davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I had fraudulent charges on my XXXXXXXX XXXX business card. Attached is the police report. 
Both XXXX and XXXX were punctual about getting this removed. I had an XXXX credit score before this and have never missed a payment in my life. However, Experian still has yet to get this done and needs to asap. Its affecting the purchase of me and my wife 's home. 

We noticed these fraudulent transactions when we were making our monthly P/L statement. It is clear as day these charges were outside of our typical scope of purchase. The business cards were very rarely used for anything outside of purchases that were made online or via internet application. As soon as these charges were recognized it was immediately called into the XXXX XXXX  and they were reversed. However, on the original call a few of the smaller charges were missed. This was simply focusing on amending the initial discrepancies noticed ( of course that being the larger transactions ). The mindset was as long as the bigger issues were taken care of we were willing to take the loss on the smaller ones, not realizing this would have cause any issues. XXXX XXXX then caught this randomly and rebilled everything because we didnt claim the smaller transactions initially. They requested we do a police report, so we did. We reached out to XXXX XXXX ( spent a total of probably XXXX hours on the phone with the bank at this point ) and they opened an investigation. We contacted all the merchants directly and none of them worked with us. Apparently one of the merchants ( a strip club ) the fraud took place told the bank that they ID before letting people use the card. We contacted the merchant and they provided no copy of an ID or anything. They clearly lied to the bank to keep the money. Now XXXXXXXX XXXX is refusing to refund these charges ( totaling almost $ XXXX ). The banks response after submitting a requested breakdown of every transaction and police report was that we needed additional documentation. I asked what documentation could I could I possibly come up with as I have submitted every document possible and done everything possible.
Consumer complaint received 2023-05-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (MD)

To Whom It May Concern : I'm a recent victim of identity theft and fraud. I recently reviewed an extensive copy of my credit report included dark web alert ( s ) with the intention of trying to improve my credit and take care of my responsibilities and noticed XXXX XXXX XXXX XXXX XXXX XXXX that I wanted a little more explanation on, and it needs to be deleted/removed from my credit report. I also recieved an alert on my experian account that a recent account has been opened with my social security number at XXXX  XXXX XXXX, The claim # is : ( XXXX ) that does not belong to me. Please help. 

THIS ACCOUNT LISTED BELOW IS NOT MINE. I ALREADY FILED A IDENTITY THEFT REPORT & POLICE REPORT WITH MY LOCAL POLICE DEPARTMENT AND FTC.GOV. 

FTC Report Number : XXXX THE POLICE REPORT # : XXXX I DEMAND THESE ACCOUNTS LISTED BELOW THEY NEED TO BE DELETED/REMOVED OFF MY CREDIT REPORT IMMEDIATELY!. 



FRAUD ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX delete it from my credit report, XX/XX/2023 Thank you for your time and help in this matter. Sincerely, XXXX XXXX XXXX XXXX.
Consumer complaint received 2016-12-21
Product: Credit card — 
Issue: Transaction issue — 
Company: U.S. BANCORP (TN)

I answered an email for at home work opportunity, posting links. I was quickly talked into setting up a business and paid {$9800.00} to begin. After several coaching sessions ( 30 min ) with assignments ( lining up products, etc ). I was asked to pay for a blog. I never made a penny out of this. They said they would also promote my website, increase my sales and traffic. I terminated my services after contacted by XXXX. All these companies were calling me offering an online related service and asking for money.
Consumer complaint received 2023-03-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (GA)

First let me say I have tried several times to work with the bank about my account and they will not help me. My purse and phone was stolen and someone stole the money from my account I have emails showing where someone from another state logged into my account from a different device and I sent my bank the emails the bank also sends me text messages along if I am the one trying to use my card and I reply no and they still will not help me. I have XXXX  XXXX and XXXX XXXX and have lost my home because of this and having to sleep in a tent and I'm getting very sick. Please someone help me. This complaint is with Chime bank.
Consumer complaint received 2021-02-15
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Bread Financial Holdings, Inc. (MA)

1. XXXX  and XXXX  aren't reporting my monthly payment on my student loan.

2. XXXX  has on my credit report " Potentially Negative Account '' flagged on a lot of my credit accounts even if I was late 1 time.

