davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: Bread Financial Holdings, Inc. (MI)

On XX/XX/XXXX XXXX XXXX made a payment to transfer the balance on a Comenity Card for {$11000.00}. XXXX XXXX on XX/XX/XXXX on their part without my authorization made a duplicate payment of {$10000.00}. This created an over-payment and credit balance on the Comenity Card of {$10000.00}. 

XXXX XXXX indicates that I have to work with Comenity to get the payment back and Comenity is stating it will take a month to issue a credit. XXXX XXXX states they can not reverse the second payment is charging me interest, late fees, transfer fees and penalties for being " over the limit '' on my new card due to THEIR mistake and over-paying. 

Comeneity is saying that it will take 20 business days to refund me the overage payment MINUS {$180.00} of interest. This is a mistake that was made between two credit card companies and I am the consumer with no authority to issue payments or refunds. 

I spoke to 3 different agents from XX/XX/XXXX - XX/XX/XXXX at Comenity and all they offered to do for me was a refund check and said because it is was over {$500.00} they had to " hold '' my money for EXTRA 10 days?? When they received the overage on XX/XX/XXXX. They should have sent it back immediately as the card had been paid off in full on XX/XX/XXXX. 

This is abuse to myself as the consumer since I have no way to fix this without the two credit card companies working together. I instead am left to fight both of them all the while MY CREDIT is being harmed.
Consumer complaint received 2020-12-19
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (NY)

XXXX XX/XX/XXXX I payed XXXX $ for a XXXX XXXX XXXX XXXX on XXXX but didnt get it. I made a police Report in XXXX to get a fraud service at XXXX XXXX  in XXXX. XXXX XXXX  took contact with Wells Fargo bank to get result. Wells Fargo bank did not get me any result of : ar the account correct for the seller, are the money still on the sellers account, has he money on the account.
Consumer complaint received 2020-12-21
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. (TX)

The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX  XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX  XXXX  Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX  XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC (VA)

I disputed this debt in XX/XX/2022. The creditor was unable to verify the debt and amount due. The creditor dropped collection attempts and agreed to remove it from my credit report. 

On XX/XX/XXXX the reported the debt again to be in collections. This needs to be removed.
Consumer complaint received 2019-04-26
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. (CA)

I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX XXXX XXXX XX/XX/XXXX {$700.00} XXXX XXXX XXXX XX/XX/XXXX {$28000.00} XXXX  XXXX XXXX XXXX XX/XX/XXXX {$500.00} XXXX XX/XX/XXXX {$490.00} XXXX/XXXX   XX/XX/XXXX {$3100.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX/XXXX  XX/XX/XXXX {$1000.00}
Consumer complaint received 2020-12-19
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

On XX/XX/2020 I tried using my prepaid debit card ( unemployment benefits card ) to make a purchase, I was given the message insufficient funds, I immediately checked my account knowing I had just been paid by Nevada unemployment that morning. My account showed a withdrawal of {$980.00} from XXXX XXXX XXXX. I immediately called BofA who my prepaid card is through to report this unauthorized transaction, the representative immediately closed that card and reissued me a new one and transferred me over to the fraud division. I was on the phone with the representative of BofA fraud division for almost 30 minutes going over what happened and what I needed to do from that point forward. I complied with everything they asked me to do including filing a police report just to find out 2 days later they closed my claim on getting reinstated back my funds. I've have since called 4 times in a 2 week period inquiring on the staus just to be told it would be escalated and to this date nothing. I have read and researched this problem that XXXX people have had the same issue and 99 % of the ones I've spoke to have yet to get any help from Bank of America getting back. Now yesterday XX/XX/2020 I went to make a withdrawal from a BofA atm and it states my account is frozen with {$470.00} in the account. I called BofA again they said it was frozen by XXXX which I can't get through to. I can't get any correct information from BofA as to why they can see my funds but can't give them to me with all the proper identification. PLEASE HELP ME, IT'S THE ONLY FUNDS I HAVE TO SURVIVE
Consumer complaint received 2020-12-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I keep getting Pre-approved Junk mail form Capital-one< I have email and sent letter asking them to STOP I get their junk mail very other day and so does my wife!! 
They were ordered to stop all calls and letters to me or my wife over a Year ago>> The problem was that they illegally transferred money from the account I had with then between XXXX and XXXX to a fake XXXX XXXX  account!!!
Consumer complaint received 2022-05-13
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. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2022-05-13
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: Experian Information Solutions Inc. (IN)

in accordance to the Fair Credit Reporting Act and XXXX account number XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 S states that I have the rights to privacy 13 U.S.C 1681 Section 604 H section 2 it also states that a consumer can not premise my account without my written instructions.
Consumer complaint received 2017-05-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

