davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

I have identified several inaccuracies on my credit report and subsequently reached out to the credit reporting agencies to address these issues. however, the credit reporting agencies have not adhered to Federal Trade Commission regulations and have failed to correct These discrepancies, this noncompliance represent a clear infringements on my consumer rights
Consumer complaint received 2015-04-10
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: SUNTRUST BANKS, INC. (SC)

I withdrew {$4500.00} cash from my checking acct. two hours later I get a call from the bank teller asking me if I have the withdrawl firm that I signed in front of the teller to withdraw the money. I answered no and laughed. The next morning I checked my acct. online. My {$4500.00}. withdrawl was debited from my acct. the withdrawl slip was copied into the summary. It was the one signed by me. In addition there was a XXXX withdrawl made on my acct. for an additional {$4500.00} dollars, with a withdrawl slip signed by the teller. An additional {$4500.00}. was debited to my acct. giving me a negative balance. The late fees and charges started almost immediately. The next morning I was at the bank when they opened the doors. I asked to speak with the mgr. I was asked to have a seat as the mgr. called the teller supervisor to talk with me about " the incident '', so they were obviously aware that something had happened with my acct. I was told that the teller shredded my withdrawl slip, this was not true, there is a scanned copy in my online acct. The teller then made up a XXXX slip and signed it, then debited my acct a XXXX time. The Mgr and the Supervisor both admitted knowing this but did nothing about the additional money being taken out of my acct. I asked if being off balance by {$4500.00} at the end of the day was just normal practice and was greeted by blank stares. They agreed to put the {$4500.00} back into my acct and would cover all fees charged to me by their bank but could do nothing about fees charged me by the " other end '' ie all the bounced checks they were responsible for causing. About {$240.00} was credited back to my acct by the bank. I have to say that once I showed them what they had done, they offered no apologies or even a good excuse. Neither the Mgr. Or Teller Supervisor would admit any responsibility and treated me like I was robbing the bank. 
I just received a returned payment charge this morning caused by this incident. I am going back to the bank this morning to discuss this. This has caused me a great deal of stress and inconvenience and now I 'm sure my credit worthiness is being affected. I am purely a victim if either incompetence, ignorance or maybe even criminal activity, and at very least my credit standing has been damaged. When I asked the Mgr if there was anyone above her that I could talk with she ignored me. She did not tell me bye, she did not apologize, she refused to even make eye contact ... ...
Consumer complaint received 2015-03-20
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: Neon Newco Corporation (GA)

I received an unsolicited XXXX debit card in the mail from " netSpend. ", associated with " XXXX '' - shown in the documents sent with this unsolicited card. 
I have never heard of this company or bank, have never done business with them, and certainly do not accept any unsolicited credit/debit issues. 
Offers of this type can cause serious financial damage if intercepted by a crook.
Consumer complaint received 2015-04-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (CA)

All XXXX credit reporting companies, XXXX, XXXX, equifax ALL created a new credit history file for me when I changed my name. My SSN remained the same. I am a XXXX woman and I was having trouble getting credit after my XXXX. When I looked into it I found that all of the credit reporting companies had XXXX files for me. XXXX under my old name and XXXX under my current legal name. I am still in the process of getting this corrected, which means having them merge the XXXX files. They had instructed me to ask all of my old CC and bank loan companies to re-report the information with my corrected name. The ones that would, did but, it STILL did n't show up on my credit report. The merging of the XXXX files for each credit reporting company is where I am now. It has been a HUGE time consuming process. Many days worth of time spent on the phone to correct this issue which NEVER should have happened XXXX. XXXX they should have just started reporting my new name and new credit cards as part of my existing record based on my social security number. If I had an issue with it, i.e. if someone else had this happen they would see it on their credit report and dispute it. So, why is n't this the default? Being a XXXX person in this society is hard enough. Why do we have to start our credit history all over when we are just trying to live as ourselves. I do n't think most XXXX people would go through the long wait times on the phone and the getting run around ... when they have XXXX records that should just get merged. If I had n't had credit monitoring from before my name change and after I do n't think I would have noticed what was going on ... well not as fast. ALSO, regardless if someone is a XXXX. If someone starts using another person 's SSN with whatever name they want, they can build a credit history. So, this is making it easy for someone to create a fake identity / life. 
Please see about getting the credit reporting companies policy changed with regards to SSN and names. 
Thank you. 
A XXXX year old XXXX XXXX with 12 years credit history from when I was a XXXX and 2 years as a XXXX. Once my files are merged I will finally all 14 years of credit history that I deserve.
Consumer complaint received 2015-05-15
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: CITIBANK, N.A. (CA)

