davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-01
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: EQUIFAX, INC. (PA)

This is my second time not receiving an update about my investigation. I have been wasting my hard money on stamps, letters, and ink to send out my letter. Its been more than 30 days and not response via mail or email and i am highly upset. The stuff on my report is inaccurate and unverifiable. I am a real person so i dont want no automatic computer response saying this is unathorized. I am authorizing this complaint with proof of the disputes i sent out. Now please help me this because i will pursue litigation for false information. Now do your job now!!!! I have attached my ID and SS card to show who i am Account Name : XXXX XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$660.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$330.00} Account Name : XXXX XXXX  XXXX  Account Number : XXXX Account was opened : XXXX XXXX Account Balance : {$2600.00} Account Name : XXXX XXXX XXXX  Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$1600.00} Account Name : Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$48.00} Account Name : Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$140.00} Account Name : Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$940.00} Account Name : Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$99.00} Account Name : XXXX XXXX XXXX Account Number : XXXX-XXXXXXXXXXXXXX Account was opened : XXXX XXXX Account Balance : {$3000.00} Account Name : XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$930.00}
Consumer complaint received 2022-01-01
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

On XX/XX/2021 ) I 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 I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2022-01-01
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NC)

On XXXX, I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) plainly stats that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 30 days, so they should be deleted promptly. I demand that these accounts be deleted immediately or I will be forced to file for litigation due to the stress you caused me.
Consumer complaint received 2024-10-15
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: DISCOVER BANK (OK)

On XX/XX/XXXX I XXXX XXXX # XXXX have been in the XXXX  XXXX XXXX XXXX since XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I Submitted a dispute for a credit card Account beeing opened up in my name due to fraud, I sent it by way of USPS mail servis. To : Discover Bank # XXXX, they never responded back. But yet this bank has put this balance on my consumer report. Had this company Done their due diligence and answered my dispute they wouldve have seen Ive been in the XXXX  XXXX XXXX XXXX since XX/XX/XXXX and would have been Is impossible for me to have opened this account. I ask that u order company of to answer this complain
Consumer complaint received 2022-01-01
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 (CA)

On XX/XX/2021 I purchased electric fireplace from XXXX XXXX XXXX XXXX Total amount was {$1600.00}. The item arrived damaged and as per policy I requested to have this item returned. Even though I was eligible for XXXX pickup which I requested multiple times but did not get any pickup, i was forced to make a store return. 

XX/XX/2021 - My BF and my son had to take 3 very large boxes to our local XXXX XXXX XXXX XXXX store for a return. Address : XXXX XXXX XXXX Pl, XXXX, CA XXXX. Manager was assisting them and it was impossible for them not to be seen by everyone since what they were carrying was gigantic and required multiple employees assistance to process the refund. XXXX XXXX XXXX XXXX  did provide a return receipt that I unfortunately did not keep. I have never experienced an issue where a refund did not post and when cleaning the next day, I threw the receipt out. 

XX/XX/2021 - After seeing that no refund has posted to my XXXX XXXX card, I got concerned and called the local store. I was told there is nothing they can do for me, the refund was processed and I would have to call my credit card. 

XX/XX/2021 - I submitted dispute to Wells Fargo and provided all needed information. 
Dispute # XXXX XX/XX/2021 - I received notice from Wells Fargo that my dispute is closed and that I am responsible for the charge due to not having evidence. There is nothing else they can do for me and my only action is to work this out with bed bath and beyond. Which I already tried and was told to contact my credit card company. 

I am hereby asking for assistance in receiving credit that is owed to me. XXXXXXXX XXXX XXXX XXXX  has video cameras and I can provide an approximate time as well as pictures of my BF and my son. It is impossible not to identify them on camera simply due to the size of the boxes and the amount of them not to mention see other associates on camera assisting. You can clearly see my BF left without the item.
Consumer complaint received 2022-01-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

This complaint goes along with a prior complaint - XXXX. 

USAA still refuses to make me whole for all of their banking errors. I was charged {$250.00} after they froze my account, they admitted this was their error, but they refuse to refund me after I uploaded all the documents. 

To date, they have only refunded me {$82.00}.
Consumer complaint received 2022-01-01
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: DISCOVER BANK (AZ)

Got 5 hard inquiries I dont recognize, from Discover financial SER on XX/XX/XXXX, 3 from XXXX XXXX  XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX And XXXXXXXX XXXX on XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2021-12-31
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)

I previously notified your company that I am a victim of identity theft, and requested that you do the following : Close the unauthorized account Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files. 

I still have not received written confirmation of these actions. 

As I stated before : I am a victim of identity theft. I filed my original Identity Theft Report with the Federal Trade Commission on XX/XX/2021, report # XXXX. As well, I filed a complaint with the Consumer Finance Protection Bureau on XX/XX/2021, Complaint # XXXX, with your company XXXX XXXX and sent the same information to Experian, XXXX and XXXX. 

