davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY (NV)

Because of the incident that started XX/XX/XXXX one fund were promised to me upon the following Tuesday and were not made available when in fact they shouldve been made available that day according to Law my complaint today is that I requested their bankers blanket bonds information and none was given to me I would like to have it immediately also any other XXXX bonds they may have surety bonds insurers so that I may make proper claimsNo one from the company can you give me this information Ive called several times to several different departments its ridiculous The company I am talking about is Wells Fargo bank they truly do have illegal practices as they will not relent to do the right thing even though it is clear and evident with all the evidence I have proven to them that I simply want what is mine or compensation for what they will not give me back Ive been told that my promissory notes Are negotiable instruments by their legal team two times by the same legal team member one over the phone just from reading the document When the banker proceeded to tell The legal team representative that it was hand written he wanted to send him a copy to confirm that it was a legitimate negotiable instrument five minutes after the Insent he confirmed the second time that it is in fact a legal negotiable instruments that their bank can use I didnt spoke with another banker and he contacted I believe his legal team member and they repeated the same thing they also told me I can not receive funds because there was no branch manager XXXX  and I would have to wait until the XXXX which was the following Tuesday and on that Tuesday that banker branch manager Mr. XXXX XXXX informed me that my funds could not be expedited because they are having power outage and computer failure and also proceeded to tell me that the bank will not be honoring my notes and will give no response as to why even after I sent affidavit after affidavit demanding a response I have all of these affidavits the originals and certified mail dates I also have emailsNo direct answer has ever been given to my Inquiries they have big breach the contract by silence and failure to reply and tell you to act as my fiduciary they have Breach the trust And violated the anti-trust laws along with Lord knows how many other fraudulent acts they have done behind closed scenes of what seems to be I simply demanded my property back if he can not They use they will not give it back because they know I know the secrets And the true power of promissory notes an signatureSo I simply ask for them to give me public information which seems to be a big problem For Wells Fargo bank to do I may a phone call yesterday and today about the same thing today is XX/XX/XXXX XXXX
Consumer complaint received 2021-06-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC. (NV)

CAINE & WEINER ( XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$280.00} does not belong to me. This account was fraudulently opened through this company in XX/XX/2017 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2020-12-03
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: DISCOVER BANK (AZ)

When I applied for the loan, the interest rate was 4 %. After graduation, I was told that I can defer my loan payments without being informed that this will increase my interest rate. My interest rate is now 6 % and when I check the principal balance, I think they take interest-only payment during some part of my loan time. I didn't understand much about student loan and interest rate until recently that I understand that I realized that I have been tricked into paying more and more interest with not much applied to the principal through the payment assistance that they provided.
Consumer complaint received 2023-01-10
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. (IL)

I sent in a letter explain errors on my credit report over 30 days ago. I seen a whole bunch of errors and marks on my report that I was un aware of. Especially marks on my report when i was XXXX. I need to this incorrect infor off my report this is affecting my ability to grow since i have been home
Consumer complaint received 2021-05-01
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: GOLDMAN SACHS BANK USA (VA)

Please see attached affidavit which has already been submitted to both XXXX XXXX XXXX and Goldman Sachs Bank. And XX/XX/XXXXhas the audacity to sent a letter to me the consumer, natural person, and original creditor stating that this alleged debt, this charge off was validated and that the alleged debt was mine. This has infuriated me, I personally feel threatened being that with that Goldman Sachs and XX/XX/XXXX are both telling me they are above law in which Congress enacted.
Consumer complaint received 2024-03-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

The companies for which I am filing this complain are all in violation of the law ; 15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other such as : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

These agencies need my written consent to add anything to your consumer report if I did not give this authorization ( for the clarity of this complaint I have provided no such consent ) that is a violation of the Fair Credit Reporting Act In addition the law 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports states : Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

To remedy these violations I will be invoking the law ; 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; For the purposes of this complain I am demanding a retribution of {$1000.00} per violation found on my credit report
Consumer complaint received 2024-03-07
Product: Credit 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: CAPITAL ONE FINANCIAL CORPORATION (DE)

