davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (DC)

This is a follow up to my original complaint and a response to the correspondence from Comenity Capital Bank. 



Dear XXXX XXXX, Thank you very much for your response to my complaint filed with the Consumer Protection Finance Bureau, I appreciate it.

However to truly address my concerns you would have to take note that the situation happened as a result of the misleading information that was given to me by your representative. I was falsely informed that the {$40.00} turned {$54.00} late fee due to XXXX XXXX XXXXXXXX was going to be waived by your bank that was taking over the XXXX credit card. 
I stupidly trusted what I was told and did nothing, sadly that resulted in me accruing {$120.00} late fees, a late payment notice to the credit bureaus affecting my credit score, and my request to close the account being ignored for almost four months until filing this complaint. 

I appreciate you waving the {$5.00}, however to get the resolve that I believe I'm owed would mean you investigating my account further, realizing I made one charge on the XXXX XXXX account and paid it in full ( though my check went in the mail late ), which resulted in the excess fees from your bank. I'm totally fine paying the original {$40.00} late fee that was owed to XXXX but would like ALL of the additional fees that you charged me resulting from the misleading information given by your representative reversed, and a check mailed to me. 



Thank you very much in advance for your consideration.
Consumer complaint received 2022-12-14
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 (IL)

I was involved in a fraudulent gift card scheme. I obtained an email from what I thought was paypal indicating fraudulent activity on my account. I logged into my paypal acount and noticed there were 4 suspicious transactions. I then contacted the number on my email as I had falsely assumed that paypal had reached out to me. I was then connect with the scammer who then discussed my suspicious transactions and transferred me to who I thought was chase fraud. This scammer represented that my account was compromised and I was transferred to who I thought was a federal agent. They then said to secure my funds as my account was compromised I purchased prepaid amex and visa credit cards. I then provided these numbers back to the scammers on the phone. Once I realized what was happening the money approximately {$15000.00} had been removed from my accounts.
Consumer complaint received 2020-12-22
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. (TX)

I have been sending letters to Equifax to validate a debt XXXX XXXX XXXX is claiming that is mine. I have went through an Administrative Process with XXXX XXXX XXXX to see if they can bring forth original, signed documentation, but they have not done so. So, I do not know how Equifax is able to 'verify ' anything with original documentation. I am nervous that they are using the e-Oscar system to verify the claim, and I did not consent to that at all.
Consumer complaint received 2019-03-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Ameritech Financial (SD)

I was working with American Financial Benefits Center, which ended up being a scam and has recently been shut down and is being sued by the United States Government. I joined in the XX/XX/XXXX-XX/XX/XXXX school year and lost thousands of dollars because of this scheme.
Consumer complaint received 2023-07-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (AR)

I contacted an offer found on a housing swap on XXXX. The police said they did not have prior issues with this housing page. 
I responded to an offer to rent a unit near XXXX Colorado. The name on the listing to contact was XXXX XXXX. She advertised the room as near a bus stop, pet friendly, and the deposit was the same as one months rent. She sent me a rental application on XX/XX/2021 She then said her lawyer approved my application on XXXX21. I went to the unit after my bank wired her thr money to a bank in XXXX  XXXX Texas near XXXX. 
The owners of the property were home and said the unit was not for rent. They let me sit inside their home and call my bank to refund the money. I didn't recieve assistance that day so I went in person to a branch in XXXX. 
They took my story down after I filed a police report with the XXXX police. 
The bank representaive told me this happens sometimes but I was likely to get back 100 % of the deposit. She said if not I guarantee 80 % back in two weeks. 
That felt like a relief to hear. I called them two weeks later and the same rep talked to me. She said they could not send the funds back because her bank said no. The rep told me I should contact that bank and see if I get different results. I said they were a company worth multi millions of dollars. If the bank did not listen to Wells Fargo why would they listen to me. The rep said there was nothing she could do and no money would be returned to my account. 
I filed that report with their fraud department.
Consumer complaint received 2023-07-17
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: SANTANDER HOLDINGS USA, INC. (TX)

I financed a vehicle thru Santander Consumer USA on XX/XX/XXXX I put a down payment of {$8900.00} which I later found out that this act was illegal due to the fact that my social security number was used to facilitate this Consumer Transaction..After studying Consumer laws I found out that I was violated in many ways..I sent out certified letters to Santander to discuss remedies and I was ignored..Then on XX/XX/XXXX XXXXMy vehicle was unlawfully repossessed without any judicial action.. see 15 USC 1692 f
Consumer complaint received 2022-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I have a loan with XXXX XXXX XXXX XXXX. I have always made my payments on time. Ive contacted the bank about the issue & they continue to fail to provide me with verifiable proof. Ive disputed it with all three ( 3 ) credit reporting agencies & they too are withholding any verifiable proof, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian and Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Experian and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I believe their records are wrong & Id like this matter handled ASAP. Please update to paid as agreed/never late. 

XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}
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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have a mortgage loan with XXXX XXXX, and I have always made my payments on time. I'm trying to refinance my mortgage to another company and now being told that my payments show as 30-90 days late. I realized that there were late payments on my credit report for XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. I called XXXX XXXX multiple times this year to correct payment errors. XXXX XXXX was not applying payments correctly to mortgage payment. Payments were being sent from my bank account and XXXX XXXX would hold these payments in a " unapplied funds '' accounts. As a result, XXXX XXXX was reporting my payments late and incurring late charges. In XX/XX/XXXX I contacted XXXX XXXX to correct these errors. They did eventually reversal all late charges and apply money correctly but never updated credit report to reflect as " on time ''. I tried contacting XXXX XXXX with no successful resolution. There was an error on their part. I was never 30+ days late.
Consumer complaint received 2023-03-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (CA)

I applied for short sale on my home and submitted all the documents requested and recieved a letter stating that the file was complete but shell point continually and persistently keeps scheduling foreclosure sales on my home even after sending a letter stating that the file was complete, i know that the California Home Owners bill of rights has laws and guidelines in place protect homeowners from these violations, one thing is being said in writing and another thing being done in fact i recieved a email on XX/XX/23 stating once again all the document were in, I should not have to live under constant stress by the servicing company while I`m trying to sale my home sending foreclosure notices to my home i expect my rights to be protected under the law, and not deal with this harrassment
Consumer complaint received 2023-01-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have disputed this XXXX XXXX and it has not been corrected. The account is still reporting wrong on my credit report but it is already closed. The account has been closed since however, the account payment status is 30 days late. The account payment status CAN NOT be 30 days late on an account that has been closed. The account status is wrong and should be closed. Now, I want you to correct this misinformation on my file. XXXX XXXX XXXX Date Opened : XX/XX/2017 Balance : XXXX
Consumer complaint received 2021-04-19
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: WELLS FARGO & COMPANY (TX)

I have been a Wells Fargo customer since high school ( XXXX ) and I thought I would get a credit card with them to build my credit. Years gone by, it has been fine until XXXX. This undisputed debt is haunting me! My credit score is hurt sooo much by this. I work hard and I am trying to purchase my first home. 

I know I am a few years too late but I have my reasons why. 
Back in XXXX I was going through family issues and was homeless. I was living in hotel by hotel every day for months. I had left my credit card in one of the drawers, when I came back to grab it was gone. Tons of purchases has been made on that card that wasnt mine. I had went to Wells Fargo about it twice in that year. First time the guy that helped me was telling me that I HAVE to pay it no matter what. I asked him to help me with options and he said that since the amount was too much, I was basically forced too pay ALL it. At the time I didnt have money to pay it all at once and the way he told me made me feel uncomfortable, so i walked out. Second time I went to Wells Fargo, was in XXXX. During the pandemic I had called Wells Fargo and told them about my situation, the guy told me that I had enough money to pay it off from my checking account. HOW DOES HE KNOW? I have other bills to pay for and I didnt want to pay for anything I didnt purchase. 
I pay my bills on time and Ive never thought I would have to go this route. 

Please help me! Trying to purchase my first home and better my future!
Consumer complaint received 2018-04-27
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. (VA)

I received a copy of my credit report from EQUIFAX. 
The credit report showed a fraudulent account that I did not applied for. I have asked Equifax to remove this fraudulent accounts that they are reporting on my credit file. to this day Equifax has fail to remove this fraudulent accounts in violation of FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) I have send a copy of XXXX XXXX XXXX Police Department Fraud Case # PD XXXX I have asked Equifax to remove the FRAUDULENT ACCOUNTS listed below that remain on my credit report in violation of FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Consumer complaint received 2021-11-10
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: Experian Information Solutions Inc. (VA)

I noticed these fraudulent accounts and inquiries on my credit reports and I've disputed them several times with the companies and XXXX, XXXX and Experian and they are still stating these are mine without properly verifying. Please remove the following fraudulent accounts and inquires immediately, thank you. 

Accounts Opened Amount XXXX XXXX XXXX XX/XX/XXXX {$800.00} XXXX XXXX XX/XX/XXXX {$7700.00} XXXX XXXX XXXX XX/XX/XXXX {$2100.00} XXXX  XX/XX/XXXX {$800.00} XXXX XX/XX/XXXX {$2500.00} XXXX XXXX XXXX XX/XX/XXXX {$440.00} XXXX XXXX XXXX XX/XX/XXXX {$740.00} XXXX XX/XX/XXXX {$2300.00} Hard Inquiries XXXX XX/XX/XXXX N/A
Consumer complaint received 2022-12-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NY)

my personal account was closed without notice and without cause. I spoke to everyone at the bank that i could reach, but no one can tell me why my account was closed and why i was not notified. 

