davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (TX)

In XXXX of XXXX I had {$1000.00} withdrawn using an ATM in XXXX XXXX TX. This transaction was unauthorized and fraudulent. I closed the card and filed a dispute with U.S. Bank. I am a XXXX  on a laid off worker workfirce re-entry program through the Texas XXXX XXXX. Rhis debit card is issued to me by the state of Texas through U.S. Bank. The funds were place back into my account and I received the funds back onto my card. The correspondence received from the bank stated that the money was removed due to a system error. I started to regularly change my pin numbers and contacted customer service asking for some type of safeguard against unauthorized usage on this card. On XX/XX/XXXX I checked my balance as I regularly do, and noticed a great decline. I logged onto my online banking and found three more unauthorized ATM withdrawals one after the other occurring on XX/XX/XXXX. Each was for {$300.00}, totaling {$900.00}. I immediately contacted the lost/stolen card department and repeated the process of ordering a new card and filling a dispute. I did not withdraw these funds and have never been to the city where these violations are happening. U.S. Bank has declined to put the funds back onto my card and says no error occurred. I am being targeted by scammed and criminals within the banking system because my card had never left my possession. I have never shared my pin number with anyone. U.S bank has someone on the inside that is committing these acts. There is no other way and no explanation other than an inside job. I did not visit or utilize any ATM on XX/XX/XXXX. If U.S bank had investigated and pulled the ATM images or investigate internally this could be solved. I want my funds placed back onto my card. I have sent in an affidavit from the person I was with at the time of the theft. I feel frightened and targeted. I have suffered from this violation and need assistance. I am still trying to gather any other documentation or proof if innocence. No one will listen to me, I have spoken with multiple supervisors and representatives but if seems as I no one will just investigate. I will speak with law enforcement or any investigator from the bank. Please direct me to any additional steps I should take because I did not do this nor did I authorize ANYONE to use my debit card.
Consumer complaint received 2021-05-31
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. (SC)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am disputing incorrect personal information on my credit report, which includes multiple names and addresses that do not belong to me. I first noticed this issue in XX/XX/year> while reviewing my credit report. Since then, I have taken steps to address it by gathering supporting documentation and contacting your company directly to request corrections. However, the inaccurate names and addresses remain on my report, adversely affecting my credit profile. I expect prompt action to rectify these inaccuracies. Please investigate this matter and ensure that my credit report reflects my correct personal information. 

Please see the drivers license attached.
Consumer complaint received 2020-10-08
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: T2 Financial LLC (OH)

On XX/XX/2020 I began a refinance loan application and process thru T2 Financial dba Revolution Mortgage. I had obtained a home loan to purchase my home the year prior with ease and was looking to refinance with rates dropping so low. 

I was dealing with XXXX XXXX as a loan officer. Everything seemed to be going along well albeit it was taking a long time 60+ days. When we got to the point of scheduling a close date, I was then dealing with not only XXXX XXXX, but another person, XXXX XXXX. They then began to make the process complicated and difficult ; first by having me have to deal with 2 separate people, but then began demanding more and more information after I was already approved for closing and they had already requested multiple payoff statements from my current lender ( to which I was charged each request for a total of {$50.00} ). They even contacted the title company about closing, only to then delay the process by continually asking for more information, even after I provided it. They would claim it wasn't detailed enough or anything they could to delay my closing. 

In my opinion, especially after dealing with multiple home loans in my life, this company never intended to close and was making things more and more difficult, including cancelling my loan without my implicit request to do so, just to get me to walk away so that they didn't have to deny me outright. 

I have demanded that they reimburse me for my incurred fees due to their incompetence and that they remove their credit inquiry from my near perfect credit score so I can go with a more reputable and competent company. I have received no response.
Consumer complaint received 2020-10-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (CA)

Opened a CitiBusiness AAdvantage card on XX/XX/2020. There was a sign up bonus offer of XXXX XXXX XXXX miles if I met the minimum spend of {$4000.00} withing 3 months. I met the spending threshold within the 3 months ; I never received the signup bonus. I have spoken with Citi on 12 occasions to discover and remedy the problem. Citi bank claims I already received this sign up bonus, but they have confused my business with my XXXX XXXX  business since we operate out of the same address. I eventually got their business team to agree that they made a mistake, but it appears someone on their side " dropped the ball '' any they are still refusing to award my bonus.
Consumer complaint received 2020-04-26
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (WA)

Ocwen has made numerous errors while servicing my loan Ocwen included my wife who has never been a part of my loan. 
Ocwen out of the error proposed a loan modification and in doing so I made three trial payment of {$2500.00} each Total of {$7500.00} The loan went from Ocwen to PHH ; same lender PHH refunded {$1500.00} of the {$7500.00}
Consumer complaint received 2024-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (IL)

