davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-29
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: Experian Information Solutions Inc. (AR)

I was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was declined for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. 

COLLECTIONS XXXX {$2600.00} XXXX XXXX XXXX {$700.00} XXXX  XXXX {$4500.00}
Consumer complaint received 2020-04-27
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc. (CA)

Hi I just bought a car in XXXX and my 1st payment was due on XX/XX/2020. Due to the covid crisis I was not able to pay the first installment in XXXX.. I just called my loan company Santander and made the first payment and will be making the next one next week for this month. 

Santander informed me that they reported my payment default to the bureau for my XXXX payment.. I would like to request to clear that out from my credit record as it was not intentional but I was off work because of the lockdown and covid 19 crisis. 

My credit record is new and I dont want to spoil it because of something which was not in my hands. 

Kindly do the needful Thank you
Consumer complaint received 2020-04-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (MD)

Td bank americas most convient bank. turning a fraud victim, into a suspect. 
On XX/XX/XXXX I lost my debit card I didnt report it because I thought I had lost it in the house. 
Then on XX/XX/XXXX town & country called to inform that my check for my rent bounced. So I immediately called customer service to see what was going on and the customer service rep. told me that the account was in a negative balance. So I asked why and she told me about a check that was deposited on the XXXX for {$11000.00} which I didn't deposit. The fraudulent cashier check from XXXX XXXX bank was deposited into my account on the XX/XX/XXXX 2020. based on the regulation E disputes fraudulent transactions started on XX/XX/XXXX. The fraudulent ACH transactions are a total of {$2500.00}. 
The customer service rep. also told me about a whole bunch of transactions I didnt make. The next day XX/XX/XXXX I went to the police station filed a report and then went to the bank to file a claim. After I filed the claim the teller said it would take 15 or more days for the fraud department to investigate. I waited 25 days to go back to the same bank where I filed the claim and the store manager said it takes 45 days for the fraud department to investigate. This the store address XXXX XXXX XXXX XXXX, XXXX  XXXX  MD. after waiting 40 days I never received a response in the mail and no one called me from the fraud department to keep me updated. so today on XX/XX/XXXX I went to the bank at XXXX XXXX XXXX XXXX  to talk to the banker about the fraud investigation and that I wanted to know what was going on because no one had contacted me or sent anything in the mail. Then he told me that my regulation E disputes were denied and that the investigator on my case came to the conclusion that because the pin was put incorrectly the first time, it isnt a fraud. Also denying my regulation XXXX disputes because the pin was put correctly the first time when the check was deposited is unfair because my name and card info could have been stolen at a gas station or ATM by a skimmer device. 
Following this, I will file a complaint to the consumer financial protection bureau because I didn't deposit the check or make all these transactions, or put my account in a negative balance. Plus Td bank was charging me overdraft fees when my account should have been on hold. If the investigator would have looked at the cameras where the check was deposited they could see that it wasn't me. The signature on the back of the check is not mine. I'm being treated like a suspect, not a victim. 
Due to the poor management of the investigation/customer service my account is in $ XXXX which is being sent to collection. 
XX/XX/2020 2020
Consumer complaint received 2020-04-29
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: EQUIFAX, INC. (AR)

I was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was declined for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. 

COLLECTIONS XXXX {$2600.00} XXXX XXXX XXXX {$700.00} XXXX XXXX {$4500.00}
Consumer complaint received 2020-04-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (SC)

