davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (TX)

HUD Title 1 Loan reporting on XXXX and US Department of Housing reporting on Experian has failed to remove this reporting from my credit report. The last payment was made in XXXX of 2014 the first delinquent payment was XXXX of 2014 it has been over seven years this negative reporting has been on my credit report. I am exercising my right under the fair credit reporting act, Section 609, to request information regarding an item that is listed on my consumer credit report. HUD Title 1 Loan ( XXXX ) and US Department of Housing ( Experian ) As per section 609 I am entitled to see the source information which is the original contract that contains my signature and the following items. 

1. A copy of disclosure for the loan 2. Interest rate disclosure for the loan 3. Balance history of the loan 4. Payment history of the loan 5. Credit insurance for the loan
Consumer complaint received 2021-10-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (CA)

On Friday XX/XX/XXXX, I tried to XXXX a family member {$1000.00}. However, the XXXX did not successfully complete as it usually does. Simultaneously, I received a text that said it was from Citibank, and to click the link embedded in the SMS message. 

On Monday XX/XX/XXXX in the morning at approximately XXXX, I woke up to grab my cellular device to make a call out to my family member. However, the call kept failing. I thought it was due to poor connection in my house, as my neighborhood experienced a power outage the night prior that occurred due to bad weather at XXXX, and XXXX XXXX XXXX  still had not been able to get power back on by the morning I woke up. That was when I drove to XXXX  to inquire why my phone still had no connection, and learned my phone sim had actually been deactivated all morning ( not by myself ) thus I was issued a new one. Once I got home in the afternoon, I was able to obtain access to my phone again and immediately logged onto my Citibank mobile banking app. That was when I saw that my checking account was overdrawn over - {$700.00} at that time, and my savings account had been completely wiped out. There were two unauthorized fraudulent wires. One for the amount of {$19000.00} to an account in XXXX XXXX. The second unauthorized wire was for {$40000.00} to another account for XXXX  XXXX XXXX. Both were unauthorized by myself, yet occurred that Monday morning around XXXX XXXX E.T. while my phone had been " deactivated. '' The same day ( Monday XX/XX/XXXX ) I called my bank 's specialist from the Citibank Fraud department, who issued a hold/block on my banking accounts to prevent any further fraudulent activity. I also drove to the police station which was closed, so the police were contacted and arrived to my house, taking photographs of the evidence/proof of the fraud activity provided through my phone. A detective contacted me the following day ( Tuesday XX/XX/XXXX ) to let me know my local Police Department and detective were assigned to my case. On Tuesday, I went to my local Citibank branch to complete an affidavit which was notarized for the unauthorized wire transfer and fraud that occurred, as well as the identity theft of the criminals who impersonated myself when they made an outbound call on Monday the XXXX to Citibank to impersonate me to authorize their wire transfer under my identity. Citibank is currently investigating and reviewing this fraud case, and the Affidavit is still being sent but will process on Friday XX/XX/XXXX through Citibank 's Incident Report Unit. I have also filed a case with FBI 's Internet Crime Complaint Center ( IC3.gov ). {$59000.00} was wired from my savings and checking account with Citibank, unauthorized by me.
Consumer complaint received 2022-06-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: MECHANICS BANK (CA)

I filed a merchant dispute complaint on XX/XX/2022, Dispute ID : XXXX, at Mechanics Bank for 2 POS ( Point Of Sale ) transactions charges XXXX. The merchandise was defective and the company did not want to honor the warranty. I also submitted another complaint merchant dispute for ACH transactions charges XXXX, Dispute ID : XXXX. I received a letter from Mechanics Bank for both disputed transactions and they made the decision that they could not help me with my claim and closed the investigations. I would like for you guys to investigate if the bank made the correct decision under the law. Thank you
Consumer complaint received 2021-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (VA)

I have spoken to jp morgan chase numerous times about them reporting my loan 30 days late on XX/XX/2017 and XX/XX/2017 on all three credit bureaus. I have also disputed this multiple times with all three bureaus and nothing comes back of any proof or how this was late.
Consumer complaint received 2021-10-06
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: SYNCHRONY FINANCIAL (FL)

I have spent hours and hours on the phone attempting to get my refund for a purchase that was returned, verified returned and the credit card com-any refuses to help me, just saying for 3 months that the matters under review, which completely violate their own customer protection policy. 

