davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Roosen, Varchetti & Olivier, PLLC (MI)

Roosen , Varchetti & Olivier , PLLC and XXXX XXXX purposely filed complaint and lien in bad faith. The complainant never received the summons which when to an address that the Complainant did not live. Roosen , Varchetti & Olivier , PLLC and XXXX XXXX XXXX, had the Complainant 's current address on XXXX XXXX in which XXXX combined the XXXX apartment number XXXX with her mother 's address XXXX XXXX, which read XXXX XXXX XXXX XXXX 

At the time the Lien was filed with the XXXX XXXX Register of Deed, Roosen , Varchetti & Olivier , PLLC and XXXX had the available means to contact the Complainant via media just by entering her name, but continued to use the bogus address. 

The same way Roosen , Varchetti & Olivier , PLLC and XXXX was able to acquire the accurate information necessary to apply the lien to numerous of the Complainant 's bank accounts which would have entailed more data, than a name and address search, to properly serve the Complainant.

Using the bogus address is a blatant disregard of the Complaint 's 14th and 7th Amendment rights as provided by the U.S. Constitution regarding due process, equal protection and right to trial. 

At the time XXXX filed the Lien at the XXXX XXXX Register of Deeds, the Complainant had a land contract, paid by her XXXX, income that was exempt and in XXXX  the property was protected by the " Homestead Exemption. '' By using a bogus address, XXXX had no intentions of the Complainant ever address or objecting to the debt. 

The Complainant has filed an affidavit showing XXXX  that she was a victim of " Identity Theft '' and gave them the perpetrators information, including her police record which shows her other criminal acts including " Identity Theft '' and Complainant filed a police report regarding the " Identity Theft '' issue.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: BARCLAYS BANK DELAWARE (FL)

I contacted Barclays Bank Delaware on XX/XX/XXXX, at XXXX, I told them that a credit card was made in my name without my knowledge and that would like for it to be removed. The amount of money that was used on the card was {$1400.00}. I also sent a dispute to 2 of the credit bureaus ( XXXX and XXXX ) on XX/XX/XXXX, and XXXX was only one I didn't because they kept hanging up on me. Both those bureaus sent a report back a week later saying that the account belongs to me when I know it doesn't. I sent them another dispute and I'm waiting to hear from them. I don't have a police report yet because I need an FTC report first. I contacted the FTC and all I received was something called an identity theft blocking request.
Consumer complaint received 2022-06-16
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. (TX)

I have submitted and filed disputes unsuccessfully with Experian, XXXX, and XXXX. I have provided them the appropriate documents indicating that an account is paid in full. 

They are refusing to make adjustments and are still displaying false information, willfully at this point.
Consumer complaint received 2021-11-04
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

XXXX XXXX  dba : XXXX submitted in error with out our consent or authorization inquires on XXXX XXXX XXXX with XXXX, XXXX, Trans Union XXXX XXXX XXXX XXXX XXXX and XXXX. Camping world submitted a letter to have all inquires removed from our credit reports on XX/XX/XXXX. This has not happen with all 3 credit reporting agencies. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2021-05-19
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: AMERICAN EXPRESS COMPANY (MA)

The American Express portal showed me that I had 108,000+ Rewards Membership points available to use, obtained with my Amex Platinum credit card. 

Based on this information, I was led to believe that I was in position to transfer XXXX points to XXXX XXXX loyalty miles program, which would have allowed me to buy a flight at an advantageous rate. I thus canceled an existing reservation with another airline ( XXXX XXXX ) for a ticket worth {$700.00}, and proceeded to transfer the XXXX points to purchase the XXXX XXXX award flight. 

But when I tried transferring the points, at the very last page, when submitting, I was told that my account was under review and that the system would not let me use my points. 

I called American Express to solve the problem. They told me that the review could take up to 90 days. They also told me that I should not see my 108,000+ Rewards Membserhip points as being " Available '', and yet that's what the website displayed to me ( see attached screenshot ). 

Overall, this situation has led me to loose a {$700.00} flight, that I can not rebook at this rate. I had to go through the expensive process of buying XXXX XXXX XXXX miles for cash at a rate of 2 euros per 100 points. That is, I incurred an expense of about {$1000.00} to buy these points, while the Amex website misled me to believe there were available and made me cancel my other flight. 

One takeaway from this experience is that consumers should not trust American Express when their website claim that you have a certain amount of rewards point available. At any time, they can place a hold on your account, without notifying you, and without showing you anything on the portal, until you try to make a purchase.
Consumer complaint received 2022-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I have submitted and filed disputes unsuccessfully with XXXX, Equifax, and XXXX. I have provided them the appropriate documents indicating that an account is paid in full. 

They are refusing to make adjustments and are still displaying false information, willfully at this point.
Consumer complaint received 2020-11-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (IL)

On XX/XX/2018 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.
Consumer complaint received 2022-06-16
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Bakkt Opco Holdings, LLC (CA)

https : //www.bakkt.com/ ( Using the bakkt app on XXXX. ) After submitting personal information ( such as SSN, address, etc. ), linking a bank account and initiating a withdrawal, my account was locked. Worried the company may be fraudulent or have fraudulent intentions.
Consumer complaint received 2022-06-16
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: EQUIFAX, INC. (LA)

In according with the Federal Credit Reporting act XXXX  Account # XXXX has violated my rights.

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-03-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (UT)

TODAY i was contacted by XXXX that my credit was down XXXX points! I reached out to them and fount that an account from Transworld System inc/XXXX was attempting to collect from me three account that I had previously proven was fruad from three energy companies. 
XXXX XXXX  XXXX for {$290.00}, XXXXXXXX XXXX  XXXX {$600.00} and XXXXXXXX XXXX XXXX {$240.00}. 
I reported to XXXX this was fraud and I needed it removed off my record and sponged off my credit history. I have also contacted the police and told them of the identity Theft.
Consumer complaint received 2022-06-16
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (FL)

THE MORTGAGE COMPANY ( FAY SERVICING ) IS NOT DISTRIBUTING THE SETTLEMENT CHECK. EVEN MORE THEY LAUGH ABOUT JUST BECAUSE YOU ( CFPB ) CLOSED THE PREVOUS COMPLAINT. WHY YOU GUYS LET THEM TO TAKE OVER? DO YOUR JOB PLEASE. HAVE THEM TO DISTRIBUTE THE WHOLE CHECK. PLEASE THANK YOU. ALSO THE DID NOT PROVIDE A DIRECT CONTACT.
Consumer complaint received 2024-03-06
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Comenity Customer Service Department XXXX XXXX XXXX XXXX, OH XXXX Subject : Formal Complaint Regarding Fraudulent Interest Charges on XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ending XXXX Dear Comenity Customer Service, I am writing to bring to your attention a matter of great concern regarding the credit card account of mine. It has come to my attention that there were fraudulent interest charges amounting to {$1800.00} on my XXXX XXXX XXXX XXXX XXXX  in XX/XX/XXXX. 

I had previously contacted the credit card company, XX/XX/XXXX when the card transitioned from Comenity. During that call, she explicitly confirmed that the interest-free terms of the credit card would be honored until the balance was paid off in full. This information was crucial to my financial planning, and she has diligently adhered to the terms outlined during that conversation. 

As documented, XXXX XXXX consistently paid more than the minimum amount due, had automated withdrawals set up through her bank, and, as of now, has successfully paid off the entire balance, with only {$1800.00} remaining at the time of the erroneous interest charge. 

I am requesting a thorough investigation to locate and verify the recorded phone call from XXXX, where the credit card representative assured me that the interest rate would remain at XXXX until the bill was completely paid off. It is imperative that this documentation be found and utilized to rectify the unjust interest charges levied against me. 

