davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-07
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. (MI)

I'm making this complaint to alert you that I was a victim of identity theft. I researched how to remove the fraudulent accounts from my report and discovered that I needed to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report and that Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report per FCRA section 605b. Please see the ATTACHED materials for assistance in preventing the incorrect information that is being uploaded to my report. The following is a list of objects that do not belong to me and were opened without my consent. 
XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX {$6900.00} XXXX XXXX XXXX XXXXXXXX Balance XXXX {$1200.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$370.00} XXXX XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX  XXXX Balance : {$1800.00} XXXX & XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$3900.00} XXXX XXXX XXXX XXXX Balance : {$6800.00} XXXX XXXX XXXX Balance : {$7200.00} XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-02-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (NY)

HELP!!!!! 
Community loan servicing was my servicer until XX/XX/XXXX. I was approved for LOAN MODIFICATION on XX/XX/XXXX. And agreement send out on that date. I have signed the loan modification docs on XX/XX/XXXX and got the fully executed modification docs on XX/XX/XXXX. BUT the new Specialized loan servicing company who is servicing the loan now didnt got the new terms. and Im going back and forth and getting nowhere.
Consumer complaint received 2020-05-05
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

XX/XX/2020 my line of credit acct was closed and I got no notice from the bank I contacted them on several occasions from that date until present and response was they would contact me which they didnt was charged late fees and finance charges and I have been paying what I can due to covid-19 and they still charging me I have talked to several representatives and no luck with them they say this and that but they still closed my acct after I paid payments of {$86.00}, and {$210.00} within the last month.
Consumer complaint received 2021-11-21
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 (PA)

On XX/XX/XXXXXXXX XXXX XXXX, I placed an online order ( # XXXX ) with XXXX to purchase a wood chipper in the amount of {$1100.00}. I paid for this purchase using my Lowes Synchrony credit card. The estimated deliver time was two weeks. 
The credit card statement was received prior to the delivery of the item being delivered and I paid the credit-card off. 
The tracking of the purchase showed that the item was in XXXX for almost a month waiting to be delivered. 
On XX/XX/XXXX XXXX, I called XXXX  and spoke with XXXX who sent me an email stating my refund would process in the amount of {$1100.00} on XXXX On XX/XX/XXXXXXXX, I called XXXX and spoke with XXXX who sent me an email stating my refund would take up to thirty days to fully process. This is in conflict with XXXX policy for refunds as stated on their website at XXXX XXXX XXXX XXXX XXXX which states Purchases made with a debit card will be refunded as cash or credited back to the debit card, which may take up to 15 days. 
XX/XX/XXXXXXXX XXXX, A dispute was filed with Lowes Synchrony credit card and all of the supporting documents, including the emails from XXXX indicating they would be processing a refund were upload to the website. 
On XXXX XXXX XXXX I received an email from XXXX XXXX XXXX XXXX  XXXX indicating that Great news! Your order placed on XX/XX/XXXX2021 was successfully delivered. Thanks again for shopping at XXXX  The item was not delivered. 
On XX/XX/XXXX2021, I received an email from XXXX with Synchrony XXXX asking for my feedback on how they did resolving my dispute. 
On XX/XX/XXXX, I called the credit card company and they indicated the case was closed as XXXX indicated that no refund was due. The claim was reopened, and I was told that it would take up to 90 days for the investigation. 
On XX/XX/XXXX, I called XXXX ( XXXX ) and spent over an hour on hold on the phone with an agent who said they were attempting to resolve the issue and never returned to the call. 
On XX/XX/XXXX, A dispute was filed with the Consumer Financial Protection Bureau
Consumer complaint received 2020-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (TX)

SinceXX/XX/XXXXIve been dealing with Equifax. I found out that I was reported as deceased and show no credit score. I immediately got the contact information from the lender I was trying to purchase from. Ive spent hours, days, and months calling Equifax to get the run around. I was told they couldnt verify my information every time I would call in, was always placed on hold for an 1 to 2 plus, to than be told to write a address down to send proper documents. As of XXXX XXXX still dealing with issues with these people they blame everything on the lenders not reporting my information back to them. Ive spent countless of hours calling all my lenders to verify dates of when they report to Equifax. They dont care that credit file is not correct and causing my family and I a massive problem because I am trying to purchase a house and because I either as deceased or a XX/XX/XXXX credit score. Equifax reps tell me that I do have a credit score and that those folks are wrong and are lying to me not to give me credit. Im at the end of line here and have no clue what else to do.
Consumer complaint received 2021-05-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX, XXXX, Transunion have failed to respond to my dispute about unauthorized and unverified inquries. Irequest I sent a dispute letter on XX/XX/2021 received no response, XX/XX/XXXX I sent a 30 day compliance letter to follow up I still haven't received a response and accord to the FCRA its mandatory that I receive a response.
Consumer complaint received 2022-02-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIRST HORIZON BANK (NC)

On todays date, XX/XX/XXXX, our Visa debit card through First Horizon Bank, XXXX XXXX XXXX, XXXX, TN, with a branch on XXXX XXXX in XXXX, was declined XXXX  times while being used at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, NC, and then again XXXX more times at the nearby XXXX on XXXX XXXX. This, despite the fact that there was plenty of money in the account. 

