davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: HUNTINGTON NATIONAL BANK, THE (IL)

On XX/XX/21 I received a letter from the Huntington National Bank of XXXX Ohio stating on XX/XX/21 I opened an Astrick free checking. I called the XXXX number and spoke with XXXX. I told her I never opened any accounts and want that closed! She said, " yeah, we've had problems with fraud. You should have a four digit account number on the letter. '' So I gave it to her, then she said she couldn't open up or close it without my social. Being a retired XXXX XXXX XXXXXXXX I know a little about scams. I told her I would not disclose my social and since she knew about scam and now had the four digit acct ending in XXXX she should be able to cross reference and close it. She became hateful and refused to help other than, " you'll just have to come to a branch. '' When my wife became frustrated and then said to XXXX, " look we live in illinois, he's in not going to drive to XXXX Ohio! You have his name, know you have scans and you have the last four digits of so called account! '' XXXX then became very defensive and when my wife said she'd take this issue to dept of finance and XXXX, XXXX slammed the phone down. We are not disclosing my social on an account we never opened, never put a dime into it. Close it XXXX!!! Now I feel I have to continuously monitor my credit report because of her suspicious reaction.
Consumer complaint received 2018-10-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc (IL)

this accout appeared onmy credit report on XX/XX/2018 I never hearof this company HUNTER WARFIELD in the amount on {$1700.00} it appears on my XXXX XXXX and XXXX credit report. I wa never contected by this company the account just appeared on my credit. it is not my it a fuadlant account and needs to be removed
Consumer complaint received 2021-04-06
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PRIMARY RESIDENTIAL MORTGAGE (CT)

I opened a mortgage with Primary residential mortgage in XX/XX/XXXX. I made my 1st payment in XX/XX/XXXX on the primary residential mortgage website. Little did I know they had turned the servicing of the mortgage over to a company called XXXX XXXX. When I attempted to make my XXXX payment that is when I was informed they are turned over servicing to the other company. XXXX XXXX is showing I never made my XXXX payment so every time I make a payment they apply it to the month before and I have to pay a little early to avoid it showing 30 days late while they are researching what happened to my payment. Which for months they have not been able to resolve even though I have provided proof of the payment to them. Now my credit score just dropped XXXX points and when I look to see why it is because Primary residential mortgage shows on my credit report as an open mortgage and so does XXXX XXXX so it appears I have 2 open accounts I do not. Also now Primary mortgage shows that my XXXX payment was 30-60 days late on my credit report but the XXXX payment was made to XXXXXXXX XXXX. When you attempt to call XXXX XXXX you are routed through 35 minutes to be exact of automated system after automated system just to be put on hold waiting to speak to someone for another 30 minutes. They told me the 1st few times that the payment would be sent over to them and it will clear up on its own. The last time I called they told me I would have to call primary residential mortgage myself to find out what happened to my XXXX payment??? Which I did and they filed a ticket to track it and in the mean time they now show a late payment for XXXX which was paid to the XXXX XXXX XXXX. I need help with this mess. this company is a mess and it should not be my issue as the consumer to track down a payment I made and they screwed up. Falsely reporting a late payment for XXXX which is separate from the missing payment and showing 2 loans on my account.
Consumer complaint received 2020-11-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

I have been scammed by this girl named XXXX XXXX i ask for investment i was told if I gave XXXX dollars I would get $ XXXX back but it didnt happen. I have been waiting for days even though I was told that the money would come back in 20- 30minutes which was obviously a lie. They also told me that I have to pay for state fee which XXXX dollars, that inwhich I also paid for.
Consumer complaint received 2024-03-19
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I have been trying access my Bank of America credit card agreement online and it is no where to be found which is illegal. I first tried through the Bank of America app, but was directed to the website and it not there in plain sight. They have it hidden or not posted. I have been trying to understand my foreign transaction fees for over a week now because I have travel planned.
Consumer complaint received 2023-03-24
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. (FL)

I am requesting again in regards to the inaccurate and unknown accounts on my credit report. There are multiple errors shown in my report. Please verify that all accounts is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please delete this accounts and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXXXXXX 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
Consumer complaint received 2023-01-11
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: EQUIFAX, INC. (LA)

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

15 U.S.C 1681Section 602 A. States I have a right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-03-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/24 XXXX was removed from my banking account through unauthorized ATM withdraws. I was alerted by email of the withdrawals and contact the bank immediately and open a case to resolve unauthorized ATM withdrawals. On XX/XX/24 the bank refunded {$1200.00} of the XXXX. Call the bank on XX/XX/24 to find out when the rest of the money would be refunded back into my account. The customer service rep told me that the funds would not be put back into my account because of the transactions were done at an ATM using my card and pin.
Consumer complaint received 2020-11-30
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. (CA)