I recently pulled a copy of my credit report on XX/XX/2021, and found that XXXXXXXX XXXX is still reporting this fraudulent information to my Experian, XXXX, and XXXX Credit Report. I have enclosed a copy of the new FTC Identity Theft Report, Report # XXXX, filed on XX/XX/2021. I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities when reporting information to the CRAs.
Consumer complaint received 2022-01-01
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (TX)

XXXX XXXX XXXX XXXX 2021. Account No. : XXXX XXXXNationstar has failed to pay my 2021 property taxes via my mortage escrow account. Nationstar records show the funds of {$3800.00} were withdrawn from my escrow account on XXXX however, the XXXX County Tax office has no records of payment submission from Nationstar as of XXXX. 
On XXXX I contacted Nationstar to let them know my tax account was not paid ( previous county records reflect payments made and credited to my account prior to XX/XX/XXXX of each year, except 2021 ). Nationstar has stated they are having a problem with XXXX County, however, XXXX County has stated that is not true and if payments were sent it would have been credited to my account just as in previous years. 
I do not want my home to go into foreclosure due to Nationstar neglectful actions
Consumer complaint received 2023-01-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc. (NY)

I received a statement in XXXX that stated the closing date for that billing period was XX/XX/XXXX. The statement indicated ( highlighted in red ) on the first page that I must pay a balance of {$2000.00} by XX/XX/XXXX or any remaining balance would be assessed interest at the standard purchase APR. On XX/XX/XXXX I paid {$210.00}. On XX/XX/XXXX, I paid {$1800.00} for a total payment on the account of {$2100.00}. This is above and beyond the clearly stated amount of {$2000.00} noted on the XX/XX/XXXX statement. Upon receiving my XX/XX/XXXX statement I noted an interest charge of {$2.00}. What this shady bank did was charge me standard purchase XXXX for charges that posted ON and AFTER XX/XX/XXXX that were not paid off by my payment on XX/XX/XXXX ( some posted as of the date of XX/XX/XXXX through XX/XX/XXXX ). There is no way, I, as a consumer, would know that I was being charged interest for NEW charges in the current billing cycle because of a promo that stupidly ended in the middle of a statement cycle. Any charges that posted to my account from XXXX that XXXX is attempting to claim fall under the " promotional '' period is predatory. I want my {$2.00} refunded.
Consumer complaint received 2024-10-15
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Freedom Mortgage Company (VA)

I was placed on a forbearance plan for my mortgage in XXXX of last year because i lost my job now i am earing the end of my forbearance and i want to apply for the supplemental plan that XXXX XXXX from FHA put out for struggling homeowners and FHA stated borrowers can start applying and using this program in XXXX of XXXX, so I reached out to freedom Mortgage and once again i am getting push back for any help with the new program, i was told I can't apply until XXXX of XXXX and FHA states clearly on their website that borrowers have to be signed up for that program BEFORE XXXX XXXX Freedom is telling me i can't apply for that until XXXX of XXXX in which time it will be closed, I need assistance with this company who is always trying to not help borrowers with the programs FHA sends out to help. Why can't i go on the program now it's available now i need the CFPB to get involved with this before i lose out on this program that will def help me
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC. (MI)

I received a debt notice dated XX/XX/year> in re : transactions that were not made by me. I never gave written consent to Midland Credit Management, XXXX XXXX XXXX, nor XXXX XXXX to report or furnish my information on my consumer report or any other entity.
Consumer complaint received 2022-01-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (FL)

Hi my name is XXXX XXXX I had been having issues with chase bank since last year the SBA tried to deposit {$9800.00} from my approved loan the they granted me. So My loan officer told me to go to my bank and get a certified information on my account so the money could be deposited. Thats went I got to chase XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX, and I ask for this information and thats when my ex girlfriend appears she works for chase and when I told her about what I needed. She started saying the chase was not going to proved the transition because of a lots of people doing fraud. I told her the everything was in order the it was under my name and all the information was legitimate and she just kept going and saying that it was fraud. So then after that the money was turned twice by chase and then chase close my business account and my personal account for no reason. So when back and filled a complaint because I know the my ex girlfriend had something to do with this because a few years earlier and I meet her she work for XXXXXXXX XXXX and she took money out my account with out my permission or my knowledge so she got fired and go to jail, so I know she is getting back at me for that and need your help for this to be fixed so I can get my funds from SBA which are still there waiting for me please help.
Consumer complaint received 2022-01-01
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Santander Consumer USA Holdings Inc. (IL)

Santander Consumer USA at address XXXX XXXX XXXX XXXX XXXX, TX XXXX, has been furnishing account # XXXX for {$13000.00} as a charge off on my consumer reports since XX/XX/2017. I have reported this canceled debt as income. Income is not to be reported or furnished on my consumer report, that is an invasion of my privacy and XXXX XXXX XXXX XXXX is violating the Fair Debt Collections Practices Act. On the websites of XXXX, XXXX and XXXX they state income is not to be reported on a credit report ( consumer report ). I am requesting Santander Consumer USA to show integrity and accuracy and delete account # XXXX from all consumer reporting agencies. I am also requesting the 1099-C and/or 1099-A or I will be forced to report Santander Consumer USA to the IRS for tax fraud .
Consumer complaint received 2022-01-01
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC. (TX)

