davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-16
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: HUNTINGTON NATIONAL BANK, THE (OH)

I took out a HELOC with Huntington National Bank in XX/XX/XXXX. It is an interest only loan. My plan was to pay the payments plus extra to pay-off the principle. 
My first payment was a very reasonable {$220.00} at an interest rate of 3.49 %. 
Since then, the payments have increased nearly every month until my latest payment is a whopping {$1000.00}!!! at an interest rate of 8.74 %. And, once again let me point out that I am not even getting the loan principle paid down! 
When I was speaking to a friend about this crisis, they suggested that certainly I must be approaching a cap on the increases. So I got out my paperwork and discovered that the cap is 18 %!!! My wife and I will have lost our home long before we could ever reach that cap in payments. 
I've talked to my branch lone officer twice. I have retired during the past two years, so I can not qualify for a mortgage to replace this HELOC because my income is now too low. Meanwhile, this HELOC now requires more than half of my income to pay!!! 
They gave me paperwork for getting into a program to only make partial payments- during which time the interest would continue to accumulate. That choice would only balloon the loan to be completely unpayable. Plus the forms state that getting in that program would affect my credit rating. 
I tried to contact someone higher-up in Huntington, so that I could speak to some executive who could perhaps offer some real help. But I could find nothing online for that. 
I phoned into Huntington two times to register complaints about this situation. The first time on XX/XX/XXXX I was told my complaint was expedited and someone would respond by XX/XX/XXXX. No one contacted me, so on XX/XX/XXXX I phoned in again and was told my complaint had not been expedited after all. So the person I talked to opened another complaint.. I was transferred to a Supervisor, who refused to transfer me to anyone higher in the organization and simply pointed out that I had signed the loan papers. 
At that point, I decided to contact the CFPB. 
I feel that I was " rooked '' by Huntington Bank. I never imagined in my wildest nightmares that this loan would skyrocket this way and nothing I was told pointed it out in any way.
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

Subject : Formal Dispute of Credit Inquiry Pursuant to FCRA Laws- XXXX XXXX XXXX on XXXX Dear CFPB Office of Consumer Response, I am writing to formally dispute a credit inquiry listed on my Experian credit report originating from XXXX XXXX, which occurred on XX/XX/2022. This dispute is made in accordance with the Fair Credit Reporting Act ( FCRA ) regulations, which grant consumers the right to accurate and fair credit reporting.

Details of the Disputed Inquiry : - Creditor : XXXX XXXX - Inquiry Date : XX/XX/2022 - Credit Bureau : Experian Basis for Dispute : I have meticulously reviewed my credit report and can confirm that I did not provide authorization for, nor did I initiate any credit application or transaction with XXXX XXXX on the mentioned date. As per FCRA regulations, I am entitled to accurate and timely information in my credit report, and any inaccuracies or discrepancies must be promptly addressed.
Consumer complaint received 2024-01-10
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. (CA)

Although I appreciate your efforts to correct certain errors in my credit reports, one account still has to be fixed. The Experian and XXXX Credit Bureaus are required to verify this account ( A ) by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). This disputed account has to be corrected. 
XXXX XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AL)

Checked my credit report on XX/XX/2024 and to my surprise there were several INQUIRIES that do not belong to me and I would like them removed asap. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (FL)

In XXXX I took 2 XXXX XXXX XXXX XXXX loans, XXXX and XXXX totaling XXXX. Loan # XXXX. My son graduated in XXXX and I began making payments and have evidence of such payments. I filed a dispute with FSA in XXXX because regardless of how many payments I made in the amount of XXXX the principal balance continued to increase and received evidence of payments but no further action was taken. When I filed bankruptcy in XXXX the loans were not included and the balances continued to increase and I continued to make payments. Now comes a company called Aidvantage that bought the loans from XXXX XXXX apparently and I still am showing a balance of XXXX which is more than twice the amount that was borrowed in the first place and gives no consideration for 16 years of payments. Please assist in getting this balance forgiven and removed from my credit report as it now shows a past due balance. Thank You, XXXX XXXX
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

Subject : Formal Dispute of Credit Inquiry Pursuant to FCRA Laws - XXXX XXXX XXXXXXXX Inquiry on XXXX Dear CFPB Office of Consumer Response, I am writing to formally dispute a credit inquiry listed on my credit report originating from XXXX XXXX XXXXXXXX, which occurred on XX/XX/2022. This dispute is made in accordance with the Fair Credit Reporting Act ( FCRA ) regulations, which granXXXX consumers the right to accurate and fair credit reporting. 