I found out my account was closed when my transactions started to get returned. 

And now, they will not let me withdraw the money. they said I have to wait till I receive a letter and can not tell me when and how I can withdraw my money. 

this can cause a customer a great deal of harm. I can not use my funds and have all sorts of running expenses to support a family.
Consumer complaint received 2023-03-18
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: SYNCHRONY FINANCIAL (LA)

I made a purchase of {$410.00} on XX/XX/XXXX that was supposed to ship out and never did. I reached out to the company that I purchased this from on XX/XX/XXXX. I did not hear a response by XX/XX/XXXX, so I sent a follow-up email regarding my request. On XX/XX/XXXX, I finally received a response letting me know that I could cancel the order, minus a 10 % cancellation fee. When I found that out, I told them that I would like to keep the order, but did not hear back. 

On XX/XX/XXXX, I filed a chargeback in the full amount through PayPal Credit and through my PayPal account ( two separate disputes ). On XX/XX/XXXX, I finally got a response from the company I purchased the product from, stating that they would be happy to ship the product out that day if I canceled the dispute. I did not respond, as I wanted to continue the dispute. 

On XX/XX/XXXX, I received an email from the company I purchased the product from, stating that my order was refunded, with a chargeback and - {$410.00} listed on the receipt. 

On XX/XX/XXXX, I received a charge for {$410.00} on my account ( again ). On XX/XX/XXXX, I received a letter from PayPal Credit, notifying me that the dispute did not end in my favor, and that the charge was placed back on my account. 

On XX/XX/XXXX, I reached back out to PayPal Credit to dispute the purchase again, citing the new receipt that I was given stating that I was going to be given a refund by the company I purchased the product from. On XX/XX/XXXX, I checked the status of the dispute to see that it was closed again in the sellers favor.
Consumer complaint received 2019-06-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TD BANK US HOLDING COMPANY (CA)

I XXXX XXXX along with my wife XXXX XXXX are in a position to file for a Chapter XXXX bankruptcy.   However, as a means of pursuing a reasonable procedure to get out of debt over the next year without such a drastic step, we are requesting very low settlements in the 20 % range of where our debts were at the last payment. Accordingly, we believe that we only have one chance at this, and if we do not start receiving settlement offers soon, we will retain the bankruptcy attorney we recently consulted. Therefore, we request letters of settlement, and we request the cease and desist from all calls to our home, cell and/or work. We desire to resolve these matters in written form only. 

Thank you for your consideration in this matter.
Consumer complaint received 2022-12-14
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)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I have a loan with XXXX XXXX XXXX XXXX. I have always made my payments on time. Ive contacted the bank about the issue & they continue to fail to provide me with verifiable proof. Ive disputed it with all three ( 3 ) credit reporting agencies & they too are withholding any verifiable proof, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX and Equifax are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I believe their records are wrong & Id like this matter handled ASAP. Please update to paid as agreed/never late. 

XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}
Consumer complaint received 2019-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

i recently signed up for an account with XXXX and they told me there a hard inqiury for that. But there a currently 2 inquiries regarding the same account which is unauthorized for. it was done without my consent and my without my permission. 

Equifax Credit Agency. 
Hard inquiry : - XXXX. 
Date : - XX/XX/2019.
Consumer complaint received 2023-03-18
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Penn Credit Corporation (MD)

Dear Sir/Madam, I am writing to you regarding a debt that you are attempting to collect from me in relation to a camera ticket. I am requesting that you provide me with validation of this debt to confirm that it belongs to me. 
According to the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of a debt. I believe that I have the right to receive this validation before any further collection activity is taken against me. 
Please provide me with the following documents to validate the debt : 1. A copy of the original citation or notice of violation that shows the date, time, and location of the alleged violation ; 2. A detailed breakdown of the charges and fees associated with the ticket, including any interest or penalty charges ; 3. Proof that you are authorized to collect this debt on behalf of the issuing agency or municipality ; 4. Any photographs or other evidence that support your claim that I owe this debt ; and 5. Any other documents or information that you believe support your claim that I owe this debt.

Please note that I am not acknowledging that I owe this debt or making any payments at this time. I am simply requesting that you provide me with the necessary information to verify that this debt belongs to me.

I request that you respond to this request within 30 days from the date of receipt of this letter. If you are unable to provide the requested information, please provide me with a detailed explanation as to why you are unable to do so.

Thank you for your cooperation in this matter. 
Sincerely, XXXX XXXX