davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

Dear CFPB Representative, I am writing to formally submit a complaint against Fifth Third Bank regarding an ATM malfunction that occurred on XXXX XXXX XXXX between XXXX XXXX XXXX XXXXXXXX XXXX I attempted to deposit $ XXXXXXXX XXXX at a Fifth Third ATM located at [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ]. Unfortunately, the ATM malfunctioned during the transaction, resulting in the loss of my funds without depositing them into my account. 

Specifically, during the deposit process, the ATM made a pop sound, instructed me to remove my card, but did not return my funds. The ATM did not print an error slip either. My friend, who was with me at the time, witnessed the incident and heard me exclaim that the ATM had eaten my money. I waited for the machine to return the funds, but it subsequently shut down and entered maintenance mode. I could hear the sound of my money being shuffled and counted by the machine before it went offline. 

When the ATM came back online, I printed a balance statement, which confirmed that my account did not reflect the deposited funds. I immediately returned to the Fifth Third branch where the ATM was located and reported the incident to the branch manager. The manager called the disputes department on my behalf, and I was issued a temporary credit onXXXX XXXX XXXX  as an investigation was initiated.

On XXXX XXXX XXXX, I noticed that the temporary credit had been reversed. When I contacted Fifth Third Bank, I was informed that the investigation had been closed, and the bank concluded that the ATM did not malfunction. I requested that they review the ATM footage, as it would clearly show me depositing the funds and the machine going into maintenance mode. However, the representative I spoke to refused to reopen the investigation and denied my request to return my funds. 

After a heated exchange, the representative reopened the case but refused to reissue the credit. That same day, I returned to the branch, where the manager contacted the disputes department once again and provided me with a case number. Despite these efforts, it has now been nearly two months, and I have not received my funds or any meaningful assistance from the bank. 

This experience has been extremely frustrating, and Fifth Third Banks lack of responsiveness and accountability has caused significant inconvenience. I am requesting your assistance in resolving this matter. I would appreciate it if you could intervene to ensure that Fifth Third Bank reviews the ATM footage, reopens the investigation in good faith, and returns the funds that were lost during the malfunction. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution.
Consumer complaint received 2022-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

IVE NEVER HAD A STUDENT LOAN AND THIS IS CURRENTLY REPORTING ON MY CREDIT FILE WITH XXXX DIFFERENT INDIVIDUAL LOAN 'S ON MY XXXX, XXXX AND TRANSUNION CREDIT REPORTING FILE ACCT NUMBER XXXX
Consumer complaint received 2022-08-15
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. (NY)

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 

Please remove/block the disputed items as they were opened without my consent or knowledge, pursuant to Section 605B of Fair Credit Reporting ActXXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with ThXXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I would like to start off by saying I am a victim of identity and I have been since XXXX. I have had fraud prevention alerts on my credit that I have since removed but I try to monitor my credit as much as possible. On XX/XX/XXXX I noticed I had an account reporting on my credit that was not made by me or authorized by me. Once I noticed this fraudulent account on my credit profile. I disputed directly with the credit bureau XXXX and they continuously report this fraudulent account to my credit report. 

XXXX XXXX XXXX XXXX Due to this fraudulent account reporting on my credit report, it has caused a great deal of stress and financial hardship and has hindered me from moving forward with my personal business and livelihood.
Consumer complaint received 2022-11-17
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION (PA)

I had talked on the phone with sallie mae back in XXXX in the fall. Roughly XXXX. The rep I talked to told me that we would put me on a payment plan that would help me pay off my loans and not accrue constant interest. This was a lie, not only did they continue to charge me money during COVID, even when I told them about not being able to work/losing work because of COVID, they never gave me my payment plan. When I tried talking to them they denied this, over and over.

I missed one payment, and they have been harassing me nonstop, sending me 10 texts a day, 6-12 calls and voicemails, and at least 2-3 emails per day about it.

This company is disgusting in their practices
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 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 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 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 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 XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-13
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (CA)

On XX/XX/XXXX the mortgage company citizens bank, payed me XXXX dollars for excess funds in my escrow account. I never received the check. I called back 6 times, about 1 time a month, asking for the check because I never received it. They say it shows the check has not been cashed and they will resend. However every time I call back they say an error happened and they will do it again. 

