davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-08
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BARCLAYS BANK DELAWARE (FL)

I had four accounts with Barclays Bank. All four of the accounts were closed without prior notice. Three of them had not been used in a while, but the fourth ( Barclay XXXX XXXX ) was active and used often. All accounts were paid in full and on time. The bank refused to give me any reason for the closure of the Barclay XXXX XXXX ( XXXX ), despite my repeated requests on the phone and via email. I have never had any accounts closed in my 40+ years of having credit cards. When I requested a refund of my annual fees, I was told they would not be refunded. I had unused travel rewards of XXXX, which would have been good to offset XXXX of travel related charges. I had more than that in travel related charges against which I could have used the travel rewards. They have refused to give me any credit for those rewards.
Consumer complaint received 2018-01-06
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: CITIBANK, N.A. (LA)

I had a girlfriend for 6 months, I moved back home, out of state and the primary card holder, order credit cards and also requested authorized user cards in my name. I have never seen or used the cards and had no knowledge of the cards being ordered. This was done in a attempt to get me, to come back, from out of state. She used both credit cards. And she became late, on her payments. I spoke with her and she had settled the debt and paid them off. The XXXX card account number XXXX and a Citi card number XXXX, was opened s well, with me as a authorized user. As a authorized user, I was never responsible for any debt, charged to these accounts. I have never enter into a signed or verbal card holder agreement as a responsible party. In addition I have never spoke with anyone for either of the creditors, with regards to receiving cards. These cards were issued by the creditors, without my permission and to date they have my personal information, without my consent and are reporting negative items, on my credit report illegally, as I have never entered into a agreement with either party..In addition, to that fact, when the primary card holder, became late on the payments, I never received any notice of me, being a authorized user or that the payments were late and/or past due. This is do to the fact, that the creditor, had no phone number or mailing address, because I never had any contact with them. 
The credit bureau has report these items on my credit report with a having any documentation or signed agreements, by all parties in hand as required by law. In addition, XXXX has reported items om my credit report, without verifying that the debt was actually my debt and placed the items on my report, from the creditor, on face value, because both parties a gaining enrichment from the negative items on my report. The credit bureaus is being paid to report the negative items and the creditor are party of a system, where each member ( s ) of the banking/credit system. Gain higher interest off of the negative items, place by their counter part, by charging higher interest. This is a conspiracy between the bank/creditor and the credit reporting bureaus.If there is no resolve with this matter, it is my intent to take this matter, to federal court and criminal court, to the fullest, extent of the law. Including damages.
Consumer complaint received 2022-09-10
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. (MN)

15 U.S.C 1681 section 602 A. States I have a right to privacy 15 U.S.C 1681 section 604 A. It also states a consumer reporting agency can not furnish an account without my written instructions XXXX XXXX You applied for a credit card on XX/XX/XXXX XXXX XXXX  You applied for a home loan on XX/XX/XXXX XXXX XXXX  You applied for a home loan on XX/XX/XXXX XXXX XXXX You applied for a home loan on XX/XX/XXXX XXXXXXXX XXXX You applied for a home loan on XX/XX/XXXXXXXX XXXX
Consumer complaint received 2018-01-06
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. (MS)

I sent numerous letters to XXXX, XXXX, and Transunion detailing the fact that my identity had been stolen and that fraudulent accounts had been opened in my name and reporting on my credit report. Despite the many certified letters I sent that was n't returned to me and the phone calls nothing has been corrected. I contacted XXXX and waited 1hour and 30minutes for someone to initially tell me they have n't received anything. Once I told them my certified receipt numbers she conveniently found some of my information but supposedly not all of it. I asked her how was it possible to get some of it but not all? She could not adequately answer my question. My name and SSN came up in the XXXX Breach as well as the XXXX Breach but yet no one wants to remove the inaccurate information. I sent letters to both the creditor and the reporting agencies. I reported fraud alert years ago nothing was done. Did it last year nothing was done. And when I finally talked to the representative she told me my police report was n't good enough. I said well what more do you want me to do? She was very nasty to me and not concerned about me the victim.
Consumer complaint received 2018-01-06
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. (MS)

