davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-22
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/19, I issued a check to a contractor, XXXX XXXX in the amount of {$2900.00} from my Bank of America ( BA ) checking acct. in payment for some home improvements. In reviewing my online acct., I saw that BA processed the check for only {$29.00} which was {$2800.00} less than it should have processed. In speaking with the BA customer service dept. it was confirmed an error had been made by BA. I asked how long it would take to correct it and I was informed that it would take a while to research ( not the exact words ). Not wanting to delay payment to the contractor, I asked if I could let the {$29.00} debit to my account stand and charge the remaining {$2800.00} due to the contractor on my BA Cash Rewards credit card. The customer service rep. I spoke with said, " you can do that. '' I also knew in using the credit card I could obtain cash rewards so this looked like a viable solution. I notified the contractor and charged {$2800.00} using my BA cash rewards cards. Days later, BA made and adjustment and debited my checking account in the amt. of {$2800.00}. So there is a {$2800.00} debit to my checking and a {$2800.00} charge to my credit card. The contractor said that he only received one {$2800.00} payment as he uses an app called XXXX for writing estimates and  customer receipts only and does have an account with XXXX to receive customer payments. I have called BA numerous times ; depending on who I talk to, when I ask how long it will take to have {$2800.00} credited to my credit card account or put back into my checking account, I have heard different answers. I have spoken in person with the BA representative near my home and after he viewed my accounts he said that this is a credit card issue and he gave me a number for the credit card department One rep. said it would take 'two billing ' cycles to resolve this, one said, '30 calendar days ' and the last representative said it would take 120 days to look into the matter. Given the time I've spent waiting and my limited income, I can't afford to wait four months while BA look into the problem. My banking records are available to them. They have the contractor info. On XX/XX/19 I received an email from BA that said they are waiting to receive some information from me before they can proceed. I called and spoke to a representative and informed her that I had not received a request from BA and she said, the request was mailed to you yesterday. '' I asked her " How could BA expect me to respond to a request that they just made the day before? and she replied, '' That is the way they do business. '' Please help!
Consumer complaint received 2018-09-15
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: U.S. BANCORP (MN)

I tried to purchase an outdoor swing set from XXXX. I entered all of my information including credit card and was told it didn't process. On my next statement dated XX/XX/18-XX/XX/18an amount had posted for a different amount to XXXX XXXX XXXX. I sent XXXX  an email asking them explain what was going on. After a week I disputed it with the credit card company. Stated to them that I should not have been billed, but I believed my card number was compromised and had sent XXXX an email asking to confirm with no response.. the email was sent on XX/XX/XXXX to XXXX card company sent me a letter claiming they had tried to contact me for more information, they never did, and sent a denial letter on XX/XX/XXXX. I contacted them again, gave them the information they were looking for and they sent me another denial letter on XX/XX/XXXX again for insufficient information. I now see why people say such bad things about U.S. Bank.
Consumer complaint received 2021-11-05
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WAKEFIELD & ASSOCIATES, INC. (TX)

I have written this company several times and have been ignored. Last attempt was on XXXX XXXX certified mail. They reported this account # XXXX to XXXX and I don't even know you. I know you're a collection company and when you buy debt from the original company the debt is already PAID. I know they're paying XXXX to keep this on my credit which I already spoken to attorney about this and they advised me to take this route and if nothing happened then I can hire his team. I don't recall giving XXXX XXXX XXXX XXXX to have my health records to be release to a third party. I need you to send me Validation of Debt and HIPPA AUTHORIZATION, please provide me a breakdown of fees including any collection cost and medical charges, Provide me a copy of my signature that I have agreement with WakeField and Associates. Provide a copy of my signature with the provider of service to release my medical information to you. I am asking for last time to delete this from XXXX credit report. Can you also provide me with Agreement with your client that grants you the authority to collect on this alleged debt. I need verification that this debt was assigned or sold to a collector. I asking one more time to send my a signed contract with WakeField and Associates.
Consumer complaint received 2018-09-15
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

