davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY (CA)

When I first applied for my credit card I was not informed about how high my interest rate would be each month! 

I was mislead by the personal banker who set up my credit card account. I am also being charged interest fees for my checking and savings accounts as well!
Consumer complaint received 2019-11-19
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. (TX)

I called today about having an account that is supposed to fall off in a couple of months removed from my Experian report for early exclusion. I called and spoke to a representative that was kind but unable to help me so I was transferred to XXXX a Supervisor in the Client Dispute Department, who was rude, cut me off multiple times, and was not helpful at all. Now mind you I've had accounts removed for early exclusion before. And, she stated it can be done but it wasn't an option now, so when I asked her when would be the right time she kept stating XX/XX/20. That isn't early exclusion. Even if she told me, hey no guarantees but try XX/XX/XXXX or late, would've been more help. But her constant rude and belittling responses, failure to give me any additional info is appalling. Experian really should spend more time training their staff, especially the supervisors because XXXX was a jerk! 

Not to mention, early exclusion is a thing. Experian is the only credit reporting agency who is still reporting this negative account. XXXX  and XXXX   removed it almost 6 months ago because the account was completely inaccurate. Experian always has the most issues with reporting accurate information. They really should be shut down.
Consumer complaint received 2023-03-01
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. (MD)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, MD XXXX XXXX  XXXX XXXX Balance : {$4700.00} XXXX  XXXX Balance : {$11000.00} XXXX  XXXX : {$0.00} XXXX XXXX XXXX : {$0.00} XXXX  XX/XX/2022
Consumer complaint received 2019-12-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL (MA)

In XX/XX/XXXX, I received {$200.00} in rewards points for using my Gap Card ( Synchrony Bank ). The  points had already been used by someone else so they promised to refund the points in 1-2 billing cycles. In XX/XX/XXXX, I received an additional {$250.00} in reward points and again the points had already been used. I filled another complaint and I received the same response saying it would take 1-2 billing cycles. It has been 2 months and I can't use my rewards. I don't trust the issue will be resolved next month and I want my rewards back as soon as possible.
Consumer complaint received 2023-01-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (LA)

I open up a new account with them last year my card was stolen someone had stolen over XXXX from my account and I reported all the transactions I did not make so I explained and told them they then closed my account and they said that I was gone get refunded all my money back I havent received nothing or heard from them since. And the only money I received from them was a XXXX dollar and something cashiers check cause thats the only amount I had left in my account.
Consumer complaint received 2021-12-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BOK FINANCIAL CORP (OK)

I deposited a check made out to the XXXX XXXX. I am XXXX XXXX and do business as the XXXX XXXX. I endorsed the check as XXXX XXXX XXXX the XXXX XXXX. I made the deposit into my checking account that I've had with bok for 30 years. The check was presented and paid by the issuing bank. But bok refuses to give me the money. In Oklahoma you do not have to file as a dba with the state. They refuse to give back to the bank that paid them. They have said they will just keep the {$4500.00} if I can't prove that I operate as the XXXX XXXX.
Consumer complaint received 2024-02-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (FL)

Delete the late dates and update the statuses of the accounts now. I've disputed and sent letters, but the inaccurate information remains on my report. Take immediate action to comply with the law, delete the late dates, and ensure my credit report is accurate no more delays or excuses! If you don't, legal action will follow. XXXX XXXX XXXX Date opened : XXXX XXXX, XXXX Balance : {$3400.00} and XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$1900.00}.
Consumer complaint received 2019-12-20
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: National Debt Holdings, LLC (WI)

XXXX XXXX called my relatives when they already had my number. They stated they were though National Debt Holdings and they were trying to 'serve ' me civilly for a lawsuit. I contacted my county and no lawsuit pending. Then they stated there was a loan from XXXX loans back in 2017 that I don't remember. They were telling me that I should have paid it and there wasn't an excuse not to now ... and that I can afford to pay it. They tried to ask me for my banking and work. They were belittling me and my situation. Finally this " XXXX '' told me they would " send me the demand '' letter and hung up on me.
Consumer complaint received 2019-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

The dates and years are inaccurate on the following public records, with such misrepresentations I'm respectfully requesting that this accounts be removed and/or blocked from my credit report. ( 1. Bankruptcy XXXX, XXXX ) and XXXX XXXX Account reference account XXXX, XXXX
Consumer complaint received 2023-01-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (OR)