A man, XXXX XXXX, left a message on my voicemail claiming he was trying to locate me with a legal summons for a lawsuit. He left me the number of this company to contact in regards to this case. I called the number he provided where I was told I was being accused of defrauding XXXX XXXX for a credit card I had issued back in 2000. They were suing me for over $ XXXX.They claim Citibank bought the debt and they were now demanding their money. I am not sure that this is a valid debt. I have not received any collection notice from this company as of yet, just this phone call. I contacted my attorney and she researched our local county court calendar. She can not find a court date for this hearing. At this point she feels as though this is a scam of some sort and recommended I report it to the authorities. I am also concerned because these people do have at least the last XXXX numbers of my social security number.
Consumer complaint received 2015-12-03
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

I am a Chase Business account holder. I sent money to a company for a service that was not completed through their " Chase Quick Pay '' system. I called Chase bank numerous times and spoke with senior support representatives only to be repeatedly told that they could not offer any protections for electronic money transfer. This is unacceptable, consumers need to have some sort of recourse in the event of fraud.
Consumer complaint received 2015-08-07
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

My XXXX is not working with me to find a solution for my situation. Just giving me run around. I am trapped and do not know what to do. I applied for modification several times and they have never given me a valid reason. This time, I got this letter saying that I have reached maximum number of modifications. I do n't know what it means and they are not willing provide any proof of their statement or clarify it. They are making up fake reasons while adding all kind of fees on my account making it impossible for me to keep my home.
Consumer complaint received 2015-08-11
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

I asked them not to call me they told me that all they will do is put a 14 day hold on the account and then continue the calls and that the only way for them to not call me was in writing. They also said that they sent out a letter for a settlement that i had not received due to not living at that address i asked them to honor the settlement but they refused due to not having in their system that i moved. He told me that he would be able to over ride the system to approve the settlement but only if it showed bad address but their system didnt even though i explained to them i moved 3 years ago.
Consumer complaint received 2015-03-20
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: HSBC NORTH AMERICA HOLDINGS INC. (IN)

This was a secured card with a credit limit of XXXX which was not used. However after the card was closed now they 're reporting an outstanding balance that I do not owe. It was my money that originally secured the credit card.
Consumer complaint received 2015-04-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

As I am reviewing my credit report I see some items that are not mine. I 've never lived in XXXX and notice some credit information which I have created a police report in XXXX around XX/XX/2005. I also see some items involving XXXX and XXXX which are not mine as well. I will.like this matter investigated and cleared from my credit report. 
My contact is XXXX XXXX XXXX
Consumer complaint received 2015-03-20
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: United Debt Holdings, LLC (TN)