EQUIFAX REMOVED A NAGATIVE ACCOUNT FROM MY CREDIT REPORT THEN ADDED IT BACK A WEEK LATER. 
EQUIFAX SENT ME A LETTER SAYING THAT THEY WOULD REMOVE ( XXXX XXXX XXXX ) FROM MY REPORT THEN THEY ADDED IT BACK AGAIN WHICH IS ILLEGAL TO DO. PLEASE REMOVE THE FRAUFULENT ACCOUNT AGAIN FROM MY REPORTI IS ILLEGAL TO REMOVE A DISPUTED IACCOUNT THEN ADD IT BACK AGAIN AFTER IT WAS REMOVED LEGALLY. 
PLEASE REMOVE THE FRAUD ACCOUNT THAT WAS ASSOCIATED WITH THE FRAUD ADDRESS. XXXX XXXX XXXX IS LISTED IN MY CLOSED ACCOUNTS AND THIS ACCOUNT IS NOT MINE.
Consumer complaint received 2018-09-15
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (NY)

Several weeks ago XXXX XXXX called and stated they were calling to collect a debt on one of my credit cards. I told them I was in debt consolidation. After that and up to this date ( XX/XX/18 ) this company called ( name appeared on my phone screen with their phone number of XXXX ) every day at least 5 to 10 times, each time phone rang and I answered and they immediately hung up. No person talked and the phone call was then disconnected. 

Tried to call them back at the number displayed and was told it was not a working number.
Consumer complaint received 2018-09-15
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc. (WI)

I ordered three pair of XXXX Stretch Skinny Pants in sizes 6, 8, and 10, on XX/XX/2018, Order # XXXX, ( my XXXX card was charged on XX/XX/2018 ) and three pair of XXXX  Stretch Skinny Pants, all of them in size 8, on XX/XX/2018, Order # XXXX, ( my XXXX card was charged on XX/XX/2018 ). The size 8 from the order on XX/XX/2018 fit well so I ordered three more XXXX Stretch Skinny Pants on XX/XX/2018 ; however, those three pair did not fit well so I returned all three size 8 XXXX Stretch Skinny Pants, plus the sizes 6 and 10 XXXX Stretch Skinny Pants via the USPS on XX/XX/2018, Tracking # XXXX and Tracking # XXXX. 

I checked the Tracking # s and the two return packages were picked up and processed by an agent on XX/XX/2018, but my XXXX card was not refunded. I currently have a XXXX balance because I had set up automatic payments beginning on XX/XX/2018, to pay my XXXX bill in full each month. I had ordered the Pants before XXXX announced via email that it was going out of business, and I had returned the pants to XXXX within 30 days of receiving them and XXXX had a very liberal return policy. I had returned items even three, four, or five months after I had purchased them, with no problems. 

I called XXXX to request my refund, I think in XX/XX/2018, but the person I spoke with said that the pants had been returned after the cut off for returns which I disputed because I had ordered the pants before the closing announcement and had never received notice that items had to be returned by a certain date. The person took my complaint and said I probably would not hear anything until the end of XX/XX/2018. I waited a little longer than that, hoping it would be resolved, but it still hasnt, so I am sending my complaint to you, in hopes that you will be able to get my money refunded to me. Thank you!
Consumer complaint received 2019-04-22
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (GA)

American Express Serve is a gangster company perpetrating as a credit card company. This is the second time another company has issued a refund. American Express Serve holds this refund for an average of two weeks. They keep finding excuses for not releasing my refunds. They always blame it on the other company. Both times it is American Express that is robbing consumers. The first time they lied on XXXX XXXX. This time they are lying on XXXX. 
XXXX has released my money ( {$790.00} ). This company stated I wouldnt see it until XX/XX/XXXX. My car note is due today. They keep hanging up the phone on me. These folks are very unprofessional. This company needs to be closed down. American Express Serve employees are taught to lie to consumers. They are taught to use delay tactics in refunding consumers money. Please close this company doors if possible. 
If they are doing a XXXX, a XXXX XXXX XXXX XXXX just imagine how they are doing the average consumers. Something must be done to stop this criminal enterprise.
Consumer complaint received 2018-09-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (MD)

