davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-25
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: WELLS FARGO & COMPANY (NY)

I noticed an 'alert ' that there was a NEW credit INQURY placed on my credit reports on XX/XX/2018. This information was reported by a Company called XXXX. 
I contacted XXXX on XX/XX/2018 at XXXX. I spoke to XXXX at XXXX to let her know that I DID NOT authorize any credit check on my account. I was told by XXXX that the request was made by Wells Fargo Bank. I explained that I had NO Business with Wells Fargo Bank, I did NOT AUTHORIZE any transaction of credit from Wells Fargo Bank. XXXX told me she would issue a dispute. I NOW receive a letter dated XX/XX/2018 from XXXX on XX/XX/18 indicating " our client Wells Fargo '' ordered your credit report through XXXX that contained credit info based on each of the NCRA 's. We contacted Wells Fargo BANK NA and informed us that it accessed your credit report pursuant to your verbal authorization connection with a mortgage transaction '' I NEVER authorized Wells Fargo to run a credit report, I HAD NO MORTGAGE transaction current with Wells Fargo, the last MORTGAGE I had was over 10 years ago in the year of XXXX This is preposterous VIOLATION of the FCRA , and I also called Wells Fargo at XXXX, who gave me the run around. PLEASE look into this wrong full credit run from XXXX.
Consumer complaint received 2020-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ID Analytics, Inc. (NJ)

Banks are using sagestream credit agency to run credit reports, a lot of info is all wrong and many people are claiming low credit scores, sagestream score for me is XXXX, thats about 180 points lower. Whats strange is, I have a security freeze on ALL 3 credit agencies, and the only one to come up with a score and credit history is sagestream.
Consumer complaint received 2019-01-10
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: Experian Information Solutions Inc. (NY)

XXXX XXXX View All Accounts Previous Next Details Account # XXXX Original Creditor - Company Sold - Account Type REVOLVING Date Opened XX/XX/2013 Account Status Closed
Consumer complaint received 2018-10-20
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. (MI)

I have reached out to the company numerous times and went to the credit agency for further investigation with no help. 
XX/XX/2018 Transunion XXXX XXXX XXXXXXXX XXXX, XXXX Re : File Number XXXX Dear Agent, Thank you for your reply of XX/XX/2018, Attached is all my correspondence with the XXXX XXXX XXXX with whom I apparently owe {$9500.00}. As you will see I have offered on numerous occasions to settle the amount owing in full upon their assurance in writing that they will provide me with the original instrument of indebtedness in its original form. 

You will see in my letters dated XX/XX/2018, XX/XX/2018, XX/XX/2018 and XX/XX/2018 that I have repeatedly made these offers. XXXX XXXX XXXX on every occasion has either overlooked or ignored my requests to exercise equity in redemption and by refusing to acknowledge that right they have refused to accept payment in the process. That settled the matter legally and financially on XX/XX/2018 however as a courtesy I gave them another 10 days to respond which they did not. This settled the matter once and for all on 3XX/XX/2018. 

I have since been harassed by XXXX XXXX XXXX and a third-party repossession company with whom I have no contractual relationship. They are third party interlopers and have no knowledge of the matter between myself and the XXXX XXXX XXXX and have no business what-so-ever harassing me. However, as a courtesy I have kindly offered both these agencies settlement in full on the amount owing upon their assurance in writing that they will provide me with the original instrument of indebtedness in its original form which binds myself and these agencies. Neither of these agencies have offered to accept payment from me on either occasion. 

To date XXXX XXXX XXXX, has not made any reference to the original instrument of indebtedness in any of their correspondence. It seems to me that there is no original instrument of indebtedness in existence which again settles the matter legally and financially. 

I would appreciate if you would review my documentation and obtain a statement of facts from XXXX XXXX XXXX outlining exactly why they can not produce the original instrument of indebtedness, why they have had their lawyers harass me for a nonexistent debt and why they have referred this non-existent debt to a debt collection agency. 