I was called by a blocked number today. The guy told me he was going to come to my work tomorrow to " serve '' me. He said he just wanted to give me the heads up. Obviously, this shocked me. I asked him what charges and from whom. He said he could not tell me that, but he could give me the party 's number ( XXXX ) and my case number. I immediately called the number he gave me. It was XXXX XXXX XXXX. My " case manager '' ( XXXX XXXX ) says I owe them {$2900.00} from a XXXX XXXX XXXX loan I got on XXXX/XXXX/12. XXXX said that if I did not resolve this today, I would be served by the guy that originally called me, who would be accompanied by a uniformed officer and that my boss would also have to sign the papers. I asked why they were coming to my work. He told me that they would try my house first, but if they failed to find me there, they would go to my work. I asked when they were planning on doing this. He said between XXXX and XXXX tomorrow. He told me I could face up to 1 year in jail and have to pay an additional {$1000.00} penalty because they are charging me with check fraud under section XXXX of some law. I asked him if I could get a copy of the application from the original debtor and he said no, stating that the application was to be used against me in court. I told him I was going to need to call him back, because I was at work and a bit in shock from what he was saying. He said he would be able to give me until XXXX to call him back, or he would move forward with these charges and he gave me his extension ( XXXX ). After getting off the phone with him, I called XXXX XXXX XXXX to verify this debt. They said they sold my debt to UDH, but UDH is known for allowing other debtors collect on their behalf. She said many times, these are scams and get people to pay way more than what they actually owe. I was on the phone with her for a long time while she tried to find this company and/or anything about XXXX XXXX. The only thing she found said that they had their license revoked a few years ago. She was very sweet and reassured me that I was not going to jail and that she would contact UDH to notify them of this situation. She also gave me UDH 's number to follow up with them myself. I called UDH, but they were closed and the voice recording asked me to leave my phone number and my full social security number.. umm, no thanks! I then called XXXX XXXX back at XXXX XXXX XXXX ( at XXXX ). XXXX did n't answer. I left him 2 voice mails from XXXX to XXXX. NO CALL BACK!! Now, I have to go to work tomorrow in fear that a cop and some guy will show up to serve me, to publicly humiliate me and/or threaten me with more scary tactics like " jail time '' and " XXXX in penalties ''.
Consumer complaint received 2015-05-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (GA)

I 've attached a PDF that explains what I 've attempted to have removed from the XXXX credit bureaus. My XXXX frustration and complaint is the inconsistency of reporting between the XXXX bureaus.My XXXX frustration and complaint is the inability to remove someone else 's public record ( Judgement ) that is on XXXX of XXXX of my reports. My final frustration and complaint is the fact that there are multiple levels of credit reporting and scoring ( consumer and industry ) that are only available to industries such as Mortgage, Credit Cards, and Auto. These industry level credit reports vary greatly from the consumer reporting and scoring. And they are fraught with errors greater than the consumer reports. In my case the mortgage credit report has scores 25 % lower than my consumer report and the XXXX public records on my consumer report are duplicated to show XXXX public records on the mortgage report. XXXX has someone else 's address and refuses to correct it to my address and they have XXXX public records that have {$0.00} as the amount ... yet they refuse to remove. These public records are explained in the PDF I 've uploaded to you and they need to be removed ASAP. XXXX has removed the judgement XXXX XXXX of XXXX public records ). Experian also refuses to remove the XXXX public records. The only good news is that on my consumer reports a XXXX lien of {$120.00} was removed by all three consumer reports BUT is present on my Mortgage report ( All XXXX Bureaus ). In other words, the XXXX bureaus remove the {$120.00} lien that was in error, but kept them on the mortgage reporting and scoring!! So, in conclusion I see no purpose or value to the consumer reporting and scoring since the lenders, be it auto, mortgage or credit card, have significantly different scores and reports from the same XXXX bureaus ... and removing from the consumer products does n't guarantee removal from the industry product. This is so unfair on every level. And the consumer has no access or ability to contest or correct the industry level credit reports or scores!! Government needs to simplify and create an oversight department that governs them and keeps them honest. Please read my PDF and help me. After 37 years as a XXXX I 'm prohibited from getting a mortgage due to errors on my consumer reports and inequalities with errors on my industry reports with with only foreigners and non-US citizen to deal with over the phone and via mail/fax. That 's the strangest twist of this entire story. People outside of the USA are making decisions for US Citizen 's credit woes!!!!
Consumer complaint received 2015-12-03
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: SCOTTRADE BANK (CA)

helloI need your help.. 
I had checking account with Scottrade bank. On XXXX 2014, i saw some usual transaction from my account so i called in and filed dispute on those transaction, it was around {$1000.00}. then later on bank send me a letter saying they denied dispute and they took the money from my account. and i found out my sister used it, i gave her card number in case of emergency. so i did n't bother to call bank again and totally forgot about it. till last week, i was checking my credit score since i am applying job, I found i have XXXX collection against me. so i called in and found out this collection was for that dispute i filed last year. so i explained to them this fund is paid, bank took money from my account and release the fund to merchant. I called in the bank and tried to get the statement so i can show the collection agency. Bank put me hold forever and told me they need to do some investigation and need to call me back. i said ok. I got the phone call 2 days later, they said they are really sorry, and they did n't realize they still have those money with them and they will send XXXX XXXX something dollars check to me today. I asked them how come they kept money more than a year and half and never notify me or merchaint about this, and they said there were some confusion. they should 've let me know but they didnt. I moved last year, and i did n't get the collection notices too. Now i need to pay {$1500.00} after all those late fee and interest charges in order to remove the collection from my credit report because they were confused and forgot the notify me that they did n't release the fund to merchant and or me. and accusing me it is my fault originally because i filed dispute. i am so frustrated why it is my fault. they probably kept the money forever if i did n't find out. i do n't understand how can bank make this kind of mistake. its not XXXX cents. it is over XXXX dollars. they need to take the response and take care of this matter. 
Pls help me.
Consumer complaint received 2015-04-12
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BARRONS MORTGAGE GROUP LTD (VA)

My husband and I applied for a refinance loan with XXXX XXXX from Good Mortgage. He required us to pay out of pocket about {$850.00} to have our home appraised. Good Mortgage selected the appraiser, XXXX XXXX. In his appraisal, he made several factual errors, and his valuation of {$500000.00} is at least {$50000.00} lower than comparable market values we received. As a result of the low valuation, our refinance application was declined. Both my husband and I have excellent credit, have been steadily employed and our debt-to-loan ratio is acceptable. The valuation is the only element of our application that prevented us from refinancing our home. We sent a response to Good Mortgage, pointing our the errors in the appraisal and other issues that we had with the appraiser 's valuation. [ Please note that I also recently noticed that the appraiser excluded the XXXX and XXXX of the XXXX bathrooms in his appraisal. These inaccuracies should also be addressed in a corrected appraisal. ] The loan officer responded that the 'appraiser will not budge. ' We requested to see the response that he had received from the appraiser, but the loan officer refused to provide it to us. We feel that the appraisal should have been reassigned if the appraiser refused to correct the inaccuracies. The ordeal has cost us both time and money, and we may not be able to keep this property as a result.
Consumer complaint received 2015-11-03
Product: Consumer Loan — Title loan
Issue: Applied for loan/did not receive money — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (CA)

I received in my mail a pre-qualified offer from Springleaf Financial Services ( see copy attached ) based on my excellent payment history and current lines of credit with that lender. XXXX XXXX was the original lender. XXXX sold my lines of credit to Springleaf several years ago. Today, after I agreed to Springleaf 's pre-qualified offer, Springfield denied me the loan, even though I qualified according to the representative who took my information. This resulted in a denial of credit that negatively impacts my credit report.
Consumer complaint received 2015-12-03
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Financial Corporation of America (FL)

In XX/XX/XXXX I filed a complaint against this company and they responded by stating the following : '' Financial Corporation of America shows no open inventory or credit reporting under your name or social security number ''. 

Again I submit my complaint ... In XX/XX/XXXX my personal information was compromised when my car was broken into and my handbag stolen. Since XX/XX/XXXX a series of accounts have been opened using my personal information this has caused my once great credit to plummet to zero. Over the past 18 months I have had creditors collections agents harass me for balance owed to accounts that I know nothing about and my credit is non-existent and my hopes of purchasing a home is in jeopardy because of I am a victim of Identity theft.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (IN)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2015-04-10
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BROKER SOLUTIONS, INC. (CO)

I am trying to refinance my mortgage with another provider but because my current mortgage company switched servicers from a third party to in-house, they have stopped reporting to the credit agencies. They have not reported since XXXX 2015 and will not start again until XXXX 2015. They told me they wo n't report until XXXX but I am trying to refinance now. The credit agencies are reflecting my credit score as XXXX without a mortgage. Because of this, my score is lower. Because of the lower score ( XXXX without a mortgage ) I ca n't get the program I need to get a lower rate.