davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (NY)

This is a complaint against Citibank for grand larceny happened to my checking/checking plus account XXXX OnXX/XX/XXXXwas falsely enrolled with XXXX by compromising my profile- phone # and e-mail address. 
On XX/XX/XXXX and XX/XX/XXXX six transfers total {$4200.00} has been made to recipient XXXX XXXX at XXXX XXXX XXXX and to cover overdraft additional {$3700.00} has been transferred from checking plus to checking account On XX/XX/XXXX I found scam and called Citibank at XXXX and case XXXX was opened The same day on online message center I found info about all above mentioned actions. Message dated XX/XX/XXXX - date of first fraud - tells that Citibank " ... identified possible fraud ... have placed account in restricted status ... prohibiting from completing transactions on Citibank online ... until we speak with you. '' The fact is that nothing has been done -account wasn't blocked and no call or any kind of mail sent to me. 
Instead of real investigation on XX/XX/XXXX Fraud Department posted on line message that " ... we have concluded that the transfers must be considered authorized and as a result we ///unable to process a refund to your account. '' On XX/XX/XXXX police report was issued and subpoena sent to Citibank. Next day I called Citibank and requested extended investigation but I didn't get reference number. On XX/XX/XXXX after five months of waiting I called Department of Identity Theft at XXXX. The last agent I spoke with during 50 minutes call asked me to wait while he will take a look at this case but soon after that line was disconnected. 
Now I ask your help in real investigation as beside loss on checking account I pay off credit with interest for which I didn't apply and finally my losses would be around {$10000.00}. All talks with Citibank were done by my husband XXXX XXXX phone ( XXXX ) XXXX, whom I authorized to represent me as my spoken XXXX is weak.. All Citibank messages between XX/XX/XXXX and XX/XX/XXXX are at my disposition and may be provided to you.. 
With regard, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX
Consumer complaint received 2022-01-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo Bank posted someone else 's check to my business account on XX/XX/XXXX. My business account is for my business called XXXX XXXX XXXX and carries this title on the account, not even close to the check attached which says " XXXX XXXX '' as you will see. 

I reported the bank error to Wells Fargo by phone on XX/XX/XXXX, and spoke with their fraud department. They verbally acknowledged the check did not have my account number, or my name on it, and that it was clearly a bank mistake. The representative even said the account number was close to mine, but not my account number. There was no question, this was a posting error by Wells Fargo Bank which was investigated immediately during my phone call with their fraud department on the XXXX of XX/XX/XXXX and this was reported to me during that call as a confirmed bank error. 

They proceeded to open a claim and push it through their 10 day process and noted the transaction as " don't remember this transaction '' and are holding my money for 10 days while they allegedly research the transaction, citing Regulation E. 

Clearly I don't remember the transaction because it's not my check. 

I believe Regulation E indicates the following : " ( 1 ) Ten-day period. A financial institution shall investigate promptly and, except as otherwise provided in this paragraph ( c ), shall determine whether an error occurred within 10 business days of receiving a notice of error. The institution shall report the results to the consumer within three business days after completing its investigation. The institution shall correct the error within one business day after determining that an error occurred. '' Note : Wells Fargo determined an error occurred when I phoned them on XX/XX/XXXX. 

As of today, XX/XX/XXXX, it has been 5 days since the initial report and completion of investigation that determined it was a bank error. Wells Fargo has failed to reverse their error. 

I phoned the bank and spoke with XXXX who told me she was an accounting major and that they had 10 days per Regulation E to research my claim. 

I feel that Wells Fargo is employing uninformed staff and that they are mis-representing the situation and are holding my money for 10 days when it was clearly their mistake, and they completed their findings during my initial call on XX/XX/XXXX and acknowledged their error to me. 

The check is small, but I fear that this type of mis-handling of my funds at Wells Fargo could easily happen for a larger amount that would impact my working capital for my business as this happened on my business checking account. I have concerns about Wells Fargo 's process that would allow another person 's check to post to my account, and their lack of timely response for resolution.
Consumer complaint received 2021-05-17
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Specialized Loan Servicing Holdings LLC (NC)

Specialized Loan Servicing, LLC took my HELOC loan over on XX/XX/XXXX. The outstanding principal balance was {$49000.00} before the loan was paid in full on XX/XX/XXXX. The interest due for the 20 days there was a balance is {$140.00} based off the SLS daily interest rate of {$7.00} X 20 days. 

On XX/XX/XXXX I made a payment with XXXX XXXX XXXX which was the original loan holder of {$300.00}. {$77.00} was applied to the principal and {$220.00} was applied to interest for the period of XX/XX/XXXX thru XX/XX/XXXX. On XX/XX/XXXX, SLS, received a wire transfer to pay the balance of my HELOC to a {$0.00} balance. The wire was in the amount of {$49000.00}, leaving a credit on my account of {$170.00} XXXX {$49000.00} - {$49000.00} XXXX. 

