hour and 15 minutes. An investigation into their practices needs to be completed as they should have the controls in place to ensure this type of fraud by the bank doesn't occur. How many others have been wrongfully charged?
Consumer complaint received 2021-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

I have been unable to login to my.equifax.com for two weeks now. I need to freeze my credit because of a breach elsewhere and Equifax does not facilitate the process. I can understand the website being temporarily being down, but being down for two weeks or more in this day and age seems unacceptable.
Consumer complaint received 2017-12-26
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: Colony Brands, Inc. (NC)

An order was placed online by my stepmother for a gift from SWISS COLONY XXXX. I was the recipient of the order. The company then proceeded to submit a credit inquiry on my behalf and created and account for this order and will be billing it to me without my permission. The did NOT get authorization from me to obtain my credit, apply for credit etc. They do not even have my Social Security #. But when I called to inquire how this happened they told me that they can submit an inquiry on my credit without my ss # by using just my name and address. My name was n't even correct in their system. They said someone can put in a name and address and can apply for credit from them, and that if it goes through then there is nothing that they can do. I again repeated back to them, that if I just give them any name and address in their online ordering system, they can process credit under that person name? They confirmed. This does not seem legal. I did NOT give them permission. My stepmother is sending them a notorized letter stating that she is the one responsible for the order and I also have submitted a dispute on my credit. But I need to understand how this is legal. Can a company process credit to you without your SS # and permission? 
Please help/
Consumer complaint received 2017-10-03
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc. (FL)

Yes, I have on numerous times spoken with various specialists with XXXX   XXXX regarding my XXXX XXXX account with XXXX being the last one spoken with on XX/XX/XXXX. At that time I explain completely my financial hardship at that time, had no available income, job cut hours tremendously and with my other financial obligations of which I must live can not or do not have any extra monies for this account. I asked if it could be place on hold or postpone until I find a new job and was told no but that she will notate the account. Now just today and yesterday XXXX/XXXX/XXXX and XXXX/XXXX/XXXX they have placed my file with another harassing representative specialist by the name of XXXX XXXX, she stated on voicemail that she works at the company until XXXX XXXX EST and her telephone number was ( XXXX ) XXXX Ext. XXXX. This lady calls all times of day and sometimes I have had these calls come thru at night, whether it be her or someone else from this company. This affecting my health, I do not have any monies and continuing to call and harass me with these threatening phone calls will not help any monies come to me or the company at this time. I can not pay if I have no money. I want the calls to stop. They should not be allowed to continue to hound me. I know that I owe them and I will take care of this debt as soon as I am able, but I have no income of any kind to settle this debt at this time.