davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-13
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: EQUIFAX, INC. (CA)

XXXX, XXXX  and equifax all have different totals for my credit report which is damaging my name and my possibilities on getting employment potential housing and car loans as well as just information that is completely unfounded, as well as posting medical debt and posting accounts that have been bought by companies that I've never done business with and calling it accurate. This is a pure case of Defamation of character and I'd like it to be resolved ... ..
Consumer complaint received 2018-04-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

New complaint same issue. 

2nd time Citizen 's bank did this to us! Ridiculous. 

XX/XX/18 I noticed my Mom 's acct was left with XXXX dollar after having XXXX dollars in it from her combined pension and social security. My mom is totally XXXX and I am her guardian to which I provided paperwork on file when we opened our bank accts. for me being her joint owner to this acct. 

When opening my friend 's acct XXXX XXXX the bank associated assigned our joint acct to my mom 's acct. I did not correct it when I had found out, but XXXX 's direct deposit was set up going into moms ' acct. While moms Pension that say ANNUITANT COMM OF PA and I do not think the bank explored this that this is showing her pension being deposited since opening the acct. 

Well, as fate would have it without warning, the bank takes my MOM 's money leaving her with XXXX dollar in the acct. She only gets her pension and social security once a month to spread across medical bills, mortgage, bills, food, utilities, life insurance, and living expenses with dad. 

What I do not understand is, if they saw that XXXX and My mom only have 1 acct. this joint acct. and XXXX has his sole acct. how do you wipe out an acct between two accts that shows he only has {$490.00} ( out of {$500.00} in Mom 's acct ) left in the bank in total? NO consideration to their living expenses or bills or anything! 

That in an of itself is incomprehensible. And for this bank to boast and pride itself on being friendly and family oriented is a straight flat out lie. 

So to this end, they took my moms ' money by which the response to my complaint may be ( like my other compliant ) that XXXX and Me are the ones considered as sole owners to this acct with no trace of my mom being on the acct. And that they still have the right to take money no matter whose it is. And it will be so convenient that they will not have any paperwork that applies to me being moms XXXX  and me opening up her acct. and us being joint on it like they just said in my last compliant when taking the XXXX 's entire paycheck out to cover my negative balances. 

There are no breaks for hard times for the customers who may be struggling, by a bank who is by no means hurting or struggling. There are reasons people are not covering their negative balances as quick as the bank would like, and to not explore those reasons or to see how to assist whether offering resources or options, is crazy. 

Our loyalty to this bank means nothing. And I am floored that they have taken a XXXX woman 's last {$490.00} dollars leaving her with XXXX dollar bill and not practicing or maybe not subscribing to the Lending Code. 

Totally unfair.
Consumer complaint received 2018-03-22
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: ACRANET INC (AZ)

On XX/XX/2018 an institution named XXXX placed a hard inquiry on my credit report. I did not give authorization to anyone to place a hard inquiry/run my credit, have not given out my Social Security Number for a credit inquiry, nor do I know who/what this company is.
Consumer complaint received 2018-03-13
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NC)

On XX/XX/XXXX I received a phone called from consumers husband stating that consumer vehicle was missing. XXXX was then called because there was no reason for the SUV to be missing. The operator said that XXXX XXXX had consumers XXXX XXXX XXXX. Consumer calls XXXX XXXX and they proceed to say that the suv has a repo out for it from Nissan Acceptance Corporation. They then proceed to tell consumer that consumer needed to make an appt to get consumer personal item out of the SUV after they take everything out of the vehicle to assess the condition of the vehicle, XXXX XXXX  is hoarding consumers belongs, and unlawfully came and toke consumers vehicle. Also after speaking with Nissan ( XXXX ) she told consumer that XXXX XXXX was not to go inside consumers vehicle without consumer being present. Nissan also stated that they did not give XXXX XXXX   authorization to repo consumer vehicle, that they provided consumer information to a national data company, which is against the law, because Nissan did not get consumers consent to give a third party the consumers personal information. Consumer never received the statutory proper notices by mail per the North Carolina law stating they were about to repo consumers vehicle.
Consumer complaint received 2018-02-24
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Westcreek Financial (VA)

