davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-20
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: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION (NC)

On XX/XX/20, I received a text message from Peoples United Bank asking me if I had tried to use my debit card for a purchase at a XXXX XXXX station. While I had not used the card at that station, I occasionally give the card to my son for car maintenance or gas purchases and thought this was a purchase made by him with my card. The aforementioned text message from the bank DID NOT indicate the location of the purchase - a very important fact in my situation. On XX/XX/20, I noticed a charge of {$100.00} on my card at a XXXX XXXX in XXXX, Indiana. Another charge of {$100.00} at the same XXXX XXXX station appeared while I was trying to reach the Customer Service line for Peoples United Bank. I finally got through to the customer service line and talked to a lady named XXXX. I explained the situation to her in detail and while I was talking to her another charge for {$100.00} appeared on my account from the same XXXX XXXX station. At the time of that conversation all three charges were listed on my account as pending. She indicated the charges would be blocked and that the card had already been blocked. Subsequent to my conversation with XXXX, I filled out a claim form and submitted the information according to the procedure stipulated in the form. On XX/XX/20, I received a form letter from the bank indicating they were denying my claim and were considering the charges 'authorized '. Somewhat in disbelief, I called the Customer Service line again, this time speaking to a lady named XXXX and she indicated she would ask her 'team ' to review the file again. On XX/XX/20, I got another form letter stating that they considered the charges 'authorized '. It is incomprehensible to me that this bank could under any form of logic or reason, consider THREE charges for {$100.00} each on the same day at a station in XXXX, Indiana ( a place to which I have never been ) could be 'authorized '. In considering these charges authorized, the bank is insinuating that I have made a fraudulent claim - and I take offense to that!
Consumer complaint received 2020-07-20
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. (GA)

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX, XXXX, XXXX XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-24
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (TX)

RE : Acct XXXX Synchrony Bank / Steinmart Credit Card Dear Sir or Madam : I have been trying to get a resolution for over 6 months on a fraudulent charge. Last time I spoke with a customer service representative with Synchrony, I was told to " Just pay it ''. I did not make the charge and can not get anyone to help. Please see my synopsis below : I am writing to dispute fraudulent charges on my account in the amount in the amount of {$200.00} on XX/XX/XXXX. 
I did not make these charges. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. 
I am listing the calls I have made to your fraud department trying to rectify this situation. 
XXXX XXXX reported fraud to my account XX/XX/XXXX called again XXXX, XXXX, XXXX XX/XX/XXXX ( on or about ) I also went to Steinmart in XXXX, TX on the XXXX and XXXX of XXXX and spoke with XXXX ' the assistant manager. She was going to 'look into it ' for me. I have not heard back. 
XX/XX/XXXX Received a letter from Synchrony banks stating they had closed my account and notified the major credit bureaus. 
XX/XX/XXXX Received a letter from Synchrony Fraud Team stating " I had accepted responsibility for the charges ... .I had benefited from the purchase ''
Consumer complaint received 2020-07-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BMW Financial Services NA, LLC (GA)

I spoke with BMW Finacial about the first payment since I was trying to make an extra payment to go to the principal the payment is of XXXX, I did a payment for XXXX $ thinking that it will apply all to the principal. The next day I did realize that not all apply to the principal and I called BMW Finacial to see what happened the Customer services Rep. 
State that since it was paid the full amount due it will not apply to the principal, so I did paid the remaining balance witch it was {$130.00} to make the full payment I told him that a payment of {$330.00} will apply on the due date and I asked him if it will go to the principal, he state that it will, the due date came today and only apply XXXX $ of the XXXX $ to the principal which it was not what the BMW Finacial rep state. I called them to see what happened and they will not help me even they gave me the wrong information and the manager XXXX said to fill a complain but he will not help me and there is nothing they can do even one of their employees is giving the wrong information. defiantly a bad experience no much help and rudeness and misleading information for part of them
Consumer complaint received 2020-07-24
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Dear Credit Reporting Agency ( XXXX, XXXX, or XXXX ), I am exercising my right under the Fair Credit Reporting Act, Section 609,  to request information regarding inquiries that are listed on my consumer credit report : Bank of America, XXXX XXXX, and XXXX XXXX. 
As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. 
I have also included a copy of my credit report with the account I am requesting to have verified circled and highlighted. 
If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. 
Sincerely, XXXX XXXX
Consumer complaint received 2020-07-20
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: CITIBANK, N.A. (TX)

I have 5 hard inquiries that I have no knowledge of : XXXX  XXXX XXXX XX/XX/19 XXXX/XXXX  XX/XX/19 XXXX/XXXX  XX/XX/19 Citibank N A XX/XX/19 XXXX   XXXX  XX/XX/19
Consumer complaint received 2020-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