I sent numerous letters to XXXX, Equifax, and XXXX detailing the fact that my identity had been stolen and that fraudulent accounts had been opened in my name and reporting on my credit report. Despite the many certified letters I sent that was n't returned to me and the phone calls nothing has been corrected. I contacted XXXX and waited 1hour and 30minutes for someone to initially tell me they have n't received anything. Once I told them my certified receipt numbers she conveniently found some of my information but supposedly not all of it. I asked her how was it possible to get some of it but not all? She could not adequately answer my question. My name and SSN came up in the Equifax Breach as well as the XXXX Breach but yet no one wants to remove the inaccurate information. I sent letters to both the creditor and the reporting agencies. I reported fraud alert years ago nothing was done. Did it last year nothing was done. And when I finally talked to the representative she told me my police report was n't good enough. I said well what more do you want me to do? She was very nasty to me and not concerned about me the victim.
Consumer complaint received 2019-11-08
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. (TN)

I'm relocating to LA and looking to purchasing a condo. I checked my credit score just to see whats was on my report because I haven't checked it in a minute. While checking my report I saw an account that is not mine. Since then I had a fraud report completed by the police and I got an identity theft report completed by Federal Trade Commission This is the item on my credit that is not mine : XXXX XXXX Please remove remove this from my credit
Consumer complaint received 2018-01-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: REGIONS FINANCIAL CORPORATION (FL)

Regions Bank cashed a fake check when they promised they would look out for me and not let me be victimized by an out-of-state company they said the check was good and gave me the money then two days later they told me to check is completely fake and I have to pay them now {$1000.00} then they went into my debit card and took out {$95.00} and change to balance my account to XXXX, prior to that they sucked up my Social Security check for {$720.00}, I lost {$1000.00}, they have been sued for this. Out-of-state checks take 3 to 5 days to clear and post they said everything was fine and gave me the money now Im broke. I have filed a complaint with the Florida state Attorney General XXXX XXXX, the XXXX Police Department, the ic3.GOV, digital wire crimes unit and theUnited States postal police.
Consumer complaint received 2021-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MS)

I have disputed all credit cards and a XXXX XXXX XXXX charge-off with all 3 credit bureau and nothing changes. I worked hard to pay the credit cards balance down to a bare minimum to XXXX  balance on most cards as of a month ago. The XXXX XXXX XXXX account was settled and settlement amount has been remitted to XXXX XXXX, who is XXXX 's Collection Agency. I have called XXXX to get a paid in full letter, but can't get an agent just voice mails and no return calls. 
I am tired of this vicious circle of nothingness. Please assist me in getting these items clear. My credit will never improve if the bureaus are not reporting correctly.
Consumer complaint received 2019-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

I do not owe XXXX for the mortgage on my credit. My mortgage is released ( see enclosed ). I have never been late or delinquent in any way. Please remove the item pending a thorough investigation. 

XXXX XXXX XXXX XXXX inaccurate
Consumer complaint received 2018-06-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (HI)

I had a joint XXXX credit card account with my husband. He was the primary cardholder and passed away in XX/XX/2016. The account was later closed ( by them ). There was a credit balance on the account, which, as you can see, I did not receive ( see letter ).

Unfortunately, after the account was closed, there were additional payments made to the closed account. I did not realize that my banking system was set on an auto-pay schedule of {$400.00} per month. This was paid automatically, monthly, to the closed account, through my bank. At no point was I notified that these payments were being made to a closed account. They just kept receiving the money - month after month after month, without ever saying anything, whether by letter, phone or other method. 

I have attached a printout of the extra payments that were made to a closed account and which I am due in the form of a refund. As you can see, I am owed is many thousands of dollars ( {$400.00} plus the credit balance that existed before the account was closed ). 