After the XXXX XXXX denial, we immediately called the branch in XXXX, which then transferred us to the XXXX number for First Horizon, and a person named XXXX in their fraud department first said the account had been flagged because of several purchases on XXXX earlier XXXX morning but then later said the problem lay in XXXX Teeters XXXX XXXX. He suggested we run the debit card again at the pharmacy, which we did, this time successfully. We told XXXX that we were using the card again in about an hour at XXXX and he said there will be no problem. 

Guess what? The same thing happened at XXXX, once again even though there were plenty of funds in the account. This time, though, the bank called XXXX immediately with a robo announcement to make sure we had made the latest purchases with our card. When I hit the prompts indicating the charges were correct, only then was the card accepted. 

We were so humiliated and embarrassed by these eventsat stores where we shop all the timethat we called First Horizon corporate when we got home, and spoke to XXXX and then her supervisor XXXX, the latter of whom was condescending and borderline XXXX. XXXX agreed to send us a new debit card through the mail, and indicated the problem was simply a chip malfunction on our existing card. But that would not explain the robo calls which stated it was a security/fraud problem. 

We appreciate First Horizons attempt at stricter security. However, we do not appreciate being shamed and embarrassed by a bank that has had a history in the XXXX years we have been customers of sloppy procedures and extremely poor customer service. Is this anyway to run a financial institution that has changed ownership several times recently and seems to be run on an extremely shaky foundation?
Consumer complaint received 2021-11-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (FL)

Account Number : XXXX I am in my final third year of the post discharge monitoring period, Nelnet is responsible for sending me the form to complete of documentation of earned income which is due in XX/XX/2021. As of yet, Nelnet has been negligent in sending me this form. Also, as of XX/XX/2021, I verified with XXXX at Nelnet that they have corrected my address to reflect : XXXX XXXX XXXX, XXXX XXXX FL XXXX. 
Why hasn't the form been sent?
Consumer complaint received 2020-05-05
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: CITIBANK, N.A. (PA)

On XX/XX/19 my Sears MasterCard was charged {$3600.00} by XXXX without my prior authorization. I called XXXX and they cancelled the subscription but imposed a " 6 % processing fee '' of {$350.00}. I filed a dispute with MasterCard. They concluded that XXXX was correct. MasterCard did not provide evidence that I had authorized the charge nor the 6 % processing fee.I also filed a dispute with XXXX. XXXX  also concluded the charge was correct without providing any rationale for their decision. 
I had used this card for 45 years and had paid all legitimate charges during that time. 
For MasterCard to conclude, without evidence, that I suddenly decided not to pay a legitimate charge is unreasonable.
Consumer complaint received 2021-10-28
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. (TN)

on XXXX I noticed some inaccurate information on my credit report. I reach out to all 3 bureaus ( XXXX, XXXX, AND EXPERIAN bout these inaccurate accounts. They said they was gone investigate the matter and notify me with a result of the matter.
Consumer complaint received 2021-09-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Bank of America charged me a late fee of {$25.00} on XX/XX/2021. I was suffering from XXXX and it slipped my mind to make a payment before the due date of XX/XX/2021. I made the full account payment on XX/XX/2021, but this was Sunday, so the payment was not credited until XX/XX/2021. 
They charged me the late fee. I asked them to reverse it, but they did not agree.
Consumer complaint received 2022-11-19
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of accounts which do not belong to me or were opened without my permission. 
XXXX XXXX Balance : {$5000.00} ; XXXX XXXX XXXXXXXX Balance : {$2700.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2021-04-22
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: CITIBANK, N.A. (SC)

I purchased a washer & dryer at home depot XX/XX/XXXX. The purchase was supposed to be 24 months no interest and was only given 6 months. I complained and they then transferred it to only 12 months which I did not catch. The promotion expired in XXXX of XXXX. I was charged interest on the purchase. I called to ask why and realized they never did the 24 month no interest promotion. At this time they stated I would need to have a store manger call in to change it. I went to home depot and had them call. They agreed to extend the promotion until XX/XX/XXXX which would have been 24 months from the original purchase date. The amount left owed was XXXX When they changed it to 24 months promotion they credited my revolving account and charged my account a price that was more than the original sales price. It is impossible to see how they came up with the numbers that they charged. My statement does not reflect the way they came to the amount only the amount. When I called them to try and figure out why this was they offered me no explanation except this is what they decided to do and there is no explanation. I will only have to trust that they did the math correctly and pay my bills. I am not comfortable with this approach. I am very picky about my finances as I am on social security and do not understand how this approach is legal.
Consumer complaint received 2021-06-20
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: EQUIFAX, INC. (PA)