TransUnion is reporting opened date and payment history wrong in this account ( XXXX XXXX XXXX ) Please this information needs to be corrected or removed the account from my credit report.
Consumer complaint received 2020-07-20
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)

My name is XXXX XXXX XXXX, and I am having some problems with inaccurate information that has been on my report for several years. variations of my name and misspelling the correct spelling is. My current and only address is XXXX XXXX XXXX, XXXX, OH XXXX. Please delete the following addresses : XXXX XXXX  XXXX, XXXX, OH XXXX 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 XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX I have never had these numbers at all please delete these cellphone numbers that do not belong to me : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Consumer complaint received 2020-07-20
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)

XXXX has a CO on the account in XXXX. I asked for it to be removed since the criteria for a charge off is 180 days. NOTHING was late beyond 60 days, and fully paid at 70 days. 

Instead, XXXX XXXX has added 3 additional months on my credit file.
Consumer complaint received 2020-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (CA)

I was trying to get a loan and the creditor informed me that they cant find me in Experian report it showed a blank I contacted expirian and they said it might be a glitch in there system and the need to fill out a form and it should be fixed with 3-5 days its been over 2 months and every time I call they give me the run around but it hasnt been resolved which is hurting my chances in getting loans or I get really high rates
Consumer complaint received 2020-07-20
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. (MN)

XXXX XXXX XXXX Automobile Dealers, New Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Automobile Dealers, New Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Equipment Leasing Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Truck Dealers Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX and XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Truck Dealers Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Credit Report Brokers Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX ftc violations XXXX {$440.00} Closed XXXX charge-offs Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Revolving Charge Account Balance on XX/XX/XXXX Credit Limit {$440.00} {$300.00} XXXX XXXX XXXX {$0.00} Closed 2 late payments Account Info Tap labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Auto Lease
Consumer complaint received 2020-07-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NJ)

On Monday, XX/XX/XXXX, my partner transferred {$100.00} from his personal checking account at XXXX XXXX  to our joint checking account with USAA. A few hours after the transaction ( appx. XXXX XXXX   ), I received notification from USAA that I needed to " verify '' the account/transaction. I immediately logged onto my account and verified the transaction as valid/authorized. I never received another notification from USAA after that date/time. On Wednesday, XX/XX/XXXX, at XXXX XXXX  ( EST ) I arrived at our lawyers ' office to complete a closing on our home. I logged into my account at USAA to print out my bank account information to verify that my balances were as reported. At this time, I learned that I was locked out of all my accounts under my profile. When I called the toll free number provided to me with the lockout notice, I received a recording that the bank was closed. This was a typical business day, so I couldn't understand how the bank could be closed. Finally, after 8 attempts to call, I called the toll free number and didn't provide my profile information to the automated system. Now, the nightmare begins. No one could explain why the " high threat alert '' was triggered by an automatic system and not monitored by a fraud alert specialist. No one could explain why I repeatedly received a message that the bank was closed. It took 49 phone calls over two days to resolve the issue! I was promised three callbacks along the way - never happened. There is no accountability, a complete lack of training, and dismal leadership.
Consumer complaint received 2020-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (PA)

I want to freeze my credit report reporting to third parties. I attempted to do so at the Experian.com website. Their website offer a fee based credit report freeze ( bundled with other services ) without advising the consumer that this service is required by Federal law to be free, and the website has no disclaimer that is readily observable to the consumer. After additional on-line research I did find a buried Experian on-line form that a consumer can complete and get a free, as required by Federal law, credit report freeze. However, I attempted to complete the on-line form several times and was always rejected as my selected PIN was not proper - I followed all on-line PIN instruction, i.e. 5 - 8 digits.
Consumer complaint received 2021-08-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (CA)

Good afternoon, I am a Federal Student Loan borrower with Fed Loan Servicing. I have met the criteria for public service loan forgiveness and my ( well over ) 120 payments were certified in XXXX. Fed Loan Servicing did not provide me with correct information and as a result I did not submit my final application for forgiveness until XX/XX/XXXX. On XX/XX/XXXX Fed Loan provided a letter stating that they needed additional time to review the application. 6 months have passed and I have not received any additional information. I've reached out to Fed Loan on multiple occasions and they will not tell what specifically is being reviewed, what specific progress has been made on the review including dates, if there are any problems with the application or if I need to submit any additional information. I am aware that processing is slow ; however, this appears to exceed the typical processing time. 

Thank you, XXXX XXXX
Consumer complaint received 2020-07-20
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. (FL)

I was very upset when checked credit report and found out a few negative accounts. They are fraud and I never opened them before. Please see accounts belong and remove them as soon as you can. 
XXXX XXXX  opened XX/XX/XXXX acc # XXXX XXXX XXXX opened XX/XX/XXXX Acc #  XXXX XXXX opened XX/XX/XXXX Acc # XXXX I attached all documents what you need included Identity Theft report. 
I have been a victim of identity theft fraud. I have no idea of any of these accounts.
Consumer complaint received 2020-07-20
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TD BANK US HOLDING COMPANY (MI)

On XX/XX/2020 I paid Target Credit Card off in the amount of {$260.00}. On XX/XX/2020 interest of {$5.00} had been added, which should have been included in the {$260.00}. I am just now being informed that Target has reported my to my credit bureau for these charges and others that show {$1.00} on my statement for no reason whatsoever. 