Thank you very much.
Consumer complaint received 2018-10-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE (OH)

This is in regards to my dispute with Huntington Bank over transactions that are connected to a fraudulent brokerage scheme. This broker claims to be regulated by the CFTC and the SEC. Ive contacted both of these regulatory agencies and they told me that not only are they NOT REGULATED, but its illegal for them to even do business in the United States and that Ive been the victim of a scam. That makes any transaction with them fraudulent. I made deposits via my Huntington Mastercard to a brokerage firm called CloseOption either directly or through XXXX. These deposit transactions have either the description XXXX *XXXX or XXXX. Now, when you withdraw funds from this broker, they issue the withdrawal in the form of a refund directly back to your debit card or through XXXX to your debit card. Or so they say. Ive made deposits totaling {$16000.00} via my Huntington MasterCard. Ive only received {$2700.00} in withdrawals from these jokers. Im missing {$14000.00} in withdrawals/refunds. Thats not including any of my profits which I know Ill never see because this company is fraudulent. But I should at least be able to get my {$14000.00} back through Huntington. When I filed the dispute with Huntington, they closed my claim and only addressed the {$2700.00} in refunds that I received. They didnt address any of the other transactions. They didnt even offer me provisional credit even though its been 10 business days since I filed the dispute. The deposit transactions are as follows ... 

For description XXXX : XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$530.00}, {$1000.00}, {$1000.00}, {$1000.00}, {$540.00} XX/XX/XXXX {$540.00} XX/XX/XXXX {$750.00}, {$1000.00}, {$860.00} XX/XX/XXXX {$540.00} XX/XX/XXXX {$540.00} For description XXXX XXXX XX/XX/XXXX {$800.00} XX/XX/XXXX {$1500.00}, {$1000.00}, {$1000.00}, {$1000.00} XX/XX/XXXX {$300.00}, {$500.00} Thats a total of {$16000.00} in deposits. 

I have received the following refunds ... 

XX/XX/XXXX {$540.00} XX/XX/XXXX {$210.00}, {$540.00}, {$540.00}, {$860.00} Thats a total of only {$2700.00} in refunds. 

Im still waiting on {$14000.00} in refunds.
Consumer complaint received 2018-08-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (PA)

Problem with fraud alerts or security freezes I have a credit card from Citibank and they blocked my card claiming that could be a fraud every time I tried to make a purchase.I only got the card less than a week and tt happens three times in five days.

They only way to get it unblocked is to call the fraud team of Citibank then to receive a code from a call or text or a latter from mail.The first time I could receive a code through text message.The second time they said I can only get the code through a voice call and I live in an area with barely no service so I have to drive to downtown to get the voice call to get the code.But when I try to call back they said I need to call them thought land line so I drove back home to call them with my land line then they said the code was expired.

I finally got off the hook from taking with a supervisor using that code.This doesn't make any sense at all.

Two days letter I found out my card has been blocked again for no reason this time and this time the fraud team said because I have used text or voice call to get the code too often so I can only do it through letter from mail which could take 5-7 business days.This is making completely no sense.I used my phone to receive the code too often was because Citibank keeps on blocking my card for no reason.

The fraud team also said I can not make any payment or close my account when the card is blocked but there still will be interest and late fee! And I can not even get it done in person in branches.

So even I can get it unblocked this time, I will still have to wait for the letter from mail to get the code every time I try to make a purchase in the future.And it will take 5-7 business days to receive the letter.This is ridiculous long waiting time trying to use a credit card on a regular purchase.
Consumer complaint received 2018-08-25
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: EQUIFAX, INC. (FL)

All three credit bureaus were reporting three different bankruptcies, and the courts do not verify bankruptcies. Therefore, the credit reporting agencies pulled that information from a third party reporting agency. So that information must be deleted.
Consumer complaint received 2018-09-17
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (CT)

