davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-29
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (WA)

Due to a previous complaint there was a cease and desist letter and this company promised to stop with illegal collection and harassment. The problem is that now they are claiming I owe all this money that I dont and they wont send me a bill to clear it up or accept payment. They are reporting this bogus amount due now to all three credit bureaus and given me no way to look at what the charges are to resolve or pay it. This has had a huge effect on my credit score bringing it from over 700 down to 500 something! This is unlawful and illegal. I want this removed from my credit report.
Consumer complaint received 2021-06-22
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. (CA)

The following account is an account that is a result of identity theft this account does not belong to me. I have requested in the past XX/XX/XXXX method of verification which includes a signed contract with my signature that shows I opened this account. My address at the time the account was opened as well as now differs from the address the bank had on file at the time. I have provided an FTC complaint, police report, and notarized statement for this fraudulent account. I have also provided proof of my address at the time the account was opened. I am requesting the proof you possess that allows you to continue reporting this account as none has been provided but I provided all the proof that is needed to completely deem this item as identity theft. Please provide your method of verification and if you can not verify this item, or if there is any inaccuracies shown in this, which one I have pointed out is my address verification in XX/XX/XXXX which shows that it is not verifiable that this account belongs to me, you are required to stop reporting immediately. 

The address at the time account was opened is ( Unverifiable and Inaccurate ) I have never lived at that location. 
A contract that has my signature and proof that I opened this account ( Unverifiable ) Who actually opened the account ( Unverifiable ) I have outlined several instances paired with my Identity theft information that shows this account can not be verified as mine. Show me what you have, which is allowing you to continue to report this fraudulent item. 

This mark is hurting my credit and making it impossible to obtain credit and housing. I have attached my police report, FTC complaint, notarized statement of truth, and proof of address from XX/XX/XXXX. Please help me resolve this matter.
Consumer complaint received 2022-01-18
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (VA)

Im extremely upset and disgusted with the way PayPal has handled this situation. Ive called in numerous of times the phone will hang up and Supervisors are rally available. Ive now been dealing with this situation going on a year. In the amount of {$490.00}. PayPal has sent the claims to a creditor to get the negative balance paid on my account without even consulting me first To resolve the matter or to seek clarity. As requested for the claim I was to send the product back to the seller in XXXX which I did. Proof is also upload it finally to PayPals website which I had several technical difficulties. The address that I sent the product who is the same address that the seller used to send me the product initially. In my documents you will see in the image provided that the address thats listed on the package is the same address where the product was returned. It is not my fault as the buyer to know exactly the sellers address whatever address that was provided to me is the address that was used. I feel the requirements by sending the product back and its been gone for several months only for it to arrive back in the US as of XXXX with a stamp from XXXX. Ive waited on hold dealing with PayPal for XXXX hours trying to get hold of a supervisor when I finally got a hold of a supervisor she was extremely rude and nasty. She did not care about my matter it was completely nonchalant and lack sympathy. I expressed my frustration with her and asked to speak to someone else and she said no one was available. It was completely unsettling to hear people laughing in the background while Im waiting for an hour for service. This has been a completely traumatic experience that shouldve been handled several months ago. PayPal reverse the credit after 90 days. The credit shouldve been final in the amount of {$490.00}. Simply because I sent the product back and I even called in and ask a representative when will I get confirmation to get my refund and they stated that as long as it arrives in the country the seller should be able to locate it.
Consumer complaint received 2023-05-25
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (AL)

XXXX Previous claimplaint, Im filing this complaint injunction with the complaint number above. I previously advised the bureau about the practices I was experiencing with Wellsfargo. As I informed them about the overdraft fees I was XXXX when funds was in my account before the cut off period numerous of times. I was told the app didnt update as their records did so the funds was showing incorrectly to me. I can see the funds available through the app but was told they was not and was charged and overdraft fee a numerous of times. I havent heard anything about the fact that a second account was opened up without my permission and without my knowledge. I was told that a settlement was issued to resolve matters but what do that have to do with the situation I was experiencing. Do I have to provide my own person to investigate my accounts. I ask for all the accounts for which Wellsfargo had in my name and could it be mailed to be. The gentleman stated he could not provide me that information that I would have to go into the branch. I want this matter resolved and for them not to just push it aside as if nothing was done wrong.
Consumer complaint received 2022-01-18
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: AMERICAN EXPRESS COMPANY (NY)

My XXXX XXXX XXXX  report shows that an American Express credit card was opened on XX/XX/2021 under my name. But I did not open an account. The report shows that I am an authorized user. It only shows a part of the account number which is XXXX. I do not have an AMEX credit card so this is not correct. I am afraid that someone has used my information to open a credit card account.
Consumer complaint received 2020-07-08
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. (GA)