Dear Sir/Madame : I am filing a complaint about HSBC for 4 specific things as below. I have all email communications as evidence and can provide all of them when needed. 1. When I tried to pay for Property Tax on XX/XX/XXXX on the payment website from the selected menu I chose to pay through my Savings Account but I accidentally entered my checking account #. Then HSBC paid through my checking account without checking with me.
2. Since there was not enough fund in my checking account ( fund was in savings account ), the payment was denied. I got notified on XX/XX/XXXX from the payment website. They informed me that my bank only notified them on XX/XX/XXXX. Since XX/XX/XXXX was the deadline for the payment, I was charged $ 1500+ fine. When I asked HSBC why it took them 10 days to inform insufficient fund status, there was no direct answers. I had to escalate to five different HSBC staff and it took me 1.5 months to finally get an answer. During the process, I sent dozens of emails to different HSBC staff for answers. After getting so frustrated, I asked for the contact information of their supervising authorities. At my 7th request, they finally gave me your name. This was a terrible customer service experience.
3. HSB
C has been using double standards to decide how to communicate with me. When I opened my account back in XX/XX/XXXX, I told them my sister will help manage my account since I am too busy and I fully trust my sister. Since then, my account manager has been in communication with my sister for all account services through emails, phone calls, etc. When I asked for investment options, HSBC staff also called my sister instead of me to discuss options. But when my sister followed up on above # 2 issue, HSBC staff said my sister can not handle this complaint since she has no power of attorney to represent me. I do not understand why my sister can handle my accounts in any way but when it comes to complaints, she can not?
4. HSBC downgraded my checking account level from premium to advance on XX/XX/XXXX without getting my approval. Again, I have all email communications to prove above. I am more than happy to provide any evidences to support my claims. Thank you for your time! XXXX XXXX
Consumer complaint received 2022-05-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

n accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account with my written instructions.
Consumer complaint received 2020-12-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE (MI)

On XX/XX/2020 my husband made a cash deposit to our joint account at a Huntington branch atm. The atm took the cash and did not deposit funds stating an error occurred. He called customer service and made a claim and they deposited the {$500.00} cash. Now a month later, XX/XX/2020, the funds were reversed and they adjustment my account and took back the {$500.00}. Please help me get my money back.
Consumer complaint received 2020-12-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Consumer Adjustment Company Incorporated (NC)

I received a notification about a collection being placed on my account from a debt collection agency on XX/XX/20 in the amount of XXXX. I have not been contacted by anyone nor have I received any information in relation to any debt owed.
Consumer complaint received 2019-08-29
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. (IL)

Non of these inquiries which I listed in Identity Theft are not belong to me. I did not apply for that banks and never gave my authorization for applying. Please remove all of them from credit report, because they are not mine.
Consumer complaint received 2022-05-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: TD BANK US HOLDING COMPANY (WI)

My complaint is on how TD Card Services handled a disputed charge on my credit card, and refused to assist in resolving the charge. 

On XX/XX/XXXX I had purchased a gift certificate to a business which the owner subsequently died and received no product or service. On XX/XX/XXXX I contacted TD Card services to dispute a charge. I received no communication with TD Card services until XXXX hurried voicemail left XX/XX/XXXX. I did not immediately return the voicemail, as at first I could not hear it and thought it spam. On XX/XX/XXXX I received a letter asking for documentation about my dispute. I prepared a letter documenting my steps to resolve with the merchant, supplied copy of certificate, card slip, and mailed back to TD Card Services on XX/XX/XXXX. On XX/XX/XXXX I returned the voicemail left XXXX. The representative confirmed the information I mailed had been received and nothing further was need from me. On XX/XX/XXXX I received a letter from TD Card Services stating they were closing the dispute as they were unable to contact me. On XX/XX/XXXX I spoke with a TD representative. The representative claimed that I never mailed the documentation and never returned the call. When I explained I returned the call on XX/XX/XXXX the representative disputed that, despite I could clarly see the outgoing call listed on my phone. It was clear TD Card Services refused to help. The representative stated if I mailed the materials again, the XXXX " might '' reopen the case, but there was no guarantee they would. Concerned my dispute was not going to be resolved and to protect my rights, I filed a claim against the merchant 's estate myself on XX/XX/XXXX. I then contacted TD Card Services to inform them that I had done so. I asked what documentation they might need on file in case it turned out consumer protection laws were still applicable to the purchase ( e.g. if it was discovered in the future the merchant had committed fraud, etc ). The representative indicated TD didn't want documentation or info, and that TD Card Service would refuse to assist in a future dispute of the charge. I ended the call realizing TD Card services would not protect my interests in disputed or fraudulent charges. As a result I have decided to close my account with TD Card Services.
Consumer complaint received 2022-10-19
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (OK)

