davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SANTANDER HOLDINGS USA, INC. (PA)

XXXX XXXX XXXX  engaged in fraudulent practices by failing to deliver approximately 50 % of the merchandise for which I paid a total of {$67.00}. I promptly returned all items as per their policy. However, XXXX XXXX XXXX is refusing to issue a full refund, which goes against their stated policy. Additionally, Santander Bank has repeatedly failed to provide assistance in resolving this matter. I've encountered Santander representatives, such as " XXXX, '' who seem to be located offshore and have handled this situation unprofessionally. XXXX played a frustrating game of putting me on hold off and on for 25 minutes and then informed me that it was his day off tomorrow, suggesting that I should call back and essentially start the dispute resolution process from scratch. Santander 's handling of this dispute has been grossly incompetent, and they appear to trivialize the issue, causing frustration and inconvenience to the customer. REFUND THE {$67.00} TO ME IMMEDIATELY!
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Creditors Bureau Associates (GA)

Account owner XXXX Account XXXX reported XX/XX/XXXX Account status XXXX XXXX XXXX XXXX XXXX Original amount owed {$1200.00} Original creditor XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Agency CREDITORS BUREAU ASSOCIATES XXXX XXXX XX/XX/XXXX Delinquency Date of last payment Balance owed {$1200.00} Comments Consumer Disputes Reinvestigation In Progress Balance date XX/XX/XXXX Date of first delinquency Account Number XXXX XXXX Account Status COLLECTION Owner INDIVIDUAL Account Type OTHER Creditor Classification RETAIL Loan Type XXXX Original Creditor Name XXXX  XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX Designator Terms Frequency Term Duration Purchased From Sold To : XXXX XXXX XXXX XXXX and Amounts Balance {$1500.00} Credit Limit XXXX XXXX {$1500.00} Available Credit Account Dates Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX Date of Last Activity Date of First Delinquency XXXX XXXX XXXX hard inquiries that are also not mine
Consumer complaint received 2023-10-08
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (PA)

I had opened a account with venmo gave them my back account number and a routing number, They went into my account and took XXXX dollar, and the next day deposited XXXX dollar. I then logged in and hit the deposit button at the top right side, and nothing happened no deposit. I tried it several times in the next few days, Then I closed the account, and got a new card from my bank. I have written them many times and even called them, and have gotten no where. Here is the last e-mail from them. They have had my money for YEARS now .... : Your request ( # XXXX ) has been updated. To add additional comments, reply to this email. XXXX XXXX ( Venmo ) XX/XX/XXXX, XXXX XXXX CST Hi XXXX, Venmo will not automatically transfer your balance to your bank account. The payment you received has been sitting on your Venmo account and you need to initiate the transfer. To get access to your account please provide : 1. A picture ( not a photocopy ) of your unexpired US government-issued photo ID. Please do not omit or cover any information on your ID. You can use our upload link to submit your ID ( for your privacy and security, please do not reply back to this email with your ID ) : XXXX XXXX XXXX XXXX & XXXX & XXXX 2. The full phone number currently associated with your account. Once you regain access to your account you can transfer the {$85.00} to your bank account. Thanks for your patience while attempt to help you resolve this issue. Best, XXXX XXXX | Venmo Support
Consumer complaint received 2023-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name & Number : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. The bankruptcy court do not report to the credit bureaus that is a violation of my hippa rights
Consumer complaint received 2024-04-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: TD BANK US HOLDING COMPANY (NY)

I had made a transfer to my account for me to pay my tuition. My Social Security is XXXX XXXX XXXX. The bank thought the payments deposited was fraudulent and Inactivated the accounts. It was for XXXX XXXX dollars from XXXX. They were not reiterating the correct information to my family and told us the XXXX XXXX  XXXX of XX/XX/2024 that they didn't know why. Also, the authorities were present that day from the XXXX XXXX  in XXXX. It was documented on XXXX and the report number is XXXX. I tried to be polite and amicable about the process until I got aggravated with the Service and had us waiting for approximately 7 hours at this TD Bank location. The next day my family went to the location on XX/XX/2024 of the bank TD at XXXX XXXX to prove that the money from XXXX was legitimately. Then the managers told us after informing the TD Bank that it was going for fraud Closure. We explained we were legit and had the documents. After, they told us it would be approved, it was a lie. They lied and when we got home informed us that closure of the accounts was initiated for no apparent reason and that TD would not be continuing any accounts with my family with us. Stated that we had to go to the branch and take the funds out. They also never supplied us with any legal documents after being proven wrong to the fact of why they did that to us. I am in so disbelief of how we were treated in front of Customers and told for no reason that we wouldn't be continuing banking at this location. I have had this bank for years and never had any discrepancy. We would be appreciative and grateful for the help from the Government. Have Well Day. XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Mr. Cooper Group Inc. (CA)

