davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-03
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Confusing or missing disclosures — 
Company: U.S. BANCORP (OH)

On XXXX XXXX I opened a XXXX  account which I used for my business and savings. 
And it was closed on XX/XX/2023. 
And then XXXX sent a check over on XX/XX/2023 and usbank cashed out the check on XXXX XXXX. 
I then opened an account with usbank after receiving the check on XX/XX/2023 I had to wait till XX/XX/2023 before the money was available and then when I tried to do a wire from my money usbank closed the account and promised to send me a cashier check after 15 days and then its been 35days and usbank have refused to give me my money or send me a check and they keep saying the check from XXXX was fake. 
I had to contact XXXX and they sent me an official letter and instructed me to ask usbank to contact them for confirmation which I told usbank but they refuse to contact XXXX and kept saying my check is fake and they have seized my {$58000.00} They sent XXXX XXXX  statement and it clearly showed that my money is in the account but they refuse me access to it so please help me I want my money or a cashier check Down there is the check slip from usbank
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

A hard inquiry has been on my account since XX/XX/2022 from Kohls and I dont recognize it and I believe it impacted my score and dropped it and it shouldnt be on my credit report I have never used any credit cards from kohls or anything.
Consumer complaint received 2020-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (GA)

US BKPT CT GA XXXX # XXXX LEXISNEXIS IS IN VIOLATION OF 15 USC 1681 ( a ) ( 4 ) They Infringed upon my right to privacy as a consumer.

( a ) Accuracy and fairness of credit reportingThe Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

LEXISNEXIS IS IN VIOLATION OF 15 USC 1681b. ( a ) ( 2 ) I never gave them written consent to furnish this information. There is no such thing as public information a consumer has a right to privacy. 

a ) In generalSubject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. 
( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Consumer complaint received 2023-09-04
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX ; XXXX  XXXX XXXX  Balance : {$540.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX ) XXXX  Balance : {$590.00} ; XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$640.00} ; XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX  Balance : {$810.00} ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX.
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

Hi, Trans Union is reporting incorrectly, the acct. from XXXX XXXX XXXX XXXX XXXX XXXX It is reporting paid as agreed, & it's in good standing & open, how ever, their system is reporting it as closed & my score dropped XXXX points! This is a huge deal for me because I am working hard on my credit the last few years to buy my 1st home & earlier this year I was in a car accident, ( not my fault ) & my car was totaled & now I need a new car too. Plus, We are going through a family tragedy My older brother just died XX/XX/XXXX, I have to reach my goals more than ever, to help his family. So, building my credit is more essential than ever & I was close to my goals. Then this error of reporting from XXXX made my score go down & it's devastating, when I need it to go up XXXX points, not down! Trans Union can see I recently been paying down my balances & only negative I have on my credit report is that some of my accounts balances are high & that is due to Covid & then the XXXX XXXX  being out of work for XXXX. I talked to XXXX XXXX & the account should be reporting open with restriction because of the hardship program ( which is over now ) ( not closed ) & also should say paid as agreed. Online I have got alerts the account status has changed & also it is closed, their computerized A.I system registered the data & info as a closed account & that makes my credit drop! AGAIN THIS IS NOT ACCURATE! I don't know if it was an error on XXXX XXXX XXXX end but when I talk to them they said it shouldn't be reported as closed. IT IS OPENED! 
I appreciate if Trans Union can give detail info. in the future when changes are made, scores up or down, details on why! I was planning on upgrading my membership but I will not now because Trans Union is failing to provide the services I deserve. There is NO way my score should of dropped & I appreciate if they update this account as open & paid as agreed & give me my XXXX points back. THANK YOU!
Consumer complaint received 2023-09-04
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. (CA)

This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. Please delete these accounts ASAP.
Consumer complaint received 2023-12-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER HOLDINGS USA, INC. (FL)