Over the past few days, I tried calling several times, with lots of transfers and customer service reps - including their probate and funds recovery departments. Unfortunately, no one individual  seemed to be able to access all of the information or be able to resolve the problem. It has been very frustrating and I need help. 

Sincerely, XXXX XXXX
Consumer complaint received 2018-01-06
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. (NV)

I HAVE WRITTEN TO BOTH XXXX AND THE CREDITORS LISTED BELOW ONLY TO KEEP GOING IN CIRCLES CREDIT AGENCY SAYS ITS CREDITOR CREDITOR SAYS ITS CREDIT AGENCY REPORTING THE INQUIRY XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX theses are all from XXXX
Consumer complaint received 2020-01-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (CA)

Convergent Outsourcing is collecting a unpaid bill from XXXX XXXX XXXX, I do not own money to XXXX because when I sign up for their services they promised me a credit for switching to them. When I tried to contact them to apply the credit on my account they told me the credit was applied and I didn't have a unpaid balance.
Consumer complaint received 2020-05-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Date : XX/XX/20 Amount : {$1300.00} On XX/XX/20, there was an unauthorized transaction made on my checking account ending ( XXXX ). On that date around XXXX, I received a call from this number, XXXX. It was an automated voice system from Bank of America saying : Your authorization code is. I did not remember nor paid attention to the code, because I did not request any authorization code from BOA. I was curious about the call and immediately checked my bank online account and was shocked with the amount of {$1300.00} being transferred to an unknown email. It was a XXXX transfer. At the same time, I called BOA at this number, XXXX, to report this suspicious activity that I did not authorize. I spoke with an agent and he was able to assist me to file a claim. I was told to wait 10 business days for the decision. I called again on XX/XX/20 to check my claim status. I was told the claim was denied because the authorization code is being used. I am certain that I did not give any code to anyone. I strongly believe that somehow my account has been hacked. Also, I was informed that if I would like BOA to reconsider the decision, I could contact my mobile service and get a report call log from them on XX/XX/20.
Consumer complaint received 2021-11-05
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. (MS)

I have disputed all credit cards and a XXXX XXXX XXXX charge-off with all 3 credit bureau and nothing changes. I worked hard to pay the credit cards balance down to a bare minimum to XXXX  balance on most cards as of a month ago. The XXXX XXXX XXXX account was settled and settlement amount has been remitted to XXXX XXXX, who is XXXX 's Collection Agency. I have called XXXX to get a paid in full letter, but can't get an agent just voice mails and no return calls. 
I am tired of this vicious circle of nothingness. Please assist me in getting these items clear. My credit will never improve if the bureaus are not reporting correctly.
Consumer complaint received 2021-02-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

This is more of a general complaint because it has happened numerous times with different institutions, but I'm writing because it just happened to my family again last week. I took our dog to the vet 's office and when they ran my debit card for payment they accidentally charged {$1100.00} instead of {$120.00}. They realized the mistake immediately after it happened and refunded {$1000.00} to my debit card. The issue I have is that money can be deducted from our checking accounts instantly but for money to go back in can take up to a full week. For that week, our account can be depleted or overdrawn, and nobody is technically liable for fees incurred except us as the user, not to mention not having that money available for other bills like groceries. The bank in this instance is Bank of America, but this has happened with other banks as well.
Consumer complaint received 2018-01-06
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. (NV)

I HAVE WRITTEN TO BOTH EXPERIAN AND THE CREDITORS LISTED BELOW ONLY TO KEEP GOING IN CIRCLES CREDIT AGENCY SAYS ITS CREDITOR CREDITOR SAYS ITS CREDIT AGENCY REPORTING THE INQUIRY Experian XXXX XXXX XXXX XXXX DateXX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX theses are all from experian
Consumer complaint received 2019-11-08
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (WV)