I pay our mortgage to lender Mr.Cooper since XX/XX/XXXX after being switching from lender XXXX XXXX Mortgage. I believe this transition marked our mortgage reached 20 % ; however, none of them notified us how far or how many percentages we pay off the loan at the time. 
By XXXX or XX/XX/XXXX, our PMI should have been removed and in XXXX 's policy indicates that PMI will be removed automatically by them when we paid down 78 % of the loan. We assumed they would remove PMI for us based on their policy. However, they continued to take PMI We still continued to pay PMI until XX/XX/XXXX with amount of {$100.00} each month ( from XXXX XXXX XX/XX/XXXX ). When I called Mr Cooper to cancel PMI in XX/XX/XXXX and requested the refund of what we overpaid since XXXX or XX/XX/XXXX. They blamed on the investor Fannie Mae who took our PMI and disbursed only {$28.00} of XX/XX/XXXX payment. 
My email to Mr. Cooper was ignored since XX/XX/XXXX. 
I contacted XXXX XXXX on XX/XX/XXXX and they blamed on the payment service- Mr. Cooper XXXX they took my PMI. 
I request CFPB to protect me from the intentional XXXX PMI of either Mr. Cooper or XXXX XXXX
Consumer complaint received 2023-10-06
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

XXXX XXXX XXXX  PA in XXXX north carolina sent me a default judgement letter. I looked at it and I tried to call them about this letter but they will not answer my phone calls. ive been making payments to them for the charged off bank of america credit card. i made them stop taking money because they illegally took the money out of my checking account, forcing me to change my account information with my bank. also, they wanted me to sign a confession of judgement. i was going to sign it but i fell ill. i am suffering from major health issues from the XXXX XXXX. so i get hindered a lot from going places and doing things. i guess they took this as a sign that i didnt want to sign it. so they put a default judgement out against me. i called them multiple times, at least 3 days in a row this week but they wont answer me.
Consumer complaint received 2023-10-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: DISCOVER BANK (TX)

DISCOVER is reporting an account as a charge off on my credit report. They have not provided a 1099 to support their claim. If they have already received funds for this account via insurance, then this is subrogation. 

Further, I never received all disclosures or was informed clearly and conspicuously of my rights pursuant to 15 usc 6802 It was never explained to me that reporting this account to my credit was consensual. I was never told that DISCOVER would traffic, transfer or sell my information to breach-prone companies where my information would be compromised which violates The Protection of Non-public Information laws.
Consumer complaint received 2023-10-08
Product: Credit 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. (NY)

Home Depot is reporting two purchases on a card ( ending in XXXX ) which I have never had in my possession : {$380.00} in XXXX XXXX on XX/XX/, & {$120.00} in a XXXX Home Depot on XX/XX/. I have advised Home Depot that I never had that card, & that I did not make those charges. 

Home Depot removed the {$120.00} from my statement but the {$380.00} charge is still showing. I have changed my account password to help prevent this type of fraud in the future.

Home Depot is now tracking a new card # XXXX on my account. I have not received the referenced card.
Consumer complaint received 2023-10-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: WELLS FARGO & COMPANY (VA)

In 2018 I had to take a modification on my Wells Fargo Mortgage. It was a tough time for me and Wells Fargo was also going through a rough time I feel in 2018. I was charged a lo5 of feed and my loan went way up.and my interest rate on my loan went up as well. My credit was really impacted a lot.
Consumer complaint received 2023-10-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC (AL)

I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo is reporting an account as a charge off on my credit report. They have not provided a 1099 to support their claim. If they have already received funds for this account via insurance, then this is subrogation. 