I purchased an item in XXXX on XXXX using my paypal credit account. I item ( XXXX ) turned out to be stolen and unusable, I returned the item, sent the verified tracking into them and they put the matter under review and refuse to give me my money back or help me what so ever
Consumer complaint received 2023-02-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Ascendium Education Group (IN)

I attended XXXX from XXXX. I withdrew because I was lied to about transferring my credits. In XXXX I applied for XXXX XXXX for XXXX and was denied. In XXXX, my student loans were XXXX due to being a permanently XXXX veteran. I wanted a refund on all the payments and offsets paid on my student loans. In XX/XX/XXXX XXXX advised me I would have to reactivate my loans to get a refund. On XX/XX/XXXX I received a letter from XXXX that my loans were reactivated. I was told that ascendium had my loans. Then after contacting ascendium I was told by them that the debt resolutions group had my loans. I contacted them and was told that to send him had my loans. When I go on the federal student aid website it states that navient has my loans. So after contacting all these companies I found out that ascendium does have my loans even though the federal student aid website states that navient has my loans. I contacted ascendium about getting a refund and they sent me an email from the XXXX  stating I would have to contact the XXXX XXXX XXXX for a refund. Then about XXXX weeks ago I received a check in the mail from the Department of Education for {$1000.00}. I called the federal student aid customer service to find out what that check was from and nobody knows. I contacted the sending him XXXX again and they stated that they can't give me a refund once again and I would have to contact the XXXX XXXX XXXX XXXX. I contacted the XXXX XXXX XXXX XXXX and they told me it's ascendium who would have to give me a refund since they acquired my loans in XXXX from navient and navient got my offset in XXXX. I'm being put in circles and nobody will give me an answer. I also have a XXXX XXXX  Application that is pending that I resubmitted in XXXX just at my own advice because nobody was telling me what to do.
Consumer complaint received 2022-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (PA)

Experian has allowed erroneous info to be on my credit file that is damaging my credit score, and credit worthiness... 

Unauthorized Inquiry : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX is old account I closed in XX/XX/XXXX ... they reported it as a charge off, I disputed several times, Experisan did not retrieve any records and mail them to me of what first premier had so I could respond, they only said it was verified, it is not a charge off XXXX agreed to remove from file after I agreed to pay it off, it must be removed
Consumer complaint received 2021-09-30
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (FL)

Please refer to the attached for full copy of statements XXXX XXXX The last purchase made with my Victoria Secrets card occured on XX/XX/XXXX which showed up on XXXX 's statement, due XX/XX/XXXX. Unfortunately, I made the payment too close to the due date ( XXXX ) and it was received on the XXXX, generating a late fee and interest charge, for a total of {$31.00}, due on XX/XX/XXXX. On XX/XX/XXXX, a new payment for the amount due was made, leaving a {$0.00} balance in the account. And, again, I have not used the card since XXXX, so I was not tracking the account any more at this point. 

Here is where the unfair, unexplained and incoherent transaction starts. In my opinion a system error. 
A new " Fee Charged '' for {$2.00} was applied to the account on XX/XX/XXXX. This has no explanation whatsoever. Considering I've already paid my dues, actually 15 days earlier ( paid XXXX, due XX/XX/XXXX ) The {$2.00} generated late fees and more interest and late fees over and over. The balance grew up to {$30.00} ( breakdown below ). 
XXXX {$2.00} interest XXXX {$2.00} late fee XXXX {$2.00} interest XXXX {$6.00} late fee XXXX {$2.00} interest XXXX {$14.00} late fee XXXX {$2.00} interest On XX/XX/XXXX I received a paper statement ( while I'm signed up for eDelivery ) showing a total of {$30.00} balance due on XX/XX/XXXX. I should've not paid it at this time, however I did. A full payment was made, again on XXXX. 