In short SLS, owes me {$240.00} Specialized loan Servicing, has continuously misrepresented the billing history and continues to move numbers around to say I owe money and has sent delinquent notice to the consumer reporting bureaus during the in which we are disagreeing with the companies billing. The right afforded to us have been violated and SLS refuses to dedicate any person to accurately review our account. We have been in a dispute with SLS, since XXXX of XXXX.
Consumer complaint received 2019-08-07
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: Navient Solutions, LLC. (IN)

Navient has been reporting on my credit ( co-signed. ) My son has gone round and round with them about application of the payments he has made. They have in the past called me with threats to seize property or sue me. They were informed, at the time of job loss, for both the primary and the co. They have reported in error and have been one sided in details, even after trying to resolve and bring account current. Because of their bully  approach I now avoid giving my phone number or email address and require mail only. I would like to speak with them but they make it unresolvable to have a conversation. 
I had perfect credit and when they decided to put this on my report, this one account has dropped my score 200 points. Why would one account be so impactive when you have all the others excellent? I am upset and lacking confidence in student loans going forward. If this is the process for obtaining help to receive an education why would someone proceed? 
Who is stand in the gap for me and my son? I need help.
Consumer complaint received 2022-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (WV)

All credit reporting agencies are missing monthly status reporting history from over XXXX student loan accounts, credit cards and missing correct address information and its not producing a credit score even when viewing with credit freeze code and/or temp lift to view report.
Consumer complaint received 2022-01-27
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: Experian Information Solutions Inc. (NY)

Choose according to account type. These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2021-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I saw 3 " Hard Inquiries '' listed on my credit reports that I do not have any record or recollection of authorizing. They are all dated in XX/XX/2019. I would like them removed and the fraud, if found, investigated.
Consumer complaint received 2021-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I saw 3 " Hard Inquiries '' listed on my credit reports that I do not have any record or recollection of authorizing. They are all dated in XX/XX/2019. I would like them removed and the fraud, if found, investigated.
Consumer complaint received 2022-04-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (CA)

I have reached out to LVNV DBA Resurgent Capital three times in writing requesting Validation of Debt. They have not responded once. I have a thorough and detailed paper trail providing my extensive written efforts and their lack of abiding federal law and the Fair Debt Collection Practices Act. 
My original request is dated XX/XX/2021 My second request is dated XX/XX/2021, and my last attempt for Validation was XX/XX/2021 I have taken all legal steps to obtain validation and clarification of XXXX debts they are actively collecting but they have not once responded. 
I remain confused and have not been able to achieve a resolution. 
The debts they are reporting are not mine and they are not validating.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

For the last 90 days I have been repeatedly disputing these illegal/fraudulent accounts that was obtained without my knowledge and consent via XXXX, Equifax, and XXXX. I have always lived at XXXX XXXX XXXX XXXX XXXXXXXX. Someone illegally obtained my information and opened fraudulent accounts and used apartment number XXXX XXXXXXXX which I have NEVER lived in that apartment unit. 

With the help of a friend I was able to identify what accounts were illegal in my name. Currently I Have 1 inquiry on XXXX, and I have 0 inquiries on XXXX and Equifax as I am able to lock/freeze my report now. 

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  Please this has been a very tedious process! I have a new company opened I am very VERY responsible. I am being held back with these illegal accounts!!!!!!! 


XXXX  Assigned : XXXX Legal Name : XXXX XXXX XXXX XXXX The three following accounts is totally illegal/fraudulent! It should have never been opened in my name. Please remove the three following accounts from my credit report. It's hampering and messing with funding for my new business that I just launched as well as a future mortagage. These Accounts are illegal! I've been fighting this for the last 90 days please help. These accounts are not mine and I am going to continue repeatedly to dispute until these negative/fraudulent/illegal items are removed off my credit report ( XXXX, equifax, XXXX ) *********ILLEGAL/FRAUDULENT CREDIT CARDS*********** XXXXXXXX, Equifax, XXXX XXXX XXXX XXXX Balance {$150.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX Balance {$57.00} Date Opened XX/XX/XXXX XXXX  XXXX XXXX Balance {$13.00} Date Opened XXXX XXXX All three of these illegal accounts were opened within a 30 day time period which I had NO KNOWLEDGE! ABSOLUTELY NOTHING! I have done my homework these accounts are illegal and holding me. Please remove these 3 items off all 3 bureaus as soon as possible. Thank you! Its not fair these are not my accounts!! Its already hard enough in America as it is but for someone to illegally obtain stuff in your name without a consent is beyond ridiculous. I am not responsible for anything thats fraudulent *********ILLEGAL/FRAUDULENT CREDIT CARDS*********** **XXXX Equifax, XXXX** Please this has been a very tedious process! I have a new company opened I am very VERY responsible. I am being held back with these illegal accounts!!!!!!! 

XXXX Assigned : XXXX Legal Name : XXXX XXXX XXXX XXXX My company above which is in my name is behind held up for funding because of illegal items on my report. Please help! 