Further, I never received all disclosures or was informed clearly and conspicuously of my rights pursuant to 15 usc 6802 It was never explained to me that reporting this account to my credit was consensual. I was never told that Wells Fargo would traffic, transfer or sell my information to breach-prone companies where my information would be compromised which violates The Protection of Non-public Information laws.
Consumer complaint received 2024-04-04
Product: Debt collection — Rental debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: T.S. Holdings (AL)

I was sued bXXXX XXXX XXXX XXXX XXXX in XXXX XXXX AL. At the same time XXXX XXXX turned me over to a collection agency while they were suing me in court. I was under the impression sent it was sent to a collection agency they were the ones garnishing my wages. It was until a few months ago I received a letter stating if I paid X amount of money they would close my account. That is when I called the collection agency ( IQ data ) to inform them I have paid well over the amount they were asking for. That is when IQ data informed me XXXX XXXX had sold my debt to them and they were not in fact collecting the money. I then have been in contact with XXXXXXXX XXXX attorneys through email for the last 2 months and nothing has been done. They told me XXXX XXXX would contact IQ data to have this fixed. I contacted IQ data and the lady I spoke with told me she would not be speaking to me regarding this matter unless I was paying the balance. She then started screaming at me over the phone stating that this was not her problem and that she would not be helping me any further, then hung up on me. Since then XXXX XXXX has stopped replying to my emails. Again XXXX XXXX went through the court and is garnishing my wages for over {$11000.00} I have almost paid this amount off now. I have had XXXX data on my credit with reoccurring interest. This has dropped my credit score, is preventing me from getting any loans, has stopped my husband and I from buying a home. XXXX XXXX is collecting on my debt twice. They have sold the debt to IQ data and then led me under false pretenses with filing a suite against me leaving me under the impression that I wouldn't need to go to court since it was turned over to a collection agency. In turn they have collected more money from me by suing and garnishing then making more money by selling the same debt to a collection agency. Now I am sitting her with garnished wages and debt I don't owe on my credit.
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-08
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation (SC)

I obtained a refinance auto loan with one main financial ( OMF ) in XXXX at $ XXXX at XXXX monthly. Now XXXX years later in XX/XX/XXXX, they are still aggressively trying to collect and repossess the vehicle, even though I have paid roughly $ XXXX or 200 % on the loan. The vehicle due to natural depreciation has little value in comparison to the balance due. The last statement I received in XX/XX/XXXX showed an ending balance of $ XXXX. I spoke to a representative who told me my original loan maturity date was XX/XX/XXXX but it will be another 3 years of payments to resolve this account. I feel like I was defrauded and not made fully aware of the interest & payment application of this loan. I requested a history of my account in XXXX and in review, the majority almost XXXX % of most payments have been applied to interest. I have requested many times to cancel this loan, when the car had value and OMF refused and bartered with a payment arrangement. I don't feel that the balance due is a true and accurate reflection of what I owe and this account should be resolved. OMF is taking advantage of customers and it feels illegal and extremely deceptive.
Consumer complaint received 2023-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: OneMain Finance Corporation (SC)

I have three unauthorized hard inquiries on my credit report, and after months of trying to ask XXXX and XXXX to investigate them, they won't take any action. I sent nine letters and seven phone calls to dispute these hard inquiries with no luck to investigate/remove them from my credit report. I never authorized these inquiries. I have no idea what type or kind of loan they are or banks. Never applied and never authorized.
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-10-06
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: TransferWise Ltd (MI)

I have transferred XXXX USD using Wise from my XXXX XXXX XXXX account to an external XXXX account. 

Wise has debited the money from my US account but no transfer was performed. The transfer has been pending for over 30 days and I do not have access to my money. 

Money has been taken from my XXXX XXXX account by wise. No transfer has been processed. I have not been able to access this money or see any information about the transfer. 

Contact with wise customer support has not generated any resolution. The communication have never provided any information and only seem to extend the time indefinitely. Here are some reasons that Wise customer service have provided me with regarding the frozen transfer and missing funds : - The transfer is frozen becuase it was done on a weekend - 5 day security checking is required - technical problems - another 5 day security checking is required - I will enquire with my colleagues and email you with information - I will get more information tomorrow- we will contact you soon with an update Ideal resolution : The transaction will be processed and sent or cancelled and returned to my bank account
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I'm sending this complaint to inform the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (OH)

A bankruptcy was put on my credit file without my consent. Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record.