davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HUNTINGTON NATIONAL BANK, THE (PA)

I ordered 2 XXXX XXXX products online from a company named 'XXXX XXXX '. The ad offered that you pay shipping and handling only for {$4.00}. My bank account shows that on XX/XX/XXXX I was charged {$4.00} for 'XXXX XXXX XXXX ' and on XX/XX/XXXX I was charged {$4.00} for 'XXXX XXXX XXXX XXXX '. Both of these were taken from my debit card. On Friday, XX/XX/XXXX I went online to check my account and seen that they again charged me {$80.00} for 'XXXX XXXX XXXX ' and {$83.00} for XXXX XXXX XXXX XXXX ' on XX/XX/XXXX. I immediately contacted them. The first person I spoke with told me she 'could not locate ' my account and would call me back. No call came, so 3 hours later I called again and spoke to another individual who found my account immediately and then she advised me that I could not get a refund. She advised that I had 2 weeks to contact them or I would be charged, I knew of no such thing. She hung up on me at some point. I called back 2 more times to try to talk to someone and they both hung up on me. I have filed a dispute with my bank, Huntington Bank - they say it will take 45 to 90 days to get the dispute processed. I am guessing that it may have stated this in very very small print somewhere. But, although that is still wrong - it still was not a full 2 weeks before they pulled money from my account. I have cancelled the card with my bank as well.
Consumer complaint received 2017-07-03
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: Experian Information Solutions Inc. (PA)

I applied for a mortgage and found some incorrect information being reported about an old auto loan through XXXX XXXX. I have disputed the incorrect information and sent additional documentation multiple times regarding the account. XXXX deleted the information when i first sent the documentation. I have since disputed the account with XXXX and Experian 4 more times with no changes to the account at all. They are reporting an incorrect balance and i have sent them proof of this. I even asked for their method of verification to which they did not provide or do a reasonable investigation. This is my last chance to resolve this incorrect info before turning it over to my local consumer protection attorney to file an FCRA lawsuit against XXXX, Experian and XXXX XXXX.
Consumer complaint received 2017-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I have contacted Transunion by telephone and by mail on five occasions. I have an active fraud alert and credit freeze on my credit report, however ; inquiries and unsolicited credit offers continue to occur. I was told by Transunion that I must have a police report to remove fraudulent inquiries that I did not authorize. As a credit reporting agency, Transunion should not provide a copy of my credit report without my consent to creditors unless i have an existing relationship with them. The following inquiries were not authorized by my and I demand that they are removed. I believe that Transunion is discriminating against me based on my gender and ethnicity. I provided Transunion with dates and the name of each company. I did not authorize these inquiries. <P/>XXXX XXXX XXXX VIA XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX VIA XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX VIA XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX
Consumer complaint received 2018-04-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Neon Newco Corporation (CA)

So I have worked seasonal at XXXX last XX/XX/XXXX. I've worked there seasonal employment for past three years. And this year was first time I had any issue with payments to XXXX XXXX and Netspend. I noticed my paycheck was added to the card every payday but that i didn't increase balance in which I knew the issue needed to be addressed. I found this out in XX/XX/XXXX but like everyone else attached to this lawsuit I began to question my own issues the morals ingrained in your mind. So I requested a copy of my statement from XX/XX/XXXX to XX/XX/XXXX but I never got one. I kept getting the run around with bogus reason to justify their denial. And so I just felt nothing was fairly represented and to just help in considering certain issues. Without deceiptive business practices and obtaining a certain level of trust.
Consumer complaint received 2017-07-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: U.S. BANCORP (CA)

I deposit {$170.00} cash into a U.S. Bank to fill an XXXX Checking account. The machine prints out a ticket instead stating " A machine error has occurred and we are unable to credit your account or return some of the items you attempted to deposit. Please contac ... ''. <P/>So I contact, the woman from U.S. Customer service totally denies responsibility on the machines, and tells me to call my bank. <P/>I call XXXX, and they say, nothing we can do, call the ATM Bank. <P/>This is where I am right now. <P/>The exchanges above and their quickness to throw blame to the next one over was literally that quick. First things they said. <P/>I am complaining, because, at least one entity in this charade should care to return that money to me. <P/>I have the ticket. The code on the top right is XXXX The number to call is XXXX. <P/>Thanks so much. I hope to get this money back. XXXX
Consumer complaint received 2017-07-03
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (FL)

