davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-05
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: FIRSTBANK (CA)

I banked with FirsrBank a few years ago and had fraudulent over drafting on my checking account via XXXX - I submitted a fraud request and was never given the approval or able to work with somebody regarding this. Years later it is still marked as Account Abuse on XXXX and I would really like to get this resolved & removed from there.
Consumer complaint received 2021-09-15
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. (NC)

hello Ive been trying for months to get this issue resolved as my information was stolen during a breach and it has caused me harm personally and financially.. who ever got my infomation has been running up medical bills. and i need these items removed as its effecting my job status and future goals.
Consumer complaint received 2017-08-09
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: CAPITAL ONE FINANCIAL CORPORATION (VA)

Capital one bank lied to me. I have filed a dispute against a charged on my credit card from XXXX XXXX hotel. My room in the hotel had bugs in the bed, bathroom, floor and walls. The owner of the hotel does not want to give a full refund. He refunded me % 50, but I would like a full refund. No one will pay to stay with bugs in the bed ( literally ). I have videos and pictures of this incident. I let capital one bank know about my situation and I got a letter from capital one bank on XX/XX/XXXX asking for additional documents in order for my dispute to be accepted. In the letter, capital one bank stated that if I do n't get these additional documents to them by XX/XX/XXXX then my dispute will be closed. First of all, there is not enough time ( from XX/XX/XXXX until XX/XX/XXXX ) for me to get all the documents. Second of all, one document requires a third-party 's opinion about my incident. I have already contacted the third party ( another hotel ) and they have told me that they are not able to provide me with the kind of documentation because it 's against their policy so capital one bank is asking me for a document that it 's not possible for me to get. I called capital one bank and talked to an associate. The associate lied to me and told me that capital one bank does not have the final decision on the dispute, but the final decision comes from XXXX. I called XXXX and they have told me that they do n't make any decisions and it should be the bank. I called capital one bank and I asked an associate to extend the deadline, which is XX/XX/XXXX. She lied to me again and said that it 's in the system and she can not change it. I asked to speak to supervisor -- after waiting 20 minutes on the phone ( literally ) -- the supervisor answers my call and finally agrees to change the deadline to XX/XX/XXXX. The supervisor also lied to me and said that they need to submit the required documents to XXXX and that XXXX has the final decision. I called XXXX a second time and they told me again that XXXX doe not give any final decisions on disputes. I need someone with enough power and justice to make capital one bank agreed to my dispute because the real hustler here, it 's the owner of the hotel. I asked capital one bank associates if they would pay to sleep with bugs in the bed- all of them say NOOOOO, then why do n't they want to accept my dispute. I HAVE ENOUGH PROOF. please help me with this case, I am extremely upset that a bank with all its power is trying to manipulate my situation in order for me to pay for something that should n't be.
Consumer complaint received 2022-10-07
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: U.S. Auto Sales Inc. (GA)

My claim number with US auto sales is # XXXX. My insurance company has settle for the total loss and sent out two payments pertaining my vehicle. My credit report still shows I owe and still making late payments on a vehicle that is declared totaled loss. This needs to be removed from my report and show balance paid in full or removed immediately from my report
Consumer complaint received 2017-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

In XX/XX/XXXX I purchased a XXXX XXXX XXXX at XXXX XXXX Imports in XXXX, Oklahoma and my vehicle was financed through a financial institution that I can not remember. In XX/XX/XXXX I got a letter that my vehicle loan had been purchased by XXXX and that 's when the problems started with XXXX. If I was late with payments, XXXX called endlessly, day and night starting the day the payment was due until it was paid. They actually had my car repossessed twice based on mistakes they made in their accounting department! The XXXX blew a head gasket in XX/XX/XXXX and it was parked not running, but I kept making payments on it and carrying full coverage insurance. Finally at the end ofXX/XX/XXXX I had paid a {$15000.00} loan down to about {$2500.00} so I sent a personal check to XXXX to just pay off the balance in XX/XX/XXXX for the full amount. I waited and waited to get my title in the mail, finally after about 90 days, I got my check returned to me with a letter stating they needed a cashier 's check not a personal check. So at that point I just said forget it, they can have the car, it was n't running anyway. XXXX wrote off the remainder of the loan in XX/XX/XXXX as bad debt, BUT they keep reporting it every month on my credit report to make it look like an active account. At this rate it will never drop off my credit report and it is dragging my credit down. This is not fair for them to keep reporting it every month to keep it active on my credit report and I want them to stop doing it and report it accurately as written off in XX/XX/XXXX and let it go once and for all. To continuously punish me for their inconsideration and bad debt collection practices is more than unfair. Thank you
Consumer complaint received 2024-05-25
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: Freedom Mortgage Company (CA)