I purchased a gift for someone using my Kohls cash and credit card. It was for a dingle servce blender. I did not send the gift since the person travels for a living to their residence. It was well after the holidays that they were able to receive the gift. Alas, the gift was returned becaUSE OF THE California Warning on the box. When I returned the gift unopened to Kohls they refused because now there is a 90 day return policy. All my years with Kohls the returned policy was unlimited. I think it is horrendous that they can sell an item that clearly has a cancer warning on an item but there is no recourse for compensation if that was an inadvertent purchase over {$100.00}.
Consumer complaint received 2024-03-15
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Blackhawk Network Holdings Inc. (NJ)

Hello, I was a part of a few class action lawsuits including ( XXXX XXXX XXXX, XXXX XXXX, XXXX ). All claims were paid via MyPrepaidCenter.com. Unfortunately, the company has made it impossible to use any of the cards issued to me. Currently, MyPrepaidCenter has kept every XXXX  I received via these settlements. This is a violation of my rights and a fraudulent company.
Consumer complaint received 2021-06-23
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (VA)

i am a XXXX  posted in USA for XXXX years. 
how can i have a credit history in USA? 

As i am new in USA i have to apply for lot of services including cards than why i am being declared culprit for having lot of inquiries? 

Portion of my credit score is also including student loan and mortgage loan but i am not a XXXX XXXX  and never took these loans. 

i am here since a year and never miss a single payment of my cards/utilities bills than rejecting me on the basis of short history, number of inquiries and non having of loan records is Cleary a discriminations on the basis of a race.
Consumer complaint received 2019-08-21
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: AMERICAN EXPRESS COMPANY (NY)

I have reached out several times to American Express and they said that they would correct any error on my report caused by there company. Till this day they have not corrected any information on my credit report. I will be filing a lawsuit in my county for them reporting false information on my report. This has caused me financial difficulty and has cost me time and money to dispute this error. Please remove this inquiry within 10 days of this notice. i also have enclosed one of the three letters i received saying that they would remove this inquiry. American Express should contact XXXX and XXXX  to remove inquiry. 


Amex Inquiry from XX/XX/2018 2018
Consumer complaint received 2022-02-10
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: CBC Companies, Inc. (CA)

I'VE BEEN A VICTIM OF IDENTITY THEFT AND HAVE REASON TO BELIEVE THIS HAPPENED WHEN I WAS IN THE HOSPITAL AWHILE AGO. THERE ARE SEVERAL ACCOUNTS REPORTING ON MY CREDIT REPORT THAT ARE FROM THIS INCIDENT. PLEASE HELP ME WITH GETTING THESE ITEMS REMOVED. I'VE FOLLOWED EVERYTHING THAT I WAS TOLD TO DO FROM ON THE FTC WEBSITE.
Consumer complaint received 2021-10-12
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SYNCHRONY FINANCIAL (PA)

This company has been harassing me nonstop for months, beginning in XXXX of 2021. I have answered multiple times and have told them to stop calling me. I have also answered and told them they are violating FTC rules and regulations and that I will report them. They call before XXXX XXXX and after XXXX XXXX. They also call multiple family members, whom I've never even lived with. They call multiple family members daily and leaves numerous voice-mail as well. I have kept a phone log of their calls, some days they call 6 or 7 times. Their calls slowed down tremendously the first time I told them I would report them. Now, they are picking back up. They have begun to call under different numbers so that I answer. In fact, today they called with the number " XXXX '' they are masking their calls, using invalid phone numbers, in order to harass me further. I have received 8 different calls today from this company. They need to stop harassing me. The next step after this complaint is contracting the attorney General, because what they are doing is highly illegal, unethical and is harassment. They call more then they should, under invalid numbers, outside of business hours, leave multiple voice-mail daily, and contract multiple family members daily. This company is following unethical and illegal practices.
Consumer complaint received 2020-10-22
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: Experian Information Solutions Inc. (TX)