Six accounts were open in a similar to mine. My name is XXXX XXXX. The accounts are in the name of XXXX XXXX XXXX. XXXX XXXX open up the following account that are fraudulent. XXXX XXXX XXXX XXXX XXXX XXXX Walmart, XXXX XXXX and XXXX XXXX. This is affecting my consumer report and would like them to be removed. Synchrony sent me a letter letting me know do to fraudlent account they would be closing the accounts above.
Consumer complaint received 2017-07-04
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: U.S. BANCORP (PA)

This is now my FOURTH complaint regarding ELAN. First, the account was believed to have been applied for fraudulently and an identity theft complaint was filed. Second, there was no recollection of the account at all - resolved in that it was previously under another name ( XXXX ). Third complaint was that I never had possession of actual credit cards to be used for purchases. The response to this was that there were purchases made in my name. I do n't know how else to get through to ELAN that I have never been to any of the places where airline tickets were purchased for etc. I DID NOT make these charges. The statements that they sent also show payments which I also DID NOT make. To complicate matters, they have assigned an investigator at ELAN who I can NEVER get a hold of. These are n't my charges, payments or account after the initial charges only to XXXX XXXX XXXX prior to XXXX. I am livid that I ca n't explain to a person what I have described above. US Bank is just using big bank tactics to harm me and my credit. And in doing so is costing me more money and more time. I do n't know what to do to get this off of my credit report. Perhaps I should do a press release about US BANK. That probably would n't get through to them either.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my complaint.
Consumer complaint received 2017-07-03
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 — Problem with personal statement of dispute
Company: Santander Consumer USA Holdings Inc. (GA)

I called for an extension on my car loan in XXXX 2016 and was given false misleading and the incorrection procedures. <P/>I am in receipt of your response on the CFPB portal stating that my dispute of items in my credit report was Denied. I am upset that Chrysler Capital would try such a blatant stall tactic. I am demanding that you reinvestigate my credit file under the Fair Credit Reporting Act Section 611 [ 15 USC 1681I ]. You have no way to ascertain the legitimacy of my action without investigating the items in question. <P/>1. Your representative never told me about an email if I was told when I didnt receive this email I would have called back. <P/>2. Your rep stated that you emailed a jmoore email address. I dont have an email address that starts with jmoore YOUR REP ADMITTED THIS FAULT ON YOUR END!! THIS IS YOUR ERROR! <P/>3. You state that you report information accurately then you state that you are not a credit reporting agency and that you have no control over the contents reported by the CBA, this makes NO since its clearly states that you are reporting me late for something that Is CHRYLERS ERROR! Again you are at fault because I was given False and misleading information and now you are FALSELY REPORTING THAT I WAS 30 DAYS for these months AND It 's NOT TRUE! My mother is XXXX XXXX XXXX XXXX, and you are causing me great heartache over something that is not my fault. At this point, I am highly upset about your dishonest business practices Additional stall tactics on the part of your organization will be reported to the Federal Trade Commission.
Consumer complaint received 2017-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (MN)

In XXXX 2016, XXXX XXXX closed all my checking and savings accounts and my credit cards because of financial fraud. I have not been able to get ready reserve accounts on new checking accounts because of fraud alerts and security freezes on each of my credit reports : XXXX, XXXX and experion. <P/>I have called each credit bureau and submitted formal written letters asking that all fraud alerts and security freezes be lifted from each credit report. I get no response other than new credit reports sent in the mail. <P/>Requested Action. <P/>Please contact each of the credit bureaus to remove ALL fraud alerts and security freezes so that my XXXX XXXX can get information for my ready reserve applications. My XXXX XXXX has applies five times and can not get credit information to approve my application for new reserve accounts.
Consumer complaint received 2017-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (MN)

In XX/XX/XXXX 2016 XXXX XXXX closed all my checking and savings accounts and credit cards because of financial fraud. I have not been able to get ready reserve accounts on new checking accounts because of fraud alerts, security freezes on each of my credit reports : XXXX, XXXX and Experian. <P/>I have called each credit bureau, submitted formal written letters asking that all fraud alerts and security freezes be lifted from each credit report. I get no response other than new credit reports sent in the mail. <P/>Requested Action : Please contact each of the credit bureaus to remove ALL fraud alerts and security freeze notices so that my XXXX XXXX can get credit information for my ready reserve applications. My XXXX XXXX has applied five times and can not get credit information to approve my application for new reserve accounts.
Consumer complaint received 2017-07-03
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. (PA)