Today, I noticed a new balance for {$2.00} posted in the account. I went and paid it. But not fully convinced of what is happening, I decided to call Customer Service and discuss. 

Spoke to XXXX with client service, and she understood the situation and credited the {$2.00} I had just paid. And offered me to transfer the call to her supervisor to apply the credit for the {$30.00} previously paid, as she was not able to process it. XXXX, XXXX 's supervisor, argued with me from the beginning, repeating herself and not listening to the full analysis I've prepared, before I called them. So I requested her to transfer me to her manager or a higher up agent. Then I was transferred to XXXX, Senior manager. Again, arguing and advising me to refer to the statements which were black and white, clear enough to anyone or close the account if I disagree to their terms and conditions. I explained, several times, that I did not disagree of being charged for the late fee in XXXX. however if I had until XX/XX/XXXX to pay {$31.00} and had paid that amount on XXXX, basically 15 days in advance, why am I being charged {$2.00} again in XXXX. It just makes no sense. 
This call was on for almost an hour. And if they really recorded it, I hope you could listen to it.
Consumer complaint received 2022-01-18
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)

I was looking over my credit report, and I noticed some inquiries that I did not authorize or make I believe I may be a victime of identity theft. 

I did not do these inquiries listed below : XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX EXXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion
Consumer complaint received 2022-01-18
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: HUNTINGTON NATIONAL BANK, THE (IL)

I have a HELOC on my personal residence with Huntington Bank that I never use. Late last year someone went into one of their branches and made a withdrawal from the HELOC for approximately {$8700.00}. This was brought to my attention the same day by Huntington Bank. 

Shortly thereafter I was mailed an affidavit to complete verifying that it wasn't me who made the withdrawal. My account was closed and a new account opened. I brought the paperwork with me and a personal banker helped me complete the paperwork and left with the banker as instructed. This was done well within the time window requested. 

The day after dropping off the paperwork at their branch the fraudulent balance was transferred to my new account. I was only made aware of this last week when I got a text message asking me to call them. Upon calling the number provided they wanted to know why I hadn't been making interest payments on the balance. 

I tried emailing the email address I was given by the person who made me aware of the late payments, and emailing the fraud department. Responses from both told me to call their customer support line. I've spent a lot of time on hold and being transferred in circles calling their support line, trying to vain to get someone to help me clean this mess up. When I do get through to someone of authority they won't talk to me because I'm not an employee. I've left messages with the branch manager and he isn't returning my calls.

Please help I don't think I should be responsible for fraud. Not sure if the missed interest payments have started to negatively affected my excellent credit score yet.
Consumer complaint received 2021-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

Hello, currently all 3 credit bureaus are counting my rate shopping for a mortgage on my credit report as individual inquiries rather than lumping them as a single inquiry on my credit. This has negatively impacted me by not only dropping my credit score by 50+ points but because all the inquiries for my rate shopping are not being consolidated and counted as 1 and is hitting my report as individual inquiries. I can not get approved for any credit cards because banks think I am desperate for credit. This is very harmful to me as I have never been late on a payment and have been a good steward of my credit and was at XXXX credit prior to all these inquiries dragging my score to the ground. 

On alI the credit bureaus, I have 7 hard inquiries from XX/XX/XXXX and XXXX but these should be counted as 1 as I was rate shopping for a mortgage.
Consumer complaint received 2024-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FC HoldCo LLC (MI)

Car was turned over to XXXX XXXX on XX/XX/XXXX. XXXX immediately sold the vehicle but did not provide updates on balance and status. After reaching out to the company several times, I was finally given information with updated balance in XX/XX/XXXX, and told that it would be updated with the credit reporting companies within 30 days. Since then, I have been given a difficult time by this company, and they keep saying they will update the balance information with credit reporting agencies but have not. I have last spoken with XXXX on XX/XX/XXXX, and the issue is still not addressed. I have a letter from XXXX stating the updated balance.
Consumer complaint received 2022-01-18
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Santander Consumer USA Holdings Inc. (PA)

I reached out to Santander Consumer USA attempting to have my alleged debt with them validated back in early XXXX of 2021. The company then sent me out some documents that i reviewed and determined wasn't enough information to fulfill my request. I made the company aware of this determination, and they proceeded send me an identical set of documents. Santander never directly addressed my determination, nor did they cease collection therefore violating 15 USC 1692g ( b ). The company even went as far as repossessing my vehicle.
Consumer complaint received 2024-12-10
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (VA)

In the state of Virginia, I have received a tax exemption due to being a XXXX XXXX XXXX XXXX  veteran. I receive tax exemption on my residential home, one acre of land, and one vehicle. I sent the approved tax exemption ( which was back-dated almost a year ) to NewRez to receive a refund for overpayment of in escrow back in XX/XX/year>. I was told that by XX/XX/XXXX an escrow analysis would begin and that they had 30 days to process it. 

I would have been fine with that ; however, I never heard anything back from them and contacted them again. They stated that the escrow analysis had been completed but it was a " trial '' analysis and not a real one. They even sent me documents to show the new escrow amount and that it would start in XXXX. 

At this point, I have called them 9 times since late XXXX ( today 's date is XX/XX/XXXX ) and spoken to several different people who all give conflicting information and have all stated that I should receive my refund within X amount of days. Those days pass and no refund is received, even after several days I gave as a grace period. Each time I call back, there's some other excuse. I've tried to escalate the matter to supervisors but they speak down to you and demean you when you try to talk with them. I'm now in the process of trying to speak to a supervisor 's supervisor and was told that I would receive a call back within 24-48 hours. 

At this point, it's obvious their processes are not working, let alone the fact that they are essentially getting a free loan from me every day they hold my money. The amount they estimated was also short of what it should have been. It feels that at this point, I may never see my money back. What's worse is that they continue to charge me for the taxes that I'm exempt on so the amount they owe me continues to grow.
Consumer complaint received 2021-10-21
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. (NY)

PLEASE BE ADVISED THIS IS MY FIRST WRITTEN REQUEST, The unverified items listed below remain on my credit report in violation? 
of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that the information is mine and is correct. In the Results of the first investigation,, you stated in writing that you " verified '' that these items are being reported " correctly '' Who verified these accounts? You have not sent me a copy of ANY original documentation required under Section 609 ( A ) ( 1 ) ( a ) and Section 611 ( a ) ( 1 ) ( A ) a consumer contract with my signature on it .and under Section611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified ACCOUNTS : XXXX ( {$550.00} ) # XXXX, XXXX XXXX ( {$460.00} ) # XXXX, XXXX XXXX ( {$460.00} ) # XXXX, XXXX XXXX XXXX ( {$850.00} ) # XXXX INQUIRIES : XXXX  XXXX XXXX  XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-01-18
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (CA)

On XX/XX/XXXX, three debit visa gift cards were purchased a local supermarket on a credit card amounting to {$700.00}. The website provided on their cards does not work to register them. On XX/XX/XXXX one of the cards were used and the merchant declined it. I called the bank on the back of the card and was told there was fraud on the card and I provided my contact information and was told a replacement would be received in 7-10 business days. I never received the card. I went back to the supermarket and the manager gave me another number to call to their corporate department and they took down the information and gave me another number to call. I proceeded to call them and they indicated the first card should work and the other two cards had fraud on them and they want to replace them. I told the bank that I wanted my money back as I don't want to run into the same situation again with the cards not working and not being able to register them online to check balances. They have refused.
Consumer complaint received 2021-11-20
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: EQUIFAX, INC. (TN)

Equifax, XXXX and XXXX have repeatedly violated my consumer rights under the Fair Credit Reporting Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA. Despite my efforts to resolve this unfortunate nightmare for several months now, XXXX has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of the many, many other complaints filed against this company for their illegal and unethical business. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Consumer complaint received 2021-10-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (CA)

I have tried to resolved this matter on 3 different occasions and nothing has been done, I have exhausted my resources and I demand this fraudulent account to be removed immediately. I have submitted an affidavit to back up my claim and to my understanding an affidavit stands as TRUTH if not rebutted. Please help me stop unfair debt practices from LVNV FUNDING LLC XXXX