I bought 2 mattresses with the cover from XXXX XXXX in XX/XX/2017. They offered me to finance and breakdown my payments twice every month. They didn't tell me anything about the finance company or their interest rate or any terms and condition. After I gave them my bank information they cut {$40.00} bucks from my account which they didn't tell me about. When i called the credit company they said it was for the application fee. Because of that my account was overdraft and I had to pay extra XXXX dollar for it. I also return one of the mattress box back. They supposed to give me the credit for it which i never got. Also i wanted to return one of the mattress cover. But they refused to take it because they can not mess up their inventory. I contacted the customer service of mattress house they asked me to contact the area manager. But after i called him, he never answer the phone or replied to voice mail. however, my concern is now that I already paid more then what I borrow from the credit company. But still they show that I have payments to make because after the no interest time they charged me for the interest. Which they never told me about or I could see how much they are charging me. I have contacted to them many time but they are always denied me. I couldn't even see how much i paid so far. After a long time calling them over and over they fixed me a account so that I could see my account activities. I borrowed {$1300.00} dollars from them. I already paid {$1600.00} till today. They still saying i have {$410.00} dollar left to pay. This is too much for a mattress to begin with and does not make any sense to pay triple for a mattress. Which is also not a good quality or helping me in my need. I can't even return it because they are not willing to take it. Even though the receipt said I can return it in one year or so.
Consumer complaint received 2018-03-22
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: CONGRESS COLLECTION CORP (MI)

As the Secured Party Creditor, and the holder of the paramount security interest in any and all real and personal property and the proceeds therefrom, registered to, associated with, in the possession of, or under the management of, XXXX XXXX XXXX, your alleged claims and/or requests prejudice my rights, titles, and interests in regards to said property as the Executive Trustee for the private trust to which said rights, titles, and interests have been pledged. In order for me to provide you with a remedy a bona fide and verified claim must be presented. Therefore, I am conditionally accepting your offer as noted above, upon : 1. VARIFIABLE Proof of Legal documents to prove that you are legally authorized to collect, 2. VARIFIABLE Proof of Amount of the actual debt, 3. VARIFIABLE Proof of Payments made on the account, 4. VARIFIABLE Proof of Accounting of the debt, including all interest and fees, 5. VARIFIABLE Proof of Fees and interest amounts, 6. VARIFIABLE Proof that XXXX, C/S CARE DEPT is owed money, 7. VARIFIABLE Proof of a signed contract showing the terms about the debt, 8. VARIFIABLE Proof of that XXXX owns the debt/or has been assigned the debt. 
9. VARIFIABLE Proof of a copy of a true bill from the original creditor, 10. VARIFIABLE Proof of a complete payment history, starting with the original creditor, 11. VARIFIABLE Proof of a Certified and True Copy of the original signed agreement or application, 12. VARIFIABLE Proof of a copy of a canceled check from XXXX XXXX XXXX to the original creditor.
Consumer complaint received 2018-02-24
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. (WA)

My XXXX XXXX bankruptcy was discharged in XX/XX/XXXX, Transunion listed my bankrupt as filed. I disputed this information after my discharge and Transunion came back saying the information on my report is correct. Again in XX/XX/XXXX I disputed my bankruptcy with Transunion as reporting incorrectly and again they came back with the information on my report is accurate. Both XXXX and XXXX   within days of my chapter XXXX discharge reported my bankruptcy correctly.
Consumer complaint received 2018-03-13
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. (MI)

I have filed ID Theft reports with the FTC.gov platform. In XX/XX/XXXX XX/XX/XXXX and and update in XX/XX/XXXX. In those complaints I informed Experian, XXXX and XXXX of a variation of my name as " XXXX '' and and address of " XXXX XXXX XXXX XXXX, XXXX XXXX Mi. XXXX '' was incorrect and it has been removed. But The XXXX XXXX XXXX continues to appear on my credit reports and this is a huge security issue. For the last time, Could you please delete the " XXXX XXXX XXXX XXXX. '' Address.
Consumer complaint received 2018-03-13
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: Santander Consumer USA Holdings Inc. (LA)

It is showing on my credit reports that Santander Consumer USA did a hard inquiry on XX/XX/17. An inquiry letter was sent to the company to provide explanation for the hard inquiry. Santander Consumer USA responded by stating that my credit was pulled on behalf of XXXX XXXX XXXX. I have never visited XXXX XXXX XXXX or given anyone from the company permission to run my credit or provide my personal information to any other parties. I have never received or been offered any services or financing from XXXX XXXX.
Consumer complaint received 2018-02-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY (UT)

Wrote a letter to American Express explaining I was victim of identity theft, fraud and being scammed. The executive office reached out to me and told me not to worry they would investigate the mater and get it resolved for me. Today I discovered they sent all my accounts to XXXX XXXX for a debt collection. I informed XXXX XXXX to cease and desist contacting me or family or friends. Send all correspondence by mail. Additionally, there was fraud on my American Express accounts and I am gathering a police report to file. American Express failed to resolve the fraud and instead sent it to collection and shut my cards off.
Consumer complaint received 2018-03-13
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

To Whom It Concerns : On XX/XX/XXXX, I attempted to purchase 2 airplane tickets via XXXX for {$410.00}. 

I changed my mind on the {$410.00} ticket purchase and processed a cancellation order on XX/XX/XXXX. 

The Flight Cancellation was accepted by XXXX on XX/XX/XXXX and XXXX promised to credit my account for the {$410.00}. 

Several months later after not receiving credit I called XXXX and they stated to me that my cancellation was not submitted. They asked that I provide proof of the cancellation. I had difficulty finding the " cancellation '' receipt. 

I contacted XXXX XXXX in XX/XX/XXXX and asked that they intercede. They gave me a temporary {$410.00} credit but reversed the credit on XX/XX/XXXX when I had not supplied the written documentation they requested. I subsequently found the XXXX cancellation receipt around XX/XX/XXXX and presented it to XXXX XXXX and XXXX for my {$410.00} credit. 

XXXX XXXX has not credited me the {$410.00} because they are still waiting on a response from XXXX. 

I am asking for whatever assistance you can provide to expedite the return of my {$410.00}.
Consumer complaint received 2018-02-24
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: WELLS FARGO & COMPANY (TX)

I did 2 wire transfers in XXXX dollars from XXXX XXXX in XXXX to Wells Fargo in XXXX XXXX where they converted the money to USD and sent it to my account in XXXX XXXX, TX. One was on XX/XX/XXXX for AUD XXXX, and the second was on XX/XX/XXXX for XXXX. Before doing so, I called XXXX XXXX XXXX in XXXX XXXX and got wiring instructions by email from XXXX XXXX of Wells Fargo. 
I also asked about the forex or exchange rate that would be used to convert the money. I explained that I was aware that it was a common practice, say in the case of tourists getting pocket money for a trip, to change the money at a rate of around 5 points less than the real, official exchange rate of the day. I said that I wanted to be sure that this would not happen as it would cost me several thousand dollars on the amount I would be transferring. She told me that I would not be shorted that way and that the bank would use the official, public exchange rate for the specific date and time. Just prior to the transfers, I called again with a couple more questions and repeated my concerns about the exchange rate that would be used. She told me the same thing. 
When Wells Fargo changed the money on the XX/XX/XXXX and XX/XX/XXXX, the published exchange rate on internet sites was about XXXX. My money converted at just short of XXXX, and I calculate that I received just over {$8000.00} less because of this difference. Prior to XX/XX/XXXX, I sent wires to XXXX in XXXX and also to XXXX, and they always used the official rate of the day. Even this summer, my daughter changed some XXXX dollars at the branch here in XXXX XXXX, and it appears that they used the day 's official rate. 
On XX/XX/XXXX, I talked to XXXX with Wells Fargo again and XXXX with XXXX XXXX XXXX. He then explained that they only used that official, public exchange rate for very large transactions, like XXXX XXXX dollars. 
XXXX XXXX with my branch in XXXX XXXX also followed this up for me. It was agreed that the communication with me about the exchange rates fell short, but they made no offer to compensate me for some or all of the difference. 
I believe that they had to understand what I was asking, and I do not believe that the disclosure was complete and adequate. I understand that it is probably legal to give whatever exchange rate they want as long as they disclose how it is done. In this case they did not, and it seems that they should take responsibility for that. If I had had full and complete information, I may well have done things differently. I would have certainly talked to other banks, and I would maybe have tried to do the whole XXXX in one transaction ( from within my XXXX account, my daily transaction limit was XXXX ). As I've said, I feel Wells Fargo should be responsible for incomplete, inadequate disclosure and the money I may have lost due to this.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

