davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SANTANDER HOLDINGS USA, INC. (MA)

Santander Bank XXXX XX/XX/XXXX {$940.00} XXXX transfer funds from my personal checking account at XXXX XXXX XXXX to my personal checking account at Santander. I accidentally put the name of my HOA building Account on the check. This was flagged by the XXXX department, they held the funds from XXXX XXXX XXXX, and did not release them into my Santander account. I went into the local branch to clear this up. They confirmed the money was from my account at XXXX bank into my account in another bank, and assured me that my funds will be available within 30 days. They never released my funds. They cleared the money out of my XXXX XXXX XXXX  account and held it in accessible to me. I have gone back on three occasions since then to be told in person that my funds will be available soon. 

They told me in person that I would simply need to add funds to account for the amount deemed fraudulent. My account remained as a negative available balance for 3 months despite having > {$500.00} in the account. I was not permitted to withdraw any money. 

After 30 minutes in person and having the banker call headquarters and escalate through multiple levels I was told I would be able to access my account if I deposited even more money. I did so and my account funds, now greater were still held. 

This time after 40 minutes in person I was told I could access my funds in another 30 days if I made a deposit. I stated this was not acceptable as I need access to My money. 

I demanded that the original transfer be returned to my XXXX XXXX XXXX account. They stated that they could initiate that transfer but that the funds might not be available for Another 30 days. Additionally, I would STILL not be able to transfer money from my Santander account. 

They held my money for 3 month. Denied me access. And denied me recourse. It is infuriating. The only purpose of this account is for quarterly transfer to an HOA account. Now I can not access that and will incur fees for out of system transfers. 

I will be closing my account and telling all my friends and colleagues how much time Santander bank wastes. XXXX is money and my money is money. And Santander no longer has the right to ask for either from me.
Consumer complaint received 2017-03-20
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (IL)

I am disputing action taken by Citibank case # XXXX for putting accounts in my name into XXXX different collection agencies that were identified as fraudulent by me to Citibank. The following accounts including but, not limited to : Sears Home Depot Account ending in XXXX Account ending in XXXX Account ending in XXXX I disputed statement received by Citibank that were sent XXXX/2017 because of identity theft and the fact that the account numbers do not match the XXXX credit cards I have in my possession. XXXX from the Executive Response Unit phone # XXXX closed the disputed accounts through Citibank on XXXX/2017. 
I have attached the XXXX credit cards I have in my possession. I have never been late on any of my payments but, refuse to pay accounts that are not mine through Citibank. I want Citibank to IMMEDIATELY remove all negative information on my credit report and be held accountable for the threatening, continued harassment, and intimidation of a victim of identity theft. Citibank has never matched the credit cards I have in my possession. I am more than willing to settle any debt that I owe, will not pay for any interest charges, and expect Citibank to remove negative comments on all accounts in my name. Please see attached credit cards.
Consumer complaint received 2023-01-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (GA)

It's been about 19 months ago that my wallet had gotten stolen and immediately contacted Wells Fargo customer service for help and explained the situation and they said they would do an investigation and they contacted me weeks later, stating that they could replace the funds. Again I explained that my wallet was stolen with all my information in it, and they apologized. Better never refunded money. Then about 8 months later they called and asked would I like to refile a claim. At that point I was frustrated and declined the offer. Also the account was closed due to lost funds.
Consumer complaint received 2023-10-28
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. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-06
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. (VA)

On XX/XX/2022 I XXXX XXXX  XXXX on my own behalf sent a letter to each of the CRA ( Credit Reporting Agencies ) XXXX, Experian, XXXX in regards to inaccurate and unverified accounts reporting on my consumer report. To date almost 45 days later I have not been notified either by mail or phone of the receipt of my letters. I feel like I am being taken advantage of and my disputes ignored. Section 611 ( a ) clearly states a failure to investigate any dispute in the appropriate time ( 30 days ) gives me the CONSUMER the right to request that these negative items be removed from my CONSUMER report. Well its been well over 30 days ( its been 45 ) so with that being said Im asking that these items be deleted PROMPTLY. I demand that these accounts be removed immediately or I will have no other choice then to have my lawyer file for litigation on this matter. In closing, my information was impacted by the XXXX and XXXX data breach which may have caused my information to fall into the hands of the wrong people/person ( s ).
Consumer complaint received 2023-01-06
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: Experian Information Solutions Inc. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The account I'm challenging has nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the listed account. 
XXXX XXXX XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2023-02-16
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (HI)

Was threatened to be sued in court. Multiple calls made during midnight, ( Hawaii Time ). They are trying to collect By someone who could have stolen my identity. 

The name of the person they are trying to collect on debt on is shown as : XXXX XXXX. 

My full legal name is : XXXX XXXX XXXX is also not the same per documents that were given by debt collector. They are also Illegally collecting interest and frequently reporting the change in amount every single month on my credit which harms my credit score every single month!!
Consumer complaint received 2023-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (IN)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please XXXX and remove it. 
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 2023-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please XXXX and remove it. 
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 2023-03-06
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: TD BANK US HOLDING COMPANY (PA)

Target card was closed by company and discharged in bankruptcy. The target company continues to place target on my credit report after being told by my atty through bankruptcy court it was resolved. They have continued posting it a an open active account although it was resolved in bankruptcy court back XXXX XXXX This matter has created Iireparable damage to my reputation and has created survive hardship. Im a XXXX XXXX veteran battling XXXX XXXX and would like to move forward for this obvious fraud on the part of Target by TD bank.
Consumer complaint received 2023-03-09
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC (FL)

Radius global solutions attempted to collect {$72.00} from me without any calls and mailed bills. I called them to sort things out and was told XXXX XXXX was where the bill originated. I called XXXX XXXX and the staff was unable to figure out how this happened. I checked my credit score a day later and it magically disappeared from my credit report. I also disputed this matter about 2 weeks ago. While the collections is gone, my credit score remains XXXX points lower.
Consumer complaint received 2022-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

Out of my 11 student loans, 3 are fffelp. First, when I applied for student loans at XXXX, they told me that the ffelp loan was the only federal loans Available for me when in reality there were direct student loans from the government that I find out about 12+ years later. 
XXXX XXXX, XXXX, and XXXX took advantage of me. Have me misleading information. Steered me into options which were not in my best interest. 
Finally they did not honor terms like Covering the interest on federal subsidized loan when I was a XXXX XXXX XXXX. Ive never had a late payment of my loan in my entire life. 


They manipulate me onto the loan. 

Second, over there years Ive tried to get the loans consolidated under the government program but they told me the only consolidation loans I qualified for were not eligible for the government loan forgiveness after 25 years of payments. In reality that was a lie. 

Third, they told me my only options when I was unemployed and still XXXX  in college seeking my degree XXXX XXXX, was to defer my loans. It was many years before I found out about the {$0.00} payment. Thus I should be 14 years into a payment plan that would have been forgiven in 10 years. My loans could have been forgiven but because they steered me into putting my loans into forbearance instead of what was in my best interest Fourth, the 3 entities did not properly counsel me when. Is was a naive teenager. Now I owe {$85.00} thousand in debt when my original loans were approximately {$35.00} thousand. 

Fifth, 3 out of my 11 loans serviced by XXXX  were incorrectly reported as 150+ days late and 4 mo th unpaid for XXXX, XXXX, and XXXX, XX/XX/2021 when they In a forbearance due to COVID. Plus I had already applied to Renew my income based repayment plan.they confirmed over the phone all of my account Would be in forbearance until my repayment plan was reviewed and renewed. 

I found out about this by a sudden drop of my credit score for XXXX to XXXX. 

After many attempts to solve this with XXXX and 8 disputes with the credit bureaus, Ive managed to get some of the incorrect data off, but XXXX, XXXX, and XXXX still show incorrect. XXXX now shows current but on all three credit reports, they refuse to take the note of 120 - 150 days late. It doesnt make sense logically, How can it be be 120 - 150 days late if they are reporting only 3 months behind. 