XX/XX/XXXX
Consumer complaint received 2022-04-11
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. (FL)

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX and Account # XXXX on Transunion has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In reference to Account # XXXX I have sent XXXX Certified letters over the past 6 months disputing their claim on this alleged account. Transunion has yet to send me the proof I continue to ask of them, and this is violating my rights as a consumer and under the FCRA. I have enclosed a copy of the last letter sent to them. 

I have also fell victim to improper use of my social security to submit hard inquiries to Banks I have never done business nor attempted to do business with. Below is that list of inquiries : XXXX XXXX  XX/XX/2021, XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021, XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX  XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX  XXXX XXXX XX/XX/2021 I ask for help in removing these blatant errors that Transunion refuses to show me proof of.
Consumer complaint received 2021-05-17
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. (TX)

I have sent several letters to the reporting agency with no prevail. When i sent these letters I will attach the letters I have sent. 

After the letters was sent I have not received an response from either bureau. 

I have sent several letters for accounts to be verified and validated with the credit bureaus. 

Not only have I not received a notification stating that they accounts would be looked into for their accuracy for reporting, For the following accounts : Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX I simply asked for these accounts to be verified as mines. 

This is over the course of 4-6 months.
Consumer complaint received 2022-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (UT)

My credit union sent a request to Experian to remove a duplicate inquiry they did in error in XXXX. The inquiry remains on my credit with no sign of correcting it. I ran my report today to find it still showing. I gave them plenty of opportunity to remove it yet they didn't. In addition the balance on my credit card is off by {$100.00}. They need to get that corrected too! If they do not remove the inquiry I will sue them, it's as simple as that.
Consumer complaint received 2021-05-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

My card was taken by a family member and was charged {$320.00} and I tried filing twice with Wells Fargo and they claimed there's not enough evidence to say it wasn't me. I tried explaining I did not give permission to use the card and they simply said because it's a family member it's my problem.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

To whom it may concern, this correspondence is being submitted to verify the fact that I, XXXX XXXX, would like to have specific information deleted from my credit report, due to the fact that I have been a victim of identity theft ; The charges in question were not made by me. I am respectfully requesting that these items be permanently removed from my credit report. I have complied with reporting the theft of my identity to the Federal Trade Commission. I also have copies of the Federal Trade Commission 's Identity Theft Affidavit. To review your records. As stated previously I am requesting to have the said Items removed from my credit report in a timely fashion. Thanking you in advance for your attention to this matter.
Consumer complaint received 2022-01-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Transfinancial Companies, Inc (LA)

My son went to XXXXXXXX XXXX XXXX XXXX in XX/XX/XXXX. The ER clerk coded as MV accident, insurance denied it. He fell and had to get stitches in his lip. Not a MV accident. Then they resubmitted through to the correct insurance XXXX  primary XXXX health secondary. I got a bill XX/XX/XXXX which I then called was told they did not have XXXX  information they would resubmit. XX/XX/XXXX XXXX paid the whole claim except for the XXXX which was deductible. I was told they would re submit for XXXX XXXX to cover the XXXX Fast forward to XX/XX/XXXX I get a collection on my account for XXXX for transfinancial in XXXX XXXX Louisiana XXXX. 
No new bill nothing asking to for the money for me to call them since XX/XX/XXXX. I really though it had been taking care of. 
When I call transfinancial employees are so rude and not helpful at all. I have begged them to put me on 3 way with XXXX XXXX XXXX XXXX physicians groups office that does lanes regionals billing. I call XXXX XXXX XXXX XXXX XXXX they dont show me owing that much they show the BCBS adjustments they dont show me owing XXXX they are waiting on XXXX XXXX which I have spoken to and they still havent got the claim yet for the XXXX They have all the notes Im stating. I dont know what to do. If I owe the XXXX fine Ill pay it. But XXXX has sent me explanation of benefits they have done there portion This one account dropped my score XXXX points I have been working on building and correcting. 
Please help. 
Just so frustrated this shouldnt have even went to collections and now Im feel like Im stuck no one wants to help but companies keeps saying its the other one. 

Please please help frustrated mom.
Consumer complaint received 2022-04-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: FISERV INC. (NV)

The company is called Telechek in Georgia. The process checks. I own a business in XXXX XXXX XXXX, Nevada and have been declined by this processing company. Not for any issues we have had on our checking account ( s ) but for the fact that " my check was considered fraudulent because it was written for an amount higher than I normally write. '' I only do a couple checks a month with this company so they have no way of knowing what I write checks for. In fact, I write over $ XXXX worth of checks each month to many vendors. They stated I have no history with them so they can't approve the processing of my checks. They would not call my bank either to confirm the amount was good. How can I build a " history '' with them if they never approve the checks. I asked to speak with a XXXX and they absolutely would NOT transfer me. XXXX XXXX # XXXX ( probably a fake number ) would not transfer me to anyone else. So they have restricted me from doing business with the particular company here in XXXX XXXX and if any other vendor uses this service, I will be unable to conduct business. These types of companies have too much power. They should not be allowed to decide if my checks are fraudulent without any discussion, proof or evidence. I have been in business since 2008 and do not have issues with other vendors because they do not use Telechek.