Details of the Disputed Inquiry : Creditor : XXXX XXXX XXXXXXXX Inquiry Date : XX/XX/2022 Credit Bureau : Experian Basis for Dispute : I have thoroughly reviewed my credit report and can confirm that I did not authorize or initiate any credit application or transaction with XXXX XXXX XXXXXXXX on the mentioned date. As per FCRA regulations, I am entitled to accurate and timely information in my credit report, and any inaccuracies or discrepancies must be promptly addressed.
Consumer complaint received 2021-03-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc. (DE)

Starting XX/XX/XXXX I havent been able to selling my Bitcoin and withdraw the funds. Every time I try it tells me there was an error and to try again. Then I get an email telling me my transaction was canceled. Ive been reaching out to support but havent gotten a response thats been able to fix my problem. Ive tried selling it again this morning and its still giving me the error. Please help in anyway you can. Its a lot of money to me that I dont want to just lose because of a companies poor ethics. My name is XXXX XXXX and my account username is XXXX Please help me with getting my money back from coinbase
Consumer complaint received 2023-04-13
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (WA)

Wells Fargo foreclosed on my home : On XX/XX/XXXX I received a letter stating that I owed Wells Fargo a payment of {$4000.00}. They stated that I had an unpaid payments ( XX/XX/XXXX XXXX bankruptcy of {$250000.00}. Total owed {$260000.00} I then received a notice from them on XX/XX/XXXX : Notice of short sale approval for loan XXXX. Two months later, XX/XX/XXXX, my home was sold out from under me for {$740000.00}! After hearing about the CFPB settlement with Wells Fargo in XXXX of XXXX, I wrote a letter through a lawyer friend to Wells Fargo about losing my home and my place of earning my living. To date I have received no response from Wells Fargo. I have documents from Wells Fargo to supplement my statements. 
It is my belief that Wells Fargo purchased my mortgage sometime after I filed for bankruptcy in XXXX the reason was settling my divorce. Then taking out a second mortgage to pay off a ( {$120000.00} ) loan on the original mortgage to a relative and monthly payments for my wife to resettle in her own apartment. I believe that Wells Fargo sold my home illegally and rightfully owes me money! Wells Fargo Mortgage for loan XXXX made a huge profit by selling my home and place of business! I had to move and completely restart my business! The most my mortgage should have amounted to is about {$400000.00}. I believe that Wells Fargo owes me at least {$300000.00} In XXXX i went through a bankruptcy process. Wells Fargo purchased my mortgage from a company named XXXX XXXX XXXX  on XX/XX/XXXX XXXX at the time my mortgage was {$220000.00} and sometime around that time I added {$100000.00} to the mortgage because i had to pay back a relative that loaned us money. I also had to pay my wife during the divorce process. The documents that I submitted from wells Fargo said they were going to help me by doing a short sale on my house ( XXXX XXXX ). They said at that time I owed over {$600000.00}. A month later they sent me a letter saying they already arranged a short sale as a favor to me saying they were selling the house. In that letter it said they were selling the house for XXXX and also they said they already had purchasers for the house. That letter was written by XXXX XXXX and her title was home preservation specialist. The letter had a phone number for her I tried calling and I could not reach her. After i made a complaint with the cfpb I called wells Fargo mortgage because i never heard anything back from them. I was transferred to a person at wells Fargo executive office ( XX/XX/XXXX ) XXXX XXXX and I went through the process and he said it takes 10 business days for them to process and he said I have established a case number ( XXXX ) for your complaint with wells Fargo and that a case worker would be assigned.
Consumer complaint received 2021-03-13
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. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX This request can not be processed online. Experian maintains all of the name variations reported to us by your creditors so that you have a complete record of what has been reported. For your protection, names are typically not disputable online. Please contact us for more information at XXXX. 
XXXX Name ID Number XXXX Report Number XXXX XXXX XXXX XXXX XXXX XXXX This request can not be processed online. Experian maintains all of the name variations reported to us by your creditors so that you have a complete record of what has been reported. For your protection, names are typically not disputable online. Please contact us for more information at XXXX. 
XXXX Name ID Number XXXX Report Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX not my name only go by XXXX on driver lic and applications
Consumer complaint received 2023-07-13
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. (NY)

There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted.
Consumer complaint received 2024-01-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Williams, Rush & Associates, LLC (TX)

Company is reporting debt to my consumer report but have not provided any evidence of their authority to do so including proof of claim ; the bookkeeping for alleged debt including all payments made and interest ; original contract bearing my signature, and ; proof of debt ownership.
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BARCLAYS BANK DELAWARE (NY)