Citibank reduced my credit limit from XXXX to XXXX while my credit balance was already XXXX. That made it look like I was over my credit limit by XXXX. That made my credit worthiness look very bad. Before they reduced my credit limit I was never late infact I always paid a week or 3 days before the due date and always more than the minimum payment. Then on my bill they were stating that the minimum payment due was XXXX for the month. I wrote several letters and nothing was ever done noone wrote or called me back. And during the times that I was waiting for someone to help me with this situation I was getting several 30 days behind. I did not have XXXX dollars to pay for a monthly payment. I finally spoke to someone at about XXXX XXXX XXXXXXXX morning and she told me that my payments will be only {$160.00} each month and that is what I have paid for XXXX yr and a XXXX. And she said she would send the situation up to a management team to state the conversation as well and nothing changed. Still never late. This is impacting my credit in a really big way. It shows that my monthly bills are much higher than they are. It has dampened and darkened many things that I could do with my life and my home it causes denial each time. I have disputed with all credit bureaus as well. I am very distraught.
Consumer complaint received 2024-08-20
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (NC)

I started receiving text messages from the debt collectors on Friday XX/XX/XXXX at XXXX. For a cancelled auto policy of {$540.00}. I responded & requested a debt validation letter. After receiving I then submitted proof of another insurance coverage policy that had been obtained. No resolution or response from the debt collector. The collection then appears on my credit report at the end of XXXX. I have disputed and repeatedly attached documentation of the debt not being accurate and the creditors report the debt as accurate with no detailed response as to why. The policy was cancelled but an active policy had been obtained through another carrier and proof was provided through the portal provided by the debt collector.
Consumer complaint received 2020-10-08
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (IN)

I sold something using the XXXX website and the buyer purchased the item for me through PayPal which we both have an account. PayPal requires you to upload tracking number and funds are normally available unless they determine them to be held period in this situation because a tracking number was uploaded my phone should have been available one day after the item was delivered. The item was delivered  on XX/XX/XXXX which is shown on the PayPal website. I have tried to contact PayPal numerous times including today in which I am still am receiving excuses on why the funds are not available. I have asked them to immediately make the funds available to me and yet they continue to provide excuses. I am asking for the funds to be available and to be provided compensation for damages and time spent on trying to receive my funds.
Consumer complaint received 2020-09-04
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: WELLS FARGO & COMPANY (FL)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2020-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CORELOGIC INC (TX)

Hello Dear, I received an alert from credit bureau that CREDCO/QUICKEN LOANS has completed a " hard inquiry '' in both me and my wife 's name. 
I immediately reached out to XXXX XXXX who is a Quicken Loans agent to see why they have made a hard inquiry in both of our names without authorization. The agent has informed me that the information was sent from XXXX to them to do so. XXXX  is my Home and Car insurance company, I contacted them as well and spoke to my account manager XXXX XXXX XXXX XXXX and XXXX XXXX who is the owner of the XXXX  office. They admitted of making a mistake of sending over my information to Quicken Loan to run a hard inquiry but are not ready to fix the issue. I spoke to them again on XX/XX/XXXX and XX/XX/XXXX but they are not showing interest of fixing the privacy harm caused to us. 
I contacted XXXX  to dispute the record and take legal action against the company, but was advised by XXXX  to open this compliant. 

Prior to this issue, I have on some many occasions advised XXXX not to run any hard inquiry in our names. I have communicated this to XXXX and XXXX XXXX on phone and via email.
Consumer complaint received 2021-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (IL)

I recently had a very frustrating and extremely damaging experience with XXXX XXXX  Credit Reporting affiliated with XXXX XXXX XXXX XXXX Card. I feel that I am owed the quick removal of the unjustified derogatory credit reporting information to restore my flawless payment history and loss of XXXX points. 
On XX/XX/2021, I received an email notification from XXXX  that my credit score had dropped XXXX points. Startled, I log in to find out what had happened. After looking through the reports I found XXXX XXXX had reported that my XXXX XXXX XXXX card was over 30 days past due. Given that I have this payment set up automatically, I thought this was impossible. You can review my payment record and verify all payments have been delivered on time until XX/XX/2021 when the automatic payment failed. I immediately went online and brought the account current. 
Communication is a two way process. My issue is that despite being signed up for full automatic email notification as my preferred communication channel, XXXX did not notify me timely about the first missed payment in XXXX. Had XXXX notified me timely that there was a problem with the automatic payment in XXXX, I could have quickly made a payment and restored the automatic payment function and avoided the same issue in XXXX leading to the derogatory report and loss of XXXX FICA points. 
Moreover, XXXX can see that my payment record is flawless except for your unnecessary report. 
I called three different dispute numbers listed on the XXXX website and my card. All these numbers connected my to telephone agents in the XXXX who could not assist me except to advise I mail a complaint. I did send a complaint letter on XX/XX/2021 certified return receipt. I attempted to follow-up through several 800 numbers but no one had any updates nor could they tell me who to call to get an update. Again, the XXXX Help calls were directed to agents in the XXXX who had absolutely no information nor latitude to assist me.
Consumer complaint received 2020-08-28
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. (FL)