I had applied for a mortgage and found out that XXXX XXXX XXXX was reporting a collection account for a XXXX XXXX credit card debt. I have NEVER had an account with XXXX XXXX ever. I have disputed this account with all 3 credit bureaus over 4 times now as well as with XXXX XXXX. I have sent certified letters asking for proof of this alleged debt and all they have sent me was a couple of XXXX XXXX statements not showing anything that was actually purchased. The balances on the statements they sent me do NOT match what they are reporting to the credit bureaus either. I am filing this complaint against TransuinoXXXX XXXX, XXXX and XXXX XXXX. This is my last effort to resolve this erroneous account before i send this to my consumer protection attorney to sue them for FCRA, FCBA, FACTA and FDCPA violations.
Consumer complaint received 2018-04-16
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: EQUIFAX, INC. (FL)

It comes to my attention that your company has placed erroneous information on my credit file. I am lost for words on why your company would attempt to do something like this. It appears to me that your professionalism is by far professional in anyway. I have been in contact with your company for at least a year. I have never called to dispute any information on the phone. I have sent certified internal dispute letters and affidavits consistently. Never received nothing more than silence and the lack of reply during this time shows me the only way to attack this situation where I am accused of owing these debts that your company placed on my file as errors is to contact the FTC which I have filed a complaint, file a suit and a hearing is dated in XXXX of 2018. I have spoken to my lawyer and the best thing for me to do was allow him to continue dealing with your company until the hearing and court date. I have tried to find many ways to contact you by mail and online but I didnt receive any reply and its been a month. I am fed up and filed with anger. 
I have attached the errors on inquiries and accounts. Please take a look at the attachments. If you decide to contact me by email I will be forwarding all information to my lawyer from this point on.
Consumer complaint received 2018-04-14
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: RoundPoint Mortgage Servicing LLC (TN)

RoundPoint still did not address my issue as to why I could not log into my account on XX/XX/XXXX to pay the {$5000.00} that I had toward my mortgage payment not could I pay it over the phone. The representative on Saturday XX/XX/XXXX told me that he could see where I was trying to pay it and was not allowed to do so. My mortgage would not be in foreclosure could I have logged into my account on XX/XX/XXXX. I need an explanation. 

I tried prior to midnight several times over the phone and on the internet, check the records because I have my phone records as well as proof that I tried on the internet therefore, WHY WAS I NOT ABLE TO PAY IT USING THESE 2 AVENUES. Check your records, I have been paying via internet the last several payments that were made.
Consumer complaint received 2017-07-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: WELLS FARGO & COMPANY (IN)

Acct :  XXXX   XXXX   XXXX   XXXX  Payment was iniatted and completed o n  XX/XX/XXXX .    XXXX  Internal transfer occurred in approx.   XX/XX/XXXX  Auto paym ents were disabled, due to unkown reasons.   XXXX  Customer,  XXXX   XXXX , reported difficulties making payments.   XXXX  Other payment attempted for varying amounts but were not successful. We believe that  this may be a  wells fargo system issue. Attempts to clarify with Wells Fargo were non-conclusive to date.   XXXX  Currently, the account is is collections and has adversely affected th e credit score of both the owner (   XXXX   XXXX   ) and the guarantor (   XXXX   XXXX   ).
Consumer complaint received 2018-04-14
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: Experian Information Solutions Inc. (FL)

On XX/XX/XXXX and XX/XX/XXXX your bank made an inquiry on my account in which the inquiry wasn't removed from my Experian report as of yet. I did npt make this inquiry and I want this inquiry removed
Consumer complaint received 2017-07-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: V and H Portfolio (GA)

Recently checked my credit report and noticed 3 debt items from Vance Huffman for XXXX XXXX totaling over {$9000.00}. Despite my address being accurately reported by all three credit reporting agencies, this company never sent me notification of the debt nor did they ever provide me with written notification of my right to dispute the debt and/or request validation and verification. Furthermore, this debt was previously held by XXXX XXXX XXXX which I disputed and the original creditor agreed that this was not my debt and removed it from all credit reports. This is the second time this debt has appeared on my credit reports under different names. Again, this is not my debt and the collection agency never informed me of the same nor allowed me my legal opportunity to dispute it.
Consumer complaint received 2018-04-15
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NEW CITY FUNDING CORP. (MA)