On XX/XX/XXXX I made an online purchase from " XXXX  XXXX  XXXX   XXXX XXXX '' for a replacement engine ( 3.3 liter ) for my XXXX XXXX XXXX. On XX/XX/XXXX I contacted Citi Credit Card services to put a hold on this charge as the merchandise had not been delivered, claim # XXXX. On XX/XX/XXXX a delivery of an incorrect item was delivered to the dealership responsible for completing installation. I was notified by the dealer that a 2.7 liter engine for a XXXX XXXX XXXX was sent in error. I contacted " XXXX XXXX XXXXXXXX XXXX XXXX '' and was informed they did not have the correct part I needed in stock and could not give me an estimate of when one would be available. I told them that I would need to look elsewhere for the part as I had no vehicle to drive and asked them to refund my payment and they refused. I contacted Citi Credit Card services and made them aware of the above transactions and to issue a full refund. Citi contacted the vendor and was supplied delivery documents for the incorrect part and refunded the vendor anyway. I contacted Citi Credit Card services by registered mail and by phone numerous times asking for an explanation for their actions and proof that the vendor had satisfied the dispute with documentation. I was told that they would investigate and send me documentation for their actions but only received letters saying the dispute was closed. I have been a Citi Credit Card services customer for 28 years and the first dispute I file is totally mishandled and I am expected to pay {$2100.00} for merchandise I did not receive.
Consumer complaint received 2019-06-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

On XX/XX/XXXX I transferred XXXX from my Fifth Third Early Access Account into my personal checking account. The funds were credited immediately. I went to my local branch on XXXX XXXX in XXXX, Fl and withdrew {$550.00}. I wrote out a check to myself for the amount.The teller, XXXX verified the funds were in the account before handing me {$550.00} cash. I returned on XX/XX/XXXX and made a cash deposit into the ATM at the same branch. I paid several bills when the account was liquid. However, on XX/XX/19 XXXX withdrew {$1300.00} which created an overdraft, Instead of returning the check for insufficient funds, XXXX XXXX paid it by mistake. To cover their error they changed all the dates for all the deposits I made. Next, they reversed all the check payments that were made when the account was liquid and charged me overdraft fees. They also added a fake check # XXXX for another {$550.00}, and they claimed that check was never debited either. XXXX is the real guilty party by creating a document with fake deposit dates. My deposits were made with cash. XXXX XXXX is alleging I owe them {$1100.00}. I spoke with two bank representatives who analyzed the transaction record and admitted the mistake. She told me {$550.00} would be returned to my account within two working days. The funds have never been returned.
Consumer complaint received 2021-10-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SN SERVICING CORPORATION (CA)

SN SERVICING CORPORATION IS NEGLIGENT AND INCOMPETENT AND FAILED TO COMMUNICATE AND FAILED TO PAY MY HOME INSURANCE. THEIR SERVICE IS HORRIBLE AND PUT MENTAL STRESS ON MY WELL BEING. 

THERE IS A LACK OF COMMUNICATION AND RESPONSIBILITY ON THEIR PART, I ALWAYS HAVE TO TAKE THE INITIATIVE TO HAVE THINGS DONE WITH THIS HORRIBLE LOAN SERVICING COMPANY.
Consumer complaint received 2020-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AZ)

Checking my credit report from XXXX? Experian credit services it shows on my credit report that I " XXXX XXXX XXXX paying a second Mortgage to " XXXX XXXX  XXXX. The Only Mortgage that I am paying and I am very current and open and with excellent standing is through XXXX XXXX XXXX Mortgage Acct. # XXXX for XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX # XXXX. 
And the one from XXXX XXXX  XXXX ID Number starts with XXXX ....?? with a balance of {$62.00}, XXXX. Which its NOT MINE MORTGAGE at all! I called XXXX XXXX bank and explained my situation and told to file a complaint through CBPF. Even XXXX XXXX its Part of XXXX  but it is showing a Mortgage that its NOT MINE! Please investigate this matter and get my credit report correct! Please!
Consumer complaint received 2023-03-23
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. (AZ)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX Balance : {$30000.00} XXXX XXXX XXXX Balance : {$30000.00} XXXX XXXX XXXX Balance : {$30000.00}
Consumer complaint received 2020-12-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (AZ)