On XXXX XXXX, 2020, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX. XXXX, 2020, EQUIFAX MORTGAGE SVCS add a hard inquiry on my credit report per XXXX. 
On XXXX. XXXX, 2020, XXXX  XXXX XXXX add a hard inquiry on my credit report per XXXX. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: AMERISAVE MORTGAGE CORPORATION (IL)

On XXXX, an unauthorized hard inquiry for a mortgage was put onto my consumer report, without applying for a formalized loan of any kind. I contacted the mortgage company that performed the hard inquiry and asked who consented to this and why. They were unable to provide an answer. The refusal of the CRA to abide by the strict mandate of FCRA 604 that an inquiry that lacks permissible purpose is not permitted, which includes posting an inaccurate record of something that was not proper in your credit report.
Consumer complaint received 2023-01-11
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. (NC)

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See documents attached.
Consumer complaint received 2024-03-19
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: WELLS FARGO & COMPANY (PA)

Received email from a company named XXXX that a credit card was opened under my name with Wells Fargo and to verify my email. Wells Fargo says they have no information about this. I emailed the company bilt back and they said they see an account with my name and information opened and to reach out to Wells Fargo. Like I said previously though Wells Fargo says they see nothing opened under my information.
Consumer complaint received 2021-09-21
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: PENTAGON FEDERAL CREDIT UNION (MA)

On XXXX XXXX I was approved for a XXXX loan They also opened up a checking account t with there deposit of {$5.00} I decided that I don't need the loan. 
I decided not to cash it and let it void. 
Well on On XX/XX/2021 I received a email stating I owed XXXX for late fees. So I called and ask why? Sense I have not cashed the XXXX dollar check I was told by there team staff I am to cash it send it back to them and all charges will be dropped. Well I did cash it on XX/XX/2021 it took till XX/XX/2021 for check to clear. They deposited 2 small amounts of change into my bank account on XX/XX/2021. then I was able to deposit there check of XXXX to them Into the account set up by them for the loan.. I then was told I owe XXXX for interest fees after. 
I was then asked for XXXX cents to close the account.. I believe I did not owe any money to them. sense I didn't cash the loan check.. 
Please this made my bank account XX/XX/XXXXtill next month.. can you help me understand this n how they can do this.. thank you
Consumer complaint received 2021-04-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Paramount Recovery Systems, L.P. (FL)

In XXXX, an adverse account entry began appearing on my credit reports regarding an unrecognized {$57.00} medical debt from XXXX. I never received any notice or information regarding this charge, what service it relates to or where it originated from. I have always maintained health insurance which covers most of my medical expenses and pay my co-pays, deductibles and other charges that are my responsibility at point of service. I have attempted multiple times to dispute the entry and obtain further information. The item has been removed and sold to a new debt collector who then reports it. Currently, the credit information furnisher/debt collector is PARAMOUNT RECOVERY SYSTEMS.
Consumer complaint received 2024-03-14
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (IL)

I opened an account with Marcus Goldman Sachs and immediately regretted it because I was told by a friend that they will lock your money up on a dime so I immediately tried to withdraw it and lo and behold. They locked up my {$1000.00}. Ive called them, Ive sent an ID, Ive chatted. They gave me the information about how to wire out the money, but then they locked up my money the next day They locked up my online access. They refuse to give me my {$1000.00} and I need it badly. 

The photo of my balance below is before another {$200.00} was added BECAUSE THEY DIDNT NOTIFY ME, THEY WERE JUST GOING TO LOCK UP ALL MY MONEY So I deposited XXXX more XXXX XXXX  XXXX why are they allowed to do this? Why are you letting them do this to us to poor people?
Consumer complaint received 2021-09-21
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. (FL)

XXXX reported to Experian that an installment loan that I opened in XX/XX/2019 in the amount of {$3100.00} is a charge-off. Although payments have been made regularly on this account and the account is reported correctly on XXXX and XXXX as current/open, Experian reported the information as accurate. Further, XXXX provided my payment history along with the reporting to Experian, clearly showing continuous, on-time payments. I called Experian and a dispute specialist advised that Experian does not investigate credit report disputes, they merely ask the creditor if the information is correct and update the credit report according to the response. I've contacted the creditor and they admitted it was an error but no update has been made to my credit report, which is why I went to Experian.
Consumer complaint received 2022-04-07
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: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 an account without my written instructions
Consumer complaint received 2021-09-21
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: OPTUM BANK, INC. (TX)