This complaint is filed pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) to request that the Consumer Financial Protection Bureau ( CFPB ) assist in the removal of fraudulent accounts appearing on my credit report. These accounts were opened as a result of identity theft and contain inaccurate and false information. The fraudulent accounts are as follows : XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$6300.00} XXXX XXXX Balance : {$120.00} These accounts have resulted in fraudulent credit reporting and collections on my consumer credit report. I demand that these fraudulent items be removed immediately and that all related collection activities cease in accordance with my rights under the FCRA and FDCPA.
Consumer complaint received 2018-03-13
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Gold Star Finance, Inc. (TX)

On XX/XX/XXXX, around XXXX XXXX  central time, a creditor called a coworker at work to ask her if she wanted to renew an installment loan. She said no and then the creditor asked her if I worked there. By coincidence, this coworker and I both have accounts with this creditor. This coworker does not know me well and didnt not remember my full name and she said that the creditor asked if she can really a message to me. My coworker said no and regardless, the creditor told her to tell me to call them as soon as possible to make payment on a past due account. Coworker told me later on what happened on the call. I was disturbed that they are revealing my debt info to coworkers and supervisors. Its so stressing and theyre making me look bad in front of my coworkers and supervisors. I really hope the CFPB could look into this and these abusive debt collection practices these personal loan and payday loan companies do and the criminal interest rates they charge. I lose sleep at night due to these companies and their predatory lending.
Consumer complaint received 2018-02-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (CO)

I have called numerous times about an error on my XXXX. The itemized page shows disbursements from my escrow account to pay my property taxes ( as it should ). The summary box on the first page states {$0.00} paid in property taxes, which is problematic. I've been reassured by various personal that my taxes have indeed been paid, but I need to complete my taxes and don't want to do so with out a corrected form. 
Call 1 : Nice person, said the placed a ticket to get it fixed and I would receive a new one. Two weeks went by with no corrected form.

Call 2 : Said they couldn't find any ticket being placed so they placed a new one and it would be emailed to me within an hour of that phone call occurring. 
Call 3 : The next day, no email so I call again. Their systems were down but the rep told me my mortgage had probably been transferred and I'm probably not even their customer. This was incredibly insulting. 1. Freedom Mortgage happily has accepted every single payment I've made to them so I sincerely hope that I am in fact their customer. 2. I'm not a XXXX, in fact I used to audit escrow forms so I believe that I'm slightly more educated on the mortgage servicing process than their average customer. I was incredulous that without operational systems the rep would assume I'm not even their customer. She never even let me finish explaining the full problem. 
Call 4 : Trying again with a different rep who did apologize about the last person 's attitude, placed a ticket regarding the XXXX and I did get one emailed to me within a couple of days, within the promised timeline of that phone call. Except, IT WAS THE EXACT SAME FORM AND NOT A CORRECTED. XXXX! 
Call 5 : Called back and said it's still wrong, they put in an escalation to the manager and  suggested I proceed filing my taxes using the disbursement sum from the itemized page and that I should feel assured I would get a corrected one eventually. They placed a follow up to a manager to call me back as well. 
Manager Voicemail : I was in a meeting so I received a voicemail telling me to call back XXXX.

Call 6 : I call back and ask for XXXX but am never transferred. This person puts in ANOTHER TICKET abut the XXXX and says I'll get a corrected one because they don't see any there open tickets. That was yesterday XX/XX/2018. 
I'm at y wits end, there's clearly a systemic problem with that box on Freedom 's XXXX that's not being addressed. It's likely I'm not the only impacted customer as I highly doubt they are printing these individually. I want a corrected XXXX! It shouldn't take 7 calls from one customer to correct a bank error.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

I recently contacted law enforcement agency & submitted an ID Theft report. My consumer report has multiple misinformation fraudulent accounts opened using my personal information. This violates FCRA section 1681c & section 1681s ( a ) ( 1 ) & my right to privacy. 

Accounts ; XXXX XXXX, XXXX XXXX XXXX Address ;. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX