davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-24
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: FIFTH THIRD FINANCIAL CORPORATION (GA)

In XX/XX/XXXX or XX/XX/XXXX I opened an account with fifth thrid bank because a coworker who was my employee advised me that they were a great bank and had a sign on bonus. He said his friend worked there and could supposedly get my funds from my other account transferred because I no longer wanted to deal with them. Not long after I opened I received a call from a fifth 3rd rep I'm assuming was the employees friend asking me to vefiry some personal information in order to transfer my money from one account to another. Said there would be no issues just needed to verify my info and next thing I know I'm getting letters stating large amounts of money were deposited into my account and it was being held. Unfortunately I got no where with fraud dept.the man who screwed my life up by doing this crap is working for this company. It has to be an inside job. I claimed fraud that i did not authorize these funds to be transferred and had no idea where they came from, they still wouldn't help me, never called me back after several attempts to reach investigator. then I noticed my card and info in the folder i got from opening my account was gone and maybe a few days later the man who worked for me never showed back up. I've always had good standing with my banks never anything fraud other than an online purchase or a gemmic and the bank handled it properly. Fifth 3rd on the other hand have allowed someone to withhold me from getting a bank account cause apparently their employees are crooked. I'm so mad and upset each time I speak of this. It's not fair and if I closed an account down how was someone able to take money out of it and where is the camera showing it was not me who made any transactions other than walking in the bank to deposit my initial XXXX  bucks when I opened the account. This is such fraud I've reported to FTA also to fifth 3rd who won't even respond to me other than say it was me. I need help this isn't fair and for once in my life can someone help me. Please
Consumer complaint received 2018-06-24
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 (MD)

On XX/XX/XXXX, I went into XXXX XXXX in XXXX MD area to look at living room furniture. Out of more than 6 sets, NOTHING was available for up to eight weeks ( for delivery ), so I chose to look somewhere else. Meanwhile, the sales person advised me to put the set that I liked on an invoice. I was allowed to put a down payment on it ( so they can hold it ), but informed them I would return the following day to make a final decision. I ended up going to one of their other stores, down the street and purchased furniture there, because it had same-day pickup. On the very next day, XX/XX/XXXX, I returned to XXXX and asked for a full refund of my deposit and the cancellation of the invoice ( that was supposed to be on hold ). They refunded me the down payment and told me the invoice had been cancelled. However, when I got my credit card statement, XXXX had charged me for the furniture that I actually purchased ( and took home, plus they had charged me an additional {$1600.00} ( the amount that was supposed to be refunded on XX/XX/XXXX ). Instead of fully canceling the invoice, they submitted it to the finance company, three days after telling me they had canceled the order. Now, they are telling me, it will be XX/XX/XXXX before they can clear up this error. My credit report is also indicating that I have an extra {$1600.00} of used credit. This makes NO sense that it is taking this long to clear up a matter that was totally preventable. I was advised two weeks ago that XXXX would credit me the money. The following week, when I went to check the status, it had not been done. So a second person assured me they would remove the {$1600.00} error from my account, but it will take up to 60 days. This is ridiculous! I want the error removed from my account as soon as humanly possible. XXXX has very poor customer service in the Dispute Resolution Department. It is impossible to speak to a supervisor. The young guy at the front desk in the XXXX location kept telling me I should not have bought the furniture from the other location, because they could have gotten me a cheaper price. This made no sense, because he had no idea what I had purchased, now what I had paid ( at the other store ). Furthermore, he was the very person who " supposedly '' issued my refund, which he couldn't even do correctly. Instead, three days later, XXXX submitted the canceled invoice to the finance company and it appeared on my bill. I would like to think they are not in the habit of fraudulently submitting bills to the finance company, but I can't even be sure this whole thing was not intentional. I just want it cleared up, sooner than XX/XX/XXXX, since it is 100 % XXXX 's ERROR!
Consumer complaint received 2020-07-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (FL)

On XX/XX/2020, the bank withdrew from my account {$1700.00} The bank never advised me that I was going to withdraw that money from my account The bank did it without asking CITIBANK did not have my authorization. 
I was informed that the withdrawal was to pay a debt from my father. 
I am not obligated to pay a debt that is not mine. 
I am outside the country and without work. 
What they did was a violation of my account They have to collect that debt from my father and not from me
Consumer complaint received 2018-06-24
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. (IN)

I have sent two dispute letters via USPS certified mail to Experian in the past few months. Each time, they reply back to me with an automated response stating the account I was disputing " has been verified. '' I have requested in each letter I sent, the name of the person from Experian who has verified these accounts along with the documents they are required to have on file proving the accuracy of these accounts, however I have never received any of this documentation. I have reached out to them two different times and nothing seems to be getting done as it should be.

There is an account starting with XXXX on my credit report from a company I have never heard of nor been associated with called " XXXX XXXX XXXX. '' I have never signed any kind of contract with this company, never received any kind of services from this company, and I have no obligation to any debt listed by this company that I have never even heard of. I have requested validation for this account in both of my disputes I mailed to Experian, and I never received anything. This account needs to be deleted, as incorrect information can not be published on my credit report. 

There is an account listed on my credit report under the name of XXXX XXXX  XXXX starting with XXXX that I have requested validation for in both of my disputes I mailed to Experian, and I never received anything. This account needs to be deleted, as incorrect and unverified information can not be published on my credit report. 

There is an account listed on my credit report under the name of XXXX XXXX  XXXX starting with XXXX that I have requested validation for in both of my disputes I mailed to Experian, and I never received anything. This account needs to be deleted, as incorrect and unverified information can not be published on my credit report. 

There is an account listed on my credit report under the name of XXXX XXXX XXXX  starting with XXXX that I have requested validation for in both of my disputes I mailed to Experian, and I never received anything. This account needs to be deleted, as incorrect and unverified information can not be published on my credit report.
Consumer complaint received 2023-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

There are FRAUDULENT items and UNAUTHORIZED/FRAUDULENT inquiries on my credit report. I do not have any idea regarding these fraudulent accounts on my credit report. I am not the one who initiated the inquiry. I am submitting a complaint regarding this inquiry and for assistance to REMOVE it from my credit report immediately.
Consumer complaint received 2018-06-23
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. (MO)

I'm requesting that the following accounts be blocked from my credit report. The credit reporting agencies will investigate and report back verified, but verified by whom, and supported by what physical documentation. As a consumer I have the right to request this so called vertification. However, I will file a law suit in my next attempt at this if for some reason this is again verified without providing me physical documentation. The following accounts in question are XXXX  ( XX/XX/XXXX ), and XXXX XXXX XXXX ( XX/XX/XXXX )
Consumer complaint received 2018-06-23
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I fell behind on my credit card payment. Capital One called my husband who is not on my account and asked him to pay my bill. When he refused they told him how much I owed them. I dont think thats legal.
Consumer complaint received 2017-03-23
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (NC)

Opened a merchant account with Wells Fargo years ago, however, was not expecting the myriad of fees to follow to include a {$10.00} fee for not checking my account online monthly, a {$25.00} fee for non-compliance although I stopped using their service in XX/XX/2016, and a {$35.00} minimum fee whether I process transactions or not. Was recently told that the cost of canceling this account is {$500.00} which I do not have. Their service is also extremely complicated and redundant as I have to log into several seperate sites to maintain my account ; compared to the other third-party service that I currently use which is much less costly and a lot less complicated. My business checking account is currently overdrawn because of the {$25.00} non-compliance fee ( and subsequent NSF charges ) that they recently added, then took away, then added again although I do not use their merchant servvices. I was leaving enough funds in my account to cover the {$20.00} basic ( agreed upon ) merchant services fee, however, they have de-activted my debit card preventing me from making ATM deposits.
Consumer complaint received 2020-07-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (IN)

XXXX, Your transaction has been canceled and will no longer be processed. 

We will refund the account you used to pay for your transaction. 
Refunds to a credit or debit card typically take 3-10 business days. 


While the funds have been withdrawn, your bank may not show a charge immediately. 