The balance of {$1100.00} was paid in full on XX/XX/XXXX. I kindly request the immediate closure of the credit card account in question and the removal of the overcharge and illegal interest from my account. 

I appreciate your prompt attention to this matter and expect a swift resolution. If necessary, I will take legal action to resolve this matter. I look forward to having this resolved in XXXX business days. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX XXXX -they never responded by mail or email- the last email I received in regards to my floor and decor bill was XX/XX/XXXX. It is suspicious that there were no emails sent in XX/XX/XXXX and XX/XX/XXXX. 
- they have not even tried to locate the recordered phone call- they purposely give incorrect information so they can take advantage of consumers. Im curious if this has happened to other consumers. 
- I asked to negotiate the interest charge and they said no - I can not pay a {$2000.00} interest charge - I am a victim of credit card fraud.
Consumer complaint received 2024-03-07
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 (OK)

To Whom It May Concern, I, XXXX XXXX, am writing to file a formal complaint against PayPal regarding the blocking of my account associated with the email address XXXX. I was not provided with any reaso

n for this action. Upon reviewing PayPal 's terms of service, I am confident that I have adhered to all their guidelines. My PayPal account is essential for managing my daily financial transactions, both personal and professional. The blocking of my account has caused considerable financial distress, affecting my ability to conduct essential transactions and meet my financial obligations. Being cut off from my funds has significantly impacted my financial well-being.
I have reached out to PayPal, requesting a comprehensive investigation and the reinstatement of my account. Unfortunately, my attempts have yet to yield a resolution. Therefore, I am turning to the Consumer Financial Protection Bureau for assistance, hoping for an intervention that will prompt PayPal to conduct a transparent review and unlock my account.

The importance of fairness and transparency from financial service providers like PayPal can not be overstated, especially when their actions deeply affect users ' lives. Clear communication and valid reasons must accompany such significant actions as account suspensions.

I appreciate your attention to this urgent matter and look forward to a favorable resolution that will restore my access to PayPal and ensure fair handling of such issues in the future. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: DISCOVER BANK (WA)

For a long time now, over a year, my Discover credit card has not appeared on my XXXX credit report. 
I have tried to call Discover and XXXX to resolve this issue, to no avail. 
Around XX/XX/XXXX or so, I opened a dispute with XXXX about the issue. 
On XX/XX/XXXX, I was told the dispute is closed because they can not add items to my credit report as the result of a dispute, and refused to look into the issue further. 
Discover has assured me that they send monthly reports to XXXX just as they do the other bureaus, and on my request, has sent them off-cycle reports, so I believe the issue to be XXXX 's fault, despite their insistence that it is not and that they will not do anything about it. 
As a result of this, my XXXX credit score is XXXX points lower than my XXXX and XXXX scores.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Synovus Bank (TX)

I recently disputed the accuracy of reporting on this account, and the results came back verified and updated despite the three credit bureaus reporting mismatched information regarding this account. 

Please be advised that this is a Notice of Direct Dispute with First Progress Card, under the provisions of FCRA 623 ( a ) ( 8 ) ( D ), regarding the accuracy of the information you have supplied to XXXX, XXXX, and XXXX. 

First Progress has responded " According to our records, an account was opened XX/XX/XXXX pursuant to the received online application '' However, on my most recent credit report on XX/XX/XXXX from XXXX, XXXX, and XXXX the open date is still showing XX/XX/XXXX and XXXX.Since you haven't corrected these errors in the previous requests for assistance on this account, the account was not investigated as thoroughly as it should have been. For this reason, I demand that the account be removed from my credit report. Please be advised that if you continue to report invalidated information on my credit report, this action may constitute fraud under federal and state laws. I won't hesitate to bring legal action against you for violation of the Fair Credit Reporting Act and violation of the Fair Debt Collection Practices Act, and defamation of character.
Consumer complaint received 2022-06-16
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)

Hi I am submitting this 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 XXXX 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 XXXX 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 XXXX XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Consumer complaint received 2024-03-06
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY (CA)

I received a letter responding to me & CFPB INFORMING ME ALL OF MY WELLS FARGO ISSUES HAVE BEEN RESOLVED, IE Identity theft account XXXX, which has been resolved & CASE CLOSED? I also received a letter asking if I attempted to open an account online & to walk into a branch to show my ID. So I did today & I WAS TOLD I CANT HAVE AN ACCOUNT BECAUSE OF AN ACCOUNT CLOSURE? WHEN I ASKED THE BANKER? HE SAID HE HAD NO FURTHER INFORMATION TO GIVE? IM @ THE END OF MY PATIENCE TRYING TO RESOLVE WELLS FARGOS COMMUNICATION PROBLEMS & BEING REDIRECTED DEPT TO DEPT WITH NI RESULTS! IM CONTINUING TO RECEIVE LETTERS ATTEMPTING TO COLLECT THE DEBT WHICH HAS BEEN CLOSED & REMOVED? & I CAN NOT OPEN A CHECKING ACCOUNT BECAUSE OF AN ACCOUNT CLOSURE THST KNOW ONE CAN GET INFORMATION TO FIX???
Consumer complaint received 2016-10-24
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (CA)

In 2014 I got married to a man I had been dating who was a XXXX citizen. Shortly after we got married, he asked me to add him to my Wells Fargo checking account to help him establish his residency and our relationship for his XXXX application. I agreed, believing that if I was allowed to add him to my account, that I would be allowed to take him off, should our marriage not work out. Well, the marriage did not work out, and when I called Wells Fargo to have him taken off, I was told I needed to go into the branch. I went into the branch and tried to take him off of the account, and was told I would have to close the account. I told them I did not want to do that. It was then suggested to me that I open a second account and transfer the funds from my main account into the second account so that he could not access the funds. I decided to try this option, since I did not want to close my account. However, he would wait until funds were deposited into the original account and immediately start spending. Sometimes I had to have money in that account because there are automatic withdrawals ( my car payment, loan payments, attorney payments, etc. ) which then sometimes would " bounce '' because i had transferred only the amount of the automatic debit, and then he would make charges on his card and there would not be enough money to cover the payments that I anticipated making. This cost me fees and late payment charges. Like I said, I can not close the account, because I have direct deposits and automated debits connected to this account which have been set up since I had the account and I do n't even know who to contact or how to get the information to set that up with a new account. And I do not wish to go through all of the time and aggravation doing so. Had I been told that I would not ever be able to remove him from my account, I would never have added him in the first place. Had it been suggested that I open a second account and just add him to that XXXX ( before, rather than after the fact! ) I would have done that. 

Since my husband and I have separated, he has repeatedly obtained cards to this account, and spent approximately {$4000.00} of my money -- since he has never, not in the entire course of our marriage, nor since our separation, deposited any money into this account. He has gone into the branch and taken money out, he has had debit cards ( in his name! ) sent to his new address without my knowledge, he has done all of this despite the fact that we are separated and there is a restraining order currently in place and divorce papers have been filed. I demand that Wells Fargo assist me in REMOVING him from my account and that they allow me to keep the bank account that I have had with them for many years. I do n't know what else to do other than ask for the assistance of the CFPB in this matter. Thank you for your help.
Consumer complaint received 2016-07-11
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (PA)

Wells Fargo bank emptied my account without prior notice on XXXX/XXXX/16 to a collection agency claiming to have a court order. Wells Fargo refused to give any court order or docket information and only suggested that I contact the collection company. After suffering all weekend without a penny the collection agency finally contacted me on XXXX/XXXX/16. They claimed I owed a credit bill and produced a docket from XXXX County Court ; Docket # XXXX. I contacted the courthouse and this docket does not exists and no court order was given to take my bank account. Neither Wells Fargo or the collection agency contacted me they just took the money. Wells Fargo should have a legal and ethical responsibility to have included me in this process. As a result of their arrogance I have suffered and continue to suffer.