On XX/XX/2020, I notice there were two pending withdrawals from our Mortgage Company, Freedom Mortgage from my bank statement. I immediately called Freedom Mortgage to let them know about the two payments pending instead of just the 1 payment. They told me to wait until the payments went through. Then I would need to send them the bank Statement showing the withdrawal. Freedom Mortgage then stated it will take 10 days to return my money back to my bank account. I called my bank, XXXX XXXX in order to stop one of the pending withdrawals. They also told me they could do nothing until the payments went through. 
Today, XX/XX/XXXX Freedom Mortgage allowed the transactions to go through and withdrew the 2 payments {$1200.00}, instead of 1 payment of {$1200.00}. I immediately had to drop what I was doing and go to XXXX XXXX in order to dispute this transaction. Our reference number can be given upon request or you may contact XXXX XXXX. XXXX did however, return the {$35.00} for insufficient funds. 
We have tried to Call Freedom Mortgage and was put on hold for almost 1 hour before the call was cut off. My wife even tried to call the Corporate office in New Jersey but they were closed. Due to Covid we have very little savings ; It is Friday afternoon we can not reach anyone at Freedom Mortgage to dispute this. They said yesterday, it will take 10 days for our money to be returned. This is XXXX, ( XXXX ), our grandkids are coming to visit for 3 weeks ; I will not get paid again until XX/XX/XXXX. We are VERY short on funds and we have very little money for food and gas. We can not wait 10 days for Freedom Mortgage to return our funds. We have other bills to pay. These bills are coming due and Freedom Mortgage has put us in a very difficult predicament! Therefore, we CAN NOT wait. We need our fund released immediately!
Consumer complaint received 2020-04-29
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: Experian Information Solutions Inc. (AR)

For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were so many accounts open under my name. It is a real upsetting situation that this has happen to me and the outrageous amount of accounts from my report as soon as possible. They do not belong to me.
Consumer complaint received 2020-08-29
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

on XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. to this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I dehand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (FL)

Equifax is reporting to the Credit Grantors old erroneous information to my creditors that is negatively affecting my credit in violation of the FCRA. 

They recently on XX/XX/XXXX sent a notice to XXXX that I had a collection/delinquency when I have no new delinquency or collection since the CHapter XXXX I have is exactly 5 years old since discharged. 

THere is nothing negative on my credit file since the filing on XX/XX/XXXX over 5 years ago. 

They are violating my rights and ruining my credit worthiness and bringing down my credit scores with false and erroneous data.
Consumer complaint received 2023-01-20
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (MN)

I had an foreclosure on my property in 2012 I was told if I move out on the house that they would pay my moving expenses. I went too court too let them know I'm moving. When I was ready to move they didn't pay me the money they promised.
Consumer complaint received 2020-12-09
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (NC)

On XX/XX/2020 I was served with a Civil Summons under file # XXXX in the state of North Carolina XXXX County by Plaintiff MIDLAND FUNDING LLC c/o XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX NC XXXX for an old XXXX XXXX  account that was purchased by Midland Funding LLC. I was never notified of the sale of the debt between Midland Funding LLC and XXXX XXXX  and now Midland Funding LLC has threatened to sue me and place a judgement on the account on my public record file. I am a NC commissioned insurance agent and must report all civil or criminal issues to the Insurance Commision and can loose my license over this matter. I went to XXXX Co courthouse to file a answer to compliant on XX/XX/2020 and request further information and full disclosure of all transactions on the account. I reached out to the law offices of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX at ( XXXX ) XXXX to attempt to get a settlement agreement and was told that they offer no agreements and if I still make payment they still will be place a 10 year judgement on my public record. I spoke with a supervisor XXXX and was advised that even if I do settle I must sign their consent form that allows their law office to place a 10 year judgement on my records. This should be against the law somehow. I contacted other debit collectors and have never had this situation happen before. I am try to refinance my home and as a new agent I haven't been able to gain full time employment during the pandemic. Now I'm faced with charges on my public record and unable to refinance due to this issue with this lender. Please help me I am now awaiting a court date since I am choosing to go to court to see a judge regarding this issue.
Consumer complaint received 2020-08-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (NJ)