My previous HSA account holder, XXXX XXXX sent my account balance to Optum Bank for a trustee to trustee transfer. The check was for {$48000.00} and XXXX XXXX showed the check as being cashed on XX/XX/XXXX. However, Optum Bank has not credited my account with the balance as of XX/XX/XXXX and has been unable to locate the funds. I've reached out to their customer service multiple times and had cases opened and closed with no resolution. Representatives have refused to escalate my case to a manager to help, and have promised managers would call me back but they never have. My money is missing to this point.
Consumer complaint received 2020-10-23
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: Experian Information Solutions Inc. (NY)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. AT TIMES I FEEL LIKE I HAVE NO OTHER CHOICE BUT TO GIVE UP ON EVERYTHING. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2022-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NV)

I have called and sent In letter to credit agencies about deleting my wrong name my new name I XXXXXXXX XXXX XXXX XXXX And my only address is XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Nevada XXXX I would like XXXX XXXX XXXX deleted off my credit report
Consumer complaint received 2021-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : US DEPARTMENT OF EDUXXXXBalance $ XXXXDate Opened : XX/XX/XXXX US DEPARTMENT OF EDU-Balance XXXX XXXXDate Opened XXXX XX/XX/XXXX XXXX XXXX-Balance $ XXXXDate Opened : XXXX XXXX, XXXX
Consumer complaint received 2019-08-16
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. (OH)

A lease from XX/XX/2016 is still showing open and delinquent. It was paid in full and closed never delinquent for the entirety of the lease. I sent a dispute and Emailed Experian and they have done nothing about it.
Consumer complaint received 2024-03-19
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (DC)

XXXX XXXX bed purchased in XXXX of 2021. Signed up for automatic payments to pay off the balance in the promotional period. When setting up the autopay they misleadingly set up the payment to be slightly less than what should have been paid to cover entire balance in 2 years. It was set at {$150.00} ( and later decreased but I hadnt realized it ) and should have been set at {$180.00}. Because as with any other account I have opened where you pay off the balance in a set term I set it and forgot it. I made XXXX late payments and fulfilled everything that is in the spirit of paying off the debt with their promotional period. Needless to say this predatory company charged me less and less each month without me knowing unless I kept a super close watch on my accounts ( during a pandemic where everyone was just trying to survive ). They purposefully mislead customers into thinking that they are signing up to pay it off interest free and then collect as much interest as possible. Yes I should have calculated myself instead of believing that the company split the payments into equal parts and wouldnt lower the payment as I went along. Yes I should have been more meticulous with my payment statements and realizing their set amount would never pay off the balance within the term. This is completely predatory and misleading.
Consumer complaint received 2021-08-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (KY)

My account was referred for closure because a check I deposited on the mobile app was deemed fraudulent, Citibank realized they made a mistake and contacted me apologizing and restored access back to my account and rescinded it. When they referred it for closure they placed all my funds in a subledger and its now been almost a month since they did this. Ive contacted them many times and they keep telling me they are adding the funds back to my account in 24-48 hrs and never do. I need my money back because I have bills to pay. They arent being helpful at all and are just holding my money from me from their mistake
Consumer complaint received 2021-09-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A. (TX)

Citi bank has deceptive trade practices with luring in individuals in regards to doing a balance transfer at 0 % APR for a year, unless you use your card at all then it essentially nullifies this and you have to pay the entire balance or they will not apply the payment to the right balances due per segment of charges. For example, I signed up via their app to transfer $ XXXX at 0 % APR and paid XXXX transfer fee. Well I had purchases on the card like anyone would with XXXX that month. Since I had auto pays after the transfer processed they took my {$1300.00} payment and applied it to everything but that balance of the XXXX charging 23.99 % interest and you literally now can not pay it off unless you pay everything including that transfer off. Their disclosure is deceptive as well that they sent. It does not specify your balance transfer that you're making would have to be paid in full which literally cancels out your purpose and nobody would do it if that was clearly written and not a bait and switch tactic/deceptive practice. It removes your right to use your card as agreed upon after a balance transfer until it processes which is in their complete control which to me is a fraudulent practice. So now, I am out of the balance transfer amount, the amount they charge in a fee 5 % and any interest on the those amount from the previous statement that they refuse to appropriately apply the payments to.
Consumer complaint received 2021-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

****This will probably be your MOST MAJOR case out of all your investigations and this should be elevated to the highest levels at CFPB. 

The synopsis is this : The credit reporting agencies are committing a fraud on the public AND must be investigated by CFPB and this issue must be disclosed to Congress. The credit reporting agencies are selling credit products to the public and providing FALSE credit scores paid for by consumers, yet, at the same time, these same credit reporting agencies are providing a completely different product to lending institutions which list completely different credit scores. So, bottom line, the credit reporting agencies are providing two sets of credit scores - one for the public and one for business. There should ONLY BE ONE uniform credit score. The question becomes, which credit scores are real and which are fake? Can the credit bureaus sell fake information and pass it off as real?