Receiver : XXXX XXXX XXXX Send Amount : XXXX USD Date : XXXX Reference # : XXXX The total cost of this transaction fee was {$21.00} which they refuse to refund. I sent money to XXXX  XXXX  because the recipient was in XXXX  XXXX  but they refused to give her the money because her I.D . was from XXXX. So I had to cancel and resend with the receiving State as XXXX  but she received the Money in XXXX  XXXX. I followed the instructions to the letter XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-06-23
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. (MO)

I'm requesting that the following accounts be blocked from my credit report. The credit reporting agencies will investigate and report back verified, but verified by whom, and supported by what physical documentation. As a consumer I have the right to request this so called vertification. However, I will file a law suit in my next attempt at this if for some reason this is again verified without providing me physical documentation. The following accounts in question are XXXX  ( XX/XX/XXXX ), and XXXX XXXX XXXX ( XX/XX/XXXX )
Consumer complaint received 2018-06-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (PA)

Iv'e been my home for 20 years I love my home I was a XXXX XXXX for 19 years I lost income in XX/XX/XXXX called wells fargo ask for a forbarce progam they told me I did not have enough income so I got a part time job got back with wells fargo said it was not enough went back and fordward to court luckly got full time job at XXXX XXXX yes I can pay on time and back now I have a shireff sale XX/XX/XXXX cause wells fargo say I make to much and I can pay the XXXX I owe in full I have bills and a son that is in XXXX  who I have to help but with the job and and my retirement and can make payments but don't have XXXX in full so can you please help me my loan number is XXXX well fargo
Consumer complaint received 2017-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

I had a open account with a company and disputed the balance. The account originally fell delinquent in XX/XX/XXXX. Somehow a new debt collection company purchased it and change the age date on the loan twice to XX/XX/XXXX and then again in XX/XX/XXXX. The Delinquency should be close to 6 years old now not 3. I think they re-aged the account on  purpose.
Consumer complaint received 2016-07-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (WA)

Second complaint ( original XXXX XXXX Wells Fargo did not address the initial complaint filed on XXXX with the CFPB. 

The complaint is that Wells Fargo notified originally notified deed holder of the initial auction date of XXXX XXXX, XXXX to be held in the XXXX court house in XXXX XXXX. This notice was served to the deed holder and notarized by the XXXX. At this point, there was no notification from Wells Fargo of a change in auction date as required by law ( state and federal ). At that time, Wells Fargo was ( according to law ) to change the deed into their name regardless of the auction taking place or anyone bidding ( that is the law ). 
They did not. 

Next notification from Wells Fargo was in XXXX of XXXX stating a new auction date was set ( this violates the deed holder notification guideline which states deed holder has to be notified PRIOR to the set auction, which was in XXXX XXXX ). At that XXXX XXXX auction, legally the deed should have been out of XXXX XXXX 's ( deed holder ) name in XXXX XXXX since no notification was given to XXXX XXXX ( deed holder ) of the auction date being change, per LAW. 
This is what our complaint is. Because of this, we were unable to qualify for FHA home lending, or conventional lending ; the date of the foreclosure is marked by when the deed is taken out of the foreclosed on 's ( deed holder ) name. That should have been XXXX XXXX. Instead, because of Wells Fargo not following the guidelines or law of the State of Idaho or federal guidelines that date of foreclosure was n't recorded until the following year at a different auction. 

The information Wells Fargo provided on complaint XXXX did not address this complaint, and did not address that notice of auction in XXXX XXXX. In fact, Wells Fargo neglected to present that information and manipulated their report and the information they provided ( which we 've provided them ), omitting what they wanted in order to support THEIR case. Wells Fargo has neglected to acknowledge the actual complaint we filed in complaint XXXX with the XXXX XXXX XXXX XXXX XXXX. The resolution we request is to have a correction of deed recorded with XXXX XXXX. If that is not possible, then financial compensation in the form of a fine since their inability to do their job according to the LAW prevented XXXX XXXX from financing a new home loan.
Consumer complaint received 2018-06-23
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: C & M Associates Group, Inc. (GA)

