davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: FIFTH THIRD FINANCIAL CORPORATION (SC)

My Fifth Third Bank checking account went dormant some time in XX/XX/2024. In XXXX, I sent money from XXXX to that dormant account ( which I was unaware of the status of the account at the time ). Fifth Third Bank accepted the transfer of funds, but is now not allowing me to transfer those funds to another checking account under the same name and with the same bank, until I either make a deposit to the account or show up in person to a branch. Showing up in person is not an option at the moment, the nearest branch is 98.2 miles away from me, and to be forced to deposit more money into my account to unlock it seems unfair, deceptive, and an abusive act by Fifth Third Bank. No where in the terms and conditions does it state that dormant accounts lose the ability to transfer funds, yet Fifth Third Bank is holding my money XXXX. I feel deceived by Fifth Third Bank and I am concerned about Fifth Third Bank 's solvency if it is unable to move those funds even internally. I made three calls to Fifth Third Bank 's XXXX number on XXXX two of which were escalated to supervisors. XXXX refused to provide me with any terms and conditions and told me to " look it up on Fifth Third 's website ''. The other said there was nothing they could do. 

I called the branch who opened the account and they also stated that there was nothing they could do.
Consumer complaint received 2022-11-24
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. (NY)

I submitted a letter to the XXXX Credit Bureaus on XX/XX/XXXX, to discard this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please remove these items right away! 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Resurgent Capital Services L.P. (TX)

Also on this said account it's in collection and had and open status pursuant to 1682G ( B ) of the fair credit act report. I requested a chain of ownership from original creditor all the way down the chain to who owns the debt as of today XX/XX/year>. I sent this request in on XX/XX/year> and have yet to receive anything from them. I'd like to request that this account that's in collections with and open status be remove from my credit report and deleted
Consumer complaint received 2024-02-21
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)

XXXX ) Mid XX/XX/2024 -- XXXX  XXXX XXXX REDUCED my business credit card limit to {$1000.00} from over {$47000.00} on company credit card for XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Early XX/XX/2024 -- XXXX XXXX XXXX REDUCED my XXXX business credit card limit to {$1000.00} on company card for XXXX XXXX XXXX XXXX When I inquired for the reason the credit dept claimed that I had too many credit inquiries on my credit report -- BUT REFUSED to provide any documentation to justify their decision.
Consumer complaint received 2024-05-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Aspen Yo LLC (FL)

Subject : Complaint Against Gregory Funding for Mismanagement of HAF Grant Payments and Poor Customer Service Dear Consumer Financial Protection Bureau, My name is XXXX XXXX, and I am writing to file a formal complaint against Gregory Funding concerning their mismanagement of funds provided by the Hardest Hit Fund ( HAF ) and their unacceptable customer service. 

I received a grant from the HAF designed to help homeowners stay current on their mortgage payments and prevent foreclosure. This grant made 18 payments of approximately {$990.00} each to Gregory Funding, with my monthly mortgage payment being about {$910.00}.

Over the past three months, I have repeatedly contacted Gregory Funding regarding discrepancies in my account. Despite the grant payments, I have noticed a monthly credit of around {$1200.00}, and I am unclear about how these payments have been applied. I have encountered the following issues : Lack of Transparency and Misapplication of Funds : Gregory Funding representatives have informed me that the grant money was applied to my account. However, the HAF fund manager explained that the funds should only be used for monthly payments and any remaining credit should be applied to the next month 's payment. Instead, it appears that Gregory Funding has applied these funds to the principal without my permission or notification. The credit amount left over should have been applied to the payments for XXXX and partially for XX/XX/year>, as there should be a remaining credit. 

Inability to Access Account : For several months, I have been unable to log in to my account to make payments. Despite multiple calls to Gregory Funding for assistance, this issue remains unresolved.

Unprofessional and Rude Customer Service : Almost every agent I have spoken with has been unhelpful and rude. I requested to speak with a supervisor to file a complaint and seek an explanation, but I have received no response.

These issues have caused significant stress and confusion, and I believe they reflect a serious mismanagement of my mortgage account by Gregory Funding. A fair resolution to this issue would be : Application of Remaining Credit : The remaining credit should be applied to the monthly payments, not the principal, as initially agreed upon by the HAF grant.

Detailed Explanation and Account Reconciliation : A detailed explanation of how my grant payments have been applied, including a reconciliation of my account showing the application of each HAF grant payment.

Restoration of Account Access : Restoration of my ability to access my account online.

Investigation of Customer Service Practices : An investigation into the customer service practices at Gregory Funding.

I would appreciate your assistance in resolving these issues. Please let me know if you require any additional information or documentation.