Ive been waiting for my money since XX/XX/2022 and havent received it. I closed my account with them due to a refi of my mortgage. Im nervous I wont recover my money.
Consumer complaint received 2023-08-18
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (VA)

As of XX/XX/XXXX, the issues with loss mitigation are still ongoing. I have been requesting a hardship mitigation ( pause on payments / forbearance ) since XXXX of this year. The fire / total loss on my property happened on XX/XX/XXXX this year. 
The loss mitigation department is mishandling my documents and requesting redundant documents again and again. There has been so much paperwork piling up from my document submissions that no one knows where to start when I call to check on my file. 
" Consecutive bank statements '' for XXXX account XXXX were requested on XX/XX/XXXX when more they had previously been submitted. I resubmitted them. Now three previous consecutive bank statements for XXXX XXXX account XXXX are being requested ( at least six months have already been submitted ). Amerisave is also requesting a lease renewal on a rental property that does not exist ( XXXX XXXX XXXX ). I have explained several times with these leases that they automatically renew - this is at least the third time I have been asked for a lease renewal on a property that does not exist / auto-renews. I am now being asked to resubmit the original application itself for at least the third time ( some arbitrary correction on page XXXX and XXXX this time ). This document was completed several months ago and multiple corrections on this same document have been asked for already. Amerisave arbitrarily states that " incomplete documents '' have been submitted by me as their reasoning for the constant delays and inaction ( see previous complaint ) when the loss mitigation department is in fact constantly mishandling and misreading the documents that I send in. I have asked repeatedly to speak with XXXX XXXX, the apparent supervisor working on this and I have never received a call back.
Consumer complaint received 2023-05-31
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: EQUIFAX, INC. (TN)

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 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 2023-02-06
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. (NY)

In accordance with the fair credit reporting act. The list of accounts below has violated My federally protected customers, right to privacy and confidentially under 15 USC 1681. 

XXXX ) XXXXXXXX XXXX XXXX XXXX  XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX  XXXX XXXX XXXX 15 USC 1681 section 602 A. States that I have the right to privacy.

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

15 USC 1681c ( a ) ( 5 ) sections states no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information other than convictions of crimes which anti-dates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (TX)

The credit bureau is reporting a public record ( Bankruptcy ) that is inaccurate. After disputing this credit bureau reported that it is a valid item and will not be deleted. This company uses XXXX as a third-party provider, therefore they have not verified the information with the actual court. XXXX just like any other bureau is bound to report incorrect information. 

Furthermore, XXXX which is a third-party data provider for this credit bureau reports on public records , however when I asked XXXX how they verify protected public information on public records due to ss # redaction and certain sensitive personal information that is redacted they advised me that they sometimes try to match information by name or address which can be incorrect at times. So this information is not fully verifiable unless the credit bureau calls the bankruptcy court to verify, which again the court will redact information and is not allowed to share " personal information, such as socials by law ''. 

I attempted to fix this by calling the bankruptcy court listed on the public record " XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX '' and was advised that they do not report to any credit bureau and therefore they can't fix any error reported by XXXX, XXXX, Equifax, and or XXXX.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TN)

I have been violated in numerous ways by these companies as federally protected consumer I have late payments I need updated immediately to paid as agreed this information is not reporting accurately and harming me tremendously. 15 USC 1666b also 15 USC 1681 these United States codes are being violated. According to 16 CFR 313 I have the right to privacy, as well as 15 USC 1681 inquiries need to be deleted immediately thank you for you duties to help consumers stay protected from predatory lending in the United States of America in God we trust!
Consumer complaint received 2024-08-29
Product: Credit reporting 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 have received a letter from XXXX XXXX saying that a credit card for {$3000.00} was opened in my name and home address. The email and phone number linked to the account did not belong to me. I tried to call their customer support, but only a robot would respond and ask me to provide a phone number linked to the account I did not know which phone they used to open the account. In the end, I found a wrong phone number added to my credit report, and called XXXX XXXX again, and asked the robot to close the account. The robot told me that someone has already purchased something for more than {$2900.00} via XXXX transactions. I still can not get any representative from XXXX XXXX to answer my call. I have frozen all my credit reports on the XXXX credit bureaus, filed a police report and a report with FTC.
Consumer complaint received 2022-07-13
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. (GA)