This is the second time Target has did this and reported. When they email statements, it shows no balance on it at all so they are able to do this fraudulent tactics. I have contacted them the first time to take it off of my credit and they refused to do so. Now, this is the second time they have did this, paying off my card to a {$0.00} balance. I owed nothing on this card.
Consumer complaint received 2021-08-18
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: EQUIFAX, INC. (TN)

On approximately XX/XX/2021 I called EQUIFAX due to seeing a creditor on my consumer credit report, that should not have been on there. I called EQUIFAX and spoke with one of their representatives and informed them that the account should not be on my report. They informed me they would dispute the account and would send me the results in the mail. I received a letter dated XX/XX/2021 from EQUIFAX stating the account had been removed. Due to this being my consumer credit report, and inaccurate information being added to my report, it is a violation of Title 15 1681e ( b ). EQUIFAX has shown negligence in not proper justifying the information in which they added to my consumer credit report, resulting in damage to my consumer credit score, reputation, as well as character, which is also a violation of Title 15 1692e ( 2 ) ( A ).
Consumer complaint received 2020-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (MN)

XXXX XXXX yes or no did you have Relation with XXXX collection agency? Regarding the account listed above? They said you did and you said you did! See file For Additional information in your own words But they were unable to send me documentation to prove to me that had became owners of the accounts I want to also make your Institution fully aware since you were the original creditor you have violated the FDCPA by such actions as notify the credit bureaus! Failure to do so does and perhaps meet the criteria for deletion and I quote respectfully! The law is very clear. 
I will also need a copy of your contract between you and XXXX also a purchase agreement with a canceled check from XXXX as to How much the debt went for. Also all information that you forward to XXXX Regarding this account XXXX I give you 24hrs from the time you receive and finish reading this complaint I asked that you delete this account from my credit file. If you try to go back and add the information that was required of you you will suffer the consequences and I guarantee you the law is very clear in your bank has been around for many many years and you know the rules the loss that you must follow! Respectfully there will be no more
Consumer complaint received 2023-01-22
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (FL)

Well it has happened so many times already and the past and they haven't still gave some of my money back and I really need it to pay my bills I'm really behind, it has effected me and my family a lot and recently I have had transactions that I haven't authorized taken out my savings account by someone again I have made the money back but want that money I worked hard for back too and the money that was taken from me in the past too I had almost XXXX in my savings taken away from me and that's not ok at all XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and want my money back. The bank is Wells Fargo it happened multiple times and I lost money to XXXX too and never got it back XXXX
Consumer complaint received 2019-03-27
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Social Finance, Inc. (CA)

My daughter is refinancing and existing loan with SOFI which I am a consigner. However in the final loan discloser will not sent be sent to me as a consigner for approval. Two service agents told me the consigning application in essence says that that the cosigner agree to whatever term the primary borrow chooses. They also said say that final disclosed term will only be sent the borrow for approval. This does not seem right. The consigner should always be notified and required to approve the final loan terms. Does the law allow bypassing the consigner? If so, the law should be changed to required consigner 's approval of the loan terms. Also, both agents said that they have received many other complaints about this. It only reasonable the consigner to know and approve of exactly what they are responsible for. Attached is copy of the loan appilication.
Consumer complaint received 2020-07-20
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. (AL)

There are multiple errors in my report. You are reporting an account from XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX   XXXX, XXXX/XXXX XXXX XXXX. These accounts have been disputed as inaccurate. XXXX/XXXX XXXX   opened fraudulently and then sold to XXXX XXXX. I have provided a letter from XXXX saying they told you to delete this incorrect account. XXXX and XXXX XXXX suggests they were sold to bankruptcy ch XXXX, XXXX, or XXXX yet there is no bankruptcy on my report. Please delete these accounts as soon as possible. Also please delete this inaccurate address that does not belong to me Attached are the letter from XXXX and my credit report with highlighted incorrect information.
Consumer complaint received 2024-11-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY (NY)

I have been trying to get Wells Fargo to replace my XXXX XXXX XXXX XXXX XXXX policy with my new XXXX XXXX policy since XX/XX/year>. I sent in my policy paperwork via the mycoverage site, but then was told I needed to provide the condo building master policy. I have submitted the condo building master policy multiple times via email and the web, but they are still unable to receive or process the information for reasons that they can't explain. Need this addressed, should be very routine.