davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-29
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: U.S. BANCORP (ID)

Someone got a hold of my social security number and got a SS card printed and they signed it. Then they took a XXXX XXXX check with someone else 's name and washed the name on it and put my company name on it. They made a fake XXXX  Driver 's license using my XXXXXXXX XXXX  photo and my old address in XXXX. They also must have contacted the Secretary of XXXX and got my company 's federal tax ID number and a letter from the IRS with my tax ID on it. They took all that info and submitted it to multiple financial institutions in order to open a merchant account. Many other institutions phoned my company because things didn't add up. But somehow XXXX, a Merchant Services company didn't due their due diligence and opened up a Merchant account in the name of my company. Once I found out that I had these attempts on my credit, I locked my credit, but somehow XXXX opened them up anyway! One of the banks sent me a copy of the fake id and check and IRS letter. Once XXXX opened them up, the fraudsters proceeded to run over {$30000.00} through that account. Now I'm being pursued by XXXX for {$220.00}! I don't have a clue what that's for. As far as I'm concerned they need to eat that money as they are the ones that opened up the account without proper verification.
Consumer complaint received 2021-12-29
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: BANK OF THE WEST (FL)

I have been trying to pay off my Bank of the West loan. I have tried calling them and wait times are over 60 minutes long and I keep getting disconnected. I have sent a bill pay from my checking account at another institution. It has been 10 days and the pay off has still not posted. I have been leaving secured messages to XXXX XXXXia online banking. Today when I went to log on to see if I got a reply, I got the following message. 

" Our records indicate that you dont currently have any accounts eligible for Online Banking. If you believe this is an error, please call us at XXXX ( XXXX ), option XXXX ( XXXX XXXX ). '' How can that be? I have been logging in every day for the last 10 days. I want to sell the loan collateral but I can't until this is paid off and there is a lien release. 

This issue is causing my consumer harm.
Consumer complaint received 2021-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (TN)

I was pre-approved and applied for the XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. There was a hard pull on XX/XX/XXXX. 

My reference number : XXXX My application was denied and they said I could check why through a link. I went to the link and the application said it was in progress for a few days. I called them and they said I was denied because they could not pull my credit report or credit score. Both XXXX and Experian did not show I have a credit history. 

They kept asking me if I had a credit history or if I had a credit lock or freeze and to talk to XXXX or Experian. I told them I have over a decade of credit history, no locks or freezes ( verified by XXXX ) and can view my credit score on all three websites.

I was able to pull my free credit scores from all 3 agencies from the XXXX website. I pulled them and they first told me I could not email them. 

I called back a few days later and someone told me to submit them online. The online portal did not allow me to submit. Then I called back and they told me I could fax it to them. 

I faxed them my XXXX and Experian credit reports. They said they received them and once again it was denied because I was showing no credit history/FICO score. 

They said they could send it to their team to do a manual application and pull. So they did that on XX/XX/XXXX. I was once again denied because of no credit history/fico score. 

I have two hard pulls on my XXXX credit report ( XX/XX/XXXX and XX/XX/XXXX ). XXXX says because of the hard pulls, XXXX was able to get my credit report so there is no issue on their end. 

XXXX XXXX said they were not able to pull anything from Experian and I have been unable to get into contact with an actual person to talk to from Experian 's customer service. I have been trying for a month. 

XXXX XXXX says it shows I have no credit history or FICO score so that the issue is with XXXX or Experian. 

XXXX says that they use the XXXX and no FICO score so that XXXX XXXX should not be trying to pull a FICO. This does not make sense to me because why would XXXX XXXX not know this and try to pull FICO scores from XXXX XXXX says the issue is with XXXX, and I can't get into contact with Experian at all. 

I do not know which company to file the complaint with because they keep pointing fingers without escalating to someone who can investigate or help me.
Consumer complaint received 2021-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I was pre-approved and applied for the XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. There was a hard pull on XX/XX/XXXX. 

My reference number : XXXX My application was denied and they said I could check why through a link. I went to the link and the application said it was in progress for a few days. I called them and they said I was denied because they could not pull my credit report or credit score. Both TransUnion and XXXX did not show I have a credit history. 

They kept asking me if I had a credit history or if I had a credit lock or freeze and to talk to TransUnion or XXXX. I told them I have over a decade of credit history, no locks or freezes ( verified by XXXX  ) and can view my credit score on all three websites. 

I was able to pull my free credit scores from all 3 agencies from the XXXX  website. I pulled them and they first told me I could not email them. 

I called back a few days later and someone told me to submit them online. The online portal did not allow me to submit. Then I called back and they told me I could fax it to them. 

I faxed them my TransUnion and XXXX credit reports. They said they received them and once again it was denied because I was showing no credit history/FICO score. 

They said they could send it to their team to do a manual application and pull. So they did that on XX/XX/XXXX. I was once again denied because of no credit history/fico score. 

I have two hard pulls on my TransUnion credit report ( XX/XX/XXXX and XX/XX/XXXX ). TransUnion says because of the hard pulls, XXXX was able to get my credit report so there is no issue on their end. 

