davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-20
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: Bread Financial Holdings, Inc. (FL)

I have sent letter to XXXX, XXXX and XXXX about disputing the inquiries listed on my report. I did not authorize my credit report to be released, nor do I have any relationships with either company that is reported these inquiries.
Consumer complaint received 2020-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (GA)

On XX/XX/XXXX, American Express ( AMEX ) report to the 3 credit bureaus that one of my Amex Blue accounts past due every month that I was under Chapter XXXX Bankruptcy to include payments paid on time when the Trustee made disbursement. My bankruptcy was paid in full on XX/XX/XXXX and discharged on XX/XX/XXXX, I called AMEX XXXX XXXX ) on XX/XX/XXXX at XXXX XXXX  EST to dispute the credit reporting. I also file a dispute with XXXX  and XXXX. Both XXXX  and XXXX  responded by mail stating that AMEX was correct. I called AMEX on XX/XX/XXXX at XXXX XXXX  ( 52 min ) to speak to a supervisor. The supervisor said the account was not reported to the credit bureaus but he was looking at the Platnimum which to was paid by the Trustee. The supervisor located the AMEX Blue and saw what it was disputing and said it would be correct in a few days. He marked the account closed on XX/XX/XXXX. Both AMEX accounts were closed XX/XX/XXXX by the Bankruptcy Chapter XXXX. To this day, AMEX has not correct the issue or contact me.
Consumer complaint received 2020-12-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Yamaha Motor Finance Corporation USA (MO)

This complaint is against Yamaha Motor Finance Corporation USA, XXXX  ID XXXX. 

This company is simply fraudulent. Their 1 star rating and lack of accreditation on the XXXX  website is a testament to that. This is the third time they have randomly tried to assess fraudulent fees for no reason. We have been set up on auto-pay for 8 years, and the amount due is always processed on the due date. In this instance, I have a statement for {$340.00} due on XX/XX/XXXX, and I have a digital copy of the bank payment of {$340.00} on XX/XX/XXXX. Yet, I received an email today, XXXX, stating my payment was overdue. I called and the fraud began immediately. The representative first told me we only paid {$300.00}, but owed {$340.00}. When I told him I'm looking at the digital receipt of my payment for {$340.00} as well as my statement showing the exact same amount due, he immediately changed his story, and said, " Oh, yes, you paid {$340.00}, but you owe {$380.00}. '' After requesting to speak to manager, I was put on hold 3 different times, and it was clear, they were willing to waste as much of my time as it took for me to give up. It's fraud, plan and simple. I've reached out to the XXXX  previously, but this has become extremely burdensome, which is why we are taking this additional action at this time. My wife and I have worked diligently to build credit scores over XXXX, and I will not tolerate fraudulent attempts to undermine that. Any assistance is greatly appreciated.
Consumer complaint received 2020-12-07
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Williston Financial Group (FL)

I am sorry at my Complaint ID XXXX XXXX - XXXX submitted on XX/XX/2020, I wrongly put XXXX XXXX XX/XX/XXXX Account number instead of the WFG file number as my Complaint IS NOT with XXXXXX/XX/XXXX but with WFG Lender services & their File/Escrow No. XXXX. 
With this I just want to clarify this fact and my mistake. 
I hope to will VOID my previous Complaint ID XXXX XXXX - XXXX submitted on XX/XX/2020 and take this one as the actual COMPLAINT. 
MY PREVIOUS COMPLAINT We closed the refinancing from XXXX XX/XX/XXXX and WFG Lender Services ' Representative came to our house and we signed all required loan disclosures on XXXX XX/XX/2020. The Closing disclosure shows the disbursement of our balance loan payment to XXXX on XX/XX/2020 and the balance of the 1st mortgage loan as {$340000.00}. However, the WFG Lender service representative failed to wire the funds until XX/XX/2020. Further the XXXX payment shows that the actual payment made to XXXX bank was $ {$340000.00}. This means that WFG Lender services still holding our balance of {$65000.00}. I am unable to get hold of the Escrow Officer Ms. XXXX XXXX on telephone and she failed to return my calls. 
In addition, WFG lender Services failed to respond to my email letters too as of this day. A copy of the email is enclosed herewith. Failure to return the overpaid Escrow money to the customer even after around four weeks and failure to provide full disclosure of the Escrow money and return this to the customer promptly is not only unethical practice but it may be even illegal practice. Nobody seems to respond to my telephone calls and not even my email letters. I am NOT sure if they just want to pocket this escrow money. I hope you may be able to take the appropriate action about such unethical & illegal practices of WFG Lender services which is also Title company. I and my wife are retiree and hoping to seek you help on this matter. 
Thank you for your help and have a great day. 
XXXX XXXX, My Cell Tel XXXX XXXX XXXX, My email Address : XXXX XXXX
Consumer complaint received 2020-12-07
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: ENOVA INTERNATIONAL, INC. (VA)