HELLO, MY NAME IS XXXX XXXX AMD I AM A VICTIM OF ID THEFT. SOMEONE STOLE MY ID AND SOCIAL AND LATER USED MY PERSOANL INFORMATION TO FRAUDULENTLY OPEN ACCOUNTS IN MY NAME.
Consumer complaint received 2021-05-01
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 (NJ)

This account that is being reported 30 days late on my credit report on XX/XX/2018 does not seem to be reporting accurately and legally per the Fair Credit Reporting Act ( FCRA ) and the Fair Credit Billing Act ( FCBA ). I would like for you to investigate the late payment history and prove to me that in fact was delinquent on the date reported. It is the responsibility of the furnisher to report accurate information per Section 623 of the FCRA and it is the responsibility fo the Credit Bureau to hold them to those standards.
Consumer complaint received 2020-12-04
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (GA)

In XXXX of 2020, I refinanced my home. Flagstar Bank received full payment for my property and has refused to refund my escrow balance ( {$3800.00} ) in full. On XX/XX/2020, they issued a check then subsequently placed a stop payment on the check. Consequently, the funds were withdrawn from my account and returned to Flagstar Bank. and I have incurred service charges. 
To date, they have not returned my funds and have stated that my refund will be reduced by {$1700.00}, even though the closing attorneys have paid this fee. I keep getting the run around and I need my money. 
They are scammers and attempting to defraud me of my money.
Consumer complaint received 2022-02-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (CA)

On XXXX XXXX I paid {$760.00} on My XXXX Acct through Zelle ( their partner of choice on the XXXX online banking app ) that sends monies from a customers acct to a email address. The recipient ( XXXX XXXX ) that runs a social media promotion and sponsorship company ( XXXX ) received the money and turned out to be a fraud and scam me of the entire amount. 
What boggles my mind is that the biggest bank in the USA and their partner Zelle, have done absolutely nothing to try to recover my monies. To me fraud and scams sent by a banking app must have some sort of protection for customers, with federal backing to help in instances above and beyond their scope to try to recover a victims money. 
Can you please help me?
Consumer complaint received 2019-08-21
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (SC)

I recently spoke to a single point of contact to discuss the status of my escrow balance. I was charged {$260.00} for taxes and insurance. I informed all agents that I paid my own taxes and insurance. I requested a refund of all monies paid for this. I have provided evidence of my property taxes paid to XXXX XXXX and my insurance premium paid to XXXX XXXX. 


Please contact me as soon as possible at XXXX. This additional charge is the reason my account was delinquent and caused me to accrue additional fees. I am also requesting the removal of the added fees. 




XXXX XXXX XXXX XXXX XXXX Curriculum and XXXX XXXX XXXX XXXX XXXX XXXX XXXX University
Consumer complaint received 2017-12-12
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. (CA)

I would like to know why am I being charged an annual fee for a credit card who just informed me via e-mail they are closing my account on XXXX XXXX, 2018 because they have merged with another company. I am being charged $XXXX for whole year on a card that will only be active for 4 days starting the new year. Someone from the company, please explain this to me because none of XXXX XXXX's reps knew what they were talking about.
Consumer complaint received 2022-03-21
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: First Mortgage Solutions (TX)

I applied with a lender called First Mortgage direct to refinance my home. We provided all the paperwork and even paid for services like the appraisal. They advised us that our file will be going to underwriting. I was dealing with a man named XXXX XXXX. When days turned to a week, I reached out to find out the status and they told me that it is still under underwriting and that my DTI may be too high, but they will confirm with underwriting.