XXXX XXXX said they were not able to pull anything from XXXX and I have been unable to get into contact with an actual person to talk to from XXXXXXXX XXXX  customer service. I have been trying for a month. 

XXXX XXXX says it shows I have no credit history or FICO score so that the issue is with TransUnion or XXXX. 

XXXX says that they use the XXXX and no FICO score so that XXXX XXXX should not be trying to pull a FICO. This does not make sense to me because why would XXXX XXXX not know this and try to pull FICO scores from XXXX. XXXX says the issue is with XXXX, and I can't get into contact with XXXX at all. 

I do not know which company to file the complaint with because they keep pointing fingers without escalating to someone who can investigate or help me.
Consumer complaint received 2022-05-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

In accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX  account # XXXX, XXXX XXXX  account # XXXX, XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX XXXXXXXX account XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX  account # XXXX, XXXX XXXX XXXX  account XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A stated 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.
Consumer complaint received 2020-03-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (FL)

OnXX/XX/2019, I was a victim of credit card fraud. My cards were used while I was at an adult establishment and charged for outrageous amounts with outrageous gratuity amounts added on to the purchases without my authorization. A police report was filed against the merchant and an affidavit stating I did not authorize those purchase and the handwriting on the receipts are forged were submitted to American Express as evidence. The total in charges on two of my american express cards was over {$70000.00}. On multiple occasions the American Express fraud team told me in writing that the fraud case for these charges was closed in my favor and I would not be responsible for any of the charges. However, out of the over {$70000.00} in fraudulent charges American express only credited my account {$13000.00} and now states that I will be responsible for the remaining balance. American Express states that because I was present at the time the cards were being used it can not be considered fraud which is contradictory to Florida Statute 817.61, which states " A person who, with intent to defraud the issuer or a person or organization providing money, goods, services, or anything else of value or any other person, uses, for the purpose of obtaining money, goods, services, or anything else of value, a credit card obtained or retained in violation of this part or a credit card which he or she knows is forged, or who obtains money, goods, services, or anything else of value by representing, without the consent of the cardholder, that he or she is the holder of a specified card or by representing that he or she is the holder of a card and such card has not in fact been issued violates this section. '' Nowhere in the statute does it say that the cardholder must not be present for fraud to occur. The fact that the charges were made without my knowledge and the receipts were forged is more than sufficient for these charges to be considered as fraud. In addition to the fact that these receipts were forged, all of the charges occurred after the legal operating hours for an adult establishment in XXXX XXXX County and documentation of such was also provided to American Express.
Consumer complaint received 2023-01-14
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: SANTANDER HOLDINGS USA, INC. (GA)

Made numerous requests to have incorrect information removed. 

In Accordance with the Fair Credit Report Act This Creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604a Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a account under an open and consumer credit plan as late for any purpose
Consumer complaint received 2021-12-29
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY ()

Ive met this person on XXXX, his name was XXXX XXXX, a false name I guess, divorced, XXXX years old and had a boy called XXXX. He told me he worked as a doctor for the XXXX XXXX in XXXX. After gaining confidence, we started to chat via XXXX. hIis telephone number is XXXX XXXX XXXX as seen in XXXX. 
He explained that his vacation was comming up and that he needed money to finance his flight ticket to get home, money that he would hand to the XXXX flight Agent to arrange his flight. He mention this because of him being at a war zone his bank account was blocked. He was very charming, telling me how beautiful I was, lovely, caring... and as we carried on chatting I eventually fell for the scam as a fool. On the XXXX of XX/XX/2021 I sent a transfer from my account in XXXX from XXXX XXXX XXXX to an account at Wells Fargo National Asociation on XXXX XXXX, XXXX XXXX, CA XXXX. The details are as follows : Amount : XXXX USD I have taken action on the XXXX XXXX ; I have gone to my Spanish Bank and forwarded the material I gathered so that they could pass the information to their International Department.I have also visit the website of Wells Fargo Bank and reported the scam online with the details of the transactiion : account number, enrouting number, name and address of beneficiary. Next, I visited the website of the ReportFraud.ftc. gov ( Federal Trade Commission ) and wrote my report to the FTC. Now, Im placing a complaint at the ConsumerFinance.Gov in the hope to recovering my money. 

After the transfer wire he informed me that the XXXX XXXX had to return his vacation funds so that i had to get involved as a beneficiary in order to use my XXXX bank account to receive his funds there because of him being at a war zone and having his account blocked. He decided that I should contact his barrister to lead me troughout the process. I actually havent done that because I think he wants to steal every singel penny left in my bank account.
Consumer complaint received 2021-12-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: N.A.R., Inc. (MO)

North American Recovery keep calling me without identifying themselves. They were threating me. After I informed them that it was not my debt they failed to provide any paperwork within 5 days or prove their the ownership of the account.
Consumer complaint received 2021-12-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you
Consumer complaint received 2021-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (TN)

I have send three rounds of certified letters ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, all in 2021 ) for the correction of my Experian credit report for inaccuracies and for Experian to send me an updated credit report. Experian has ignored my letters and when I've called them multiple times on the phone they have placated me with promises that they would update my file and send me corrected reports. I have received nothing and have been ignored completely. I'm at wits end, please assist me.
Consumer complaint received 2021-12-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (SC)

