davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation. Attached are the necessary documentation to support my position.
Consumer complaint received 2024-01-05
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: SYNCHRONY FINANCIAL (MD)

Initially, I was offered, and advised, that I had TWO YEARS at XXXX percent interest. My account was opened XX/XX/XXXX, and the Synchrony Bank racially PROFILED and REDLINED my credit in XXXX XXXX maliciously decreasing my credit limit. The supervisors excuse was they didnt believe, they would receive their money. Surly, I made every payment XXXX days earlier ; which contradicts her explanation. Now, XX/XX/XXXX my account has been closed, with XXXX late payments, and months away from the XXXX XXXX  interest payment being. Most importantly, this shenanigan was intentional, by this unscrupulous company.
Consumer complaint received 2024-01-05
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: WELLS FARGO & COMPANY (NY)

I made a purchase at the XXXX XXXX XXXX XXXX XXXX in XXXX XXXX NY on XX/XX/XXXX in the amount of {$110.00}. Wells Fargo was offering a Cash Back deal of 15 % for purchases made at the XXXX XXXX  between XX/XX/XXXX and XX/XX/XXXX. I never received the 15 % cash back equaling {$17.00}. I have made numerous calls to Wells Fargo. Cases have been open and escalated to the Executive Office and still I have not received the cash back. The customer representative in the Executive Office Handling my case is XXXX XXXX. She claims she can't do anything to process the request except for waiting for the cash back department and they have not responded to any of her requests, The case number with the executive office is XXXX. I began calling Wells Fargo XX/XX/XXXX and my last call was today, XX/XX/XXXX. I even faxed all of the documentation to the executive office verifying that I made the purchase and fulfilled the requirements. I would appreciate any assistance you can provide. Thank you.
Consumer complaint received 2024-01-02
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK (GA)

Hello there was a fraudulent opened discover credit card in my name without my permission. I did not authorize this account to be opened in my name. I have contacted discover several times to close this account and remove this debt and account from my credit report discover have refused to help. I have sent discover multiple police reports, identity theft reports. I have several letters from discover stating I owe a XXXX balance and the account would be removed from credit report and they still have not removed.
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS) (TX)

I am the victim of identity theft and hacking. I recently was denied a checking account due to incorrect and false information from ChexSystems. I have disputed the information and supplied a police report and court Order stating I am a victim of identity theft. I need the fraudulent inquiries removed and deleted.
Consumer complaint received 2024-09-06
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Confusing or missing disclosures
Company: SCHOOLSFIRST FEDERAL CREDIT UNION (CA)

I am a member of schools first federal credit union and before my family all passed away during XXXX  we did a living trust, I tried to do everything correctly and the last thing they wanted was me as a beneficiary on the accounts. They wanted my XXXX XXXX to come into the bank to sign papers but due to her illness and a global pandemic she was not allowed to leave her home. The bank said they would mail the required paperwork in XXXX of 2021 XXXX weeks later in the beginning of XX/XX/year> I called them as I did not receive the paperwork. At this time I was informed this could not be done and again my grandmother had to come in and I explained that she could not. Shortly after my mother passed away and I could no longer follow up, a few months after my grandmother also passed away I went in to the bank with the living trust and they said I had more than enough to prove the living trust is valid but they would make me go through probate anyway. I was diagnosed with XXXX shortly after and had to have XXXX and have been in probate court for over 3 years. I tried to do everything correctly and legally and these people made an already horrible situation a living nightmare for me that is ongoing. They offered me little to no help. This should not have been allowed to happen to anyone. Especially during a global pandemic.
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: WELLS FARGO & COMPANY (SC)