Good morning, I had a loan modification done back in XXXX. I had lost my business after the XXXX crash and asked fore help. After several months, I was given a loan a loan modification. IT was going quite well since I had a lower interest rate and was able to start paying back my principal. However, I had recently come in to some difficulties this past year and lost my job. I have been struggling to pay but managed some how. Since I have been struggling to find a decent paying job I called my back and asked about help and possible seeing if they would consider another loan modification. When I did this I also asked what my current total payout for my mortgage was at his time. That's when I found out heart breaking information. They said not only do I owe the mortgage that I see on my statement every month but there is also a hefty balloon payment at the end of my term or if I decide to sell my how to get out of my troubles. I couldn't believe it because I was never informed verbally that I would have this balloon payment. The worse part about is that I owe more now than when I first applied for the modification. Its at least {$200000.00} more than what I originally owed. I am very upset and asking how is this suppose to help me when I now owe more than what my original loan was for back in XXXX. It doesn't seem fair when I was looking for help back then to make it worse now. If I want to sell my house to help me with getting rid of the debt and buy something smaller I can't no money in it for me to start over. I am stuck. Please help?? 

Frustrated, XXXX XXXX
Consumer complaint received 2018-10-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SUNRISE CREDIT SERVICES, INC (NJ)

I found a collections account on my Experian CR in XX/XX/XXXX. It stated it was for an unpaid XXXX Bill that was transferred to  SUNRISE CREDIT SERVICES on XX/XX/XXXX. I checked and my final bill was paid directly to XXXX on XX/XX/XXXX. I called XXXX who stated they did not show a balance nor did they send anything to collections. I submitted multiple disputes with XXXX on XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, or XX/XX/XXXX. 

I sent proof of payment, a letter from XXXX, and additional backup on all occasions. 

SUNRISE CREDIT SERVICES call my place of employment on XX/XX/XXXX and spoke with a receptionist. The collections agency asked for me by name and when asked what the call was in reference to told her they were a debt collector calling about my unpaid cable bill. 

XXXX has repeatedly responded that SUNRISE CREDIT SERVICES " has certified '' to them it was correct, I have requested information on the investigation but they have not supplied them to me. Further SUNRISE CREDIT SERVICES initially reported this debt on XX/XX/XXXX. until recently, after I sent my proof of payment, updated the date of reporting to XX/XX/XXXX
Consumer complaint received 2019-05-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Law Offices of Robert J. Colclough, III (CA)

To Whom it May Concern : I first received a letter from " The Law Offices of Robert J. Colclough , III on XX/XX/XXXX stating that a judgement has been entered against me in regards to XXXX XXXX for the amount of {$18000.00}. I wrote to them to send me verification of this debt as I don't owe this or know anything about it. I sent them a current copy of my XXXX credit report dated XX/XX/XXXX. I received another notice on XX/XX/XXXX demanding payment in 5 days or they would initiate the EXECUTION PROCESS. I then filed a complaint with THE XXXX -XXXX XXXX XXXX ON XX/XX/XXXX. They tried to get a response from them to no avail so my case was closed. 
TODAY- XX/XX/XXXX I received a NEW LETTER FROM THE LAW OFFICES OF ROBERT J. COLOCLOGH , III FOR THE EXACT SAME THING, ONLY NOW, ITS FOR {$19000.00} and it is a different account # than the first letter and a different contact person!!
Consumer complaint received 2017-06-16
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: Mercedes Benz Financial Services (FL)

the lease car  E350 2012 Mercedes Benz  was returned on time after lease was over want me to pay the balance. I want to returned the car not to refinanced or pay off.
Consumer complaint received 2018-08-25
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)

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. XXXX XXXX ( XXXX : XXXX XXXX : XXXX Transunion : XXXX ) XXXX XXXX ( XXXX : XXXX XXXX : XXXX Transunion : XXXX ).
Consumer complaint received 2019-05-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (TX)

I am writing to you because I have been subjected to an increase in my monthly mortgage payment. The increase was done without my knowledge or consent. I would like to dispute the change in the monthly amount. The change occurred for the XX/XX/2019 payment. My mortgage amount was previously {$820.00}, which was a fixed rate. As of now, I am being forced to pay {$880.00}. This is an increase of {$60.00} per month. I appreciate you assisting me with this problem.
Consumer complaint received 2022-03-11
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)

I was the victim of identity theft and have been attempting to resolve issues that have now gone on for several years and there are still some items that the credit bureaus and creditors are not removing. I have filed a FTC Identity Theft Affidavit and provided such to all three consumer reporting agencies and the creditors. 