Honestly I think they need to forgive at least these 3 loans because if XXXX were honest, I would have qualified for them to be forgiven by now. They definitely need to report XXXX, XXXX, XXXX correct and no days late. I was tripple covered by the automatic Covid forbearance. I had requested a covid forbearance first. Then later, but before XX/XX/2021, I called XXXX to asked to renew my repayment plans and they gave me a verbal forbearance while my application was reviewed and awaiting renewal.
Consumer complaint received 2019-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XX/XX/2019 XXXX, Transunion, XXXX all refuse to give online annual free credit report as mandated by law, through the website XXXX XXXX XXXX.action with no options or helpful information to make the online option work. 
Instead they ask for sensitive information to be sent through postal mail.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2023-02-15
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. (CA)

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to 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
Consumer complaint received 2023-02-15
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. (TX)

This is my Second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : 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 2019-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC (NJ)

Early warning is reporting information thats not mines. I ordered my report and I called they said nothing on my report. But when I went to XXXX XXXX it comes up that early warnings has me in there system. I want them to stop reporting any information in regards to me. This is ruining my life
Consumer complaint received 2023-10-05
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Imperial Recovery Consultants, LLC (GA)

This company keeps calling for someone who isnt me and leaving a XXXX XXXX saying that there is a XXXX  waiting to be delivered. This is a clearly a lie to get XXXX XXXX to call them back. Im NOT that person, Ive blocked several numbers and this tactic continues for over a year. When I called back the number from a rerouted phone to tell them to stop calling, its IRC who picks up. I told them to take my number out and she hung up on me. I called back and she said I just spoke with you and I said yeah and you dont know what number to even take out Like stop harassing the WRONG PERSON and stop being shady about who you are
Consumer complaint received 2023-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (SC)

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without written instructions
Consumer complaint received 2023-10-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: SANTANDER HOLDINGS USA, INC. (PA)

Hello Santander, I opened my checking account at XXXX XXXX XXXX XXXX branch in XXXXXXXX XXXX 
With the banker XXXX XXXX, at the moment of the account oppening I gave all my personal details, address, phone number, email, and other information. 
Since then my phone was erased or never was assigned to my profile so I cant receive OTP codes, and also doesnt allow me to add the phone number written in the account oppening documents and signed by me. 
I called the branch and requested to speak with the banker, but they told me that XXXX dont work anymore at Santander , and at the branch cant help me doing " maitenance '' to the account, I told him that is not maitenance is just add my phone numebr the same taht was given at the moment of account oppening, so I was requested to go to the branch. 
Im not US citizens, I dont live in the US , I just travel very often there and next travel is going to be next wear to California ( there are no branches there ) This is a fault of the banker, so please check the opening documents and add the phone number written on the paper and signed by me. 
Thanks
Consumer complaint received 2023-10-30
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Gurstel Law Firm, P.C. (MN)

I have not lived in XXXX since XXXX of 2019. XXXX XXXX XXXX XXXX sued me in XXXX XXXX XXXX. I currently live in XXXX. I have requested the purchase agreement for the debt and proof of service of the court summons
Consumer complaint received 2023-01-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (TX)

The dates in which I had multiple overdraft fees date consecutively within the past 5 years. I had also seen multiple withdrawals that later did not concur to my remaining account balance. Overdraft fees of {$30.00} and $ XXXX missing. There were times when they would make the deposit and then make withdrawals where the account balance would purposefully cause overdraft fees.
Consumer complaint received 2022-05-23
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Dynamic Recovery Solutions, LLC (OR)

Debit collection company is Dynamic Recovery Solutions. They called 4 times back to back at XXXX. I called back and spoke to someone and stated they can not call me repeatedly. The collector became loud, talked over me, which is abusive and began screaming " here comes the manager ''. I told them do not call me again, cease and desist. The line was then disconnected. They continue to call me and have tried to call me 6 times today Before XXXX. This is ynlawful harassment.
Consumer complaint received 2023-02-10
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: WELLS FARGO & COMPANY (MA)

I had an auto loan with Wells Fargo. How can I find out if I am owed money from their gap insurance settlement? 
I also had a checking account and was charged a ridiculous amount of insufficient fund fees.