There are several items reporting inaccurately on my credit file. Please remove the following items : Incorrect Personal Information : Address : XXXX XXXX XXXX ( XXXX ) Address : XXXX XXXX XXXX ( XXXX ) Address : XXXX XXXX XXXX ( Experian ) Address : XXXX XXXX XXXX XXXX XXXX XXXX ( Experian ) Address : XXXX XXXX XXXX ( XXXX ) Address : XXXX XXXX XXXX ( XXXX ) I was never late ( 30, 60, 90, or 120 days ) on the following accounts : XXXX XXXX  - Date Opened : XX/XX/XXXX ; Bal : {$500.00} ( XXXX XXXX XXXX ) XXXX XXXX - Date Opened : XX/XX/XXXX ; Bal : {$19000.00} ( XXXX, XXXX, Experian ) The following account is the result of Identity Theft : XXXX XXXX - Date Opened : XX/XX/XXXX ( XXXX ) ; XX/XX/XXXX ( XXXX ) ; Bal : {$0.00} XXXX XXXX XXXX - Date Opened : XX/XX/XXXX ; Bal : {$0.00} ( Experian & XXXX ) XXXX XXXX XXXX - Date Opened : XX/XX/XXXX ; Bal : {$2200.00} ( Experian & XXXX ) XXXX - Date Opened : XX/XX/XXXX ( XXXX ) ; XX/XX/XXXX ( XXXX ) Bal : {$0.00} XXXX XXXX  XXXX - Date Opened : XX/XX/XXXX ( XXXX ) ; XX/XX/XXXX ( Experian & XXXX ) ; Bal : {$0.00} XXXX - XXXX - Date Opened : XX/XX/XXXX ( XXXX ) ; XX/XX/XXXX ( Experian ) ; Bal : {$2800.00} XXXX XXXX XXXX ( XXXX ) - Date Opened : XX/XX/XXXX ( XXXX ) ; XX/XX/XXXX ( Experian XXXX ; Bal : {$130.00} XXXX XXXX - XXXX XXXX  - Date Opened : XX/XX/XXXX ; Bal : {$260.00} ( XXXX ) XXXX XXXX - XXXX XXXX - Date Opened : XX/XX/XXXX ; Bal : {$260.00} The following are unauthorized Inquiries : XXXX  ( 6 times ) XXXX  ( 2 Times ) ; XXXX ( 2 Times ) ; Experian ( 2 Times ) XXXX ( XXXX XXXX XXXX XXXX ( XXXX ) XXXX   ( 2 TIMES -XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( EXPERIAN ) XXXX XXXX XXXX XXXX  ( EXPERIAN )
Consumer complaint received 2016-07-26
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (UT)

I disputed a charge XXXX in the amount of XXXX and mailed proof of the dispute. I received a letter stating that XXXX sent them a response and so I provided more docs. They, meaning Chase, told me they never got the information, and in doing, so did not refund me of my XXXX charge from these scammers.
Consumer complaint received 2020-07-08
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. (GA)

There are several items reporting inaccurately on my credit file. Please remove the following items : Incorrect Personal Information : Address : XXXX XXXX XXXX ( XXXX XXXX  Address : XXXX XXXX XXXX ( XXXX XXXX  Address : XXXX XXXX XXXX ( XXXX ) Address : XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX  ) Address : XXXX XXXX XXXX ( Equifax ) Address : XXXX XXXX XXXX ( Equifax ) I was never late ( 30, 60, 90, or 120 days ) on the following accounts : XXXX XXXX - Date Opened : XX/XX/XXXX ; Bal : {$500.00} ( XXXX & Equifax ) XXXX XXXX - Date Opened : XX/XX/XXXX ; Bal : {$19000.00} ( XXXX, Equifax, XXXX ) The following account is the result of Identity Theft : XXXX/XXXX XXXX - Date Opened : XX/XX/XXXX ( XXXX ) ; XX/XX/XXXX ( EQUIFAX ) ; Bal : {$0.00} XXXX XXXX XXXX - Date Opened : XX/XX/XXXX ; Bal : {$0.00} ( XXXX & Equifax ) XXXX/XXXX XXXX XXXX - Date Opened : XX/XX/XXXX ; Bal : {$2200.00} ( XXXX & Equifax ) XXXX - Date Opened : XX/XX/XXXX ( XXXX ) ; XX/XX/XXXX ( EQUIFAX ) Bal : {$0.00} XXXX XXXX XXXX - Date Opened : XX/XX/XXXX ( XXXX ) ; XX/XX/XXXX ( XXXX & Equifax ) ; Bal : {$0.00} XXXX - XXXX - Date Opened : XX/XX/XXXX ( XXXX ) ; XX/XX/XXXX ( XXXX ) ; Bal : {$2800.00} XXXX XXXX XXXX ( XXXX ) - Date Opened : XX/XX/XXXX ( XXXX  ) ; XX/XX/XXXX ( XXXX ) ; Bal : {$130.00} XXXX XXXX - XXXX XXXX - Date Opened : XX/XX/XXXX ; Bal : {$260.00} ( XXXX ) XXXX XXXX - XXXX Bank - Date Opened : XX/XX/XXXX ; Bal : {$260.00} The following are unauthorized Inquiries : CreditPlus ( 6 times ) Equifax ( 2 Times ) ; XXXX ( 2 Times ) ; XXXX ( 2 Times ) XXXX/XXXX ( EQUIFAX ) XXXX XXXX ( XXXX ) XXXX/XXXX ( 2 TIMES -XXXX ) XXXX XXXX ( XXXX ) XXXX/XXXX XXXX ( XXXX  ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX ( XXXXXXXX )
Consumer complaint received 2023-03-29
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: McNeil & Meyers Asset Management Group, LLC (FL)