Had an insurance claim for my XXXX XXXX RV, I took it to camper world in Idaho XXXX, because the waistline was leaking come to find out it wasn't the waistline, it was the hose connected to my tub they need a replacement the hose cost {$15.00}, two screws in the seal, XXXX XXXX charged me {$850.00} and didn't fix anything, so I found this dispute with Wells Fargo, returned the money, but then denied the claim, they in the closing my account because it was overdraft like by XXXX and something dollars, which I know I should have never lost a claim
Consumer complaint received 2023-01-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (NC)

Between XXXX and XXXX I had a checking account with Wells Fargo and they charged me overdraft fees to the point where my whole paycheck would be taken every XXXX weeks even without any transactions being made. I disputed the amounts and the customer service employees would laugh and hang up on me. I eventually went with another bank but this bank was horrible to work with.
Consumer complaint received 2021-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.
Consumer complaint received 2023-03-01
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. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2021-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV)

I, the consumer asked for the XXXX XXXX XXXX to verify the information that they claim is accurate by providing proof of evidence ; documentation from the creditor claiming that I owe an alleged debt. The XXXX XXXX XXXX has failed to send me proof of documentation as required by the Fair Credit Reporting act. Pursuant to XXXX XXXX XXXX ( a ) ( XXXX ) which comprehensibly states that the only permissible purpose of consumer reports by any consumer reporting agency XXXX furnish a consumer report only under the following circumstances and no other and is in accordance with the written instructions of the consumer who it relates. I, the consumer gave written instructions as to what I wanted removed from my report due to fraud, inaccurate information and violations of my rights.
Consumer complaint received 2019-12-20
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC (TX)

Transworld apparently purchased an account from XXXX or took over an account from XXXX  for which I had an open dispute, they have reported it to credit reporting agencies negatively impacting my credit score and ability to rent in the future after a phone call with them on or about XX/XX/XXXX. I use XXXX XXXX and I received an alert from XXXX XXXX today ( XX/XX/XXXX ) that this report showed up on my credit. ( See my previous complaint again XXXX  and XXXX  XXXX  XXXX. XXXX  XXXX  was originally charging me over {$2600.00} in false charges for which they provided pictures of alleged damages. I sent in the attached letter of dispute and never heard back from anyone until Transworld initially contacted me back in XXXX. They said XXXX  XXXX  " investigated '' my dispute ( the dispute was against XXXX  XXXX  ) and that they removed all charges except {$390.00} which is for blinds and damaged doors. Their own pictures ( see previous dispute ) show the blinds and there is NO damage to the blinds. They also allege damages to doors for which they have no pictures of and I find it interesting they removed all other charges except for things they have no evidence of. I don't feel I should have to spend money hiring a lawyer when I have already proven that XXXX  XXXX   has lied and by their own admission by removing all the previous charges except for ones they have no evidence of. I explained all of this to Transworld when they called me and told them I was disputing the charges. After my phone conversation with them on or about XX/XX/XXXX, they mailed me a copy of my lease renewal in XXXX and itemized statement for the blinds and damaged doors. Again : XXXX  XXXX XXXX own pictures show the blinds and there is no damage and there are no pictures of damaged doors. The pictures XXXX  XXXX provided were of walls that weren't wiped down and dirty outside door/wall and tape on the ceiling from birthday balloons and dirty window seals, for which my deposit covered their cleanup charge of {$250.00}.
Consumer complaint received 2019-08-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Bank of America asked me to show ownership of the funds by providing a notarize letter from the sender and a notarize letter from the bank of the sender., I submitted both letters and bank of America still refuses to release MY MONEY.
Consumer complaint received 2019-11-19
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. (FL)

I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these account is not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below.I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges.Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. Even if you receive documents with my signature, please compare them with my real signature ( which is on the police report affidavit ) because if you do you will see I did not sign anything related to this account.
Consumer complaint received 2019-12-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (WA)

Someone accidentally sent me {$200.00} on Venmo on XX/XX/2019 at XXXX XXXX PST. The payment was intended for someone else and it was a complete mistake on their part. When they figured it out, they contacted me and asked to send it back because of the fact that it was a mistake, and I agreed knowing that they did not intend to send me the money. Unfortunately, my Venmo account was negative at the time, so I couldn't send it back. Knowing that the money wasn't mine and that they needed it, I reached out to Venmo customer service and asked them to cancel it and reverse the transaction. My overdrawn account should not become her problem because she made a mistake. Much to my surprise, after having me on hold for an extended period of time, they returned only to tell me that they could/would not reverse the transaction. I asked them to set me up on a repayment plan to satisfy my negative balance and to return the money to the sender, a d they agreed to set me up on a plan, but not to reverse the transaction.
Consumer complaint received 2019-02-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