I am filing this complaint to BARCLAYS BANK DELAWARE for allowing the fraudulent account on my credit report. I filed an FTC report with the identity theft report number XXXX. As I checked my credit report these fraudulent account is still reflected on my credit reports. I was expecting that I can count on them to protect my information and to provide accurate credit reports. There are multiple inaccurate information on my credit report the balances, date of late payments, payment status, date of last payment, and violation under FCRA policy. I have attached the FTC report together with my driver 's license and proof of address.
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2023, letters were sent to XXXX, Transunion, and XXXX to request the removal of hard inquiries reported to my credit file, because I did not authorize those companies to pull my credit report and I do not recognize them. The credit bureaus responded back to me stating that the hard inquiries were verified without providing proof of how they verified the accuracy of the information.
Consumer complaint received 2021-03-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (NC)

Someone created an email account in my husbands name, and created a zelle account. We found out from our bank XXXX XXXX XXXX fraud department the email address is XXXX. We did not create the email and the person who created the email address transferred money two separate transactions within approximately 1 hour between in the amounts of {$500.00} and then {$490.00} from our account to a person by the name of XXXX XXXX who we do not know. I need this zelle account deleted immediately please. I have had no luck for the past 3 days getting in touch with anyone from zelle. Until Thursday we had no idea what zelle was. Could you please let me know what the next step may be. Thank you
Consumer complaint received 2017-10-16
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: SYNCHRONY FINANCIAL (TX)

I am a victim of identity theft. This company requested my credit on behalf on someone fraudulently obtaining my personal information and using it to attempt to open an account. Although no account was opened this inquiry is showing on my credit file and adversely affecting my credit score. I have attached letters from creditors documenting the identity theft and a copy of my photo ID.
Consumer complaint received 2021-03-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

PayPal closed my account/permanently limited and the payments to me is on hold for the reason that I am underage but I am already XXXX years of age, and I already submitted the copy of my driver 's license for my verification. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal as my payment option for my XXXX XXXX to the client thus it's an intangible item And a non shipment transaction. The goods and services Delivered and used to the client is an electric format.
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A. (IL)

Went to check my credit score and report and it has one hard inquiry from CBNA that i do not recognize nor did i apply for this.i requested information from the company and all they keep saying is verified and accurate. i have showed the police report stating that im a victim of identity theft and still werent able to give me answers.
Consumer complaint received 2023-02-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Upgrade, Inc. (DE)

I saw a charge for {$1000.00} on my card that I did not make. I immediately called the CC company and told them about the charge. I canceled that card and got a replacement. A few days later I found on my porch a box of strange pneumatic tools. The packing slip said that they were sent from a company in Florida, and sold to a company in XXXX, DE but for some reason shipped to and billed to me. When I called the company in XXXX, they said it was part of a scam using stolen credit cards. I immediately contacted my CC provider and asked them : What should I do?. They never responded, but a short time later they emailed me refusing my dispute. The reason they gave was that I received these weird pneumatic tools. I told them it was a drop ship scam and the other company involved, in XXXX, had already been reimbursed on their end, and were willing to talk to my CC investigators, but they reuse to talk to me any further about it. My CC provider could NOT have investigated this at all since one of the two parties on the packing list from the shipment said it was a scam. ( I did send a copy of the packing list to my CC provider when these tools came. I work three jobs, six to seven days a week, I can afford to be ripped off for {$1000.00}!! Can you please, please help me out? Thanks very much, XXXX
Consumer complaint received 2021-03-13
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX XXXX {$1200.00} Closed 8 charge-offs Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card - Revolving Terms Balance on XX/XX/XXXX Credit Limit {$1200.00} {$1000.00} XXXX XXXX XXXX XXXX XXXX {$25000.00} Closed 6 charge-offs Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card - Revolving Terms Balance on XX/XX/XXXX Credit Limit {$25000.00} {$25000.00} inquires : XXXX XXXX XXXX XXXXXXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX date : XX/XX/XXXX Removal date : XXXX XXXX XXXX XXXX XXXX Credit Bureaus Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Cards XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Your XXXX credit file is unlocked Lock your XXXX  Credit File to prevent identity theft. 
Unlocked
Consumer complaint received 2023-02-22
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)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2021-03-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (OR)

Chime, the bank closed my account with no notice. Chime did not protect my money. The hotel which initially charged my card for XXXX $ + and settled for XXXX $ insists they didn't have the extra funds that were debited from my account. However chime states that if they were not put back in my account that XXXX XXXX has the funds. Neither can show me where these funds are. In fact the transaction has disappeared frommy statement. I have record by screenshot. When I mentioned this to chime they become. Aware of matter. This has also happened with other transactions. All of them becoming expired pending transaction. The money is initially debited from my account. Upon expiring it does not postback to my account. Chime assures me it does. However, I know it does not. Specifically with XXXX XXXX I had to put stop payment. So they definitely could not postfunds back. Chime will not help me in locating these mising funds