The remaining items I have not been able to get help in resolving are : 1. XXXXXXXX XXXX XXXX, Acct XXXX, Open XX/XX/XXXX and XXXX XX/XX/XXXX which shows a charge off of {$4200.00}. This is not mine and I have provided all parties documentation of this identity theft. 

2. XXXX XXXX XXXX XXXX : Line of Credit XXXX, Open XX/XX/XXXX, XXXX XX/XX/XXXX, Charge off {$26000.00}. This is not mine and I have furnished all parties documentation. 

3. XXXX XXXX XXXX XXXX : Credit Card, XXXX, Open XX/XX/XXXX, XXXX XX/XX/XXXX, Charge off {$6300.00}. This is not mine and I have furnished all parties documentation. 

4. XXXX XXXX : Credit Card XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, Charge off {$4400.00}. This is not mine and I have furnished all parties documentation. 

5. XXXX XXXX XXXX  : Credit Card XXXX, Open XX/XX/XXXX, XXXX XX/XX/XXXX, Charge off {$14000.00}. This is not mine and I have furnished all parties documentation. 

6. XXXX XXXX XXXX  : Credit Card XXXX, Open XX/XX/XXXX, XXXX XX/XX/XXXX, Charge off {$15000.00}. This is not mine and I have furnished all parties documentation. 

XXXX  XXXX : Credit Card. Do not have the account details. Charge off {$5200.00}. This is not mine and I have furnished all parties documentation. 

I have repeatedly sent copies of my request along with a copy of the Federal Trade Commission Identity Theft Report. Under FCRA Section 605B they have no more than four business days to remove or block. This has now gone on for months and months.
Consumer complaint received 2024-03-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2018-09-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BMO Bank, N.A. (WI)

On XXXX XX/XX/2018, I opened a BMO Harris Smart Advantage checking account. I opened the account online, which stated that the relevant promotional code would be " automatically applied '' if I " applied online now ''. This wording still persists on their website : https : //www.bmoharris.comXXXX Per the terms of my promotion at that time, I was to receive a {$200.00} bonus after ( 1 ) making two direct deposits of {$500.00} or more within 90 days of opening the account, and ( 2 ) ten debit card transactions posting to the account within 90 days of opening the account.

I am eligible for the bonus : - Both of the two direct deposits of {$500.00} posted on XXXX XX/XX/2018. 
- All ten of the debit card transactions posted on XXXX XX/XX/2018. 
- 120 days have passed since opening the account. 

I have attempted to resolve this myself several times : - I spoke with a representative on Monday, XX/XX/2018. I was told to call back at the end of the week. 
- I spoke with a representative on Friday, XX/XX/2018. I was told to call back at the end of the week.

- I spoke with a representative on Monday, XX/XX/2018. I was told that the promotional code may not have been attached to my account. I told them that their website said it was automatically applied, but the representative insisted this did not matter. I was repeatedly asked for this automatically-attached promotional code ( which I eventually did find in an old email ). 

I was also told different terms for the bonus ( saying I needed {$600.00} direct deposits instead of {$500.00} ). I was told there was no qualifying activity on my account when this was clearly not true. In short, I felt like the representative was just saying whatever she could to get me to acquiesce. 

I have met the terms set forth in the opening promotion for this BMO Harris checking account, and as such I am eligible for the {$200.00} bonus. BMO Harris is engaging in deceptive business practices by refusing to honor their own terms.
Consumer complaint received 2017-06-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: HEARTLAND PAYMENT SYSTEMS INC (NJ)

I  was shocked when I reviewed my credit report and found several late payments on my student loans with the dates below : 90 days past due as of   XXXX   XXXX   60 days past due as of   XXXX   XXXX   30 days past due as of   XXXX   XXXX   I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that this was supposed to be in deferment and it did not get processed correctly or the payments I sent in were not registered.
Consumer complaint received 2017-06-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I was shocked when I reviewed my credit report and found late payment on the dates below : 120 days past due as of   XX/XX/XXXX  90 days past due as of  XX/XX/XXXX ,  XX/XX/XXXX  60 days past due as of XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX  30 days past due as of  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX  I am not sure  how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.