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: WELLS FARGO & COMPANY (MI)

On XX/XX/2022 Wells Fargo made a {$11000.00} payment to XXXXXXXX XXXX  to transfer the balance. Wells Fargo then again on XX/XX/2022 mistakenly and without my authorization or request made a second payment of {$10000.00}. This caused an overage of payment and a credit balance with XXXX, but also created a situation where I am now {$10000.00} over my " credit limit ''. Wells Fargo is charging me two transfer fees and over-the-limit fees. This was 100 % their mistake. I called after my card was declined and Wells Fargo said I have to work out the refund with XXXX! I was told I had to call XXXX  and request a refund and then pay them back. The credit card company who made the payment should be able to work directly with the credit card company who received the over-payment. I as the consumer should not be harmed by this mistake either with fees, penalties or poor credit reporting. I have no control over what CC companies pays another and yet the solution had landed squarely in my lap to " fix '' this mess.
Consumer complaint received 2021-02-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (WA)

I made XXXX payment XXXX XXXX, 2020 and they closed my account on XXXX XXXX when all banks are closed? Of course they closed because I paid of the part of the balance that would allowed them to charge intrest. I have made my payments as promised and haven't not defaulted on any credit card. Closing my account like they did negatively effects my credit score. Synchrony Bank has history of pulling this XXXX! They randomly make decision that negatively effect your credit no matter what your payment history is with them. They need to be shut down!
Consumer complaint received 2023-03-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (VA)

CONVERGENT OUTSOURCING , INC . 
Settled with me on XX/XX/23 for {$300.00}. I asked for a letter of verification that said I paid, first I was told 48 hours then 72 hours. Then I checked my credit score and what wasnt paid said was still owed. I know they have a copy of the conversation and I do too. Now if this isnt investigated the right way I will contact a lawyer and the fact I have to go through this I want this off my credit immediately and Ill see what my lawyer says about the scam.
Consumer complaint received 2023-03-20
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. (MA)

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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. Please remove the account : XXXX XXXX XXXX
Consumer complaint received 2019-07-02
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. (GA)

My identity had been stolen in pass data breaches, I have account in my file that do not belong to me. Please removed this items from my report, I have follow the steps and filed an FTC complaint that is attach to this report as well as my ID, SS and proof of address. Thank you.
Consumer complaint received 2019-07-02
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Protection Association, L.P. (FL)

I disputed this claim on all three reports for over 1 year now. I sent notarized letters, disputed through a credit repair paid company do no avail. I called and spoke with three different people on a call that took over 1 hour. I told them I DO NOT have a balance due and I am not the one who has an account for {$240.00} for XXXX - The representative pulled up an account that was only XXXX cent! They told me they found a true account that I was able to verify was MINE for XXXX cents. I was told they will investigate the fraud account stated here and I would get a letter. On XX/XX/2019 I got a letter stating the account was MINE. There were no more calls, proof of ID 's shown to open an account or where hte account was located. I now have damaged credit and a victim of fraud twice, with whomever opened this account in my name ( AND they used my maiden name, XXXX and not my legal name to open it which is XXXX ).  This company should have to provide proof of IDs shown to open this account - and to say they have another account with only XXXX due that is NOT on my credit that I was able to CONFIRM was in fact mine, then leave this fraud account in my name in collections for {$240.00} does show a direct attempt to cause harm to my credit report knowingly.
Consumer complaint received 2018-04-30
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (CA)

Synchrony bank, Wal-Mart credit card.

When they upgraded my card, they changed the account. When my automatic bill pay sent the payments, they credited a " closed account '', while the " new account '' became delinquent. As I tried to buy a home at the end of 2017 .... I paid over {$1000.00} ( mostly late fees and interest ) just to close my escrow!