This was strange because I'm virtually debt-free and make more than XXXX XXXX XXXXXXXX dollars a year. I said ok, I'll wait for their update. Days turned to weeks as I virtually emailed and called almost everyone at the company. Turns out there are two reasons they stopped replying to me. One was XXXX motivation, as I started reading other reviews from other clients who had the same issues and were mostly XXXXXXXX XXXX  and the other was that they knew rates were about to rise and since I had a rate lock it would cost them money. I decided to go with another lender. Now that I need them to transfer the appraisal I paid for, to my current lender, they are still not answering my calls or emails.
Consumer complaint received 2021-05-01
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

XXXX is continuing to furnish inaccurate information on my account furthermore they do not do proper investigations into my disputes. My dispute was delivered to XXXX on XX/XX/XXXX yet XXXX still furnishes inaccurate data on my file without ensuring maximum possible accuracy Bank of America XXXX has the wrong date closed, The wrong date of last payment, and shows missed payments after the account was allegedly closed I sent a dispute Directly too Bank of America and they failed to acknowledge the errors my dispute was delivered XXXX XXXX XXXX days before XXXX received my dispute complaining of the same errors yet no change was made you would think after being put on notice twice in one month once directly by me and another by XXXX ( Since a Credit Reporting Agency must notify the data furnisher when the consumer is disputing the account ) That the alleged charged-off account would be corrected after both notifications but to no avail. 
Therefore XXXX has violated Title 15 1681E by not ensuring maximum possible accuracy before furnishing this information on my report and Bank of America has violated The following 15 U.S.C. 1681s-2-A 1 ( A ) -Reporting information with actual knowledge of errors 15 U.S.C. 1681s-2-1 ( B ) -Reporting information after confirmation of errors 15 U.S.C. 1681s-2-2 ( B ) -Duty to correct and update information.
Consumer complaint received 2022-02-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

Been using PayPal for some time now and my account got limited permanently for no reason and my funds are now on hold for 180 days according to PayPal I tried to contact them but all I am getting is an automatic response I deal only with trusted sellers and I already updated my account with all legal documents And they are not even telling me the reason why I got suspended.
Consumer complaint received 2021-10-12
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: D&A Services, LLC (NY)

Someone from XXXX keeps contacting my employer and asking for me by full name, making threats, being rude and scary, insulting me to my coworkers and telling them I owe money, in general being disrespectful to people in the office- and they're calling on a toll free number so my employer is paying for the harassment. No attempts were made to reach me directly before they started doing this and it keeps happening despite the supervisors telling them to stop calling. 

I have no idea who these people are, they would not identify themselves when I called to ask them unless I provided confidential information such as my social security number, which of course I would not do.
Consumer complaint received 2021-05-01
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. (NV)

I CAN CLEARLY SHOW THAT I DID NOT COMMIT THE FRAUD CHARGES ON MY ACCOUNT AND I AM NOT THE PERSON THAT IS ON THE ATM VIDEOS. I WAS ALSO NOT IN THE STATE OR LOCATIONS WHERE THE FRAUD CHARGES HAPPENED. 
I WILL PROVE THIS IN COURT ( XXXX - XXXX XXXX XXXX  ) IN XXXXXXXX XXXX. 



Dear XXXX Staff : I am suing each person below from XXXX Individually in XXXXXXXX XXXX XXXX XXXX. 
1. XXXX XXXX XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX of XXXX 3. XXXX XXXX XXXX XXXX XXXX Registered Agent Name / XXXX XXXX ) XXXX 4. XXXX XXXX XXXX XXXX 5. XXXX XXXXXXXX XXXX XXXX of XXXX XXXX ( Please see attached legal summons to appear XXXX AT XXXX ) CC XXXX XXXX XXXX XXXX XXXX XXXX FBI XXXX - XXXX XXXX XXXX division CC XXXX XXXX XXXXXXXX XXXX XXXX  In XXXX XXXX XXXX XXXX by XXXX XXXX 
CC XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. 
CC XXXX XXXXXXXX XXXX XXXX XXXX XXXX. 
CC XXXX XXXX XXXX XXXX. 
CC XXXX State Attorney Generals Office CC Federal Trade Commission CC XXXX XXXX XXXX CC federal Reserve CC CFPB CC XXXX XXXX XXXX XXXX  XXXX XXXX All documents attached and have been presented to the court and law enforcement agencies and all Government representatives offices. 

___________________ XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( Please contact me if you want to resolve this matter )