You're all set! We've received the item ( s ) listed below and we're refunding your account. Thanks for shopping at Macy 's. 
Order # : XXXX Order date : XX/XX/2020 Payment method : Visa XXXX Refunded amount : {$110.00} SHOP MACY 'S Item ( s ) XXXX XXXX XXXX XXXX XXXX Qty : 1 Color : Tan/Gold Type : HANDBAG {$100.00} Order total : {$100.00} Shipping : FREE Sales tax : {$7.00} TOTAL : {$110.00} Featured help topics MAKING CHANGES AFTER ORDERING CANCEL ORDER WHERE IS MY ORDER? 
FREE RETURNS MORE ... 
Have questions? Contact Us XXXX i received no refund no one answers CS and i try to email your email does not work please refund.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I am writing to file a formal complaint against Experian for violations of my rights under the Fair Credit Reporting Act ( FCRA ) and the Privacy Act of 1974. Despite my filing a dispute and providing clear instructions to update the information on my credit report to include only one name and one mailable address to prevent fraud, Experian has failed to do so, in direct violation of FCRA regulations. 

Under 15 U.S. Code 1681i ( a ), consumers have the right to dispute inaccurate information on their credit reports and request that the information be corrected or deleted. I exercised this right by filing a dispute with Experian regarding the unauthorized aliases and non-mailable addresses on my credit report. However, Experian has failed to update the required information properly as requested, thereby violating FCRA regulations. 
The Privacy Act of 1974, specifically 5 U.S. Code 552a ( e ) ( 2 ), establishes safeguards for individuals ' personal information held by federal agencies. It mandates that agencies must obtain consent before disclosing personal information, except in certain specified circumstances. Experian, as a consumer reporting agency, holds sensitive personal information about individuals, including credit history and identifying details. 
By disseminating inaccurate information about me without my consent, Experian has violated 5 U.S. Code 552a ( e ) ( 2 ) of the Privacy Act, which requires obtaining consent before disclosing personal information. Their failure to update my credit report as instructed has resulted in the unauthorized disclosure of inaccurate and potentially harmful information, infringing upon my privacy rights under the Privacy Act. 

Furthermore, Experian 's actions not only jeopardize my privacy but also have far-reaching consequences for my financial well-being and reputation. The inaccurate information on my credit report can affect my ability to obtain credit, housing, employment, and other essential services, causing significant harm and distress. 
I have attached documentation supporting my dispute with Experian and the instructions provided to update the information on my credit report. Despite my efforts, Experian has failed to comply with FCRA and Privacy Act regulations, and I continue to suffer the consequences of their negligent reporting. 

In light of the foregoing, I respectfully request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate enforcement action against Experian for their violations of the FCRA and Privacy Act. I also request that Experian be compelled to promptly update the information on my credit report as requested and provide me with a corrected copy of the report. 

Thank you for your attention to this matter. I look forward to a prompt resolution of my complaint.
Consumer complaint received 2020-08-06
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)

im a victim of identity theft there are several accounts on my credit report that ive disputed but the credit bureaus have not removed these accounts ive filed a report with the ftc and a police report as well
Consumer complaint received 2020-10-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: WELLS FARGO & COMPANY (MI)

In XXXX of XXXX, I rented a car from XXXX XXXX XXXX XXXX in XXXX XXXX, CA. They rented me a severely damaged car. Before I returned the car, they charged my Wells Fargo credit card for damages. Then they stated I caused the damage, even though it was damaged when I rented it. They charge me before they even saw the returned car. This is a scam run by the rental car company. 

My Wells Fargo credit card has fraud protection. I disputed the charges. They person I spoke to at Wells Fargo in the dispute department agreed that it was fraudulent. The charges were refunded. In XXXX of XXXX, I closed the credit card. In XXXX of XXXX, after the card had been closed for several months, they charged my closed credit card for the amounts I was disputing. 

Posting date/charge : XX/XX/XXXX : {$240.00} XX/XX/XXXX : {$200.00} XX/XX/XXXX : {$300.00} XX/XX/XXXX : {$200.00} I have attached my most recent statement showing the credit card is closed and transaction history showing the charges.
Consumer complaint received 2020-11-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have been patiently trying to result my disputing matters with the company but I am getting the run arounds, computer-generated responses and they have failed to provide me with my following requests sent to them by certified mail on, XX/XX/2020, XX/XX/2020 and XX/XX/2020.