davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-02
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (TX)

I am an XXXX XXXX military member for over two years with American Express. Under the Military Lending Act, American Express waives annual fees. When I commissioned XX/XX/XXXX I applied for their Platinum card at the start of XXXX. They waived my annual fee the first year due to my military service. The next two years they charged a {$690.00} annual fee. Since the first annual fee charged in XXXX of XXXX I have been trying to resolve this. With emails on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I was denied benefits despite being eligible and being a continued XXXX XXXX member. I have sent verification of my MLA eligibility by requesting records through the DMDC Military Lending Act Website.
Consumer complaint received 2023-03-20
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: Experian Information Solutions Inc. (AR)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute some of the information on my credit report that I believe is incorrect. I have identified several negative items that I request be removed from my report as soon as possible. 

Firstly, there are some personal details that do not belong to me, specifically the names " XXXX XXXX XXXX '' and " XXXX XXXX XXXX ''. Please delete these from my report immediately. 

Secondly, there are multiple previous addresses listed on my report that belong to other individuals. The addresses are as follows : XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I request that these addresses be removed from my report immediately, as they do not belong to me and are therefore not relevant to my credit history. 

Thirdly, there are several employers listed on my report that are not mine. The employers are as follows : XXXX Emp XXXX XXXX XXXX XXXX XXXX XXXX Please delete these employers from my report immediately, as they do not belong to me and are therefore not relevant to my credit history. 

Lastly, there are several inquiries on my report that were not authorized by me. The inquiries are as follows : XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I have no recollection of authorizing these credit pulls, and I demand that they be removed from my report immediately. 

Thank you for your attention to this matter. I look forward to hearing back from you soon. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-03-10
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: Collection Resources, Inc. (TX)

I am a victim of identity theft XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, AR XXXX COLLECTION RESOURCES INC XXXX XXXX XXXX XXXX XXXX, NM XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX
Consumer complaint received 2018-05-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (FL)

XX/XX/XXXX - {$99.00} XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX - {$99.00} XXXX XXXX XXXX FL XXXX XX/XX/XXXX - {$100.00} XXXX XXXX XXXX FL XXXX XX/XX/XXXX - {$99.00} XXXX XXXX XXXX FL XXXX XX/XX/XXXX - {$89.00} XXXX XXXX XXXX FL XXXX All these locations committed fraud, I've never been to these location. Wells Fargo confirmed that I as a client have no history in any of these locations. But they only refunded the first incident of this, and told me I'm out of luck with the other ones. Even though it is in their 'notes ' that I'm not at fault here.
Consumer complaint received 2023-03-20
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: MicroBilt / PRBC (formerly CL Verify) (MO)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX Account Number : XXXX, Account name : XXXX XXXX XXXX Account XXXX : XXXX, Account name : XXXX XXXX XXXX Account XXXX XXXX XXXX, Account name : XXXX XXXX XXXX Account Number : XXXX, Account name : XXXX  XXXX Account Number XXXX XXXX, Account name : XXXX  XXXX Account Number : XXXX XXXX Account name : XXXX  XXXX Account Number : XXXX XXXX Account name : XXXX  XXXX Account Number : XXXX, Account name : XXXX  XXXX Account Number : XXXX, Account name XXXX XXXX  XXXX Account Number : XXXX, Account name XXXX XXXX XXXX Account Number : XXXX, Account name : XXXX XXXX Account Number : XXXX, Account name : XXXX XXXX Account Number : XXXX, Account name : XXXX  XXXX Account XXXX : XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-20
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: Experian Information Solutions Inc. (NC)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, North Carolina XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report, which I recently obtained and reviewed. The Fair Credit Reporting Act ( FCRA ) requires that consumer reporting agencies ( CRAs ) maintain accurate information in credit reports. However, I have found that there are several inaccuracies in my report that are in violation of the FCRA. 

Firstly, the following personal information is incorrect and belongs to someone else : Account Number : Former : XXXX XXXX XXXX Account Number : Former : XXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, NC XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, VA XXXX Employers : XXXX XXXX XXXX  Employers : XXXX XXXX Employers : XXXX Under the FCRA, CRAs are required to investigate and correct any inaccurate information within 30 days of receiving a dispute. Therefore, I request that you delete this inaccurate personal information from my credit report as soon as possible. 

Additionally, there is an unknown account listed on my credit report : Account Number : XXXX XXXX XXXX XXXX XXXX XXXX have never had any business relationship with this company, and therefore this account does not belong to me. Under the FCRA, I have the right to dispute any information on my credit report that I believe to be inaccurate or incomplete. I kindly request that you remove this unknown account from my credit report immediately. 

I understand the importance of maintaining accurate information on my credit report, and I urge you to comply with the FCRA by conducting a thorough investigation and correcting any inaccuracies in my credit report. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (AL)

THIS WILL BE MY SECOND TIME TRYING TO CORRECT THE INACCURATE INFO ATTACHED PLEASE FIND THE LETTER FROM OUR COURT NOTIFYING ME THAT THIS IS INDEED INACCURATE
Consumer complaint received 2023-03-20
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (MN)

Macy 's continue to bate and switch with my rewards, false advertising, and I am a platinum member whom spend about XXXX a month and has never been late or behind and I always pay more than the minimum the overseas counter part never gets the info correct and also now my card is tied up with an order that was canceled and if the XXXX order was canceled then i should be at a XXXX balance I had XXXX rewards points when the double point and the triple point was on so now not only did I get the things for my house warming party but they have ruined the decor in my new home and my family as well as myself is considering not shopping with Macy 's and I am also considering closing my card even though I love shopping at Macy 's. Their Lack of communication is horrible The old system is difficult to deal with, no alert not notices until a day later. I need someone with authority to call me my discount that was given to me was used on an order which was cancel and then when I went to replace and use the code no good I also shopped during the double/triple points I have over XXXX point pending and now they are gone I want points and my items I needed for the party and house warming that they ruined. they have cancelled several orders this is not the first time.
Consumer complaint received 2019-10-11
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

XX/XX/2019 I have been a customer of USAA for over 11 years with a perfectly clean credit record and no insurance claims. On XX/XX/XXXX and again on XX/XX/2019 my home was broken into and my credit card stolen. Around midnight on both those days, the card was fraudulently used by the thief at a XXXX XXXX located nearby in the amounts of $ XXXX XXXX a total of 3 such charges for gift cards and another of $ XXXX for bicycle parts ). When I discovered and reported the theft to USAA on those 2 occasions they reissued a new card indicating that they would remove the charge from my account while investigating the fraud. In the meantime we received a fraud report from the local police department together with a still image of the theft using the card at the exact time stamp on our statement. We uploaded those documents as requested to USAA. Soon after the fraudulent amounts were reinstated on my account and when I called the customer service department was told that my claim had been denied. I was also told that they could not see the police report and that they would resubmit the claim. During these 7 months I have spent over 20 hours on the phone with USAA to try and talk to their fraud department and understand why their zero customer liability on unauthorized use of a credit card does not apply to me. The company puts a firewall around its fraud department and makes it impossible for customers to talk to members of their team. Moreover, promises to respond to my telephone inquiries by email are not kept and I am sent into a circle of unresponsive resolution. I am asking for the CFPB to help me understand what additional information USAA needs from me to fulfill the obligation of their terms and conditions regarding zero liability and perhaps use your leverage to stop this abuse of the veterans who are its bread and butter customers
Consumer complaint received 2021-11-30
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: PNC Bank N.A. (WI)

I went to dispute XXXX {$2500.00} charges equaling a sum of {$5000.00} that were made on XX/XX/2021 for {$1500.00} and the remainder paid on XX/XX/2021 for {$1000.00} equaling {$2500.00} and on XX/XX/2021 for {$2500.00} I informed PNC that I purchased a product that did not perform as advertised and rendered unsatisfactory performance. I am of belief that I am a victim of deceptive marketing and fraudulent practices by the XXXX XXXX XXXX  also known as XXXX XXXX XXXX  ( XXXX ) and the XXXX XXXX ( which would be the merchant reflected on the bank statement for both {$2500.00} purchases ) I, along with hundreds of people purchased a software/service that did not perform as promised. We were told from the creator/merchant that we could request refunds yet after numerous attempts to rectify the situation those same requests were denied. 
The results from the software/service were inconsistent, and when updates were announced they were never given in a timely manner. I have taken further measures to file a class action lawsuit against the company ( XXXX XXXX XXXX for their deceptive marketing. PNC informs me that they would look into the matter and to check back in with them in XXXX  days. It is now the XXXX day and upon reaching back out to PNC they informed me that a dispute was never filed ( though I spoke with several representatives on different occasions confirming the filing of the dispute for the return of my money ) thus leading me to believe that I as a customer do not matter and with the lack of effort by PNC my money would not be returned without assistance from someone. Please help me, Ive lost all hopes of retrieving my money back and am having a hard time trusting this company moving forward.
Consumer complaint received 2019-10-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (ME)

I began my student loan repayment journey being {$46000.00} in debt ( XXXX approx ). NAVIENT was handling the forbearance's/deferments. Every single time I called them, I was given different information ( this was prior to XXXX ) and there were many days that I called multiple times, spoke with different people and received completely different answers ( in regards to how much to pay, how long, and they honestly never really answered some questions and were very dismissive ). I lost my job and struggled to find a new one for some time but when I finally did NAVIENT informed me my payment would be well over what I took home in an entire month. They told me that if I didn't agree to the terms then I would be in default. I was so angry that I hung up. I called back again and was able to have some sort of extension until my pay was regular and I thought that I could trust them. Before I knew it, my loan had ballooned from the original amount to OVER {$120000.00}!!! There is no way that I will be able to repay that at what they expect me to. Every single time that I would call they would tell me that my loans had been sold/transferred and that there was another fee and more interest. 
I am now very much at risk of having a very good job offer rescinded because of my student loans on my credit report as I had to contest my report and explain what happened. I believe that NAVIENT has acted predatory towards borrowers and it affects our livelihood.
Consumer complaint received 2019-10-11
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: Commercial Trade, Inc. (CA)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX   or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Consumer complaint received 2019-10-11
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (TX)

I wired transfer GBP.XXXX to my friend XXXX XXXX XXXX bank account # XXXX with XXXX XXXX XXXX XXXX, 2019 thru Moneygram ( Their Ref. # XXXX ). This money should have been credited on XX/XX/XXXX or XXXX XXXX, 2019 but as of today he did Not receive any money into his account! After few days I started calling Moneygram. The Rep told me to call after 30 days. After 30 days She told me to call after 30 business days! After 30 business days the Rep told me to call after 2-3 days and that is being going on for the last 2 weeks! Yesterday ( XX/XX/, 2019 ) the Rep told me to get Bank statement from XXXX XXXX XXXX and send to Moneygram because Moneygram wanted to see his bank account was not credited! I sent Bank Statement also to them today ( XXXX XXXX, 2019 ) proving his bank account was Not Credited! 
After I made dozen of calls and after they give me false promises one after another, I had no choice but to seek your help to resolve this issue for me, thank you.
Consumer complaint received 2024-02-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: ALLIANT CREDIT UNION (OH)

My mortgage company ( Alliant Credit Union ) paid the previous owner 's tax bills, on multiple occasions, even after they were told they were paying the incorrect parcel ID. 

They've paid ~ {$45000.00} in taxes for XXXX, despite the tax bill having a completely different parcel ID and incorrect owner information. 

My wife and I have called on multiple occasions to try and resolve. Their only response is that they can't refund us, until they receive the money from the previous owner. They have been reaching out to the previous owner since XXXX XXXX, with no response. 

I'm now having to pay a ~ {$10000.00} mortgage payment each month, to fund my escrow account, due to the company paying {$45000.00} of someone else 's taxes. 

I recently sent the lender 4 questions regarding the issue above on XX/XX/XXXX. It was escalated to a " resolution specialist '', who didn't answer of the questions. In addition the end of his email states " We believe that this response fully addresses your concerns expressed to our Customer Service Department. Should you have any further questions, please contact our Customer Service Department. '' Again, not a single of my questions was answered. My wife and I literally laughed at the ineptitude. 

This has been going on since early last year. I've reached out to them for the last time. I've now involved my lawyer.
Consumer complaint received 2023-01-04
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)

This is my several requests that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2021-04-19
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc ()

I just opened PayPal account thinking it more convenient for me to do transactions oversea and I sold an item on XX/XX/XXXX XXXX it was XXXX And on XX/XX/XXXX I sold another item on XXXX for XXXX usd when the first payment came in they already put me on hold, then I ask why they just ask me to wait for few days just to make sure I send the parcel out show them the tracking number which I did after I posted it and the second item payment came in also same situation on hold also which I assume is normal in PayPal because Im new just joined them. Day past by and I keep messaging them until when they want to hold my money they just replied dont worry the money is yours they just want to make sure the item arrive to customer only will release. Item already arrive on XXXX XXXX and my pay still on hold and next thing i know I received an email stating I no longer can use PayPal without any explanation and hold my money for 180 days .it just XXXX transactions and they do this to me! please help me tq