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SANTANDER HOLDINGS USA, INC. (OH)

I took out a car loan with SANTANDER CONSUMER USA a few years back and got an XXXX XXXX was my dream car that I saved up for and put a down payment on it. I was told that the XXXX was a great car with no problems.i test drove and it was pretty much ok then problems start to occur with XXXX took back to dealer within the first XXXX weeks and complained the car was not up to par as dealer promised XXXX then told me to pay for a warranty with I was under warranty because I didnt have car for 30 days..I paid for warranty as instructed al to come across more problems with car. I told dealer that the car wasnt what he explained it to be the car was a problematic car and a big hassle.so I asked can I turn car in for another car..the dealer said yes and I got a jeep from him witch I paid another down payment on and I later find out the dealer did not leave me in good standings on my account witch I was not at XXXX a good customer that came to buy goods that wasnt good..whatever he did is affecting my Credit tremendously in a negative way..I disputed with credit company and I also disputed it with SANTANDER CONSUMER USA and nothing has happened so XXXX was taken advantage of and sold a lemon and miked out of thousands of dollars
Consumer complaint received 2024-05-23
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: Bread Financial Holdings, Inc. (CA)

There are two hard inquiries on my credit report from Comenital Capital Bank. One from Ulta on XX/XX/XXXX and one from XXXX on XX/XX/XXXX.
Consumer complaint received 2020-05-24
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (FL)

Money transfer with MoneyGram to XXXX on XX/XX/2020 for {$100.00}. Money was not received, so I cancelled the transaction on XX/XX/2020. Money has not been received back to my account as of XX/XX/2020. Contacted MoneyGram and they stated the receiver needs to cancel transaction. This was a very confusing answer, since I sent the money and the receiver never received the money and I cancelled the transaction and have all the information. There is no reason for the receiver to get involved, he did not receive the money.
Consumer complaint received 2024-04-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC (CA)

Again, no payments have been missed. All principle payments are up to date. Insurance is up to date on property and homeowner is not required to send any documentation to a 3rd party that is not an interested party to the property. 

Shellpoint is trying to take the land and property. 

This Bureau has the duty of protecting all Americans, including myself, with the fraud that is taking place with Shellpoint and its affiliates. 

This document is now authored from XXXX, Michigan. Have no idea who these people are and need to contact the lender for that information.
Consumer complaint received 2023-09-12
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: Experian Information Solutions Inc. (MD)

After reviewing the credit reporting companies responses, I would like to file an additional complaint along with the first ones. The responses from 2 of the companies were that the matters are still being investigated. If I filed the disputes in XXXX and they are still being investigated then I'm pretty sure that put 's them in serious violation.
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (NV)

My student loans, account number ( s ) : XXXX for the amounts of : XXXX. {$2300.00} XXXX. {$4000.00} XXXX. {$1200.00} XXXX. {$1600.00} are reporting as " closed '' on XXXX when they should be reflecting a " open '' " payed as agreed '' and / or " payments don't begin until XX/XX/2025 '' as shown on my XXXX credit report.
Consumer complaint received 2023-11-24
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: Experian Information Solutions Inc. (NJ)

I XXXX XXXX XXXX Currently have some Fruad inquiries on my credit report. I did not authorize these inquiries. 

XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX
Consumer complaint received 2023-09-12
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: EQUIFAX, INC. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2024-05-21
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: EQUIFAX, INC. (CT)

You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ). Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error.
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Spring Oaks Capital, LLC (TN)

Beginning in XX/XX/year>, XXXX began reporting a collection account in the amount of {$3500.00} with the creditor 's name being SpringOakCap XXXX XXXXXXXX XXXX XXXXXXXX. This is not my account and I have never had any type of dealings with either creditor, SpringOak Cap or XXXX XXXX XXXX. Being that my social security number and personal information has been used without my knowledge/consent, this is fraud. My credit was recently pulled by the State of Florida for a Mortgage Loan Officer license. My application was not approved due to this erroneous, innacurate item reporting on my XXXX Credit Report. This has caused damage to me financially, as well as professionally. Remove this account immediately. 

According to FCRA 15, Section 611 ( 5 ) ( A ), XXXX is required to delete all information that is inaccurate, incomplete, or which can not be verified promptly. This has not been done as of XX/XX/year>. 

According to FCRA XXXX, XXXX. XXXX, Section XXXX ( A ), I have the right to privacy. FCRA XXXX XXXX XXXX, Section XXXX ( A ), Section ( XXXX ) and FCRA XXXX XXXX. XXXX ( B ) state that a consumer reporting agency can not furnish any account information without my written instructions. I have not given XXXX permission to report this information on my credit report. I want this inaccurate, erroneous information that is being reported without my permission removed immediately. Since I have not given any consumer reporting agency, specifically XXXX, my permission via written consent to report this information, this is considered identity theft. Please delete this information immediately. 