I was contacted in XX/XX/XXXX by XXXX XXXX XXXX XXXX. I was called about an apparent credit card that I opened in XX/XX/XXXX. According to XXXX XXXX XXXX, I paid on the card until XX/XX/XXXX ( for all I know, the card could have been paid off! ). According to the said group, The card was on my credit report, then taken off due to statute of limitations. The debt was for approximately {$5000.00}. The person I talked to on the phone stated that if I paid {$1000.00} within a month, he would settle the account, if I didn't he would sue me and the judgement would go on my credit report. I explained to the person I talked to that I vaguely remember even having the card. I didn't know that I could be sued for such an old debt. It seemed odd that such a high balance could be settled at such a low amount. I didn't understand why I was given such a short time frame to come up with a large amount of money for me. When I explained to the person I talked to that a lot had transpired since XX/XX/XXXX,  included a XXXX dad who survived a housefire, who I'm now Power of Attorney of. When I asked to at least have more time to get the money, that was refused. I didn't want to promise that I could get {$1000.00} in a month when I couldn't. What if I made that promise when called, and my XXXX   dad died. As Power of Attorney, I would be in charge of end of life arrangements, while going through the grief process myself. Would XXXX XXXX XXXX still take me to court then? It is inhumane to put such ultimatums on people in lue of the inevitabilities of life!
Consumer complaint received 2018-06-23
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MI)

I have been enrolled in autopay for the life of my loans. I am of the understanding that these payments were to cover the amount of interest across 3 loans that totaled {$15000.00}. Upon looking for a payoff amount, I see my balance due is is over {$19000.00}! Having not made any principal payments, and making all my payments on time, I would not expect my payoff to be more than {$15000.00}. Also, when I initiated these loans, my interest was around 9 %. Looking today they are between 10.75 and 12 %. I receive monthly emails that are essentially a reminder that I have accounts with Navient ; I can not recall any additional communication ( short of Navient taking over my loans from Sallie Mae ) that mentioned anything about arbitrarily moving my fixed rate loan interests.
Consumer complaint received 2018-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (TX)

XXXX XXXX XXXX is listing 2 separate accounts as in an open status. They are both from the same creditor XXXX XXXX. They are both paid collections and should be listed as a closed status.
Consumer complaint received 2021-03-12
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 — Investigation took more than 30 days
Company: OneMain Finance Corporation (CA)

I filed a dispute with XXXX Credit Bureau regarding Inquires on my credit report. 

It has been well over 30 days and I have not received any investigation results from XXXX Credit Bureau, regarding the Inquires.
Consumer complaint received 2018-06-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have disputed a collection account on my TransUnion credit report multiple times any they always say they've verified it. It's not my debt, period. I have never received anything ( phone call or mail ) from the company. They won't respond to my letters. They say my only option is to talk to their attorney.

The problem here is with TransUnion. I filed a complaint against TransUnion last month with the CFPB and that dispute has vanished from my account here. 1 ) I was not notified by TransUnion of the results of the last investigation. 2 ) My complaint against them to the CFPB was removed. 3 ) I specifically have asked every time for them to explain how they are verifying this account because IT DOES NOT  BELONG TO ME and they have refused to answer that question. They just say they verified it.
Consumer complaint received 2018-06-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (NM)

I had an account with XXXX XXXX XXXX XXXX for several years. They offered me a new phone. I agreed to their offer. 
They told me they would ship the phone to me within a week. After a week I had not received the phone. I called them and they told me they showed the phone as delivered to me. I told them I did not receive the phone. They said, " When the phone shows up, we will reimburse you for it. '' I told them I was not going to pay for a phone I did not receive. 
They told me I had to. I refused, and told them to cancel my account. They told me they would submit the transaction to my credit report. I have tried to have it removed from my credit report with XXXX and XXXX. They claim it is a valid bill.
Consumer complaint received 2020-07-10
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 decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX XXXX {$1600.00} XXXX   XXXX XXXX {$480.00} XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX {$350.00} XXXX XXXX XXXX {$400.00} XXXX XXXX {$390.00} XXXX XXXX   XXXX {$170.00} XXXX {$400.00} CHAPTERB XXXX BANKRUTCY DISMISSED XXXX {$0.00}