davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-18
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. (MO)

Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2023-08-16
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION (PA)

Early XXXX, 2023, I opened a checking account and credit card with Truist Bank, XXXX XXXX. XXXX PA. They were offering a PROMO of {$400.00} to open an account. As of XX/XX/2023, I completed all the requirements. XXXX XXXX was the XXXX XXXX, who assisted me with opening the account. Whenever I call on the status of the {$400.00} promised, I'm told the " XXXX  Department '' is still researching. Wait another XXXX days. According to the information when I opened my account, that {$400.00} would be deposited within XXXX weeks of my completion of the terms. XXXX XXXX informed me today, another woman has been waiting since XXXX for her XXXX. 

I also learned today from XXXX XXXX, that Truist finally located the {$250.00} from my previous complaint. That money needs to be reimbursed to XXXX, who after almost two months reversed the payment and refunded my money. XXXX XXXX told me today, the XXXX XXXX, XXXX location, just located the check for {$250.00} sent to them by XXXX. What is going on at Truist bank. Please do what you can to get them to honor thier XXXX and deposit {$400.00} into my checking account.
Consumer complaint received 2023-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Credit Karma (MA)

Credit karma guarantee payment for credit card disapproved aplications fraud.. they guarantee an easy approval or a reward on theyre behalf. But fail to come thru after you compromise your credit with hard inquiries on your record and your info being used by others to open up loans with your credit.
Consumer complaint received 2023-05-18
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. (MO)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct.

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2023-08-15
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc. (WA)

I have been contacted my debt collectors in regards to a Forever 21 credit card that I did not use for the money they are saying I owe. I have tried to contact the company and tell them to cancel the card and they said they would but never did. I am just worried because this is really affecting my credit score.
Consumer complaint received 2023-05-18
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. (GA)

In accordance with the Fair credit reporting act XXXX Acct # XXXX, has violated my rights. 

15 USC 1681 section 602 A. States I have right to privacy 15 USC 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 2023-05-18
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. (IN)

Recently, I did an investigation on my credit report which caused XXXX XXXX  upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2023-08-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc (MO)

My employee stock shares were sold and expected to deposit in my account in XX/XX/XXXX. They never showed, so I assumed there was a delay or they would be distributed the following quarter. I received income tax forms at the beginning of XX/XX/XXXX showing 3 separate distributions from my employer stock paid out and I only received 1 of those 3 deposits. I called Chime and have gotten no where with them. They refused to get involved. Ive called the Department of Labor and they were able to research and confirm one of the missing deposits showed posted under the the account number that I provided my employer to send the deposit. We have the date and time of the transaction for the amount of {$55000.00} with the word posted on the transaction. I went back and checked and I received no notification the amount was ever deposit in my account period. I believe it was put into the wrong account or flagged as an exception and never rectified. Ive also called my employee benefits advisor and they confirmed when the shares were sold and when the deposit was sent to my back. Im responsible for paying taxes on a huge amount of money that I never received. I was also provided with a transaction trace number from my advisor but Chime refuses to research this at all.
Consumer complaint received 2021-03-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (TX)

On XX/XX/XXXX, I ordered tires for my car and I never received them. I filed a dispute on PayPal ( Case ID : XXXX ) and they denied my case because seller provided tracking number. The tracking number is XXXX. I checked with XXXX and they told me the tracking number wasn't addressed to me. Seller provided other person 's tracking number to manipulate the PayPal dispute. This seller is fraud and this needs to be addressed with law enforcement. XXXX tracking website shows item is 7 pounds. Tires should at least weigh 20 pounds. I can not believe PayPal is helping fraudster make money off of innocent people like this. I want my money back.
Consumer complaint received 2023-08-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP (CA)

Deceptive promise, lie, false advertising : On XX/XX/2023 I responded to an invitation from US Bank to open a new credit card because it promised a " ZERO- interest balance transfer " feature. I applied for the card with a {$5000.00} balance transfer to be applied to my XXXX XXXX XXXX because it had a high balance ( due to replacing my sewer cleanout pipe to the street recently ) and the card was granted on XX/XX/XXXX, and the {$5000.00} balance transfer was sent over to XXXX XXXX However, a few of {$150.00} was charged to my US Bank card, by USBank. Even though they advertised it a " ZERO interest '', {$150.00} is exactly three percent interest on {$5000.00}. I called US Bank but they refused to reverse this fee, claiming i " should have known '' and " its there in the fine print. ''
Consumer complaint received 2020-06-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (OR)

Owed XXXX for last month bill. ERC reported to to and I paid that balance in XXXX on XX/XX/XXXX. ERC continued to call and attempt to collect, leaving debt collection mark on my credit. I called and they confirmed it was paid and I owe a XXXX balance. They provided a second receipt when I called to dispute the incorrect reflection on my credit report on XX/XX/XXXX. Company still has not removed debt from my report and still shows it as me owing. I would like the debt removed from my report as promised.
Consumer complaint received 2023-08-15
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: TRUIST FINANCIAL CORPORATION (GA)

From : XXXX XXXX XXXX Mailing : XXXX XXXX XXXXXXXX XXXX XXXX, Georgia XXXX Landline : ( XXXX ) XXXX Truist Bank Mortgage XXXX XXXX XXXX XXXX, MD XXXX Loan number : XXXX When COVID happened, I was directly affected by COVID. XXXX members of my family died from XXXX and I had to have XXXX surgeries. Consequently, I am on XXXX for the rest of my life. 

I am a 12-year United States Veteran and my mortgage was purchased via the VA program XXXX 

Due to COVID, Truist Mortgage placed my mortgage in a forebearnace program for six months. When I initially agreed to go into forebearance program, the gentleman informed me that my payments would be attached to the end of my loan. Subsequently, a Truist representative called me to inform me that he lied. During that call, she promised to place my due date to the END OF THE MONTH - she stated that would make it easier for me to get make my monthly payments because, all of my regular bills were due at the beginning of the month. 

Shortly that call, another Truist representative called me to inform me that she LIED. The representative informed me that, EVEN THOUGH TRUIST OWNS MY LOAN and that TRUIST CAN CHANGE THE DUE DATE IF THEY WANT, they refuse to help me stay in my and will keep the due date at the BEGINNING of each month when ALL of my other bills are due - making it EVEN more difficult for me to make my monthy mortgage payments. 

PLEASE UNDERSTAND - ALL OF THE TRUIST FOREBEARANCE REPRESENTATIVES LIED THROUGHOUT THIS ENTIRE PROCESS. 

When the program ended, I complied with EVERYTHING that Truist Mortgage instructed. Near the end of the program, Truist sent me documents to sign. When I mailed them back in their envelop, they informed that they lost the documents. Truist sent another set of documents for me to sign to continue with my payments after the forebearance program was completed. After signing where the red and yellow tabs instructed me to sign and having the documents notarized, I mailed the documents back to Truist. 

On XXXX XX/XX/2023, another Truist female representative called me and informed me that my notarized documents were received ; but, she did not like my signature. I told her to look at my signature on ALL of my documents; and tried to convey that was my signature. During the ENTIRE call, she was speaking XXXX ( had a VERY ignorant XXXX tone to her voice ) and threatened me over the phone with the prospect of taking my home away from me. She indicated that Truist, ALL ALONG, had it in mind to take my home away from the onset of entering the forebearance program. The call was SO bizarre and threatening, that I had to end the call. 

NOTE : Banking crimes have NOT ended. Many thousands are homeless due to criminal banking practices that are similar to what Truist is currently doing to my mortgage loan. The banks are taking advantage of people who were directly affected my COVID ; and consequently, doing everything that they can to take our homes! PLEASE INVESTIGATE!
Consumer complaint received 2023-08-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (AR)

On Tuesday XXXX XXXX I contacted my bank about fraudulent transactions on my bank account there were several fraudulent transactions wotch are XXXX on XX/XX/XXXX {$90.00}, XX/XX/XXXX XXXX XXXX  {$80.00}, XX/XX/XXXX XXXX XXXX {$15.00}, XXXX  XXXX XXXX {$11.00}, XXXX XXXX XXXX XXXX {$30.00}, XXXX XXXX XXXX  XXXX {$10.00}, XXXX XXXX XXXX {$60.00}, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX {$51.00}, XXXX XXXX XXXX {$58.00}, XXXX XXXX XXXX XXXX {$120.00}, XXXX XXXX XXXX {$45.00}, XXXX {$11.00}, XXXX XXXX XXXX XXXX  {$250.00}, XXXX XXXX XXXX XXXX {$250.00} I disputed all these due to me not making them and my card and pen were stolen and I got a email the same day on XXXX XXXX Tuesday saying my disputes were denied and I will not be refunded and I really need my money back
Consumer complaint received 2021-03-15
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. (CA)

I tried to dispute some of my important credit information that is missing from my report from Experian. I mentioned in the dispute which information was missing and provided the documents, including my bank statement, car loan statement, and the mortgage statement. However they did not try to thoroughly investigate what happened and sent me a letter saying due to the fact that my creditors did not report to them. I verified with my creditors and they said they did report. Also on the reports from the other two agencies ( XXXX and XXXX XXXX ) they do show my accounts information correctly. And now I found out my information was incorrectly shown on SOMEONE ELSEs report. I was an on going problem, and they fail to correct it. Now they said my credit score is unavailable because my credit usage is zero. I dont have any open account!
Consumer complaint received 2021-03-15
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc. (TX)

I would like a late tax fee reimbursement. My school tax was not paid nor was I notified of the needed payment and it is now delinquent. And I have been assessed an approximate {$150.00} fee. This is one of the main reasons why I left Nationstar/Mr. Cooper. a lack of consistent quality customer service. 

I would like to be reimbursed this fee since I was not notified of an original statement being sent to you all. And it was not forwarded to me or at least communicated to me. It seems you all didn't even notify the tax company to send the bill to me as well or instead. The first time I heard the bill needs to be paid is the delinquent letter I have now received saying it is late. 

The below email also said that my next tax payment would be paid in XXXX in 2020. If not, I should have been notified as I mentioned earlier.
Consumer complaint received 2023-08-15
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: GOLDMAN SACHS BANK USA (NY)

Throughout the end of last year and this year there has been many purchases made not authorized by me what so ever. This has me very frustrated as it has grown up to around {$4500.00}. Around 1-3 months back I filed many disputes with the credit card company ( Apple Card ) which is run by the Goldman Sachs bank XXXX I waited for over 2 months on the disputes and all of them seemed to be cancelled for whatever reason. I am deeply sad and mad on why this had to happen with me. Through many calls and such they said they would help but roughly just spun all the payments back to me. Please whatever you can do fix the debt that has been made on these unauthorized transactions and fix whatever damage this may have caused from these purchases and payments made and thank you.
Consumer complaint received 2021-03-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HSBC NORTH AMERICA HOLDINGS INC. (DC)

I signed up for a bank account with HSBC and was entitled to get a bonus based on direct deposits made to the account. I know that I signed up through the correct link. The bank confirmed that on the phone, but then later refused to honor the bonus. HSBC owes me {$700.00}.
Consumer complaint received 2023-05-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (UT)

Please remove this inaccurate late payment from my account. I have a good history of paying on time and it is unfair for me to be penalized for something that is not my fault. I kindly request that you update my account as soon as possible to reflect the correct information
Consumer complaint received 2021-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (NY)

This is a complaint regarding Chrysler Capital. 
I leased a new vehicle in XXXX, paid the first months payment at the lease signing. 
I never received a bill for the 2nd payment but when they contacted me and I sent out a payment right away. 
Again I didn't receive a bill in XXXX and then sent in a double payment to cover 2 months. They claim they didn't receive it until weeks later and then proceeded to report a delinquent amount for the entire value of the lease ( {$21000.00} ) to the credit bureau, which has severely affected my credit. 
They themselves claim they have " no control over the U.S. Mail '' but then penalize me for receiving the payment check late. And they are reported the entire lease amount as delinquent even though the according to them I was only late 1 months payment AND the account was made current a mere week later than when the show the late payment due. 
They then reported to the credit bureau 2 weeks later, while my account has been fully current. 
And to preface all this, this is my 3rd vehicle lease with Chrysler Capital, I've never had a late payment in 6+ years of leasing through them. This a predatory practice and they are ruining my credit score even though I am just trying to pay them on time according to their bills.
Consumer complaint received 2023-08-15
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: SYNCHRONY FINANCIAL (TX)

Synchrony Bank accessed my credit report on XX/XX/2022. I do not recognize and did not authorize this access to my credit report. 

My credit report has an active fraud alert and is frozen/locked. Access to my credit file requires verbal approval to protect my identity. Additionally, I have opted out of pre-approved promotional offers.
Consumer complaint received 2023-05-17
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. (MN)

I lost my wallet and SSN and someone started opening accounts in my name and I would like these accounts removed the law states if victims of fraud or identity theft these items will have to be removed within the week. 

XXXX XXXX XXXX  : opened XX/XX/XXXX Collection specialist : opened : XX/XX/XXXX XXXX  XXXX XXXX  : opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX : opened XX/XX/XXXX XXXX : opened XX/XX/XXXX I also want to remove late payments from department of ED accounts : opened XX/XX/XXXXXXXX XXXX
Consumer complaint received 2023-08-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (PA)

I already tried to fix this with the company I dont know who lvnv company is I have no contract with them please show me the wet signature that I signed up with them. If they cant provide that it means I never had a contract. XXXX This is the claim number I already sent in and yall let them state I owe this debt that is not mines this is identity theft because I never signed a contract with them at all
Consumer complaint received 2021-03-15
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (UT)

Nationstar Mortgage and their attorneys XXXX XXXX XXXX used deceptive practices and dual tracking and LIes while they continued to foreclose on my home of 20 years and lock me out of it and sell it back in XX/XX/2019. I was served all the papers at once and never given a procurement period and was told by the mortgage company that I couldn't pay my mortgage while in modification. I was in modification this entire time.
Consumer complaint received 2021-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Received a notification on XX/XX/21 advising that my XXXX XXXX Account was showing 30 days past due with a XXXX balance. 

I traded in the vehicle on XX/XX/21 and the loan was paid in full by my new lienholder 10 days later. The account status updated to paid in full and closed about 2-3 weeks ago, now the creditor is reporting a 30 days past due on my credit file for an account that has been satisfied in full and closed.
Consumer complaint received 2023-05-17
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: EQUIFAX, INC. (NC)

please delete these company off of my credit XXXX XXXXXXXX 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 EQUIFAX mtg XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( IDENTITYTHEFT, GOV ) FTC Report Number : XXXX
Consumer complaint received 2021-03-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (CA)

I have been patiently awaiting a refund of my Escrow account. On XX/XX/XXXX, a check was issued to me mailed to residence. When I did not receive this check in the mail I contacted United Wholesale Mortgage several times stating non-receipt of this payment. Finally, on XX/XX/XXXX the check was found to have been cashed though mobile deposit by someone else. I have no knowledge of the identity of the person that forged the check and would like to pursue legal action against them. 

I have been calling XXXX and XXXX XXXX since early XXXX. On XX/XX/XXXX, I was advised to send this written request so that a check can be reissued as soon as possible. 

Nothing has been done I get hung up on told to send in new forms. I feel like I committed a crime when I was the victim. 


Amount {$2600.00}