NEW CITY FUNDING KEEPS PUTTING THIS ON MY REPORT WHEN THIS WAS MY MOTHERS CAR. At the time she got this car I had my permit, and I never agreed to be a co signer I agreed on being someone they will call if she doesnt pay her bill. I just got my liscense in XX/XX/2018 this car was taking out a year before that, Ive contacted them multiple times telling them this and they tell me theirs nothing I can do but take my mom to court and Im telling them I never signed any documents and even so I didnt have my liscense so how could I be a co buyer. What further action can I take now becaus this isnt my responsibility and its affecting my credit!
Consumer complaint received 2018-05-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (NY)

I received a phone call on my work cell phone number which I have previously written, and Ditech acknowledge not to write or call on my phone number because of the nature of my business. Phones during the day can be a interruption especially due to the nature of my job and I had told them not to contact on this number. BUT today Ditech started their harassment ways again. I was contacted by a XXXX who works for XXXX who stated that he wants to speak to me and I asked him who he was and he said he was from Ditech. I told him that I have a cease and desist on my account and I provided other methods to contact me. I receive all their notices and they must send me at least 3 certified letters telling me how much I owe as well as threats to foreclose. I dont know why they need to call me on my cell phone, to tell me what I owe. I ask to speak to a Supervisor and an XXXX came on the phone. She then tried to tell me that since I applied for a modification that the cease and desist order did not apply since 2017. I told her I just asked for the modification not relinquishing my rights for communication. If a modification will be given then they can send my a letter, which I always get and I will get back to Ditech reps. This company is also calling my ex-wife harrassing her and telling her about my mortgage account, which is totally illegal. She is also considering bringing legal action for harrassment. From what I was told from my attorney, she on the property but not on the account and have no business knowing any information about my debt. That's illegal. She is not on the note.
Consumer complaint received 2018-05-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (GA)

I have Chase XXXX Rewards Club Select Credit Card since XX/XX/XXXX. Every XX/XX/XXXX Chase charges me for the annual fee of the credit card and a free night certificate is issued to my online XXXX account that can be used on any XXXX properties.

This year I was charged the annual fee in XX/XX/XXXX as usual and I paid off my bill on time. But the free night certificate is not yet to come to my account. My account is always in good standings. I waited until XX/XX/XXXX and then reached out to Chase via secure message on XX/XX/XXXX about this issue. Chase replied back that I needed to contact XXXX Rewards Club. 

On XX/XX/XXXX, I called XXXX for this issue. During the same call I was transferred back and forth between Chase and XXXX for 5 times and the last agent from Chase was very rude saying that I was not qualified for the free night reward this year and hung up the phone. I spent over 70 minutes for this call and the issue was solved.
Consumer complaint received 2018-05-23
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (NC)

Chase Mortgage sold my mortgage to XXXX XXXX, prior to the sale. My principal balance was {$84000.00}. In fact, I had received a statement from Chase for that amount. 

Chase allegedly claims a Subprime Mortgage was done, I never agreed to the terms or a Sub Prime Mortgage, I was applying for the HARP Program, since Chase is a Bank, the Federal Government gave Chase Millions of dollars to help home owners with upside down  mortgages hit by the Real Estate Bubble of XX/XX/XXXX, I was one of those clients. Chase initially gave me a 36 months military payment plan of 1 percent at {$460.00} a month. Later, Chase sold my mortgage to XXXX XXXX for {$240000.00}. Now, XXXX XXXX is planning to foreclose on the Property on XX/XX/XXXX if the amount of over {$20000.00} dollars is not cured by then. 

The other issue, is I was in Bankruptcy and when the Mortgage was released from the Stay. XXXX XXXX added all the late fees and charges. 

This is the same Sub Prime Mortgage Scam Chase Mortgage was fined for XXXX XXXX dollars. 

I need the Consumer Protection Financial Bureau to investigate this matter on Chase as soon as possible and communicate to Select Portfolio of this wrong doing to avoid the Foreclosure date. 

Chase mortgage XXXX Loan number : XXXX