My cell phone was stolen while the phone was unlocked and the thief was able to access my apps, including my emails which had proof of my social security number. That same night, I noticed various fraudulent charges on both my checking account and credit card due to my accounts being linked to certain apps on my cell phone, such as XXXX, XXXX, XXXX, and my mobile banking app. Also, an XXXX credit card was opened under my name with a balance of roughly {$600.00}. The most significant charges were two separate XXXX transfers out of my checking account for {$1500.00} and {$1000.00}. I called the Bank ( Santander ) the following business day to communicate my issue and file a fraud claim. The Bank accepted my fraud claim on all other transactions ( XXXX, XXXX, XXXX ) ; however, they denied my claim for the two XXXX transactions totaling in {$2500.00} of lost money even though the explanation I gave for the claim was the same. This shows inconsistency in their fraud review and only leads me to believe that the XXXX claim was denied since it was of higher value. I provided the Bank with supporting documentation making it obvious that the phone was stolen including a police report, email communication with police, an identity theft report, and screenshots of the fraudulent XXXX and rideshare ( XXXX XXXX charges. I also offered to provide a receipt to show that I purchased a new phone, but was told this wasn't needed. I have filed fraud claims with all companies involved in these transactions ( XXXX XXXX and XXXX to dispute the XXXX XXXX XXXX XXXXXXXX, XXXX ) and all of the companies accepted my claim concluding that these transactions were clearly fraudulent. However, I have had issues with retaining my stolen funds from the XXXX transactions from Santander Bank, even though as I mentioned previously they accepted my claim relating to other transactions that occurred as a result of my cell phone being stolen. Due to this, I have reason to believe the Bank is in violation of Regulation E, and as a consumer I should have protections against unauthorized transactions on my account. It has now been 3 months that I have been dealing with this with no resolution when this should have been an open and shut, straightforward case. Santander has not been helpful at all throughout this process and has only put up roadblocks because they do not want to pay the money that was stolen from my account. I am a former employee of the Bank and have been a longtime customer and am severely disappointed in how I've treated throughout this process from a customer service standpoint. I would not recommend anyone bank with them given the way they treat their customers and lack of resolution in dealing with difficult issues.
Consumer complaint received 2020-04-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (TX)

I went to the BB & T at XXXX XXXX XXXX, XXXX, TX XXXX to make a wire transfer of {$5400.00} to an auto auction I bought a car from. The manager said that I wouldn't be able to make the wire transfer because I have 2 pending wire transfers on the account. I told him that I authorised those and that one was for my wife 's car and one was for a car title. I told him that I have more than enough money to proceed with this wire transfer but he said he will get an approval before doing so. A few minutes later, he called and asked if I was using my personal account to do a business, which I told him no. The cars I'm buying are personal cars for my wife and for myself. The car I use now is a rented car and same as my wife. After about 10 minutes, he called to tell me that my account is locked because of the XXXX transactions I have on my account. I told him that the reason is absurd because I made those XXXX transactions myself. The only XXXX transaction I received were 2 transactions from MY XXXX BALANCE which I offered to show him proof and that it was from my balance and from a friend I trust. He said the XXXX came from a bank and I told him no that it was from a friend who sent it to me today and I transferred to my balance. He insisted that the XXXX transactions are fraudulent and because of that my account would be locked while it is being reviewed. I got angry and told him I wanted a check with my money immediately, even if it meant closing my bank account as I have urgent need for my money. I need to pay for a car as I'm currently renting the car I have right now and the engine is already faulty. After going back and forth, he insisted that my account will remain locked for as long as they like until they review the transactions. This is unfair to me and I want my money back immediately.
Consumer complaint received 2020-04-17
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (GA)

Around XXXX  XX/XX/2020 I looked up interest rates at wells fargo who holds my mortgage and saw the rates for a refi 15 year 2.50 % - 2.645 apr my current rate 3.75 % so I felt it was worth it. I get quoted a totally different rate over 4 % in my application so confused i reached out and I was told i recieved this rate because my credit score was below 700 which was not true and I stated such All my scores were well above 700 So I then to complain in writing and after sending in a complaint and have gotten no response
Consumer complaint received 2020-04-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020
Consumer complaint received 2022-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TN)

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

15 US C 1681 Section 602 A states I have a right to privacy.

15 US C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-09-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Home Point Financial Corporation (TX)

This is the 4th time my home mortgage has been transferred to another company within 3 years. The amount of times I had to create a new log in and handle changing payment set up is tedious and troublesome. 

On top of that, the effective date of the recent loan transfer from Home Point Financial Corporation to XXXX by XXXX XXXX was on XX/XX/2023. That is a Friday on a major holiday weekend. 

I thought I had submitted my mortgage payment for XXXX on time, but I am unsure because I could not find an email or record of submitting it. I tried to verify with my Home Point Financial Corporation online account this weekend, but have been kicked off their system. I have not been able to log in successfully. 

I tried to log in to the new loan servicer, XXXX but their website keeps crashing and is unable to provide more details on previous payments submitted for records from previous mortgage company at this time. 

I am stuck between a rock and a hard place. I have the money for the payment, but I can't verify if I did actually submit a payment. Even if I had not submitted payment before the loan transfer on XX/XX/XXXX,, I can't even submit a payment online through the new loan servicer.
Consumer complaint received 2020-04-17
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Prosper Marketplace, Inc. (IL)

I applied for a loan with prosper last year for the amount of XXXX to do home remodeling. 

After making all of my payments on time, I decided to change my payment due date because of the XXXX and XXXX XXXX  unexpected expenses. 

They agreed to change the date from XX/XX/XXXX to the XX/XX/XXXX the following month. 

They errouniously took the payment out on the XX/XX/XXXX any way after we agreed to change the date to the XX/XX/XXXX. 

The payment caused me to have to pay over draft fees that they refused to reimburse to me. 

I eventually made my payment the next month and they would not waive the fees and they did no honor the skip a payment that we all agreed upon. I do have emails showing proof. 

Therefore they sent my account to a collection agency when it was not ever 30 days past due. 

By any rate I have still made my payments to prosper because I'm not late nor did I sign a contract with any other company. 

As a way of getting back at me and causing me to have bad credit they did not debit the money from my account when I paid my bills on the XX/XX/XXXX and XX/XX/XXXX. on time. For the XXXX debit they took the money out 3 weeks later after I called them to find out what was going on. 

When I checked my credit report they are reporting me as 30 days past due erroneously. 

I tried several times calling and emailing them and they have not returned my call. 

Please assist me in this matter because I feel that they are deceptive loan sharks.
Consumer complaint received 2020-04-17
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (OK)

On XX/XX/XXXX, I found out my old mortgage servicer sold my loan to PHH Mortgage Servicer. When I went to submit my first payment, PHH charged me an extra {$7.00} " Draft Fee '' that I could not avoid. They expect to steal an extra {$2300.00} from me over the life of my mortgage.

I tried to contact them but they had adjusted their customer service hours without any notice to loan holders or mention of their adjusted hours on their VERY outdated website. 

I requested a refund of my {$7.00} and am pursuing a refinance to get away from this terrible company.
Consumer complaint received 2023-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

This XXXX account is reporting without maximum possible accuracy and the proper verification under the FCRA this is my second attempt to remove the following account XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX
Consumer complaint received 2018-10-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: DISCOVER BANK (TX)

On XX/XX/2018 I received a call from my step son stating that there had been a complaint filed against me and I needed to call XXXX I called that # and as given a case # XXXX and was told to call XXXX XXXX XXXX XXXX XXXX AKA XXXX XXXX XXXX XXXX at that time I spoke with a person by the name of XXXX had he stated he was calling on behalf of Discover and that I had a outstanding balance of XXXX and I could clear this up right now for XXXX and he stated that I was mailed this in 60 days ago I told him that I never received it he sated he would resend in, I explained to him that I was on vacation and would like to get home ( XX/XX/18 ) and look into this and he stated no that it had to be resolved right now or further legal action would be taken against me he stated what he could do as a payment arrangement of XXXX for 25 months and the first payment had to be made right than. I did make that payment When I got home on XX/XX/XXXX I did call Discover at XXXX and spoke with Lea and she stated there was no outstanding debt. I than called XXXX XXXX XXXX XXXX and ask for the paperwork be emailed to me and the lady I talked to stated she would email it, what they emailed was a bill .. So I called back and spoke to XXXX and he stated they couldnt resend it out.
Consumer complaint received 2020-04-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (OR)

I buy and sell items on XXXX and use PayPal as my virtual wallet for transactions. I have used this account for about 10 years and it has been in good standing the entire time and is still in good standing. Recently, I had some transactions on XXXX that were normal transactions and Paypal randomly decided to restrict my account without warning holding {$1200.00} in funds in my wallet hostage. Paypal will not give me any explanation as to why the funds have been stolen by Paypal and refuses to allow me to withdraw my funds. 

I have provided all information requested by Paypal but they refuse to respond to me through all available channels. I am attach a printout of all of the ridiculous documentation Paypal keeps asking for that has been provided. There are about 20 documents they have requested at this point, all of which they already had prior to their requests so they were second requests for documents they already had. 

Paypal has stolen my money and will not release it to me. Paypal knows that I am a long time customer and that this is normal activity. 

When I call PayPal they are using COVID-19 as an excuse not to provide customer service but they conveniently have enough people to staff stealing my money yet none to respond to me and fix the issue. It is sad that Paypal is using the death of Americans to make a profit.