According to FCRA 15, U.S.C. 1681 ( C-2 ) ( A ), a consumer reporting agency must block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 

In addition, this Collection Company is not licensed to collect in the state of Tennessee which is where I reside. See the document attached from the NMLS Consumer Access site, showing where the company is licensed to operate. TN is not on that list. Remove this item immediately.
Consumer complaint received 2023-04-29
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC (NV)

I live at XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX. My name is XXXX XXXX. Ive been living here for 16 years. The loan was originated with XXXX XXXX XXXXXXXX. I feel behind or I try to file bankruptcy but it got dismissed in XXXX. I did not complete the bankruptcy, so I was still behind then XXXX XXXX XXXX was supposed to have sent the loan to Celine finance so all of the year and something they sent the one there I was trying to modification with them. I never could get through to Celine finance that supposed to be house in Texas so now theyre trying to foreclose they found paperwork in XXXX XXXX XXXX XXXX XXXX, XXXX. I need some assistance. Im trying not to lose my home, but it doesnt seem like theyre trying to work with me. Theyre trying to say that Im behind 54 payments with Celine finance. They only have had the account for a year and a half. If you could please help me I would greatly appreciate it. My phone number XXXX thank you. I have also contacted Americans with XXXX act. XXXX on XXXX. Ive been on XXXX for at least 10 years. I also work jobs to compensate for my income.
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ProCollect, Inc. (TX)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

There is a hard inquiry on my credit report from Capital One. I have not applied for any kind of credit with them, so I feel that this is someone trying to apply for a new credit card FRAUDULENTLY under my name. I have already resolved this issue with XXXX, but would like XXXX and XXXX to also take this off my credit report. I would also like to speak with someone at Capital One, to make sure there isn't a new account in my name or that someone made charges that will be billed to me.
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

This is my 4th endeavors 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Did not consent to unauthorized inquiries the inquiry was not authorized. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (MD)

I have noticed XXXX hard inquiries on my XXXX credit report that I did not authorize. Both inquires came from Home Depot/Citi Bank . They both appear on my report under the name XXXX. XXXX hard inquiry occurred on XX/XX/year> and the other occurred XX/XX/year>. I did not authorize either inquiry, nor did I apply for a credit card with Home Depot. Around XX/XX/year> I contacted Home Depot regarding the XX/XX/year> credit check. They agreed to flag the inquiry for fraud and sent a notice to XXXX. However, the inquiry still appears on my report at this time. I then later noticed the second hard inquiry on XX/XX/year> and once again contacted Home Depot. However, this time they indicated having no record of any pending credit applications or requests for a credit check. I contacted XXXX on XX/XX/year> to further dispute the inquires on my report, but they instructed me to file a report with FTC.
Consumer complaint received 2024-05-23
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: WELLS FARGO & COMPANY (IN)

My situation is unique in that I was subjected to extreme debilitating harassment, stalking, and egregious actions by many members of the XXXX XXXX Police Department. Threatening messages was relayed to me by many co-conspirators that these people were going to -run me out of my home! Their harassment tactics was so atrocious that it caused me severe and impactful undue rest that ultimately led to me leaving my home in hopes to regain some form of mental peace from the relentless anguishing stress these people were oppressing upon me! I called Wells Fargo ( XXXX ) XXXX on XX/XX/XXXX, spoke with XXXX and explained this very situation to her and it being the reason for the delinquent mortgage payments causing me to fall into foreclosure status. She then expressed her compassion for my unfortunate situation, then transferred me to XXXX in another mortgage area. I was told that he would be the person to assist me with mortgage assistance options. When talking with XXXX and explaining the same details about what I was subjected to by this police department, and other co-conspirators, in short, he stated that WFHM still shows me as the homeowner, I can live in my home, and to consider legal advice. XXXX said there is no current court date for a foreclosure sale of my home. He asked if I was working again and resume normal payments of my mortgage loan again, I said yes. But then he said that because of the foreclosure status, WFHM would not accept any payments from me at this time. This was conflicting information! He then mentioned options for assistance, said that he was submitting my request to underwriting, and provided this website to apply for assistance : ( www.wellsfargo.comXXXX ) - this page is invalid. In my diligence to expeditiously begin this process, I searched today, XX/XX/XXXX, and can not locate any forms on Wells Fargo 's site for me to apply for assistance. I also made an in-person visit to Wells Fargo back in XXXX of XXXX to make them aware of my situation.
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

I recieved letters ffrom the XXXX bureaus saying I'm using or hiring credit repair company to send out letters and file complaints, which is wrong bcause I'm doing or sending letter to the bureaus.