Now they came after me AGAIN for {$50.00} here and {$85.00} there ... .. I have complained, gone to escalations, have a stack of letters. I finally paid the small amount to shut them up, they credit the wrong account AGAIN .... and send me the $ $ back!!!! Now they are calling again. I have letters of them juggling between the 2 accounts. I get someone on the phone, and they try to help, just to get the check refunded to me over and over again!
Consumer complaint received 2023-03-20
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. (MA)

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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. Please remove the accounts : XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2019-07-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

ON XXXX, THE BANK OFAMERICA XXXX XXXX XXXX,XXXX, XXXX XXXX, TEXAS XXXX, XXXX XXXX NEGLLIGENTLY AND DELIBERATELY , FAILED TO WITHHOLD TEN PER CENT AS WITHOLDING TAX FROM THE AMOUNT TRANSFERRED FROM MY IRA INTO MY SAVINGS ACCT.INSPITE OF THE COMPUTER CLEARLY INDICATED THAT THE TAX BE WITHELD.I WENT BACK TO THE BANK AGAIN AND AGAIN.NEITHER XXXX NOR XXXX ANOTHER EMPLOYEE WOULD HELP.XXXX   WOULD NOT EVEN TRANSFER BACK MONEY INTO THE IRA.THAT WAS IN XX/XX/XXXX.ON XX/XX/XXXX I AGAIN ASKED XXXX TO WITHOLD THE TAX FROM MY SAVINGS ACCT.SHE REFUSED TO DO THAT.SO I BELIEVE THAT AROUND XX/XX/XXXX, I DECIDED TO CLOSE MY IRA, AND INSISTED THAT XXXX WITHOLD TEN PERCENT AS TAX, AFTER THAT I CLOSED ALL MY ACCOUNTS WITH BANK OF AMERICA, AFTER I FILED MY XX/XX/XXXX TAX RETURN WITH THE HELP OF PREPARER, THE IRS IMPOSED PENALTY AND INTEREST.NOT MY FAULT. 

IN SUMMER XX/XX/XXXXWHEN I WAS TRYING TO GET MY FUNDS FROM XXXX, XXXX KEPT MAKING MISTAKE AFTER MISTAKE.I HAD TO GO TO POST OFFICE AT LEAST THREE TIMES.THE PEOPLE IN FLORIDA WERE ANGRY AT THE MISTAKES MADE BY XXXX.THE LAST TIME SHE AGAIN FORGOT TO TYPE SOME THING .SHE TOLD ME TO WRITE IT IN.I HAD TO TELEPHONE FLORIDA AND REQUEST THEM TO ACCEPT THE FORM.IT COST ME TIME AND MONEY TO KEEP MAILING THE FORM. 

THE BEHAVIOR OF XXXX WAS TOTALLY UNPROFESSIONAL.SHE WAS INTERESTED IN MY PRIVATE LIFE.PERHAPS SHE WANTED RELATIONSHIP WITH ME.PERHAPS SHE HAD EYES ON MY MONEY.SHE EVEN TOLD ME TO GET MY SOC SECU. DEPOSITS TO BANK OF AMERICA.WHY SHOULD I DO THAT? 
I FILED COMPLAINTS WITH XXXX OF XXXX AND NORTH CAROLINA.ALSO COMPLAINED TO TEXAS AND NORTH CAROLINA ATT GEN. 

I GOT TWO PHONE CALLS FROM XXXX.SHE WANTED COPY OF THE LETTER FROM IRS.I ASKED IF SHE WAS GOING TO PAY ME MONEY.SHE SAID THAT SHE WOULD LOOK INTO IT.SHE CONNED ME INTO SENDING HER MY PRIVATE INFORMATION. 

I HAVE SENT AN EMAIL TO THE CEO OF BANK OF AMERICA THAT I AM NO LONGER A CUSTOMER OF BANK OF AMERICA.I DON'T WANT ANY ONE TELEPHONING ME OR APPROACHING ME.IF I GET ANY MORE PHONE CALLS, I WILL HAVE TO FILE A POLICE REPORT OF HARASSMENT. 

THE CITIZENS NEED TO BE PROTECTED FROM THE BANK OF AMERICA. 