3. XXXX has an address listed that I never lived at 4. I can't submit a dispute report to XXXX  at all. Very Difficult 5. XXXX has that I have 10 charge off 's on 1 XXXX XXXX  Account, I thought you could only chare off an account 1 time. 

6. XXXX has another XXXX XXXX  Account of mine saying I charged it off 13 times which is inaccurate. Should only be 1 time. 
7. XXXX  has an account of mine, XXXX XXXX is reporting that I have 2 charge off 's and that's inaccurate. 
8. XXXX XXXX is reporting that I was late 6 times and that is inaccurate 9. Information is not being updated on my XXXX  Credit file from XXXX  and XXXX.
Consumer complaint received 2018-06-16
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CL Holdings LLC (WA)

XXXX XXXX XXXX XXXX XXXX, placed a collection on my credit report on XX/XX/2018 from a old XXXX XXXX debt. The account was already previously removed from my credit report and they some how were able to place it back on without sending me any written notices or letters. I have never received an official document from them. When I did dispute the collection they then threatened me on the report saying Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department. But I still have not actually received any official letters or documents from them.
Consumer complaint received 2023-09-28
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIRST CITIZENS BANCSHARES, INC. (NC)

I noticed on XX/XX/28 that First Citizens bank has been charging me {$10.00} for last 9 months like I didn't have above {$1000.00} in my account. It is a small money market account that I don't really touch or look at much but I tried cashing a check today and I noticed balance was {$910.00} and when I called the bank they explained the fees and they admitted they were errors but they said it is my responsibility to keep up with those and they can only credit back {$10.00} for this month. I got upset as this is not right and to avoid more incorrect fees I went to the branch and when they didn't offer the solution I closed the account. Hoping to recover {$90.00} they stole from me.
Consumer complaint received 2016-05-20
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (CA)

Hello, My lender ( Freedom Mortgage ) has raised my monthly payment amount {$450.00} due to they are stating my yearly property taxes are {$9300.00} and my yearly property taxes are only {$4600.00} ( my property taxes are impounded ). I want them to adjust my yearly property taxes and adjust my mortgage payment. I have submitted my tax statements and an online print out from the Tax Collector to my Lender several times and they are refusing to make correction.
Consumer complaint received 2024-03-01
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)

To whom it may concern : I am writing to inform you that I have received a copy of my credit report and it has come up with some errors. You reported several wrong personal identifiers in the file, which may jeopardize my identity if they are not changed immediately!

I want this resolved as soon as possible so please remove all inaccuracies from your records before any bad consequences happen because these things can really harm someone's life. 
My only name is XXXX XXXX, I do not have another name or alias. I insist that you remove all names from your system that do not match XXXXXXXX XXXXAlso, my current address XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX! I am requesting that the information in my file be updated to reflect only my current correct address. Any address that you have on file for me that deviates from XXXX XXXX XXXX XXXX XXXX XXXXXXXX is not accurate and should be removed immediately. 
I also ask that you remove any employers and phone numbers associated with my credit report. I do not AUTHORIZE you to retain or report any information, which consists of unverified claims about myself being potentially outdated or inaccurate. 
Please do not use old or incorrect information about me. I understand that you must complete this update within 30 days of receipt of my letter, which means it's imperative we get everything accurate. 
I look forward to your written response confirming your compliance on this matter as well as an updated credit report. 
Sincerely XXXX XXXX Please send your written response to my address of XXXX XXXX XXXX, XXXXXXXX XXXX XXXX
Consumer complaint received 2022-08-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc. (NY)

On XX/XX/22 through XX/XX/22 17 charges for {$95.00} had been made to my card.I did not make these charges or authorize them in any way. It is impossible to get connected with comenity bank at the number on the statement. XXXX. I have called multiple times and can not get an answer. It just disconnects.
Consumer complaint received 2021-05-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings (TX)