I purchased a home XX/XX/2018. 7 months later I received a letter stating my mortgage payment is increasing $ XXXX/month due to an escrow analysis. I can not afford the increase in monthly payments and would not have signed for a loan with payments that high. I have open up an investigation case with my local tax office but it takes 30 days to get an answer. I do not want to get behind on my mortgage payment or it having a negative impact on my credit. The loan company states that can not do anything about the increase in payments. 
I would also like to add XXXX XXXX to this case which is the local office who has done a 3 yr assessment increasing the taxes. I have only been in the home 7 months. The case number for them is Id # XXXX.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OH)

I RECENTLY CHECKED MY EXPERIAN CREDIT SCORE AND NOTICE SOME ACCOUNTS I NEVER APPLIED FOR. THESE ACCOUNTS WERE : XXXXXXXX XXXX XXXXXXXX XX/XX/2023, XXXXXXXX XXXX XXXX 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 XXXXXX/XX/2023.
Consumer complaint received 2023-01-25
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. (NY)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2019-02-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Weltman, Weinberg & Reis Co., L.P.A. (KY)

This CFPB complaint is against the attorney 's located at WELTMAN, WEINBERG & REIS , CO., L.P.A.  that is representing XXXX XXXX, XXXX. I have responded to them on XX/XX//18 with a letter and legal notice referencing the FDCPA to cease all communications. They received it on XX/XX//18 via certified mail. They are trying to collect on a debt that is paid in full with a company that is out of business and I have provided documentation proving this with a copy sent to them and the XXXX County District Court located in the Kentucky Court of Justice. They continue to send me documentation that is irrelevant to this so called " debt '' and I continue to be harassed by this attorney and his office. I demand them to cease all communication with me about this debt to the form of bullying and harassment or I will move forward with a lawsuit of my own against this attorney and his office trying to collect on an invalid debt.
Consumer complaint received 2023-07-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance : {$100.00} ; XXXX XXXX, XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1200.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$220.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX Balance XXXX {$1400.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/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
Consumer complaint received 2023-08-28
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: United Shore Financial Services, LLC (UT)

I have contacted United Wholesale Mortgage and I have had my mortgage Broker also contact them asking that they correct the incorrect information on the pay history of my account. I have also completed a conference call with the lender an the credit bureau. 

United Wholesale Mortgage is reporting I was late XX/XX/XXXX 30 days and this is not correct. I was 30 days late in XX/XX/XXXX and CURRENT XX/XX/XXXX. UWM is also stating I was 30 days late on XX/XX/XXXX which is not accurate. On United own site it does not show I was 30 days late in XX/XX/XXXX which I was not and my account history shows I was not 30 days past due. 

United Wholesale Mortgage is not changing these items to reflect correctly which is resulting in a lower credit score so they can charge a higher rate and fees on the loan that I am currently in process of
Consumer complaint received 2022-09-10
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. (GA)

XXXX XXXX has the wrong name on my account, XXXX  XXXX XXXX has XXXX of charges that ares not mine and would like to report. XXXX XXXX needs to be looked Into. My XXXX XXXX  I am trying dispute
Consumer complaint received 2019-04-23
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. ()

I have a loan with XXXX XXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX XXXX and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, TransUnion and XXXX XXXX XXXX XXXX with no successful resolution. XXXX, XXXX, TransUnion only reporting me 30 days late. There was an error on their part. I was never 30 days late.
Consumer complaint received 2019-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (HI)