I HAVE REQUESTED THE GOVERNOR OF TEXAS TO CLOSE THE BOA IN XXXX XXXX, TEXAS. 

WHEN BOA EMPLOYEES CAUSE LOSS AND TROUBLE TO CUSTOMERS, THE BANK HAS AN OBLIGATION TO COMPENSATE THE CUSTOMER. 

ANY ONE DEALING WITH BANK OF AMERICA WATCH OUT.BERCAUSE THE BOA EMPLOYEES MAY PULL A TRICK.
Consumer complaint received 2021-11-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

I have a USAA VISA credit card because my dad was a XXXX XXXX veteran ( now XXXX and I am an XXXX ). It had a good credit limit that I could use in emergencies, like purchasing an airline ticket... but since my military veteran XXXX died, USAA dropped me because I am not in the military -- but reinstated me when I reminded them I am still a son of a military veteran. Interestingly, just like previous years when my military veteran XXXX was alive, I didn't use the card ( but kept it for emergencies ), USAA killed my credit limit to a measly {$500.00} and refuse to raise it ... claiming the credit card bureaus are giving them a very poor rating ( outright lie, see attachment ). I am retired, but currently have over an XXXX credit score by all XXXX bureaus, and have over a XXXX dollar net worth. All bills paid on time without exception. My retirement withdrawals from XXXX was reported to the XXXX to have over {$100000.00} income. USAA has XXXX reason to not increase the credit limit to where it was prior to my military veteran dad XXXX  As it is, I might be able to buy gasoline, but hardly anything more because of the extremely small credit limit. Ever since my military dad  died, USAA has been trying to get rid of me ( discrimination ). USAA refuses to tell me over the recorded telephone as to what the credit bureaus supposedly reported, but said they are sending me a letter stating the reason for their discrimination because I have perfect credit reports from all three bureaus. XXXX XXXX puts me at the XXXX score!
Consumer complaint received 2022-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Hey Transunion is reporting fraudulent inquiries and identity was compromised while out of the country. 

Hard Inquiries When you apply for a new credit account, a hard inquiry will usually get added to your report, which can make a small dent in your score. Here are the inquiries on your TransUnion report. 

XXXX XXXX : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Travel/Entertainment ( XXXX ) XXXX XXXXXXXX XXXX Inquiry : XXXX. XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + Credit Union ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Credit Union ( XXXX ) XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX
Consumer complaint received 2022-12-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FREEDOM FINANCIAL NETWORK (AL)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15 USC 1681 section 602 states I have the rights to privacy 15 USC 1681 section 604 A Section A Section 2, it also states a consumer reporting agency can not furnish a account without written instructions 15 USC 1666B A creditor may not treat a payment on a credit card account an open end consumer credit plan as late for any purpose
Consumer complaint received 2019-07-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CA)

On XXXX XXXX, 2019 we received a updated letter from Specialized Loan Servicing agreeing to the payments we were late paying. The agreement was to defer the payment until we sell or transfer an interest in our home. We were 3 months behind because of a major illness. Our latest statement from SLS increased our payments. We were paying XXXX. The payment is XXXX. The balance owed was added to the payment. When we called to clarify. They stated that we will be paying this for 48 months to cover the late payments. We can not afford this payment based upon our income. 


Also, this was a XXXX  adjustable loan that was transferred to XXXX XXXX XXXX. Tried to do a modification and a principal reduction. We were not allowed to do so. We never borrowed any money. XXXX  XXXX XXXX transferred it to SLS. Several attempts were made to modify or reduce the principal.
Consumer complaint received 2020-12-22
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. (OH)

I have an account from XXXX XXXX # XXXX that is Fraudulent activity on it! I have requested that XXXX XXXX forward me a copy of the contract and Itemized statement. There is some type of fraud on the entire account I am trying to protect the integrity of my credit profile. This is my official Police report on file. This is the 3 time I have requested my personal info be updated. My current and only address is XXXX XXXX XXXX XXXX, OH XXXX Please remove the following addresses they are not mine : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX CT, XXXX, OH XXXX
Consumer complaint received 2023-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TX)