This company, McNeil & Meyers Receivables Management Group LLC of XXXX LA alleges I owe a company {$2000.00} for some service that was never rendered to me. They were representing a creditor who I have worked with in the past but due to them not actually performing their obligations to me, stopped paying. The collection company refuses to prove how they actually acquired this debt or how they came up with the number owed. 

Today on XX/XX/2023, I wrote to the company and their managing partner XXXX XXXX as above explaining that I do not owe anything to the creditor they are servicing on until they actually get the documentation proving that I am the signatory on the debt and a clear accounting of the debt. They refuse to give me anything as they said " we are merely a servicer '' which is vague. 

In the last email, the person who I was communicating with, I offered a settlement of {$100.00} even though I owe XXXX to the creditor to get them off my back and they refuse to discuss anything other than they will continue to report erroneous information to the credit bureaus and deliberately harm my reputation. They continue to behave like a child over this matter and I want to speak to a competent functioning adult who will treat me with respect.
Consumer complaint received 2024-03-08
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Liberty Home Mortgage Corporation (FL)

These involved XXXX employees from LIBERTY HOME MORTGAGE CORPORATION I was contacted by XXXX XXXX who assured me that I could get refinance with XXXX credit score, and that he need it to run just a soft credit pull from my credit ; he contacted me later by text using XXXX XXXX personal cell number, but another employee from the company called me and he assured me as well that I was going to get a refinance with XXXX credit score, but that he needed to run a soft credit. At the end it was a hard credit pull which I did not authorized because XXXX XXXX did not speak with me, he spoke with mu mother that she did not authorized him to run a hard credit pull. Theses people are liars all of them. They are deceiving people with false promises and lies
Consumer complaint received 2022-08-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

My credit report stilll show inaccurate accounts in they where not investigated.the Name and dates are inaccurate. This is grounds for removal they also violated my rights under 15USC 1681 section 602 A. States I have the right to privacy.

15USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

The Credit bureaus didn't do a investigation in 30days its been 2years in my credit report is still very much so inaccurate they didnt do investigations I sent letters by certified mail and i also disputed online as well. 
I even called after the Letters to fix this problem. 
Nothing has been done. 

Heres my mail tracking # XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TN)

My name is XXXX XXXX and I am filing this complaint against USAA SAVING BANK on my own behalf, as a Federally Protected Consumer, without any connection or involvement with any third party. On XX/XX/XXXX, I mailed a validation of debt letter asking USAA to provide the following information within ten ( 10 ) days : 1 ) identity of the original creditor, 2 ) verification of their claim against my ( a sworn affidavit or a hand signed invoice ), 3 ) copies of the contract signed by both parties in wet ink, therefore binding both parties, XXXX XXXX, the natural person, and USAA, that prove I agreed to pay the alleged amount, and 4 ) validation of the alleged debt ( the actual accounting. ) I told them in my letter that if they were unable to provide the above information within the 10 day period, then the account must have a zeroed balance and left open in good standing so that it wouldn't cause anymore damage to my reputation. As of XX/XX/XXXX, it has been 14 days since USAA has received my letter, and I have not heard or received anything back besides my certified mail receipt that they did in fact receive my letter. I made copies of the documents I sent and have attached everything to this complaint : my certified mail receipts and the validation letter
Consumer complaint received 2020-04-04
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. (MS)