At the end of XXXX I got XXXX and had to miss XXXX  days of work so missed a full paycheck. I signed up for the forbearance plan and missed XXXX payment. I started making payments again and contacted the company every week for three months to get the payment moved to the end of the loan like I had been told would happen. After three months I was informed I only missed XXXX payment so I did not qualify and was instructed to go back on the plan and miss XXXX more payments in order to get the payments placed to the end of the loan. So I did what I was instructed to do. That was up at the end of XXXX. I called and thought I got the process started to move the payments, they told me they had submitted the paperwork. In XXXX I called to make the monthly payment and they refused to allow me to pay my regular payment. They say I have to pay a lump sum to catch it up. I sent in all of the paperwork and check stubs that they requested and still they have not done the modification to move the payments to the end of the loan and continue to refuse to allow me to resume payments. I need help to get this resolved before we lose our home.
Consumer complaint received 2022-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Bread Financial Holdings, Inc. (FL)

My account has not been reported to all 3 credit bureaus since XXXX. And in these 5 months I paid down my Victoria 's Secret Credit Card and paid over XXXX $ on my Ulta credit card. The lack of reporting is affecting my credit score and I need this resolved promptly.
Consumer complaint received 2020-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: California Business Bureau, Inc. (CA)

On XX/XX/XXXX, I obtained a credit report in order to file Chapter & Bankruptcy, and discovered for the first time that XXXX XXXX XXXX in XXXX, despite State of California health insurance paying in full for the services rendered, unlawfully filed a collection action attempting to be paid twice-over. XXXX XXXX XXXX sent the account to California Business Bureau, collection agency. 

On XX/XX/XXXX, I filed for Bankruptcy, my attorney included this unlawful debt and asked the U.S. Trustees Office to investigate. The alleged debt was listed as incurred on XX/XX/XXXX ( Acct. No. XXXX ) in the amount of {$36000.00}. The Trustee informed me that I needed to file a complaint with your agency and discharged the debt. 

On XX/XX/XXXX, I received a full discharge of all debts. I contacted both XXXX and the collection agency, as well as a dispute with XXXX. They told me it would be removed on two occasions and they have not. INSTEAD, THEY UPDATED THE CLAIM THAT NOW SHOWS ON MY CREDIT REPORT.
Consumer complaint received 2020-12-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (TX)

Someone used a fraudulent check with their own writing and completely wrong signature to cash out {$2100.00} from my Chase checking account. The bank refused to help me with the reason Im not careful with the check! Please help we work so hard for it and it almost XXXX time!
Consumer complaint received 2020-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

I sent Experian 4 letters to investigate inquiries on my credit report. They did not contact me after 30 days and I sent letters after this and still they did not investigate. They need to delete these inquiries as they are ignoring this matter and have failed to reply to investigate this. I am attaching the certified letters sent to Experian. My next step will be to sue them. These are the inquiries : 1. US SM BUS ADMIN ODA XX/XX/2020 2. XXXX XXXX XXXX XXXX. XX/XX/2020 3. US SM BUS ADMIN ODA XX/XX/2020 4. XXXX XXXX XX/XX/2020 5. XXXX XX/XX/2020 6. XXXX/XXXX XXXX I XX/XX/2020 7. XXXX XXXX XX/XX/2020
Consumer complaint received 2019-09-19
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: AMERICAN EXPRESS COMPANY (CA)

I have been a longtime holder of American Express credit cards. Certain of these cards earn Membership Rewards points, which can be transferred to airline miles programs and used to redeem flights. On XX/XX/XXXX, I attempted to transfer XXXX membership rewards points to XXXX. I need these points to book a long-planned family vacation. When I attempted to transfer the points ( as I have done many times in the past ), I received a message that I was unable to do so because my account is under investigation and has been locked. 

I called to investigate, and nobody would give me any information despite my repeated attempts. The only information they could provide was " my account was locked by corporate, '' " they do not know why, '' " it is impossible for me to speak with anyone in corporate, '' and " I should expect to hear more in 6 to 8 weeks or longer when the investigation is complete. '' This is crazy. I need to use these points now or my family will be unable to go on our long-planned vacation. There is no basis whatsoever for withholding my points. I imagine AmEx will eventually figure that out, but forcing me to wait an indefinite period without access to my earned points in unacceptable.
Consumer complaint received 2018-07-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (NY)

I'm a discover cardmember since XX/XX/2016 and made 100 % timely payments, but on XX/XX/XXXX I made a payment in the amount of XXXX and because of a frozen bank account it didn't go trough.. so i re-did a payment on XX/XX/XXXX from a third party bank account but because a other check came in in the same time the payment was returned.. so I did over the payment on the XX/XX/XXXX and THANKS XXXX   everything went smoothly, but DISCOVER closed my account cuz of this payments, was on the phone with them for almost an hour and they kept on transferring me to other departments on & on ... and the main they said they cant re-open the account they just closed.