I have a loan with BANK OF AMERICA, N.A. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called BANK OF AMERICA, N.A. and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX and BANK OF AMERICA, N.A. with no successful resolution. XXXX, XXXX, XXXX only reporting me 30 days late. There was an error on their part. I was never 30 days late.
Consumer complaint received 2018-11-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CT)

I graduated college in XX/XX/2011 and my loan at the time was around {$35000.00}, currently my balance is {$46000.00}. I feel I wasn't given the proper guidance and how to handle my loans. I feel there has been added on charges as well, as Navient has been know to do.
Consumer complaint received 2023-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

My XXXX XXXX  report shows an account that I don't recognize with Citizen 's Bank, The report indicates that it was opened on XX/XX/XXXX and closed on XX/XX/XXXX. Some of the information on the report pertaining to me is incorrect. This account is over 7 years old. I don't understand why it's on my report
Consumer complaint received 2022-12-29
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Weber & Olcese, PLC (MI)

On or about sometime XX/XX/2022 Weber and Olcese threatened me with garnishment of my payments of Supplemental security Insurance and Social security XXXX insurance and began taking payments under the guise of saying that I had volunteered. I never volunteered anything. I never agreed. I asked them to send me paperwork and they could not produce anything but garnishment paperwork. This forced me to have to file for bankruptcy. I was looking to open an XXXX account and researched and came across this : XXXX  : XXXX XXXX, depending on the type of debt. Retirement, spousal and survivor benefits and Social Security XXXX XXXX ( XXXX ) can be garnished to pay child support and alimony ; court-ordered restitution to a crime victim ; back taxes ; and non-tax debt owed to a federal agency, such as student loans ( although these are largely immune from garnishment during the government 's pandemic moratorium on collecting student debt payments ). 

This was a credit card debt, therefore it did not meet criteria to be garnisheed.
Consumer complaint received 2023-09-02
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc. (NV)

Student loans were forgiven under XXXX Vs XXXX, as part of the agreement Advantage is required to place loans in forbearance until the loan forgiveness can be applied. Advantage has not placed these loans in forbearance and these loans are now accruing interest.
Consumer complaint received 2024-02-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (CA)

I'm disputing some accounts due to identity theft ; they weren't opened by me, and I've never benefited from them. You must remove these fraudulent accounts promptly to comply with the law, or I'll have no choice but to take legal action against you.
Consumer complaint received 2019-04-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (NJ)

On 4XX/XX/XXXX My paycheck was garnished for student loan defaults. When I called the government agency involved I was told that my debt had been passed off to a debt collection agency and that the situation was completely out of their hands. I then reached out to the company to figure out what was going on. I asked them why I had not received any notifications about what had happened and that is where it turned bad. They said that they had been attempting to contact me at an address that I had never heard of and that they refused to do anything other than continue to garnished my wages. I told them I would like to set up a repayment plan and they refused.I need help
Consumer complaint received 2018-09-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (NC)

Re : Wells Fargo Claim # XXXX Wells Fargo ( WF ) refuses to review video of problem to assist the return of my funds. 
Problem : I used an ATM at WF / XXXX Branch on XX/XX/18 about XXXX PST to withdraw {$200.00}. 
After keying in my information to withdraw my funds, I was diverted away from my transaction by the image pop up congratulating me of my 40 something anniversary. 
I proceeded with using my hand held device to take an image of the screen of the ATM displaying my anniversary. Then pulled away and drove 3/4 around the branch and realized I did not have my {$200.00}. I did not see or notice any other cars at ATM. Pulled around to ATM, no money at ATM. I did not receive my money I went inside and filed a claim. After a letter and two calls to WF, they refuse to provide funds and refuse to examine video to investigate what happen. 

Please Note : WF time stamped transaction ATMID : XXXX information provided at second request states ; " XXXX_ATM_Will_Take_Your _Cash Back ''. 

I speaking with WF representatives, I believe " XXXX '' in Arizona at XXXX XXXX was very short and very rude.