MY NAME IS XXXX XXXX, AND I AM SUBMITTING THIS COMPLAINT WITHOUT ANY INFLUENCE FROM ANY THIRD PARTY OR AGENCY. PLEASE SEE ATTACHED DOCUMENTS AND IDENTIFICATION AS IT CONTAINS MY FULL COMPLAINT AND REQUESTS.
Consumer complaint received 2022-07-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: U.S. BANCORP (ID)

Last month I had been going through a scam situation in which I thought I was transferring money for a professor from the XXXX XXXX XXXX who was across seas to a foster home that was in need, this transfer was made via XXXX. Originally the request was that I would personally purchase and mail items to the foster homes, the scammer told me that due to covid protocol the home did not want me sending things and instead send the money so their staff could make the purchases. I had been talking with this person for about two weeks on what items the foster home needed and when they would need it by. It had turned out this professors information had been compromised and it was not really him that I was doing this for but a scammer. He called me after the transfer and the voice on the phone threw me off and I realized it was a scam. As soon as I realized this I filed a police report and contacted the bank in XXXX Idaho. The bank manager told me I was liable for all the charges and there was no fraud protection. When I asked her if there was anything I can do she said she would get back to me. She never did. I called a again a few days later and was told she was in a meeting and would call me back. She never did. I went into the branch twice and she would not even show her face. I tried to work on doing a settlement so that I would not be liable for as much and she would not allow it saying it would go on my credit report and had a teller tell me that so that she did not have to talk directly to me. I had to open a new account which was recently closed the day after I wrote a bad review on XXXX for her. After almost a month they closed my savings and my new account, but left the one that was scammed open. They still have not said a single word to me. US Bank had never warned people of the risks of using XXXX, they never disclosed that it was unsecure and not protected. They forced every single person with a bank account there into having it without warning people. The total amount I was scammed for was {$3500.00}. I'm a poor college XXXX that was trying to do a good thing and I am being treated like I am a bad person that deserves to suffer from the bank manager. I filed a police report, reported it to the school, who refused to warn other students of the scam. I'm actively doing everything I can to warn people of what happened. According to the officer there were three people who's accounts were compromised and no one I warning students of what has happened. I do not want this to happen to anyone else. I want the bank to take responsibility for using an unsecured service that they didn't warn the people forced into it about.
Consumer complaint received 2022-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: Experian Information Solutions Inc. (IL)

I was made to partake in paying {$1.00} when I was shopping around for a home mortage loan. Then XXXX months later I was charged {$39.00} two days in a row. For a total of {$80.00}. For services that I never asked for in the first place. They never did anything for me except steal my money. When I called the company they stated that they could give me the same service for a discount at {$7.00}. I told them that they didnt do anything but steal my money and that I wanted my monies back. I stated that they are charging for services that they say are free. it even says that in their company 's name " XXXX ''.
Consumer complaint received 2023-03-31
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/XXXX I purchased XXXX plane tickets at the CapitalOneTravel website with 3 upgraded seats in row 19 on XXXX XXXX, I was charged for the XXXX tickets plus {$220.00} for upgraded seats in row 19. 

When I checked my airline booking unfortunately the seat purchase did not go through and instead I was assigned free seats ( while my upgraded seats had selected were still available ). I then used the same card to purchase the seats again separately. 

On XX/XX/XXXX I called customer service to get a refund on the original seat selection I was charged for but never received. I spoke with XXXX XXXX ID XXXX, who after putting me on hold and checking told me the transaction had already posted and there was nothing she could do. 

I then asked to speak to her supervisor and after another 5-10 minutes she came back and told me her supervisor couldn't talk to me either because she couldn't help me. 

I have now been double charged a total of {$440.00} and need to be refunded the original {$220.00} I was charged on XX/XX/XXXX since I never received the upgraded seats I paid for. 

I have attached the receipt sent by capital one showing the {$220.00} they charged me for the upgraded seats and the XXXX XXXX seat assignment image showing I was not assigned the seats in Row 19 that I paid extra for but instead received a seat assignment of free seats in Row 13.