XX/XX/XXXX I wrote a letter to NC Financial about information on my XX/XX/XXXX credit report that is inaccurate. I told them that I have never had an account with them and the debt is wrong. I also asked them for proof that the said account was mine showing some type of contractual obligation that I have with them. I received nothing from the company nor was there an acknowledgement of the dispute on my credit report in 30 days. This is a clear violation of the Fair Debt Collection Practices Act Section 807-8 and a violation of the Fair Credit Reporting Act Section 623-a-3. I just wanted the item removed from credit report immediately.
Consumer complaint received 2020-12-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BMW Financial Services NA, LLC (CT)

According to BMWF rep spoken with today, XXXX, I am unable to make ACH payments using my checking account due to an error with last ACH payment attempted, I do not have amount available to me at this time. The payment was scheduled via BMWUSA.COM, the correct routing and account number entered, the rep claims the bank did not recognize the account info even when it was entered correctly. I suspect BMWF placed the block prior as it was on the account before, a rep whom arranged a promise to pay removed the block so I could make ACH payment. I believe the system then replaced the block, unknown to me, which caused the payment to reject. Again, correct routing and account number was entered at time of payment. Due to payment reject, the account is now over thirty days past due, may have been reported to credit bureaus as such.. I request BMWF adjust this 30 day mark due to block they placed prior and is still on account currently. Also, I request block removed as the payment does not count as a returned payment, I have been making payments which have been clearing from same checking account with XXXX
Consumer complaint received 2022-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OH)

I have tried several different times to get an account deleted off of my Experian credit file due to the account being too old to be listed on the account. I am unable to dispute any information online with them nor am I able to get in contact with anyone who works with Experian. 
The Account is Listed as XXXX XXXX XXXX XXXXXXXX XXXX which was opened in XX/XX/2015. 
They also have the account listed as sold to another lender which is XXXX XXXX  which that place is not in business and there is no way that I can get in touch with them. 
For XXXX, this account is over XXXX XXXX XXXX which by law should not be listed on my trade lines. I have tried on many occasions to resolve this with Experian and is unable to get this resolved. 
Also whenever I dispute information, the dispute is resolved in less than XXXX hours which let me know that the company does not investigate the dispute properly or fairly. 
Per the FCRA, Experian is responsible for conducting a fair investigation into any dispute ; they are also by law supposed to remove accounts that are over XXXX XXXX XXXX.
Consumer complaint received 2024-12-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NV)

On XXXX I was contacted by phone by what I thought was Wells fargo fraud department. That is what my caller ID said. He made me believe my account was comprised. He had me believe wells fargo needed the card to trace the fraud that was being perpetrated. He told me how to cut the card up put it in a envelope and a currier would pick it up. They raised my daily limit. XXXX transferd to checking account. XXXX withdrawal from debit account. Wells Fargo allowed this to happen. After they picked up the card I went to my Wells Fargo online account and the numbers didn't add up. I immediately called Wells Fargo to stop all accounts from anymore charges. I made an appointment for the next day XXXX with XXXX XXXX. Senior banker for WellsFargo XXXX He made some phone calls to corporate. Got no where. I got 2 claims that got closed # XXXX for the XXXX transfer. # XXXX for the XXXX Now Wells Fargo has added a new disputed transaction # XXXX. XXXX is assigned to my case # XXXX I called him on XXXX and on XXXX left messages no reply. I filed a police report with the XXXX XXXX. On XXXX I talked with XXXX XXXX # XXXX. He's forwarding the report to the FBI. He thinks Wells Fargo is responsble, so do I. To add insult to injury, Wells Fargo charged my savings account XXXX service fee on XXXX Fee would be waived if I had XXXX in my account. I never gave my user name or password or pin # to anyone. I've been a customer around 40 years. I don't think I've ever taken more than XXXX in a day. Wells Fargo let fraudsters take over XXXX In an hour.
Consumer complaint received 2024-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to remove the following information from my file. The items I deleted are listed in the report. I did not do the authorization. I reported the lack of authorization of my identity to the Federal Trade Commission and I also have attached copies of the federal tray, the identity of the commission, the theft, the affidavit. Please remove these items as soon as possible.
Consumer complaint received 2022-09-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I received a letter dated XX/XX/2022 from Bank of America stating that on XX/XX/2022 it was reported that a fraudulent transaction totaling {$1500.00} from another person ( whom I do not know or ever heard of ) was credited to my account. 

There is no record of this {$1500.00} transaction being credited to my account ( from another person ) on my Bank of America app and there is no further information provided by Bank of America about this transaction. 

The bank then deducted {$1500.00} on XX/XX/2022 from my account. The account had a balance of {$670.00} at the time, which brought the balance to - {$820.00}. The account is now frozen. 

The letter ends with " We apologize for any inconvenient this may have caused. There is nothing you need to do at this time. '' Meanwhile, I have lost {$1500.00} due to a fraudulent transaction and I have received no further information about this from the bank.
Consumer complaint received 2023-08-02
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: KP ASSET CONSULTING LLC (SC)

I have been receiving phone calls from XXXX XXXX, IDK the name of the company because he doesn't provide that information in his messages ; however, he is calling me from XXXX and leaving messages that would not be a good idea to leave ( to me ). I feel threatened, very threatened which will make me " guarded '' and will defend myself. 

That XXXX has left the following message on yesterday, XX/XX/XXXX  : I am a location XXXX, XXXX XXXX calling today in reference to a pending claim by law I have to make you aware that once the claim is filed it becomes public record, your name and social are affiliated with this claim you need to contact the filing party before I parrot your home and job with your documents you do have the right to contact filing party their number is XXXX. 

The second message that he left today reads : I have to make you aware that the filing will become public records soon please be available with identification with both of your job and home tomorrow if I can not locate you a direct refusal to comply will be set on your behalf every attempt to contact you has been made the number you must call prior to being located is XXXX see you soon ... '' I have these recordings in my VOICEMAIL. I will upload them
Consumer complaint received 2022-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: DISCOVER BANK (TX)

The Company Discover.iT placed a Fraudulent hard inquire after signing up for there Pre Qualification check ( With No Harm To Credit ) option Available to the Public. I was Not approved but Still have the Hard inquirer.
Consumer complaint received 2021-09-20
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. (CT)

I'm teaching my XXXX year old son whom has XXXX XXXX, how to balance a check book using my online XXXX XXXX account. He knows we want to go on a mini-vacation, but money is tight because we have to move out next month. Last month, he took it upon himself to apply for a XXXX XXXX credit card in my name while I was in the bathroom & he was supposed to be practicing, so we could afford to go. The credit card application was denied. I called XXXX XXXX and they sent me a letter stating they would remove the inquiry as " in error '', but encouraged me to write the creditors. I wrote all three creditors and sent them a copy of the letter from XXXX XXXX. Experian still has not dropped the inquiry. Now, I am applying for a rental contract because my mother died and I have to move out of her house. The house had a reverse mortgage and her death puts it into foreclosure. But. Even though my XXXX score is XXXX and my XXXX score is XXXX, Experian has me at XXXX, due to this inquiry. So. Here 's the deal. I know that the CFPB has the power to run my data and help me remove this bogus inquiry. I need help and I need it yesterday because the application is going in tomorrow and this report may stop me from getting the rental for my family. Please for the Love of God Help Me. In Jesus 's Name! Amen.
Consumer complaint received 2020-12-06
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

On XXXX XXXX I noticed an unauthorized XXXX transaction was deducted from my checking account in the amount of {$1400.00}. I immediately notified my bank at which point they closed the checking account and proceeded to open a new one for me. The following day I noticed {$23000.00} wired out of my savings account. I once again contacted my bank and they closed all of my remaining accounts and advised me to contact their fraud division on Monday. After speaking with the bank on Saturday, I immediately went to the police station and filed a police report. Further review of my account indicated that a phone number of XXXX was added as my main point of contact although I did not add this number and do not recognize it. The wire transfer had been sent to a company called XXXX XXXX  XXXX in XXXX XXXX even though I am not in contact with anyone from that city and do not know this company. While the bank did refund me on the {$1400.00} transaction they are denying my claim for the {$23000.00}, claiming that the transaction had been done by the device I regularly use for banking. I have been a customer with my bank for 28 years and have never had any problems with the law, had any charges against me or acted unlawfully in any way. I would not try to carry out an illegal scheme to defraud my bank for personal gain. Per my bank 's request I have even taken my computer at my own expense to have tested for any traces of a hacker. While 3 of the places I contacted told me they would not be able to identify if my computer had been hacked but could only clean my computer from any spyware that it might have been infected with, the 4th one said they might be able to do so although after working on my computer and charging me for it he was ultimately unable to do so.
Consumer complaint received 2023-03-19
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: SYNCHRONY FINANCIAL (AL)

I bought furniture from Rooms To Go by using credit card of Synchrony Bank, XXXX XXXX XXXX XXXX, FL XXXX. The furniture shipped by Rooms to Go was damaged and defective when delivered to to me at my home address around XXXX 2022. I informed Rooms to Go about it. They send an inspector to assess the damage. Inspector informed us on the day of inspection that it is damaged and has manufacturing defects. Therefore it should be replaced by Rooms to Go. After that Rooms to Go did nothing to replace or repair it even after trying many many times. Then I filed a credit dispute with Synchrony bank in XXXX 2022 time frame. They rejected my dispute without asking Rooms to Go to submit their inspection report and without considering the picture evidence of damage sent to Synchrony bank during the credit dispute. I also shared with them the email communication with Rooms to Go. Which they totally ignored during the dispute process and also failed to mention in their final decision in favour of their client Rooms to Go. Please note that I am unable to use the furniture during this time and its occupying the master bedroom. 

It looks like they favoured their client Rooms to Go even though I provided them all the evidence of damage and defects in the furniture. I also shared the evidence communication with Rooms to Go to resolve the issue. Which they totally ignored. I am looking for your immediate help to resolve this issue as soon as possible. I will share the pictures of the furniture damage and defects in this compliant.
Consumer complaint received 2021-06-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY (PA)

Someone with my SS # opened a checking and savings account with TD Bank. It is frozen but I'm concerned about other accounts. I also had a hard inquiry on my credit report that I didn't do. 

Also, they opened it in my maiden name of XXXX XXXX XXXX
Consumer complaint received 2022-12-08
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc. (NC)

Violation of my consumer rights by reporting and demanding payment of a debt I do not owe or have any recall of owing they have aggressive tactics high jacked my credit with stating to all my credit reports in a negative way and has damaged my ability to purchase a house to move my family in Credit Collection Services XXXX XXXX XXXX XXXX XXXX MA XXXX Collection on XXXX XXXX Insurance I have not had a car with progressive insurance since 2006 and do not owe progressive insurance any money My XXXX XXXX XXXX Email XXXX ( XXXX ) XXXX
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NY)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2020-12-05
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)

Ive disputed items on my credit report with Transunion after contacting the collection company. The collection company never sent documents to me proving that I owed them anything. There is not a signed agreement or contract between me and the collection company. There is no cancelled checks. They dont have a copy of my state ID or anything proving that I owed a debt they are demanding that I pay. By law, contracts and or agreements with valid signatures are required to show that someone owes a debt. Bylaw, credit bureaus are required to furnish what they used to validate accounts on our report. Transunion never sent me anything showing how items on my credit report were validated not verified or certified. Their actions and the collection company actions violates the FCRA. I will pursue legal actions against both companies if those items arent deleted from my report immediately. They will be required to pay {$2000.00} for each item incorrectly reported on my account. FDCPA Section 809. Validation of debts [ 15 USC 1692g ] ( b )