There are 11 XXXX XXXX XXXX account number XXXX in the amount of {$1300.00}, {$3100.00}, {$3800.00}, {$7500.00}, {$3800.00}, {$7600.00}, {$4900.00}, {$5900.00}, {$1000.00}, {$1800.00}, {$3200.00}. This loan is no only of mines and in litigation. These accounts violates my consumer rights 15 usc 1681b ,15 usc 1692j, 15 usc 1692d, 15 usc 1692e, 15 usc 1692f, and 15 use 1681 ( b ) ( A2 ) - costume law I need for u to remove all.
Consumer complaint received 2020-12-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

It is my second letter about my credit report which is very serious. Please make sure it is not being ignored like my previous letter I sent on XXXX. I noticed various reports on my credit file which are very serious and due to inaccurate information about me on the credit file it is costing me a lot of money, wrong information causing me paying high interests or even getting refused if I want to finance anything. I believe my identity has been stolen and being used for fraud. 
It's really upsetting and I am a victim of mentally stress and financial stress. At least 60 days passed and they have not come back to me, if this letter continues being ignored. I will take further action and write to the XXXX  head office to file a complaint. Moreover, if it is necessary I will take them to court to sue them.
Consumer complaint received 2020-05-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

COVID-19 arrived. I wrote a nice letter to Bank of America in XXXX of 2020, requesting a 3-month forbearance of payments, interest, and late fees on my XXXX XXXX XXXX credit card. 

They are still charging my account for payments, interest, and late charges.
Consumer complaint received 2020-09-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc. (GA)

I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. Wheres my HIPPA release form? I am aware that you have directly violated the regulations of the HIPAA Act of 1996. I never signed a HIPAA form to authorize your company to have access to my medical records or procedures that I went through. 
Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. 
You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.
Consumer complaint received 2021-11-22
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)

An account was opened or cosigned under my name for XXXX XXXX. I did not sign any loan documents or provide any information or authorize this. I was unaware of the existence of this account until i check my credit. The thief opened this account using my information illegally and did not pay this bill and now it is at collection at XXXX XXXX XXXX and it appears on my account as a derogatory mark and is affecting me tremendously. I have fraud accounts with XXXX XXXX and subsequently XXXX XXXX XXXX collections. My name is also incorrectly stated as XXXX XXXX on my credit report.
Consumer complaint received 2021-05-10
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY ()

Referencing my previous CFPB complaint # XXXX. On XX/XX/2020, we were defrauded of {$79000.00} via a wire transfer through a Wells Fargo bank account. This complaint has not been resolved with Well Fargo and reports have been filed with the FBI regarding this transaction. 
We recently received email communications from the same fraudulent source that initiated the fraudulent wire transfer on XX/XX/XXXX requesting further funds to be wire transferred to them through another Wells Fargo account. It appears that after the efforts made by me and my bank ( XXXX  ) to work with Wells Fargo and advise Wells Fargo that their procedures and system for opening and administering bank accounts is weak and is empowering criminals to use them for fraudulent activities, Wells Fargo has done nothing to improve their policies and procedures in this regard. I would strongly suggest that the XXXX who regulates Wells Fargo take away their ability to do wire transfers until this problem is corrected. 

Note below, the email and attachment received from " XXXX XXXX '' from " XXXX '' requesting funds to be sent to Wells Fargo account. The actual person is someone from Top Sign Service. How and why can he set up a Wells Fargo account? Why does Wells Fargo allow wire transfers to go through unchecked?
Consumer complaint received 2020-09-04
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (GA)

I have a loan with SANTANDER. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, and SANTANDER with no successful resolution. XXXX, XXXX, and XXXX reporting me late. There was definitely an error on their part. I was never 30 days late ( XX/XX/2019, XX/XX/2019 ) and I was never 60 days late ( XXXX XX/XX/2019 )
Consumer complaint received 2023-01-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Trans union report, I am allowed at least one report without paying fees..also credit score low, unreal..I need this verified as to why?? Also request my free repot mailed to me.pleade send information requesting asap. XXXX XXXX
Consumer complaint received 2022-10-10
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: EQUIFAX, INC. (CO)

On XX/XX/22 I received a confirmation letter from XXXX XXXX stating they had submitted a request to all three credit reporting agencies to remove an account from my credit reports. 
In XX/XX/XXXX. I submitted a letter to Equifax to remove the account, along with the letter from XXXX XXXX stating that there was no amount owed and the request had been sent to the bureaus to remove this account. I also included copy of my credit report of the account, so they could reference the account. 

When I received my credit report - Equifax decided to not only NOT remove the account, but ADD ANOTHER account for a different amount from the same creditor. 

Ive included all copies of communication and the credit reports.
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 — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

After applying for a mortgage loan and finding out my 3 credit bureaus are reporting wrong information on my credit report. My loan is now on hold until this problem is solved! They are reporting wrong addresses on my report, addresses that don't even exist. I have lived at the same address since 1985 and have never used another address. I have lived at XXXX XXXX XXXX XXXX XXXX since 1985 and have never used another address.