I submitted a request for XXXX XXXX, Transunion, XXXX  and XXXX  to provide How they verified the Bankruptcy reporting on my credit profiles. I have a letter from the BANKRUPTCY COURT saying they DO NOT verify this information with the credit reporting agencies. Transunion, XXXX  and XXXX  claims to have received this information from XXXX. However, using a 3rd party to verify ( XXXX XXXX XXXX, is a VIOLATION of the FCRA. The credit bureaus, or required to verify this information themselves. Furthermore this account is reporting inaccurate on all three bureaus. Transunion and XXXX  is listing the open date as XX/XX/2015 and XXXX  is reporting XX/XX/2015, There is no way this account was opened on two different days. Transunion is reporting the reference number as XXXX. XXXX  is reporting XXXX and XXXX  is reporting XXXX This is an inconsistency. If this information is coming from the same furnisher then why is it so vastly different. Transunion is reporting the court name U.S. Bankruptcy Court. XXXX  is reporting US BKPT CT MS XXXX and XXXX  is reporting Federal. This is an inconsistency. IF this information is coming from the same furnisher then why is it so vastly different. They have failed to verify this account because even after my initial investigation they still reporting inaccurate and inconsistent information ...
Consumer complaint received 2017-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

credit bureaus are not updating my information and date of birth is wrong again it should be  XXXX  my address is  XXXX   XXXX   XXXX    XXXX   nc  XXXX  not the other  XXXX  address they have they took off accounts then but them back on why????? please help me fix this.
Consumer complaint received 2015-06-20
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

Bank of America once again is charging ridiculous fees. I spotted a XXXX fee charge stating is was over the limit withdrawal in my savings account. I called because I was not over drawn in my account. Bank of America rep informed me that the Federal Reserve Regulation D requires the bank to charge me if I make more than XXXX transfers from savings to checking. Upon checking Regulation D it states im allowed XXXX transfer transactions. I call Bank of America back and I 'm then told that they only allow XXXX then charge me XXXX for each transfer over XXXX. So which is it? Federal Gov. Says I 'm allowed XXXX, but Bank wants my money so they only allow XXXX.
Consumer complaint received 2015-06-18
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My Home Loan Servicer did not properly allow for my participation in a mandated Home Loan foreclose avoidance program nor did they provide me with the information or guidance in a timely manner to prevent the impending loss of my Home.
Consumer complaint received 2024-03-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/XXXX I deposited a check to my wells fargo business account. I was notified that the check needed to clear and it would be held for a certain period of time but no later then XX/XX/2024. On XX/XX/XXXX i received notification that some not all funds were available for use, however upon checking, none of the funds were released yet. Finally on XX/XX/XXXX the funds were released and i was able to access the funds. I moved XXXX via XXXX and afterwards wells fargo would not let me move anymore money through XXXX as they claimed I maxed out the amount i could move. 
On XX/XX/XXXX, i received a notification that the account was closed as of the XXXX and the funds would be mailed to me if any were left behind. The email stated i needed to contact the loss department. 
I contacted the loss department and they claimed that they believed the check to be fraudulent and had closed my account and any funds would be returned to me via cashiers check within XXXX business days. 
After XXXX days of nothing i contacted wells fargo in which I was informed that the check was sent back to the issuer because it was marked as fraudulent. 
I contacted the issuer who informed me that no such rhjng had happened and on the contrary, the check had been cashed and the amount posted ( the date i received that confirmation was XX/XX/XXXX ). 
I reached out to wells fargo loss department who finally told me the check was believed to be fraudulent by wells fargo and they had kept the money on hold instead but had lied to me when i had asked about it at first. I asked the representative to repeat what she had said to record it at which point she hung up on me despite the conversation being recorded by wells fargo. 
I contacted wells fargo again and was told that the issuer bank had to call the wells fargo loss department and file a claim. The issuing bank attempted to call but wells fargo has given them the run around. Wells fargo has kept over {$1100.00} that we needed.
Consumer complaint received 2021-09-01
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Late or other fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

Hello, Bank of America has recently started charging a {$12.00} " maintenance fee '' on my savings account without informing me of these changes. I have had an account with them for over 20 years. This is an obvious cash grab I do not understand how the banks can just start taking money out of our account. This is not banking, this is stealing. Can banks just decide at will to literally start stealing customers money at whatever amount they decide? How is this legal?
Consumer complaint received 2023-03-30
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. (FL)

On XX/XX/2022 i made a purchase thru XXXX for the amount of {$470.00}. I used XXXX points from my Thank you points total earned .equals to {$220.00} in cash. So my total charged to CitiBank was {$240.00}. On XXXX i disputed this charge due to never received the item from XXXX ... Dispute # XXXX XXXX dispute was closed in my favor after an investigation was completed by CitiBank. On XXXX i called CitiBank Thank you points department and was told a case was opened,, XXXX # XXXX and that my points were going to be returned to my account. By XXXX. Today i called again and was told. It will take another 60 days for a resolution to be made. I feel CitiBank is not dealing in good faith when it comes to my Thank you points earned. The customer service agents i spoke have been very rude and misleading comes to my issue. I earned my Thank you points by making purchases and paying on time.