A collection account was placed on my credit in the amount of XXXX. However, after I inquired about validation of amount. The company was unable to provide validation of the amount. Additionally, they did change the amount to XXXX. These actions are suspicious in nature.
Consumer complaint received 2022-01-01
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION (TX)

My grandma has an account at rbfcu and made an acct for me there but refuses to give me my card or information for the account she made without my permission. I only know she made an acct in my name because she had given me my account number at one point in time and told me it was in my name but I can't find my account number anymore so I think they'd be able to go by my name? XXXX XXXX XXXX, dob-XXXX, also I have a trust there as well that she says I have no access to but I've seen paperwork on this inheritance account as well. What are my rights to this and am I able to get my account info and card if the account still does exist?
Consumer complaint received 2021-12-31
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/2021, I've realized some unusual activities on my business account. Someone who named XXXX XXXX XXXX has been included to my account and started to use the account actively. I also realized 2 credit card accounts has been linked to to my business account. I immediately took action by calling the fraud department and visiting BOA financal center at XXXX XXXX, XXXX XXXX. 

Bank of America accepted all fraud reports but the following saying " I've benefited from that account ' which is not true. 

- Account number : XXXX XXXX XXXX XXXX - Case number : XXXX BOA claims there is a withdraw of {$1.00} but I've never opened that account or benefited from it. The name of this account was XXXX XXXX. I never had any relation with XXXX XXXX. 

There is a police report supporting that that I'm a victim of an identity theft and they're following a man who might be suspect living at XXXX XXXX XXXXXXXX XXXX XXXX, FL. 

- XXXX Police Department Case # XXXX ( Police Officer : XXXX XXXX XXXX
Consumer complaint received 2024-10-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Apelles, LLC (CA)

Sometime early in XXXX, my account with XXXX XXXX became overdrawn and eventually closed with a balance owed. Between the months of XX/XX/year> until now, I continue to be contacted by XXXX separate entities for this same debt : XXXX Entity : XXXX XXXX 2nd Entity : Apelles 3rd Entity : XXXX XXXX XXXX I am being contacted at the same by all 3 of the entities- which is stressful. In addition, how can the same debt be held by threXXXX different entities. This is also affecting my credit report and XXXX report. On XX/XX/year>, I paid the XXXX XXXX debt to the debt collector Apelles, however, I am still being contacted by all the entities named above and it still being reported on all credit reports and XXXX
Consumer complaint received 2022-01-01
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: BANK OF THE WEST (NE)

" You stated that the account should be in your name being that the account is under the social security number of your child. You stated that the Bank has accepted the transfer and allowed this person to steal your money without checking the validity of the name of information from the party whose account it is. You are requesting that the funds be returned, the account changed, and transfer your funds to a more responsible institution. '' First and foremost, in a previous complaint submitted Bank of the West stated that I am not the account holder for an account that has my childs ssn on it which could perhaps in question. This account was more than likely transferred from an account that has my childs ssn on it at XXXX. YOU ARE REQUIRED TO VERIFY WHERE FUNDS CAME FROM UPON ENTERING YOUR INSTITUTION. I did not sign anything to have my account transferred to someone else where the ssn or tax id is different. If you take privacy and security seriously, this would of been investigated by your institution. I am the ONLY guardian of my child and if the account is opened using my childs ssn, it is FRAUD. Any bank would know that if I clearly called them to state MY INQUIRY. if you pulled my childs ssn up and an account pulls up, that means it is in fact my account regardless whose name is listed. I submitted a police report. Your conpany clearly doesnt know your role in verifying where funds came from and whose account it came from. The funds came from an account owned by me with my childs ssn on it amd was transferred to another institution to a person I have no clue who they are. How is that not fraud. Did this person show proof that the ssn used is his or a childs. Tax id numbers are supposed to be verified when used. Clearly you did not verify it! Failure to follow regulations. I want the account associated with my childs ssn found. SEC  has been notified of your fraudulent acts and inability to research my issue.
Consumer complaint received 2021-12-31
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Upgrade, Inc. (OH)

I had an agreement with upgrade loans for {$5500.00}. On XX/XX/23 {$2500.00} was paid to my account as direct deposit, {$520.00} paid to my credit card company on my behalf and {$2200.00} was supposed to be paid as a check to XXXX XXXX XXXX on my behalf. payments to my bank account and credit was all received but no check of {$2200.00} was sent on my behalf to XXXX XXXX XXXX. I called upgrade customer service for weeks after weeks and they keep saying check will be cancelled and funds issued directly to me but nothing has happened. I already started making the agreed monthly payments to upgrade and this situation really put me in a difficult situation financially .its been 3 months now and counting!
Consumer complaint received 2022-01-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX SS XXXX to Whom it may concern, My name is XXXX XXXX XXXX I am closing on my new home when I recently discovered that I had some issues on my credit report that need some attention. I have addresses that do not belong to me and unknown phone numbers. 
These are the unknown addresses please delete : XXXX XXXX CT XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX WAY XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXXXXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX. 

UNKNOWN PHONES NUMBERS : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX