davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-22
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: CITIBANK, N.A. (CA)

On XX/XX/2020, I made a purchase of over {$25000.00} at XXXX XXXX in XXXX, CA. I applied and was accepted for My Best Buy credit card which offered 10 % back in rewards on first day purchases for new My Best Buy Credit Cardmembers. I kept expecting a ~ {$2500.00} credit on my monthly statement, but have never received any credit. I have never received any information about this credit or rewards. I figured that it was probably due to the Covid-19 shutdowns and would visit the store after the shut down order was lifted in California. 

After the Best Buy store near me was opened, I went to make a purchase with my rewards and was notified that I had no rewards. I called the Best Buy Credit Card rewards department ( XXXX ) on XX/XX/2020 and was told that my rewards were used to purchase XXXX. I am XXXX years old and I don't do XXXX. Obviously, their system had been hacked and my account was wiped out of all rewards. The individual filed a report ( Case no. XXXX ) regarding fraudulently charged rewards. I never heard back. 

I called the rewards department again on XX/XX/2020. XXXX told me that {$2400.00} of rewards was used to purchase XXXX stuff and mailed to my home address in XXXX, California. Again, not only do I not do XXXX stuff, I never received anything at my address. If the hackers were smart enough to know how to hack into the Best Buy rewards department and use my account, they would be smart enough to know how to get the merchandise rerouted. 

Today, XX/XX/2020, I called the rewards department again and spoke with XXXX. He informed me that the case was closed and no further action was to be taken. I have never had any communication from Best Buy about this or anything. After some discussion, he reopened the case ( Case no. XXXX ). I am not hopeful.
Consumer complaint received 2020-07-22
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX Company Inquiries : US SM BUS ADMIN XXXX XXXX XXXX
Consumer complaint received 2020-07-22
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX Company Inquiries : US SM BUS ADMIN XXXX XXXX XXXX
Consumer complaint received 2022-09-13
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: EQUIFAX, INC. (GA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$9300.00} XXXX XXXX XXXX Balance Owed : {$0.00} BEST XXXX XXXX  XXXX Balance Owed : {$1600.00} XXXX XXXX XXXX Balance Owed : {$560.00} XXXX XXXX XXXX XXXX Balance Owed : {$11000.00} XXXX  XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$490.00} XXXX XXXX  XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Consumer complaint received 2024-05-14
Product: Credit 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: Paypal Holdings, Inc (CA)

Saw a number of transactions going on with our PayPal debit card. I called Paypal at XXXX something in the morning. While on the phone there was a second XXXX charge going on. The Paypal representative canceled the card and had me change the account password. They opened a claim on all of the charges. But XXXX  days later the charges were denied. They told me that they could not prove I did not do the charges. I specifically told them numerous times I did not make those purchases and I have never done business with either of the companies. I do not even know who that is. They refuse to comply with my request and will not reimburse my funds. I state that I did not authorize all of these transactions. They are Unauthorized transactions! 

XX/XX/2024 XXXX - {$260.00} XX/XX/2024 XXXX - {$260.00} XX/XX/2024 XXXX XXXX - {$140.00} XX/XX/2024 XXXX XXXX - {$42.00} XX/XX/2024 XXXX XXXX - {$250.00}
Consumer complaint received 2022-09-14
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 XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2024-04-05
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: BETHPAGE FEDERAL CREDIT UNION (DC)

Bethpage Federal Credit Union will not allow me to make a principal payment on my XXXX loan unless I do so from an account at the XXXXredit union, according to a representative from the bank. 

Because I live nowhere near the bank, online payments from another bank are my only option for paying down the principal, and Bethpage had allowed me to do this in the past. 

The company will not explain to me why it has disabled this capability on its website and is unfairly earning extra interest on my loan by not accepting a principal payment online.
Consumer complaint received 2020-07-22
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX Company Inquiries : US SM BUS ADMIN ODA XXXX XXXX
Consumer complaint received 2022-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LendingUSA (FL)

To Whom It May Concern : Thank you for taking the time to read this letter. Im writing because I noticed that my most recent credit report contains late payment reported on XX/XX/XXXX for my LENDINGUSA account. Id have an excellent repayment record. Ive had a spotless record of on-time payments. Im planning to apply for a mortgage, and its come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. The payment is not late and not 30 or 31 days past due because the payment for XX/XX/XXXX was received on XX/XX/XXXX, and shows on the statements I receive that I suppose to honor will a grace period before late every month this month statement shows XX/XX/XXXX. PLEASE STOP ADDING 30 DAY LATE PAYMENTS ON MY CREDIT REPORT WHEN I PAY MY BILLS PROPERLY OR WILLING SUING YOUR COMPANY.
Consumer complaint received 2018-07-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AZ)

My current bank USAA FSB has violated my financial privacy by adding my partner to my PERSONAL checking account after being instructed multiple times not to. They have also been unable to remove him without signing a form. This seems inconsistent with the fact that I never authorized him to be added in the first place, instructed them to open up his OWN account yet they still failed to listen and let him get added anyway.
Consumer complaint received 2022-09-14
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. (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 XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2018-07-06
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Movement Mortgage LLC (TN)

Movement Mortgage I'm very distraught of the lost XXXX Earnest Money, XXXX Inspection, totaling XXXX. The XXXX appraisal fee was was returned to me but the rest of my lost hasn't been addressed. XXXX XXXX requested the closing date be extended and which I agreed and then the loan wasn't approved which made me loose my XXXX earnest money and XXXX inspection money. I would like for that to be returned to me to settle this matter. 

My prior CFPB # XXXX
Consumer complaint received 2018-07-06
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: Colony Brands, Inc. (MO)

I have Never had a account with this company but they are reporting under a bankruptcy on my credit. They have been provided a identity theft report still keep saying I have a account. I requested documents ( original ) contract with my signature or information used to op en this account. I was told by a rep this account was opened online they have no documents. I have requested multiple time this account removed from my credit report. I have no idea who this company is also have no contract. They are not on a bankruptcy in which they added themselves. This has prevented me from moving also damaging my credit all for a company I have never done business with.
Consumer complaint received 2017-08-02
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX I was surprised to find a much lower than expected balance in my business checking account. I was concerned that fraudulent activity may have resulted in unauthorized use of the funds in my account. I spoke to my bank and was told that with all pending and processing transactions I had an available balance of {$200.00}. I thought the balance was significantly higher. Though I was departing on vacation, I was confident that further fraudulent activity, or any further withdraws for that matter would be impossible due the fact that I had not affirmatively opted in for overdraft protection for ATM and debit/pos transactions. The logic being, even if someone did have my information that the bank would not authorize any subsequent transactions because after an ATM withdraw of {$180.00} my available funds should have been less than {$20.00}. I confirmed with my banker that I was not enrolled in overdraft coverage either through a connected account or the more common {$35.00} fee per transaction. I was shocked to see upon returning from my vacation that my account had a balance of - {$1100.00}. Not only was I unprepared for the overdraft fees associated with the transactions that brought the account negative I was confident that any transactions ( some of which do indeed appear fraudulent ) would be able to be debited against my available balance. This has left me in a dire financial situation. I went into the branch and confirmed that overdraft coverage was indeed not authorized on my checking account and the banker could not explain why the transactions ( which were charged {$35.00} overdraft fees as well ) were authorized. This is very distressing since I made financial decisions as well as a decision to postpone assessing prior transactions on the reasonable assumption that my account would not be charged anything past my very low available balance. This has left me in a difficult financial situation made even worse by the fact that any deposit made by me must first be used to pay off a negative balance and associated fees. Furthermore, my banker can not tell me why or how these transactions were authorized. This means I literally only have the downside of overdraft coverage and none of the benefits.
Consumer complaint received 2022-09-14
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (MA)

On XX/XX/2022 I made a {$320.00} all cash deposit at their ATM. This took place at TD Bank XXXX XXXX XXXX in XXXX XXXX  My checking account shows they put a deposit hold on {$200.00} of my money. The receipt I received that day says " forced deposit ''. The ATM machine did not give me the usual option of asking what, cash or check or both, and how much I was depositing. It knows I deposited {$320.00} because it counted it and the receipt shows that. 
The bank has no reason to do this to someone who has deposited much larger amounts of cash in the past with no problem and has been a loyal customer for several years. 
The ATM obviously has a defect and I'm paying the price. I want my money and this whole situation cleared up. I also want them to pay any fees incurred to my account for going below the monthly minimum of {$100.00} if that happens because of their machine 's mistake.
Consumer complaint received 2022-09-14
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: ERC (FL)

