davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-14
Product: Credit card or prepaid card — Store credit 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. (IL)

XX/XX/XXXX Purchase XXXX, IL {$1000.00} - Home Depot Will not provide video for this store location to XXXX XXXX XXXX XXXX after numerous requests XX/XX/XXXX I alerted fraud immediately upon seeing the notification card cancelled, new one issued XX/XX/XXXX Purchase -? - {$990.00} Can't identify this charge that is on the replacement card issued on XX/XX/XXXX. I recd card on XX/XX/XXXX via USPS XX/XX/XXXX - Purchase # XXXX XXXX, IL {$390.00} This store location Video obtained by XXXX XXXX XXXX XXXX for this location shows Woman Making transaction using replacement card Number not in my possession yet XX/XX/XXXX Purchase # XXXX - XXXX, IL {$390.00} This store location Video obtained by XXXX XXXX XXXX XXXX for this location shows Woman Making transaction using replacement card Number not in my possession yet. 

I have reopened this investigation numerous times only to have it closed because they claim the person picking up the merchandise ID info matches mine. I sent Citi bank a copy of my drivers license per their request. Clearly I do not match the person committing this fraud. Detective handling my case told me that he just wrapped up a case identical to mine involving and older gentleman. The fraud was committed the same way at the same store locations. It is obvious it is an inside job which Home Depot refuses to acknowledge. This has happened to me 7 times since XX/XX/XXXX. All have been resolved successfully until now. I even received another fraud alert on XX/XX/XXXX for {$1900.00}. This was resolved quickly. 

XX/XX/XXXX Reported Identity Theft to the FTC, Illinois Secretary of State and all 3 Credit Reporting Agencies. 
I have followed all the reporting guidelines from the FTC which brought me to you. If Home Depot 's XXXX, IL store would provide the detective with the video he has requested, this whole mess would be resolved. I live within XXXX miles of the Home Depot I frequent. For reference, the XXXX XXXXome Depot StoreXXXX involved are located in the city and are : XXXX XXXX XXXX, XXXX XXXX miles from my home XXXX XXXX XXXX, XXXX, IL XXXX Miles from my home. 
I would never travel this far for items that are readily available XXXX miles from my home.
Consumer complaint received 2019-10-26
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: MARINER FINANCE, LLC (FL)

Mariner Finance is using predatory unethical, illegal and predatory lending practices. I renewed a loan in XX/XX/2019 requesting additional funds for a family emergency. The loan was approved for a specific amount. When it came time to sign the papers, they told me they would add another {$500.00} to the loan and use my vehicle for collateral. I told them there was no value in the vehicle as I had filed a GAP claim for a TOTAL loss. They proceeded to file a lien with Motor Vehicle anyway. The GAP claim has been settled, the vehicle has been deemed a TOTAL loss, the first lien holder has released their lien and Ive purchased another vehicle. I received no cash for the vehicle. 
They also, without my permission, proceeded to contact my insurance company and add their company as an additional loss payee. Our insurance company based on the presence of an additional loss payee, raised our rates. 
As instructed by the first lien holder, I went to the Department of Motor Vehicle to change  the title to a salvage vehicle. They would not do that until Mariner Finance releases their lien which they refuse to do.
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. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX NY XXXX Last 4 Digits of SSN : XXXX While looking over my yearly credit report I see that there is some incorrect information regarding my personal information. There are addresses reporting to my credit report that are not associated with me. It seems as though you or the creditors have mixed my file with someone else that is in my family which is understandable being that our names are similar. I have included my license and proof of address to assist with the handling of this dispute. I am asking that you please remove any and all addresses that do not reflect the address that is on my license and/or proof of address so that the information on my credit report is accurate. 

Thank you so much for your time in assisting me with this matter. Please send me correspondence that shows that these changes have been implemented.
Consumer complaint received 2019-10-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (PA)

On XX/XX/2012 the IRS deposit my tax refund into my wells fargo account on XX/XX/2012I notice that my monies was gone I went to bank and reported wells fargo closed account sent me an email stating they will investagate the account nothing never happen went to bank and showed them ID they couldn't find account called complaint reported they send me statement that my account closed on XX/XX/2012 which is not true it's imposable for the IRS to send check would of been return as close account and the IRS will have to mail me refund the IRS noted they didnt get check bank account information and routing number match number I would like to get my money back.
Consumer complaint received 2020-05-25
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY (GA)

I opened a Bluebird American Express account for myself and added my brother and son to help them manage their money. I finally got the cards after 3 weeks and had my brothers UE check deposited without a problem. I paid 2 bills for him and when the next deposit for unemployment check was supposed to be made ( 699 ), I received an email stating the account was closed due to section 20 ( d ). I did not have any idea what this was and tried to login to the account and no access. I called the number on the card and waited on hold for 2 hours to have a foreigner tell me the account was closed and they could not view the account. I asked how do I get the money in the account and they had no answer. He kept saying the same " statement '' the account was closed  and no way to get or see money in account. I hung up. This is my brothers money. He is handicapped and doesnt know how to manage his money. it was over XXXX in total. I wrote a letter to the address American Express provides and have heard nothing. How can this be legal?
Consumer complaint received 2019-10-26
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP (CA)

I had XXXX 's Rewards Plus XXXX in 2013. I purchased this card and every time to reload they charged me {$3.00} on top of monthly {$4.00} and XXXX cents inquiries about balance. I had lots of problems using this card. When the merchants issued credits and refunds Rewards XXXX XXXX would hold these funds for 1 month not allowing me to use my own funds. It happened on several occasions in XX/XX/2013 when I traveled. When hotels had extra preauthorization and after check out would release funds, Rewards plus would hold onto money and not credit to my account for 1 months. I involved management of one hotel in XXXX XXXX who same as me spent hours on a phone with Rewards XXXX without any resolution. I had few instances also when I would reload money onto card and funds would not be available till1-3 days later, making me not able to pay for my phone, or buy  groceries and pay other bills. This card is a negligent defective product and service.
Consumer complaint received 2020-04-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

XXXX XXXX sold my loan to Select Portfolio Services ( SPS ) almost 1 year ago. On XX/XX/2020 ( not exactly sure which day ) I called SPS inquiring to a FORBEARANCE on our existing mortgage. I asked if the Forbearance would allow for the entire payment ( PITI ) to be added onto the back of the loan. The representative said that the Principle and Interest would be but not the Taxes and Insurance. Thus, I said that I'd make the Taxes and Insurance payment. The representative said a letter would go out in a week offering you options. That " letter '' arrived on XX/XX/2020 and dated XX/XX/2020. Attached is the letter. I'm so sick to my stomach because SPS is seeking to profit from this horrible virus circumstance. They are offering my wife and me 90 day Forbearance ( from XXXX, XXXX and XXXX ) with a BALLOON PAYMENT DUE XX/XX/2020. My PITI monthly payment is {$2000.00}. Let 's multiple that by 3 months or {$6100.00}. Let 's add {$2000.00} due XX/XX/2020. Total {$8200.00}. Now, they want to charge me after 90 days a balloon payment of {$9500.00} ( see pay 2 TERMS ). If there was EVER a time when the CONSUMER FINANCIAL PROTECTION BUREAU NEEDED TO STEP IN, IT'S NOW. MY LOAN # IS XXXX XXXX
Consumer complaint received 2019-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I contacted the debtor on XX/XX/XXXX requesting my signature proving this was my debt and or that I had paid the accounts late. The companies are reporting this information to my 3 credit reporting agencies without providing validation of the debt and the credit reporting agencies are reporting this inaccurate information to future creditors. This is causing injury to my person as I am not able to acquire new credit based on these false invalidated claims.
Consumer complaint received 2019-11-16
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: WELLS FARGO & COMPANY (VA)