I have been disputing this account with the credit bureaus for sometime now. Each time they would say that IQ Data International would verify the debt. So I took it upon myself to ask IQ Data International for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/XXXX. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
Consumer complaint received 2019-06-12
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. (NJ)

AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.
Consumer complaint received 2023-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

Three credit reporting agencies- Experian, XXXX and XXXX are incorrectly showing my XXXX XXXX XXXX loans as open. I applied for public service loan forgiveness and on XXXX all of my loans were transferred from XXXX to XXXX which should have resulted in a closed account with {$0.00} balance for my XXXX account XXXX That did not happen. For about 5 months, my loans were " double reported '' - incorrectly showing the same loan balance twice. For example, if the total student loan balance were {$100000.00}. My credit report incorrectly showed a total of $ XXXX {$100000.00} for XXXX and {$100000.00} for XXXX. 

In XX/XX/XXXX, my student loans were forgiven under the public service loan forgiveness program. My credit report was partially updated and no longer shows a balance for XXXX. However the incorrect XXXX information which should have been updated to {$0.00} in XX/XX/XXXX is still showing. I filed disputes with the credit reporting agencies and they are not removing the incorrect information. Prior to the dispute, the last update from XXXX is XX/XX/XXXX. I do not know what steps I can take.
Consumer complaint received 2019-06-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation (CA)

I have had YEARS of trouble working XXXX mortgage now PHH. I'd like to SPEAK to a loan servicer regarding a refinance and/or mortgage pay off. I DO NOT want to go online and gather information but SPEAK to a human being and ask specific questions and get specific answers. That said, I've waited a total of 2 hours and 5 minutes over the last 2 days to speak to someone. According to PHH, there is, " a high volume of calls so the wait time will be lengthy. '' REALLY?? over two hours?? People have to work and not wait to speak to someone!!! Of course, if one was NOT to pay their mortgage, I'm certain they would be banging down the door to get paid. This company has been a thorn in my side for years because the lack of being able to quickly and directly talk to someone regarding very important finances. I recommend that NO ONE should ever have their mortgage serviced by XXXX/PHH, but then again, mortgages are often sold and consumers don't have a choice in the matter. This has been the WORST financial company I have ever dealt with and they should be ashamed about how they treat their customers.
Consumer complaint received 2022-10-26
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

I applied for the mortgage on XX/XX/XXXX. Over the past two months, I have provided all of the documentation that USAA has requested and more. At every turn, they come back and say they are unable to approve my mortgage for one reason or another. I problem solve, come up with a solution, submit additional documentation and they repeatedly find new reasons to deny the mortgage. I have paid one extension fee of {$550.00}, tried escalating to a manager and I am still getting the run around. The most recent reason they have provided is that I do not have enough money in reserves. The documentation I have provided shows that I clearly have enough money in reserves. I am hoping by filing this complaint, that the CFPB can look into this and determine if USAA handled things appropriately,
Consumer complaint received 2019-06-12
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

I been getting around 8 calls per day to my cellphone, work and coworkers about a loan and keep getting automatic calls from a XXXX area code and saying they are federal agent and to contact them and leaving voicemail that there have a warrant and even gave me a docket number from court on voicemail. started on dates XX/XX/2019 and have been going on from them on.
Consumer complaint received 2019-06-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CO)

I submitted a complaint in XXXX regarding this same issue. 

In XXXX, right after my husband passed, I reviewed our finances and noticed that our loan amount was way off and did some research and figured out there was a fraudulent claim from Wells Fargo Mortgage. I have attachments to show proof. 

I'm attaching a document that is a request for release of deed of trust and release to the public trusty showing that we refinanced which we never refinanced. I did some research and the signatures are from XXXX XXXX and XXXX XXXX which you may know are part of the fraudulent cases out there. 

Another document that I am attaching today is a promissory note, according to Wells Fargo. There are two copies, so I'm not sure which one is the legal or if either are, for that matter. Please help me understand these " legal '' documents from Wells Fargo. 