The accounts listed are not related to any transactions done by myself. I took the time out to reach out to the listed company and they prompt me to reach out to you guys regarding the inaccuracy/fraudulent accounts listed on my credit report.
Consumer complaint received 2020-09-04
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NJ)

I sent out a letter on XX/XX/2020 disputing the negative item on my report. I still haven't received a response and it has been well over the 30 days given by the Fair credit reporting act for re-investigation. I sent out another certified letter on XX/XX/2020 because I wanted to know the progress of my investigation. It is now XX/XX/2020 and it is well over 60 days. This is a direct violation of my rights and action has to be taken so that the incorrect information on my report is removed.
Consumer complaint received 2020-09-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (NY)

Hello, the below charges are fraudulent. I have attempted to call Wells Fargo but have not been able to get ahold of them. These charges were not authorized by me and are fraudulent. These charges need to be removed and disputed and I need the card replaced ASAP. 

XX/XX/20 XXXX ( # 12 ) XXXX XXXX XXXX  # XXXX {$1700.00} XX/XX/20 XXXX XXXX XXXX XXXX XXXX CA # XXXX {$130.00} XX/XX/20 XXXX XXXX XXXX XXXX XXXX CA # XXXX {$480.00} XX/XX/20 XXXX XXXX XXXX XXXX XXXX XXXX CA # XXXX {$1100.00} XX/XX/20 XXXX XXXX XXXX   XXXX XXXX XXXX CA # XXXX {$2000.00} XX/XX/20 XXXX XXXX, XXXX XXXX GA # XXXX {$550.00} XX/XX/20 XXXX XXXX XXXX XXXX  NY # XXXX {$260.00} XX/XX/20 XXXX XXXX XXXX CA # XXXX {$140.00} XX/XX/20 XXXX XXXX XXXX CA XXXX XXXX {$100.00}
Consumer complaint received 2024-09-05
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Credit Acceptance, LLC (GA)

American credit acceptance is reporting account on my credit that is not mine. Never had an auto loan with this creditor. I am writing to formally dispute the American Credit Acceptance information that appears on my XXXX, XXXX and XXXX  credit report. After reviewing my credit report, I have found inaccuracies & regarding the American credit acceptance that do not comply with the accuracy standards outlined in 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ).
Consumer complaint received 2020-08-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

On XX/XX/2020 I paid XXXX XXXX XXXX {$260.00} through PayPal to complete a business research analysis for me. XXXX   turned out to be a fraudulent company that advertises themselves as a company that employees XXXX XXXX XXXX to assist in XXXX level writing and XXXX work. Here is their website XXXX XXXX XXXX  I informed PayPal of the fraud within a few hours and PayPal stated they would contact the company. PayPal opened a dispute claim and yesterday denied the claim. PayPal should refund my money as XXXX XXXX XXXX is clearly a fraudulent business yet Paypal continues to allow the company to use their service. I also contacted XXXX XXXX XXXX who told me they would refund my money if I stopped my dispute with PayPal. I forwarded that message to PayPal who confirmed that if I canceled my dispute that a refund would be impossible. Another attempt by XXXX XXXX XXXX to defraud me. I respectfully request that you research this issue and compel PayPal to issue my refund and to also compel them to cease allowing XXXX XXXX XXXX to use the PayPal platform to defraud anyone else. Thank you.
Consumer complaint received 2020-09-04
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: ERC (NY)

Recently, I received a copy of my credit report and found several inquiries and accounts on my credit report that were not opened by me ( See attached Police Report ). I don't have any knowledge of these accounts being open. They were opened fraudulently. I understand that under federal law, ( Sec.602 ( a ) ( b ) of the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the ( Sec.602 ( a ) ( b ) ) Fair Credit Reporting Act.

Respondent, please have the following accounts removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit.
Consumer complaint received 2020-07-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have four bank credit card inquiries And none of the credit bureaus could help me. I never applied for this Cards and every number I call I just get the run around. How could I fixes this in order to have it removed, otherwise Ill be stuck with it for two years.
Consumer complaint received 2020-09-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (MA)

I see multiple 30-60days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.