I finished the auto loan payment for a new car I bought in XX/XX/XXXX by paying off the car loan back in XXXX, XXXX. The Wells Fargo Dealer Financing company was overpaid by one additional installment payment of {$460.00} from my bank 's bill pay service after the remaining balance on the loan was paid off at that time. As a result I incurred {$210.00} in insufficient fund fee in my Wells Fargo bank Checking account. It took me over two weeks to get that over payment back into my account but have been unable to recover the wrongly charged fee totaling {$210.00} Since XX/XX/XXXX, after the car was paid off with the over payment there in, I'm still without a clear title and unable to change my car 's registration from XXXX to XXXX. Both States operate with Electronic Title System, and both States have not yet electronically received the release of lien on the title from the lien holder, Wells Fargo Dealer Financing company.
Consumer complaint received 2022-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

I feel like I'm being taken advantage of being ignored of my disputes. It is clearly stated on XXXX that failure to examine an item within 30 days is cause to instantly remove it off my credit report. Since it has been over 60 days, these entries should be deleted immediately. I demand that these accounts be deleted immediately, or I will sue you for the stress you have caused me.
Consumer complaint received 2022-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I feel like I'm being taken advantage of being ignored of my disputes. It is clearly stated on XXXX that failure to examine an item within 30 days is cause to instantly remove it off my credit report. Since it has been over 60 days, these entries should be deleted immediately. I demand that these accounts be deleted immediately, or I will sue you for the stress you have caused me.
Consumer complaint received 2022-08-04
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. (NC)

Hello, I recently received an updated copy of my credit report dated XX/XX/2022 through my XXXX XXXX XXXX XXXX and noticed 40 inquiries on each of my 3 bureau credit reports that I did not authorize or consented to which is a violation of my rights to privacy. These inquiries are highly injurious to my credit and my ability to borrow. Furthermore, I suspect that I'm a victim of some sort of Identity Theft due to the fact that I lost my wallet a couple of years ago at the XXXX XXXX here in XXXX NC. I contacted XXXX on XX/XX/2022 and informed them of my findings. I explained to the representative that I may be a victim of ID Theft. The Representative stated that I should file an FTC ID Theft Report and send that to all 3 bureaus including XXXX, XXXX, & TransUnion which I did on XX/XX/2022. Please see a copy of this FTC ID Theft Report attached.
Consumer complaint received 2022-08-04
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: Experian Information Solutions Inc. (NY)

Upon checking my credit report I noticed that there are two accounts from XXXX XXXX with two different account numbers being report on credit report. Account # XXXX and Account # XXXX*.I only have one account with XXXX XXXX  which is Account XXXX XXXX. I never applied for a second account. Somehow this second account seems to be a duplicate account of my current one. Included is a copy of my current credit card statement with accurate account number. According to the fair credit reporting act 15 USC 1681 : I have the right to privacy, 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my writmen instructions. 15 U.S. Code 1681i Section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer
Consumer complaint received 2020-11-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (NY)

On XX/XX/2018 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.
Consumer complaint received 2022-05-14
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. (CA)

In accordance with the Fair Credit Reporting Act XXXX  account # XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 section 604 A. Section 2 : It also states a consumer reporting agency Can not furnish a account without my written instructions.
Consumer complaint received 2021-06-02
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated (TN)

On XX/XX/2020 I noticed fraudulent transactions on my Way2go child support card. I contacted the company and filed a claim for the accounts listed below. On XX/XX/2020 the company issues me a provisional credit in the amount of XXXX until the investigation was completed. After several deposit from TN Human Services, I noticed Way2go was taking each deposit. I later received a letter in the mail, stating they did not find any fraudulent transactions. I contacted the company again asking for another them to investigate it again, because I knew those transactions were not made my me or with my consent. The representative stated, that it wasn't anything that could be done. 

These are the transactions I disputed XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX  - XXXX XX/XX/2020 XXXX XXXX - XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX  XXXX XXXX XXXX XXXX  - XXXX XX/XX/2020 XXXX XXXX XXXX XXXX
Consumer complaint received 2019-11-16
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)

AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY IN ONE CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.
Consumer complaint received 2022-08-04
Product: Credit card or prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: ADP Inc. (NJ)

I contacted Wisely about XXXX fraudulent charges made to my card totaling XXXX. These charges were made on XX/XX/XXXX and XX/XX/XXXX and made to XXXX by a person in California and I contacted Wisely on XX/XX/XXXX. I do not have an XXXX account nor their products, nor will I ever, anything XXXX is ridiculously expensive. A breakdown of the charges are attached. When I first contacted Wisely, I was notified that the process and investigation would take 2 week. I would be sent a document to sign and send back, which I did. 3 weeks after my initial contact, I contacted them again since I have heard nothing from Wisely at all. At that time, I was informed that it would take not 2 weeks, but a total of 3 months for the investigation and to get my money back! Every person I have ever spoken to about fraudulent charges got their money back usually within 24 hours, extreme cases were 48 hours. My case is an absurd 3 months!
Consumer complaint received 2020-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (PA)

I have contacted the three credit bureaus several times about this matter still no update on accurate information I still have an accurate information no proof let me apply for any of this stuff Ive never even went To any college i see there is a account for dept of education i never signed up for i sent complaint # XXXX please remove inaccurate information this is hhurting my family and hindering my credit stopping Me from obtaining new employment please remove inaccurate information listed below Upon investigation XXXX XXXX XXXX  Closed Closed on XX/XX/XXXX XXXX XXXX XXXX XXXX Closed Closed on XX/XX/XXXX XXXX Closed Closed XXXX XXXX XXXX {$770.00} Needs attention XXXX XXXX XXXX XXXX {$370.00} Needs attention XXXX XXXX XXXX {$160.00} Needs attention
Consumer complaint received 2022-08-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (FL)

I was approved 2 months ago ( XXXX of XXXX ) by the HAF for 18 months of forward payments. Despite being told this, and also being told that the payment was sent to my lender a week prior, the payment for XXXX was not applied to my account onthe due date of XX/XX/XXXX. I then called and emailed whomever I could at all organizations trying to figure out when the payment would be applied, as it was now past the due date and was just sitting there unclaimed. 

I finallygot an emailed response from someone at the XXXX, who is the companyresponsible for dispersing the funds to the lenders. The person I made contactwith at XXXX said they would reach out to their high level contact at Flagstar to have the payment applied and it was, within the hour. This finally took place eleven days past my due date. ( XX/XX/XXXX ) Fast forward to today ( XX/XX/XXXX ) whichis the second month of this. It is now 4 days past my due date and the payment has not yet been applied to my account again, despite Horne telling me that it was ACH transferred to my mortgagecompany a week ago.

My issue is that my lender, Flagstar bank, has these funds sitting in their coffers, and no one that I have spoken to at the company has any knowledge of the program, or how to then apply these funds to my account. Since the XXXX was able to almost instantaneouslyget the funds applied last month after an eleven day delay, I am sure there is someone at this company who knows what the program is and how to apply the funds, but I can not contact them. 

The person at XXXX is unwilling to divulge this info or to write to them again to get this payment applied. Every time i call, I have to tellmy entirestory from the beginning to the new rep, who then puts me on hold for XXXX minutes and comes back and sends me to another dept which is supposed to be the right dept. It never is and I just spendhours a day on the phone being passed around from wrong dept to wrong dept. The last time I called today, ( XX/XX/XXXX ) I was put on a lengthy hold, only to be hung up on. My only option would be to call back again, start over again, and experience the same stressfulfrustration. I need to knowwho I can directlycommunicate with at Flagstar to fix this recurring problem without all of the unnecessary stress and wasted time.
Consumer complaint received 2023-07-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (FL)

enhanced recovery added a collection account to my crediy report in 2021 that i contacted them about and set up a payment for settlement and removal of account from my credit report. The account was settled in XXXX of 2021 in the amount of {$480.00} but the account is still visible on my credit report. I have tried to recently contact the company and was informed through automation that my account is closed and has been returned to XXXX. Im confused because the original creditor says XXXX and the collection account is still appearing on my report even though it says closed.
Consumer complaint received 2019-10-26
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)

I am writing this due to non-compliance with the ( Equifax, ). They  have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.