On XX/XX/XXXX, I received a vague letter from Wells Fargo saying that a review of their records indicated that I as enrolled in the Identity Theft Protect -Affinion product from XX/XX/XXXX. XXXX  to XX/XX/XXXX, asking to me call so they could " care for '' any impact caused by the enrollment. I called and the women said, " How may I help you? '' I said, " I don't know. You sent me a letter. '' She THEN revealed that if I was enrolled but did not want the product, they would send me a reimbursement of {$1100.00}. I said to reimbursement me, and she said that I would receive a check in 20 days. 21 days later I had not received a check and called back. I was told it could take 20 to 30 days this time and to call back after 30 days. I called back on XX/XX/XXXX, and was kept on hold for over 20 minutes, switched to another person and cut off. I called back and the new person told me the check had not been sent yet and they were experiencing " delays. '' She could not say why it had not been issued nor when it would be. I was told to call back in 7 days. I called back today, XX/XX/XXXXXXXX  and was again told the check had not been processed without explanation of why or when it may be. I was " ESCALATED '' up two times due to being very vocal about my feelings regarding how financial institutions should not be allowed to continue to take advantage of people, rob them and destroy our economy without consequences. White collar crime is crime that hurts innocent hardworking people. When people owe them money they ruin their credit, foreclose on their homes and repossess their items. When they owe THE PEOPLE money, they do everything possible to dodge any responsibility and get away with it. The THIRD employee I was escalated up to told me that I was given incorrect information regarding the time frame. He said that it takes 3-4 weeks up to 45 DAYS to receive payment and that I should receive it any day. I asked him if the check had been cut and put in the mail. He said, " they could not see that information. '' The previous employees seemed to have that information and yet this one did not? XX/XX/XXXX, will be the 45th day. I do not have high hopes that I will be receiving my check from this crooked financial institution and will be calling back on XX/XX/XXXX, so they can continue to play their devious games instead of doing what they were ORDERED IN COURT to do. I told several of the employees I was issuing this complaint and agreeing to have it published on the consumerfince.gov website. I hope others see it and do not let Wells Fargo continue to get away with this crooked behavior.
Consumer complaint received 2023-04-25
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (TX)

This is in regards with the complaint # XXXX Citibank has responded saying that they are withdrawing the decision on blocking and closing my account. 

Thank you for the decision. However, when I tried to login to the app, I still keep getting my access has been blocked. I called customer care bunch of times. They say my account is in good state and I was even shipped with new debit card. But when I asked for access, they keep on saying maintenance. I don't understand how can only my account is been in maintenance for 5 days? 

So I still can not access my account from past 5 days since I received the response of everything is good.
Consumer complaint received 2024-01-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (NC)

On XX/XX/XXXX, I purchased a desktop computer from Dell and financed it through Dell Financial Services. See Exhibit A. I included a one year warranty in the purchase price. Exhibit B. The payments for the warranty were {$5.00} per month and extended through XXXX of XXXX. In approximately XXXX of XXXX, I received an email notifying me I could extend my warranty, I opted not to do so. In XX/XX/XXXX, I was notified that Dell had transferred its financing to a third party, Comenity Bank. See Exhibit C. 
In XXXX I received the statement for {$10.00} and I paid it without thought, knowing it was my last charge for the warranty about to expire. I then received another billing statement in XXXX. I called the number on the billing statement, XXXX and spoke to a call service representative of Dell. He told me Dell records showed that I owed no money to Dell. He took some time and came back to my call saying he had a notation on the record and sent me an email confirming that nothing was owed to Dell. See Exhibit D.

Then in XXXX, I received another billing statement. I again spoke to a Dell representative and she told me Dell records showed that I owed no money to Dell and she referred me to Comenity. I called Comenity and explained the issue. The representative came back on the line and told me that Comenity only billed for what Dell sent them. So, back to Dell. The representative again told me I owed nothing and a note would be put in my file again to correct. The Comenity representative stated she would prepare a dispute claim and I sent her the documentation for it. 
In XXXX, I received notice from Comenity that my claim was under investigation. See Exhibit E. In XXXX, another billing statement. Same merry-go-round as before and I was told the matter was still under investigation. XXXX, XXXX, I received another billing statement. See Exhibit F. I then wrote a letter and sent it XXXX to the general counsel for Dell with a copy to Comenity. Exhibit G. I have heard nothing from that correspondence, except another billing statement on XX/XX/XXXX. 
I have very little recourse except through you or the courts, and at XXXX, having been a XXXX XXXX for 47 years, I do not want to spend my time in court. I ask for your assistance. Thank you.
Consumer complaint received 2024-01-02
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: PLANET HOME LENDING, LLC (FL)

On XXXX XX/XX/2023, a signed purchase contract was submitted to Planet Home Lending ( PHL ) by the sellers of XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. The purchase contract was a loan assumption agreement. This submission was made with a follow-on phone call from the seller ( XXXX XXXX XXXX to PHL expressing the need to quickly facilitate this loan assumption application. As explained, the seller was under contract to purchase a home in Mississippi and that contract was contingent on this closing. Additionally, the buyer of XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) needed to close by the end of XXXX to be eligible for Home Stead exemption benefits. 

On/about XXXX XXXX, I received via USPS mail the loan application. After completing the documents and discussing outstanding questions with XXXX XXXX, I mailed the completed packet to her office on XXXX XXXX and it was received on XXXX XXXX. XXXX acknowledged receipt on Monday XXXX XXXX. I explained that the loan assumption needed to be completed by the end of XXXX so I can apply for home stead exemption and the sellers could close on their new purchase. PHL said that they could close by the end of the year so long as I respond quickly to any emails requesting additional info or that I address any questions. 

On XXXX XXXX, I spoke to XXXX XXXX, the manager within the PLH loan assumption Dept. By this point, the processor was changed from XXXX XXXX to XXXX XXXX, the Servicing Coordinator. XXXX had not responded to multiple calls and emails. XXXX told me that his team would review the status and do everything they could to expedite the application. I did not get a response from PHL for XXXX  days. Following multiple phone calls and emails, I finally was contacted back from XXXX who explained that the application would go to underwriting the next day, on XXXX XXXX. I was also told that the loan would not close by XXXX XXXX. 

Yesterday, I received an email from XXXX saying that the loan would be submitted to underwriting tomorrow ( XXXX XXXX ). I have been given misleading communication by PHL, unnecessary delay, and poor communication resulting in financial hardship to my family, the sellers of the property ( XXXX XXXX ), and the sellers of the property in Mississippi. This process should have only taken XXXX  days from start to completion. I need help in facilitating this process and close ASAP.
Consumer complaint received 2024-01-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

On XX/XX/2023 I was charged {$1600.00} dollars from XXXX XXXX XXXX. 
I contacted USAA regarding the transaction stating that this was an un authorized transaction and would like to dispute it. I contacted USAA multiple times regarding the status of the dispute and nothing was provided. Finally, after numerous times contacting USAA, I was told that there decision to deny the dispute is final and i have been told they can not review the case. I have asked USAA to help me with regarding what i need to provide to them for this case to be reviewed, no help from USAA has been given or direction of why my dispute is finalized.
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SANTANDER HOLDINGS USA, INC. (VA)

My information was sold and bought illegally because I was a victim of XXXX XXXX breach I want these items delete it from my credit report effectively immediately I am attaching proof that XXXX has admitted that I was in fact a victim of data breach and XXXX has done nothing please help me delete these illegal accounts from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Santander Consumer USA XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (AR)

Capital one was resolved and they agreed to remove off my credit report. They have reopened it giving false information and status of the account which has made my score drop tremendously without my permission or any papers! They are falsifying on My report and score and will not remove it after being asked to do so! I have no ties to this company anymore!
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I wrote XXXX XXXX to let them know that they were sharing my nonpublic personal information with an unaffiliated 3rd party without my written consent. I asked them to stop, but I am still receiving notifications that they continue to report these adverse claims.
Consumer complaint received 2024-01-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (FL)

XXXX was sent {$140.00} for tickets that were not valid. She said she was going to refund the money and has now deleted her profile. I have contacted XXXX and XXXX, and neither institution is willing to file a dispute for this transaction.
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc. (CA)

These addresses were never mine, someone stole my identity and opened an Ulta credit card under my identity. I have never lived at these addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is my XXXX  XXXX XXXX address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This was my XXXX XXXX address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This was my XXXX XXXX XXXX address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is my XXXX XXXX  property : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-02
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: Freedom Mortgage Company (OR)

My mortgage is owned by XXXX XXXX and serviced by Freedom Mortgage. I have been unable to set up an online account with the servicer Freedom Mortgage for over three months. For that reason, I have been unable to set up automatic payments or any sort of payment plan for my mortgage. Problem : when I go to set up my account with Freedom Mortgage, the website says that my last name and SS number and loan number do not match the data in their records. I spoke with representatives from Freedom Mortgage over the phone around XX/XX/2023. They were unable to fix the problem but said they sent the issue to their IT department. The representative said that their IT department would fix the problem, and that she would call me back when the problem was resolved. I have not heard from Freedom Mortgage since. 

There appears to be no way to change the loan servicer if I am unhappy with the level or quality of service they provide. This is unfair, and should be changed because it affects my ability to pay off the mortgage. As a mortgagee, I should be allowed to choose who services my loan, not XXXX XXXX, which as far as I am concerned, is basically the federal government. If the servicer doesn't provide adequate service to the customer, then the customer should be able to require the mortgage holder to switch who services the loan. There should be consequences to the servicer for providing poor or inadequate customer service.
Consumer complaint received 2024-01-01
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: SANTANDER HOLDINGS USA, INC. (FL)

Santender bank, took my car while I was hospitalized, I made many payments on time, paid already the value of the vehicle.They did not want to reinstate the loan, I argue over the phone over an hour to please return the call we need to make the late payment they continually said no. They demanded that I paid the car in full in order to keep it. Santander gives you chances if you're late you can call in and they allow you to be late or not make a payment, I explained to them I was in the hospital I wanted to use those chances and they said no I asked for a manager and there was no way for me to change our mind so they kept the vehicle and put on my credit report that I still owe d XXXX after they took it and would not work with me to catch up with the payments. I lost my deposit that I put down the {$2000.00} and I lost all those payments I was I believe XXXX years into the loan. I want that removed they took my my vehicle and expect me to continue paying for the balance.
Consumer complaint received 2023-04-28
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (CA)

Ordered Gift Cards from XXXX XXXX XXXX XXXX. One of the cards failed to activate and I spent 2 hours with Incomm customer service and got nowhere. Infact, everytime I call the Incomm number on the back of the XXXX XXXX- it takes their level 1 customer service at least 45 minutes to answer the phone. I suspect that Incomm makes it difficult to access gift card funds people buy to increase their breakage rate and ultimately profit.
Consumer complaint received 2019-11-12
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. (NY)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2024-01-01
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (FL)

This complaint is regarding a purchase that I've been trying to make for the past 2 days online using my Ashley XXXXXXXX XXXX XXXX I have been receiving an error message that my payment can not be processed and that I need to check my billing address and payment information. I have checked everything, and it all seems to be correct. I have even called Synchrony Bank and Ashley Furniture Mart. Synchrony bank informed me that everything I verified was correct, so the point of contact was Ashley customer service. I spoke with a representative today and they advised me to use XXXX chrome and that still did not fix the problem. This has been overwhelming, and I have yet to get this problem resolved. This is a birthday gift that I am trying to have to my niece this week and the unfortunate circumstance is slowing down the process. I will attach the error message I am receiving as well as the email that was sent to the customer service agent that helped me. He advised me that if it didn't work when I tried XXXX chrome that he would assist me, but he has yet to reply. I even sent an email to the suggested email when I received the error message to no avail. I am requesting that someone reach out to me via phone to correct this problem. There is no reason why I should not be able to use my card. The product item # is XXXX. Please see the attached documents.