I have two copies of disclosures that I am attaching. One was sent via mail from XXXX XXXX, a Wells Fargo agent, the other document was faxed to XXXX XXXX, when I went into the local office with questions. The two copies have different information about our so called refinance, which we didn't acquire. The copy from XXXX states that the amount of XXXX was given to my husband directly. The other copy that was faxed to XXXX XXXX states that XXXX was the amount of disbursements. Also, this document shows the amount of {$12000.00} was paid to Wells Fargo Accept. Where did amount come from and what is it for? 

Next, are checks that Wells Fargo claims are proof of our refinance. I don't understand these amounts and I need an explanation. We never refinanced. We borrowed {$15000.00} for a credit card. Since that day, somehow in XXXX, our home mortgage loan went from the amount of {$100000.00} to {$160000.00}. {$100000.00} plus the amount of {$15000.00} that we borrowed does not equal {$160000.00}. This is not correct and I need help. Wells Fargo claims that the same day we borrowed the {$15000.00}, we also refinanced. We did borrow, but we did not refinance. 

The last two attachments are from IRS showing our income, if it helps. 

I filed bankruptcy Chapter XXXX, and my house payment is about {$2000.00} monthly and I am trying to hold on to our home. Please help me. 

Thank you. I'm looking forward to hearing back from you soon.
Consumer complaint received 2022-10-26
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. (FL)

I have tried contacting each credit bureau to dispute these inquiries that are identity thief. 

XXXX XXXX  ( Bank ) XX/XX/202XXXX XXXX XXXX XXXX XXXX Finance ) XX/XX/XXXX XXXX XXXX  ( Bank XXXX XXXX XXXX XXXX Finance ) XXXX XXXX ( Finance XXXX XXXX XXXX ( Bank ) XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XXXX ( Finance ) XXXX XXXX ( Finance ) XXXX XXXX ( Finance ) XXXX XXXX ( Finance ) XXXX XXXX ( Finance ) XXXX XXXX ( Finance ) XXXX XXXX ( Finance ) XXXX XXXX ( Finance ) XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 I have attached my identity report
Consumer complaint received 2022-10-26
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: Security Credit Services, LLC (NY)

I5 USC I681 section 602 states that You have the right to privacy ' 15 usc I681 section 604 ( a ) Subsection 2 states that A consumer reporting agency can not furnish an account without your written instruction 15 uSc I666 ( B ) A creditor may not treat a payment on a credit card account or open end consumer credit
Consumer complaint received 2019-06-12
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (UT)

I have not received any responses form Experian, XXXX nor XXXX. I have sent them everything they need, and I have received no response. They are required to respond to my disputes in a timely manner.
Consumer complaint received 2023-08-20
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. (CA)

I am leasing a car from Santander consumer USA, During COVID I lost my job so my payments became harder to make on time, I contacted Santander to change my payment days to match with my paydays and I was also charged more interest. I try and keep track of my bills but feel like these payments and interest being added is robbery and I wish to have it discharged. Also all late payments legally are not to be submitted and they were and have hugely impacted my credit report making it impossible to get any type of debt consolidations to help pay down or discharge my lease payment altogether. I want to know what Santander 's privacy and consent protocols are and want all late payments removed from my credit report immediately.
Consumer complaint received 2022-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (TX)

SynchronyBank has sold this account with my name attached, to three debt collectors in the last 2 years. These debt collectors have each reported this debt to the credit reporting agencies and I have had them research and delete the account from my report. But in the mean time it is hindering my ability to purchase anything on credit, as it hit my credit score for a negative XXXX points. 
I have paid off this card and closed this account on XX/XX/2020. Attached is the payment history and last payment of the balance as of XX/XX/2020. The payment history shows no late payments. The amount paid is the amount that was agreed upon in the contract, at signing.
Consumer complaint received 2023-08-21
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: CAPITAL ONE FINANCIAL CORPORATION (OH)

On XX/XX/2023. Capital XXXX bank pulled my credit report without my concern and knowledge.Same issue happens on XX/XX/2023. These XXXX inquiries by XXXX was done without my knowledge.The credit inquiry listed below is unauthorized and I have attempted multiple times to contact this company directly to have them remove them and havent received a response.