I AM APPEALING ALL OF THESE ACTIONS AND BY THE RULES, I WILL NOT BE ABLE TO GIVE ANY ANSWER TO THEIR FILING. IF MY APPEAL IS REFUSED THEN WE WILL LOOSE OUR HOME. EVICTION OF THE XXXX XXXX IS AS FAR AS I HAVE READ AN ILLEGAL AND IMMORAL ACT THAT SHOULD BE ORDERED BY THE COURT AS NO CONTEST AND THE SUIT BE DROPPED. ANY HELP THAT CFPB CAN HELP US WITH WOULD BE OF GREAT APPRECIATION AND BASICALLY SVING OUR HOME AND OUR LIIVES. PLEASE CONTACT ME ASAP AND LET US KNOW IF WE HAVE A CHANCE OF STAING IN OUR HOME TO SHOW THESE MORTGAGE BUTCHERS THE RIGHT TO DO BUSINESS. AND THAT AN OLD COUNTRY BOY AND HIS WIFE AINT GON NA GIVE UP SO EASILY, BECAUSE MY XXXX GRADE MATH SKILLS BEATS OUT THEIR XXXX GRADE MATH IN THIS XXXX SINCERELY,. XXXX AND XXXX XXXX CELL PHONE XXXX HOME XXXX XXXX OTHER CELL PHONE XXXX PS,, THE FIRSTCOMPLAINT GIVEN TO THEM OF THEIR MISTAKE AND DEFAULT WAS TOTALLY IGNORE BY THEM ONCE THE CFPB HAD CONTACTED THEM. PLEASE DO SO AGAIN AND SEE IF THEY CAN DO THE RIGHT THING AND STOP THE CONTINUE OF THIS FORECLOSURE AND GIVE UP THE DEED
Consumer complaint received 2023-01-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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 items I'm challenging have nothing to do with any transactions I've authorized to gain products, services, or money. Please remove the following ITEMS. 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 XXXXXX/XX/XXXX ;
Consumer complaint received 2020-03-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC (IN)

According to my credit report, Enhanced Recovery Company purports they have the right to collect {$290.00} from me. They have been reporting this amount since 2019 without proper notifications sent to me. After speaking with the credit bureaus ( who I have addressed separately ), they have not spoken with anyone at Enhanced Recovery Company regarding my name or an alleged account. I disputed this information and it was verified as accurate. 

Because the credit bureaus did not speak with Enhanced Recovery Company, this debt has been verified illegally. Also, they have not sent me any notices regarding my right to dispute, or any mailings for that matter. They continued to list this account as " open '' and not " in dispute '' despite my disputes with the credit bureaus. They need to be reminded that, according to the FDCPA, they must follow certain procedures when attempting to collect a debt.
Consumer complaint received 2020-03-02
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

this is now my second time reaching out to your company. the last response was from XXXX - XXXX, on behalf of Capital One in which she stated I applied for credit when I DID NOT. look on the paperwork I have never and will never be associated with the address : XXXX XXXX XXXX XXXX this inquiry was not authorized by me in any way whatsoever and therefore is a result of fraud and must be removed immediately.
Consumer complaint received 2016-09-12
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: PNC Bank N.A. (FL)

Over 3 months ago I submitted a loan application with PNC Bank, the process has become a complete nightmare. This situation is affecting economically and emotionally. When I first contact PNC Bank I stated that we needed to short sale a property to a family member. PNC agreed and they let us continue with the process. Upon initial review, they stated that financial situation for the borrower was in order, that the debt to income ratio was satisfactory. When they ordered the appraisal, they assured us that the loan was on track and there were no issues. We paid them {$600.00} for an unnecessary appraisal, unnecessary because the short sale amount was vastly under the value of the home. The appraisal came back and showed water damage to the home and the appraiser incorrectly stated that this was due to a plumbing issue. We had a plumber verify that this but PNC required complete repair of the bathroom before closing. We spent over {$50000.00} for this repair. Then PNC had the borrower purchase home owner insurance prior to closing. Once that was complete, PNC still did not set a closing date because no one ordered a title search. This delayed us further and further. Upon receipt of the title search, PNC began to make an issue about the short sale of the home to a relative. We continued delaying and delaying as we provided more and more requested documents and information. Once this was finished, underwriters decided that the borrower was never making enough money for this loan. Now the last request from underwriters is to have the borrower pay off his primary mortgage in full and increase the loan amount ( undoubtedly to have PNC receive a higher return on this loan ). This payoff amounts to almost {$73000.00}! In addition to close to {$8000.00} in costs incurred for inspections and repairs for a home valued much higher than the short sale amount, they now require another {$73000.00} to be spent before they even consider this loan. None of these requirements were ever pointed out when we initially began this process. 
On top of all the expenses that we had, because of all the delays that PNC caused, another {$7000.00} in costs must be considered due to the increase in short sale price and court costs.
Consumer complaint received 2021-12-29
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. (TX)

I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed.

605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion