davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-12
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

In XX/XX/1978 XXXX XXXX XXXX and his friends told me that my money was gone and I would have to leave the bank, this was supposed to be a joke, but it wasn't the social security number was changed.theres a savings bonds that my brother brought for me for XXXX dollars, My name is on the front When I returned to work the next day XXXX told me to leave or he would call the police.for years I have been trying to get my money.but i know that I was robbed.XXXX  should have me under XXXX.
Consumer complaint received 2021-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I do not recall having any debt with XXXX other than the account I paid off the full balance, this is an incorrect account and should be deleted. I ask the company reporting to show my signature in any document that proves that the account stated belongs to me. If not provided accurate information related to the account, I request the immediate deletion of the referenced account.
Consumer complaint received 2021-03-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (TX)

Navy Federal has made it impossible to access my money but VERY easy to deposit. I had direct deposit with Navy Fed where I also have stimulus checks deposited. They locked me out of accessing my acct online and only can access by calling or going in person. However because in Texas it has been impossible to renew drivers licenses because of XXXX, I have not been able to access in person either. Now they have frozen my ability to access my money and claim it is a security risk. I have brought my birth certificate, multiple credit cards, and other IDs but they refuse to even acknowledge I am standing there. The Managers won't talk to me and constantly tell me to " go figure it out ''. Complete and total fraud on their part with NO ONE willing to help.
Consumer complaint received 2023-05-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AMERICAN EXPRESS COMPANY (MA)

On XX/XX/XXXX someone called American Express and frequently used my information to try and open a credit card on my name. American Express ran a credit inquiry. I called American express the same day I discovered this in XXXX of XXXX and they promised to withdraw the credit report within 90 days. I have since called a minimum of 6 times, only to be told to have patience and that they will withdraw this credit inquiry. 
As of today, XX/XX/XXXX, the inquiry still shows up when I log in to my XXXX account.
Consumer complaint received 2023-03-06
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc. (CT)

Again was allowed to transfer all of my funds to a malicious investment site. Crypto.com should have stopped me or have had some time of security in place for this. All the transactions are in the screenshots and dates. Crypto.com just needs to check all of the withdrawals from my crypto account to verify.
Consumer complaint received 2021-03-16
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (TX)

I have been having multiple issues with Shellpoint Mortgage Services since they took over my loan in XXXX! They have been missing payments and misapplying payments every month! Just recently had to stop payment on a check they claimed they never received! Check number was XXXX! Never posted to my account! But check number XXXX did and XXXX has not and they were sent together! Something nefarious is going on with this company and should be investigated! Im tired of it! I am getting all kinds of fanthom fees and they broke into my property to do a so called property inspection which I wasnt told about in XXXX of XXXX! This is outrageous! Something needs to be done! This can not keep happening every month! I want my escrow account moved out of this company! And I want my monies refunded as they misappropriating funds! They should not be in business any longer! The amount of stress created every month is killing me!
Consumer complaint received 2024-02-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (GA)

XXXX promised me a refund I filed dispute after going through many rebuttals I finally got temporary credit. Now chime is stating no error has occurred and that my account will go negative. Which is not true or fair I barely got my temporary credit after so many rebuttals. And I know for a fact a errror has occurred which is why I attached screenshots below. So please dont negative my account!
Consumer complaint received 2021-03-16
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIBANK, N.A. (CA)

I spoke with a Citibank representative over the phone on Saturday XX/XX/2021, and explained that I had a check drawn off Citibank account and inquired on availability. I was told that funds we be available Tuesday Morning XXXX XXXX. I deposited the check on Saturday XX/XX/2021 and included a cash deposit. The available balance was {$340.00} which would cover any purchases. However on Tuesday XX/XX/2021 I received information that my account was overdrawn by {$160.00}. When I inquired that stated that it is their normal practice sometime to withdraw the available funds and place the entire deposit on hold again. However I was never notified of such hold and it is unclear how you can place a hold on cash. This is the 2nd time that this bank has done this to me and charged me {$34.00} for every transaction that has come through the account after they withdraw available funds. I have had consistent issue with this bank and although you have proof of their errors they still manage to charge you. I have a receipt to show proof of not only this deposit but where it shows the funds availability. This seems to be an ongoing problem with this bank with no notification provided to the consumer that they are removing available funds to place deposit on a hold.
Consumer complaint received 2018-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: WELLS FARGO & COMPANY (TX)

XXXX, XXXX and XXXX inacurrate information caused me to put a id theft report with ftc now none of the bank wil do business with me b/c i filed against thme fair lending act.. XXXX, XXXX XXXX  XXXX , XXXX, i could go one for day how is that rithg b/c i have XXXX job and about 720 credit on all three and 8 paid off auto loans
Consumer complaint received 2022-03-22
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: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act 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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-03-16
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HUNTINGTON NATIONAL BANK, THE (IN)

THIS IS NOT A DUPLICATE COMPLAINT : This is a NEW complaint regarding collection efforts as a result of violations of Regulation Z from complaint XXXX filed on XX/XX/XXXX. 
The above referenced complaint was for REGULATION Z violations. 
This complaint is for FALSE DEBT COLLECTION ATTEMPTS. It is a separate topic with a separate date of incident. 
For the foregoing reasons I am filing a new complaint to track the ongoing issues with this company. 
On XX/XX/XXXX, I filed a complaint against Huntington for failing to apply 2 months worth of mortgage payments received between XXXX and XXXX in violation of Regulation Z 's partial and periodic payment requirements. 
On XX/XX/XXXX, Huntington was notified. 
On XX/XX/XXXX, Huntington acknowledged the complaints. 
On XX/XX/XXXX, Huntington still had taken no action to correct the payments although they received two complaints and called but left no voicemail on XX/XX/XXXX. 
On XX/XX/XXXX at XXXX I called them to correct payments in fear my credit report would be falsely and adversely affected. 
The representative had to put in the request, which means Huntington received the time sensitive complaint regarding my payments and chose not to even note the account or place a request to apply the payments.

Then, approximately 1 hour after I called Huntington, I received a collection call from their debt collection department falsely stating I was past due ( even though I am paid two months in advance, but they refuse to apply the payments ) Huntington has had ample information and time and complaints to resolve this issue and stop this constant harassment and violations of Regulation Z but has now intentionally refused to address my issues, correct my complaints or stop the false debt collection attempts.
Consumer complaint received 2023-01-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (GA)

My home loan servicing contract was sold to Mr. Cooper. Previously it had been serviced by XXXX Bank. 

Once the loan was serviced by Mr. Cooper there were a series of errors but the most serious is that Mr. Cooper is indicating that I owe them money for a lender paid expense from XX/XX/XXXX, when the loan was being serviced by XXXX. 

I have contacted XXXX and they indicated that there is no such charge in their records. 

I have escalated this to Mr. Cooper and their research department came back today and said that the charge is legitimate, though they have yet to provide any details or receipts of the charge. See below for the details from the research department at Mr. Cooper. 

Dear XXXX XXXX and XXXX XXXX : We received your request on XX/XX/XXXX, regarding the lender paid expense balance on your loan. 
Mr. Cooper has reviewed your loan and determined that the lender paid expense balance is valid and was assessed to the loan in accordance with your loan documents and our servicing requirements. 
Therefore, the balance will not be waived or reimbursed. Any outstanding balance will continue to show in the total amount due ; however, it may be paid over time, or it will be collected at the time the loan is paid in full. 
According to the terms of your loan, if the account becomes delinquent, the lender may do and pay whatever is necessary to protect the property and the lenders rights in the property. Furthermore, any amounts disbursed by the lender shall become an additional debt to the borrower. 
As of the date of this letter, the lender paid expense balance is {$440.00} and includes the remaining balance for the fees and costs that were assessed by the prior servicer on XX/XX/XXXX. Please be advised, further information in regard to the balance was not included in the transfer file. Please contact XXXX directly for further information.
Consumer complaint received 2023-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Credit Karma (CO)

On several occasions Credit Karma has told me I was approved for loans or credit cards. And I wasnt. Some hard hits got in my credit and dropped my score that kept me from ascertaining financing. With then hurt my credit more. Some were hitting my bureau without my consent. As a result my credit has been repeatedly negatively impacted.
Consumer complaint received 2023-01-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Wave Financial USA Inc. (TX)

I RECENTLY OPENED A MERCHANT SERVICE COMPANY ACCOUNT WITH WAVE PAYMENTS. THE VERY FIRST PAYMENT I RECIEVED THEY FROZE MY ACCOUNT ANY MY MONEY, NIETHER WOULD THEY ALLOW ME TO REFUND MY CUSTOMER HIS MONEY DUE TO CLOSED ACCOUNT. OR WOULD THEY PAYOUT MY MONEY! WHAT DO IM DO TO GET MY MONEY??? THIS COMPANY JUST RIPPED ME OFF AND CAUSED ME TO LOOSE A CUSTOMER BECAUSE I COULDN'T REFUND HIS MONEY " CUSTOMER SERVICE AT WAVE, WHICH IS ALMOST IMPOSSABLE. YOU CANT EVEN FIND AN ADDRESS. THIS WAS AN ACH PAYMNET WHY WOULD IT MATTER IF HOW MUCH MONEY I HAVE IN MY BUSINESS BANK ACCOUNT??? I CAN SEE A CREDIT CARD, BUT NOT A ACH PAYMENT. HOW CAN THY BLOCK ME FROM REFUNDING MY CUSTOMERS MONEY? I SHOULD BE ABLE TO CANCEL, DELTE OR RETUN MY ORDER AT ANYTIME.
Consumer complaint received 2020-03-12
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. (AL)

In XXXX of 2020 I disputed XXXX XXXX XXXX unverified reporting to XXXX   XXXX  and Experian credit report. I submitted a letter to XXXX XXXX XXXX to verify this account is mine and received no response from them. XXXX, XXXX and Experian sent me a response letter claiming this account was investigated and verified. how was this account verified with my signature and I received no response from XXXX XXXX XXXX. if this account was investigated without belief that it was not and verified, my question is. with what proof???
Consumer complaint received 2023-12-29
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. (MA)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXXXX/XX/2022
Consumer complaint received 2020-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (SC)

credit information older than 7 year if neg is suppose to be removed.the account i had with XXXX XXXX XXXX XXXX   was removed from XXXX  and XXXX with in two days the first late pay was XX/XX/XXXX and was supposed to be removed last year. i have filed 4 disputes so far with equifax and the company XXXX XXXX XXXX XXXX keeps changing the dates to XXXX and to XXXX.
Consumer complaint received 2021-03-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NY)

I have tried to resolve this issue with so called debt collectors or predatory lenders reporting negative items on my credit file from the three credit bureaus, but little or nothing has been done to remove all negative item off my credit file. XXXX XXXX XXXX still report incorrect and negative items although they said they would stop collection actions. XXXX XXXX has sent me over 130 harassing letters which I have not opened and returned to sender. LVNV Funding, XXXX XXXX continue to report negative items affective my financial life and harassing letters which all have been sent back to sender. All three credit bureaus continue to report on behalf of these predatory lenders when they have not produced any contract or promissory note with the specie of exchange to create such debts. I want these predatory lenders to cease and desist from all collection attempts and remove every fraudulent account for collection from my file.
Consumer complaint received 2021-03-16
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. (IL)

I have attempted several times to advise the credit reporting agencies/ XXXX XXXX transunion XXXX and XXXX that these inquiries are not mine and are not authorized. I had continuous unknown accounts XXXX XXXX account that was closed but not removed ) that showed up on my credit file that they deleted but did not remove the inquiries. Maybe someone was trying to obtain a mortgage loan using my identity but that was not me. 

Inquiry- XXXX XXXX  XXXX Inquiry- XXXX XXXX XXXX Inquiry- XXXX XXXX  XXXX Inquiry-XXXX XXXX XXXX Inquiry- XXXX XXXX XXXX Inquiry-XXXX XXXX XXXX Then with Inquiry- XXXX- XXXX Inquity -XXXX XXXX XXXX XXXX XXXX XXXX account closed but not removed, it never belonged to me Any professional company would know that running someone's credit more that five times for the same thing automatically locks it so the person will not get approved. This is a ridiculous amount of credit pulls and I think someone has my information and was trying to just ruin me.
Consumer complaint received 2021-03-16
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CNG FINANCIAL CORPORATION (FL)

I was contacted twice from a dept collector with the number XXXX ( XXXX ) XXXX who claimed they were from a debt I had at checkngo in XXXX the first call in which the woman was very nasty and told me if I did not pay this debt a warrant will be served at my address and I would be arrested. Again she called XX/XX/XXXX and told me they have a lien on my vehicle and will be having a warrant served. I have not received any calls from them until XXXX. When I called back this person tried to deny the threats they made on the former calls.
Consumer complaint received 2022-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX  XXXX 15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, A a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. 
( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. 
( 7 ) Any other error described in regulations of the Bureau.
Consumer complaint received 2024-02-24
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. (GA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : 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 2021-03-16
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (CT)

I have repeadetly told Synchrony Bank to stop calling my home phone and they have not stopped ... I even sent a letter to them. Also instructed them to send me a bill and they have not done that. I will pay when I get the bill. 

NOTE : I was instructed by Synchrony Bank to remove the Cease and Desist from my account so they can send me a bill.
Consumer complaint received 2023-01-24
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. (TX)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021
Consumer complaint received 2022-11-13
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: EQUIFAX, INC. (FL)

I am a natural person I am a living human being. I have rights under 15 USC 1681. Equifax is a governed by USC 1681. And they violated my rigths numerous of times. I demand the account 's below to be removed please because according to 15 USC 1681. I have rights to privacy and did not give Equifax permission to furnish these accounts thank you.