XXXX XXXX XXXX XXXX XXXX XXXX  ERC collection agent I requested documentation from ERC about an Account that they are reporting on my credit report, this is my second time requesting information. ERC send me a copy of some agreement with a signature that does not belong to me. I dispute this with the credit bureaus and the claim it was verified. However, this account doesn't belong to me.
Consumer complaint received 2015-09-10
Product: Credit card — 
Issue: Transaction issue — 
Company: AMERICAN EXPRESS COMPANY (CT)

I had a corporate credit card with American Express through my former employer, XXXX XXXX XXXX. My card number was XXXX. I was retired from the company on XXXX XXXX, 2015. I turned my credit card in to the company account administrator on XXXX XXXX, 2015. I filed my final reconciliation with my company on XXXX XXXX, 2015. Unknown to me, on XXXX XXXX, 2015, someone charged XXXX X {$35.00} = {$350.00} to reinstate XXXX Points to my account. American Express says this was done " on line '' but AMEX can not identify who did it. I do not believe that I did this in any way, as the " reward points '' are only approximatekly XXXX miles and are certaily not worth {$350.00}. I had a phone conversation with AMEX on this topic on approximately XXXX XXXX and specifically told them I did not want to reinstate these points as they were not worth {$350.00}. I did NOT go on line after that and order this reinstatement, as I clearly understood it was not worth it. Someone at AMEX must have done it XXXX AMEX says they have no record of who did it XXXX. In any event, I do NOT want these miles to be reinstated, and I have been telling this to AMEX ever since I saw my latest bill around XXXX XXXX. I want a reversal of these charges. 
AMEX has told me twice they would reverse the charges ; most recently yesterday XXXX XXXX XXXX, 2015 XXXX by a customer service representative named " XXXX '' at extenstion XXXX. Then I am told they will not reverse the chrages because my account is closed, which makes no sense because they are still billing me for this - my account is closed in the sense that I ca n't make more purchases, but it is not closed in the sense that AMEX still is billing me for something I clearly do not want and they can not show that I ordered ( because I DID N'T order it!!!!! ). 
Please help he with this. AMEX has a complaint case number on this. It is XXXX. 
Thank you.
Consumer complaint received 2022-09-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (NJ)

I received an alert from XXXX XXXX- a debt was filed against me on XXXX from a company called Transworld System IncXXXX for a debt from XX/XX/2016 from XXXX XXXX XXXX which services XXXX XXXX XXXX I have not lived in XXXX XXXX in over 15 years which I explained to XXXX- This collection agency did not provide an account number or a service address. I filed a dispute with XXXX and they did a XXXX XXXX investigation and seems like they are going by this company 's verbal statement instead of asking for information verifying this was my account. I contacted this collection agency today explaining why I was calling wanting the information verifying the account and stated I will not provide any banking ; credit card or social security number and they hung up on me. This is a total scam. Why would it them over 6 years to find me?? I was not in hiding. If this is my account, this company should have no problem providing an account number and service address in writing.
Consumer complaint received 2018-07-06
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Messerli & Kramer P.A. (WI)

For months Messerli & Kramer have been harassing me over the phone demanding I settle debt with a XXXX XXXXXXXX XXXX XXXX card. They were not able to listen or work with me on the debt considering I had fraudulent activity on my Debt card around that time frame I questioned the debt and ignored their advances and told them to leave me alone. Around late XX/XX/2018 I  received a summons from Messerli & Kramer at the late hours of the night from someone who insisted that it was a court matter where I had to appear or file for an answer. I then contacted Messerli & Kramer asking for signed documentation of the agreement that I had with XXXX XXXX XXXX XXXX which was not provided. I asked for signed verification of transactions from the dates in question for transactions I did not recognized which was not provided. I did happen to receive generic documentation with a debt owed and a rundown of the transactions without signed verification including a header stating that Messerli and Kramer were Attourneys at Law NOT debt collectors ( I can prove this as well and will attach ). I provided this same documentation in an answer to the circuit small claims court along with a counterclaim request about the repeated violations of the The Fair Debt Collection Practices Act but my counterclaim was denied as well judgement ruled against me which leads me to file my complaint here.

Attachment of Article 1 : Documentation provided by Messerli and Kramer and Example of XXXX transactions from XX/XX/XXXX that I don't recognize and no signature verification provided Attachment of Article 4 : As you can see from the Header they are representing themselves Attorneys at Law instead of Debt Collectors