I had called Navient several times from XX/XX/XXXX-XX/XX/XXXX to try to lower my monthly payment for my student loans. The resolution given to me was always to choose forbearance and without being very knowledgeable about the interest that would accrue or what my other options were I agreed to the suggestion of Navient representatives.
Consumer complaint received 2019-11-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (LA)

Back in XX/XX/2018, I found that an acquaintance of mines was stealing my cards out my purse. I notified Chase of numerous of unauthorized charges and they told me that they couldnt reverse because it was over 60 days old. 
Im just notifying your company cause I just found out about your agency. 
My acquaintance was arrested and charged for stealing my cards
Consumer complaint received 2017-11-30
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Select Management Resources, LLC (OK)

I was paying my loan. I was sometimes late but, was faithful. I paid for the month of XXXX, XXXX and I received a receipt with balance of XXXX and some change. Well I was late paying XXXX and I was going to pay it until they told me that I owe XXXX. I was concerned about this issue and I decided to send in a complaint to find out if you can assist me in this matter. Thanks for Your Attentiveness XXXX XXXX
Consumer complaint received 2018-01-06
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. (MS)

I sent numerous letters to Experian, XXXX, and XXXX detailing the fact that my identity had been stolen and that fraudulent accounts had been opened in my name and reporting on my credit report. Despite the many certified letters I sent that was n't returned to me and the phone calls nothing has been corrected. I contacted XXXX and waited 1hour and 30minutes for someone to initially tell me they have n't received anything. Once I told them my certified receipt numbers she conveniently found some of my information but supposedly not all of it. I asked her how was it possible to get some of it but not all? She could not adequately answer my question. My name and SSN came up in the XXXX Breach as well as the XXXX Breach but yet no one wants to remove the inaccurate information. I sent letters to both the creditor and the reporting agencies. I reported fraud alert years ago nothing was done. Did it last year nothing was done. And when I finally talked to the representative she told me my police report was n't good enough. I said well what more do you want me to do? She was very nasty to me and not concerned about me the victim.
Consumer complaint received 2017-10-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: AMERICAN EXPRESS COMPANY (TN)

I do not have nor have I ever had an American Express card account but they annually request my credit without my consent. This was off my report : ( see below ). 

Show less Account name AMERICAN EXPRESS Date of request ( s ) XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-05-12
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: BARCLAYS BANK DELAWARE (CT)

We had a {$0.00} balance on a credit card with Barclay Bank and they took a {$5400.00} payment overdrawing our checking account without notifying us. The funds were withdrawn via ACH and it is shocking that they would not have a control in place to prevent such payments from being taken given that the balance on the credit card was {$0.00}. Barclay refused to electronically return the money to our account in a timely manner. Given the overdrawn amount on our account and other fees we 've incurred, we are seeking damages of {$75.00}.
Consumer complaint received 2018-01-08
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (NJ)

Filed for Mortgage Modification with US Bank. 

First application XX/XX/XXXX, after several paperwork sent and wrong processing they denied the modification. 

XX/XX/XXXX sent modification appeal, they took 3 months and came back and said that they did not have all paperwork, purposely delaying the process. 

XX/XX/XXXX new modification sent. 

XX/XX/XXXX they apparently approved it and my payment from XXXX was modified to XXXX as a trial plan for three months. 

XX/XX/XXXX asked processor several times how this payment was going down? lower APR? or how was the payment going down, they will not give me this information and said that I will find out once I receive the permanent one. 

XX/XX/XXXX received the new statement and escrow review, the new payment was XXXX same amount as the proposed modification, so in reality the modification was the same payment as the new payment for XX/XX/XXXX. 

Called to check on this and the processor said that the XXXX could go down since if the APR is modified and the new escrow review, etc could help. 

Today I received the permanent modification after 7 months of paper work, emails, calls. They raised my APR from XXXX to XXXX. They also extended 25 years to 30 years and charged me XXXX for capitalization. 

How is this modification helping me? when a customer applies for modification is because they are having issues making a payment, and the bank will come back to raise the years for payment and the APR??? 

Please investigate.