Bank of America closed my credit card account on XX/XX/2018 for return payment. I did setup a payment from my external bank checking account to my BOA credit not knowing my checking bank was going to deduct huge amount from my checking which caused the return payment. I have been struggling with my finances since I started my trucking business in XX/XX/2018. It took me almost 90 days to get my first business from shippers as most required my trucking authority to be at least 90 days before they can do business with me. I called Bank of America to resolve the issue but didn't het no help.
Consumer complaint received 2023-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (VA)

My consumer report shows negative items reported inaccurately and without my consent. A charge-off is reported as debt when it is defined as income, according to the IRS. Also, I did not receive the opt-out disclosure regarding my non-public information being shared with third-party companies, nor did I give consent. The attached documentation further explains my claim.
Consumer complaint received 2019-12-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

My loan was sold to LoanCare in XX/XX/2019. I received notice of my new account number and changed that account number with my banks online bill paying service. My bill service somehow inadvertently used the old account number on the first three payments to the loan company for XXXX, XXXX and XXXX of 2019. I contacted LoanCare and submitted documentation of the three payments made. To date, they have credited me for two of them. My payment from XX/XX/2019 is still not properly credited so my account shows that I am a month behind on payments. I have contacted the company nearly every month since to have this rectified. Every customer Service person I have spoken with has said that all the documentation is there and there should be no problem with the payment being properly credited within the next 30 days. Every month, it never happens and I have to call them again. The last time I called in XX/XX/2019, they told me the complaint had been closed/resolved in XXXX and yet the payment is still not credited to me. They reopened the complaint again at that point and said that it should be credited within 5 days. Today is XX/XX/XXXX and it is still not credited to my account and I still am showing 30 days delinquent on my mortgage.
Consumer complaint received 2019-12-13
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. (CA)

Upon Review my credit files, it showed a Collection from XXXX in the amount of {$210.00} reappear in my credit files which have already been settled in the past. This account was mistakenly reported by XXXX and I have reached out to settled with the creditor. I have no association with XXXX service as I am a customer with XXXX
Consumer complaint received 2022-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (KY)

Account number : XXXX Account name : XXXX XXXX XXXX In Date opened : XX/XX/2021 Balance : XXXX This account was opened I had no acknowledgment of it it is not my account it should be not on my credit it should be taken off immediately I have reached XXXX
Consumer complaint received 2019-12-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BTH Management (TX)

I received a call from this company looking for a former relative of mine. 
The persons name was XXXX, and I told her that the person she was looking for did not live at this number, but since the person has the same last name as me, XXXX asked me did I have this persons number. 
I gave her the last known number I had for the person, and asked XXXX to take me off the call list because the person she was looking for did not live with me. 
On XX/XX/19 I received another call from the same company, this time from someone named XXXX. 
I told him the same thing I had told XXXX, that the person he was looking for did not have this number, and to please stop calling me. 
On XX/XX/2019 I mailed the company a Demand for Damages for excessive Telemarketer Calls, because my number is on the National Do Not Call List, and has been on the list since XXXX. 
What this company did is against the law, and something needs to be done.
Consumer complaint received 2019-12-20
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. (CA)

I was not approved to open a XXXX credit card today XX/XX/19 because there are accounts reflecting badly on my credit report ; I was not aware of these accounts until today. None of those accounts belong to me nor did I allow anyone to open these accounts in my name. I have no idea who is responsible for opening these accounts on my behalf without my consent but I have already filed a police report. I did not benefit anything from these accounts such as money, goods or services and I did not make any purchases or payments towards these accounts.
Consumer complaint received 2019-12-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I was not approved to open a XXXX credit card today XX/XX/19 because there are accounts reflecting badly on my credit report ; I was not aware of these accounts until today. None of those accounts belong to me nor did I allow anyone to open these accounts in my name. I have no idea who is responsible for opening these accounts on my behalf without my consent but I have already filed a police report. I did not benefit anything from these accounts such as money, goods or services and I did not make any purchases or payments towards these accounts.
Consumer complaint received 2019-12-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (MA)

To Whom it May Concer : Re : HSBC Mortgage Escrow Refund I found the attached check which has not been cashed when reorganizing my files. Unable to contact anyone at the former HSBC Mortgage Servicing company, XXXX or the company that acquired XXXX, XXXX via telephone or email. Unable to reach anyone at in Customer services, I sent two emails to XXXX Investor Services requesting their assistance in addressing this unclaimed check. Note : I tried to get assistance from the current HSBC Mortgage Servicing company, XXXX, However, they directed me to XXXX / XXXX. 

Any assistance you can provide would be greatly appreciated. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX ( H ) XXXX ( M )