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 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Consumer complaint received 2020-02-10
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NY)

i have contact nmac Nissan motor Acceptance on several time to fix my credit report I was told by a representative that if i made payments it would wipe out the late makers on my credit report now because of it my scores and my co signer score has dropped badly to where i can't refinance my auto loan which i look at fdca they cant mislead you in fact which they did they have basically lock me in as they customer instead of fixing the mistake i would like it to have fix as payment on time they have also not have the right payment amount posted on credit reports
Consumer complaint received 2019-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CO)

I am in the process of getting an FHA mortgage. My lender told me I needed to get the dispute comments removed per FHA requirements. I called XXXX and XXXX with no problem. Equifax first didn't answer the call several times. Finally when I got through, they had to verify my identity. I gave them my name, address, social security, credit file number ( I had pulled report online ), answered numerous questions about credit cards, student loans, mortgage payments etc and they just kept asking more and more questions and refused to verify my identity. All the answers were correct, but they just kept saying there was one more question I had to answer. When I questioned this and even after speaking to a supervisor, they agreed the policy was ridiculous, but got extremely rude and said they would not verify my identity. It seemed like once I protested all the questions that they became very rude and unwilling to assist. I explained this was for a mortgage and they said too bad. When I requested to speak to a manager she said she wouldn't give me a manager 's name and would have to see if they were able to talk to me. This call center was located in the XXXX. There seems to be no other option/way to work with them. I should not have to reveal all my personal info such as social and answer 20 questions in order to correct my credit report. Horrible customer service. Unwillingness to help.
Consumer complaint received 2019-04-30
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BMW Financial Services NA, LLC (CA)

BMW Financial Services has a charge off on my XXXX, XXXX and XXXX Credit Reports in which this account # XXXX  was included on Bankruptcy Chapter XXXX on XX/XX/XXXX and debt of around {$20000.00} or {$37000.00} dollars was Discharged by XXXX, Texas Federal Judge on XX/XX/XXXX.

BMW implemented this debt on my XX/XX/XXXX Federal Taxes.

This debt should have been reported to XXXX, XXXX and XXXX and Federal IRS because debt was included on Bankruptcy Chapter XXXX.

BMW Financial Services, XXXX, XXXX  and XXXX are in violations of my XXXX XXXX Civil Rights Act under Department of Justice and Federal and State Laws.

I am XXXX, Retired and a XXXX  Military Veteran.

Also, there is Derogatory Remarks that needs to be removed immediately as I mark Delete on credit reports.

Documents was provided it for evidence on issues.

My credit scores are suffering because of the Derogatory Remarks on my credit Reports..XXXX  score XXXX-XXXX XXXX-XXXX  XXXX my credit was pulled with my written Approval by XXXX XXXX XXXX XXXX on XX/XX/XXXX as I am going through a VA Loan process. VA Loan Consultant XXXX XXXX   -XXXX email XXXX XXXX
Consumer complaint received 2023-07-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EOS Holdings, Inc. (MN)

On XX/XX/2023 I received a phone call from XXXX. A woman on the line who had a XXXX XXXX that was very difficult to understand said she was calling to collect on a debt. She claimed to be from US Asset Management Inc. She asked how I wanted to pay the debt. After repeated attempts to get her to name the company and receiving unintellibible answers I told her that the debt could not be legitimate, I was not going to give her any financial information and she was not to call me again. Though she claimed to be from US Asset Management , INC the caller ID showed XXXX XXXX XXXX  '' I performed a reverse phone number search via XXXX and neither company was associated with the above phone number.
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 — Their investigation did not fix an error on your report
Company: I.C. System, Inc. (OH)

I reviewed my credit report in XXXX of 2020 I noticed a collection with I c systems inc for XXXX. I filed multiple disputes with XXXX XXXX and XXXX stating this was not me. I reached out to sprint and found out it was now XXXX and XXXX  couldnt give me anything but send me the last bill.