Back on XX/XX/XXXX, we received notification that we could refinance with our mortgage company Freedom Mortgage. I started the application process and the agent XXXX XXXX XXXX # XXXX said it looked good. We preceeded with the proper documentation they were requesting and it was done. A month in a half goes by and no communication. So my husband decides to call her and every time she's out of the office. So I email her and she proceeds to tell me that we are denied because we have a LIEN against our home. This is all via email, no curtesy in a phone call. So I investigate and reach out to our county records to get my deed and title. I ask XXXX of there property records expert. Do we in fact have a LIEN against our home. He proceeds to tell me I do not see anything on the property. Reached out to her that she lied and that she is very unprofessional and would like her boss to either contact me or give me that information so I can talk to her boss. Yet again to no avail and no communication ever since.
Consumer complaint received 2022-10-25
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (OH)

Identity theft is the issue. On XX/XX/22 someone submitted an application to Comenity Capital Bank ( XXXX XXXX XXXX XXXX, Ohio XXXX ) and a hard credit inquiry was made on my credit report XX/XX/22 in spite of a fraud alert being posted with the credit agency. 
XX/XX/22 an XXXX XXXX  agent assisted me by filing a dispute on any card issued in my name. On Friday XX/XX/22 the agent and I finally reached a representative of Comenity Capital XXXX by phone ( after multiple attempts and extremely long wait times ). The representative said she had no record of an application under my name or any inquiry with a reporting agency. 
In spite of this denial I received a letter today from the XXXX Account Protection Team thanking me for my application and asking me to call at the number provided so they can verify my information.
Consumer complaint received 2023-01-29
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: Upstart Holdings, Inc. (NY)

UPSTART NETWORK INC.. conduct is misleading and deceptive the promissory note allegedly signed by me was not signed with my own hand and is fraudulent i completed a Identity theft affidavit with the FTC XXXX prove the the Note is fraud and UPSTART NETWORK INC. continues to report and attempt to collect this fraudulent account without verifying with first hand knowledge that i signed the promissory note also there conduct is extortion, usury and blackmail. I order UPSTART NETWORK Inc. Cease and desist communication with all credit reporting agencies in regards to this fraudulent debt.
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The Fair credit reporting Act 15 USC 1681 et seq. governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by credit reporting agencies. Transunion is currently reporting my XXXX XXXX XXXXXXXX account inaccurately. This account was closed on XX/XX/2022, however, Transunion is reporting it as being 30 days past due. This has caused injury to me and caused me to get denied for funding from several banks. 
XXXX acct XXXX
Consumer complaint received 2022-10-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (CA)

In Early 2022, I opened a Citi Gold account from one of the referral links online, I received a deposit of over XXXX in the initial few weeks. Product was Citi Gold account and I had provided all personal information to the bank before opening. 

On XX/XX/XXXX XXXX XXXX  in the morning I received two consecutive emails from Citi Bank stating all my accounts with Citi will be closed without stating any reasons etc. I called the bank next day and they said nothing they they can help me with and that I have to wait for the letter to come in mail. I told them all transaction on my account are legit and there is no fraud or anything I noticed. Citi gold account comes with special privileges where in dedicate reps are assigned to each customer, None of my assigned manager made any contact with me over several months of account opening. 

My checking account got suddenly blocked by Citi stopping me to be able to use my own funds leading me to use high interest loans for financial commitments. I am very disappointed by the treatment provided and lack of professionalism by Cit bank staff including Senior Account reps. 

On XX/XX/XXXX ( letter dated XX/XX/XXXX ) I received a letter from Citi stating they noticed some fraudulent activity with my account and I need to call a number provided on it, when I called that number they connected me to another Citi group who then directed me to go to a local Citi branch and they cut the call on me abruptly when I asked who should I meet at the local Citi branch. This is the worst customer experience I ever had with a largest bank in the United states. 

To resolve the problem, I would appreciate if my account rep from Citi bank should contact me and inform me on next steps. I am fine with closing the account but have no idea what happens to my funds in my checking account. Some minimum level of customer care is expected.
Consumer complaint received 2023-01-10
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. (TX)

I am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or XXXX XXXX XXXX XXXX.
Consumer complaint received 2020-09-22
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. (MS)

XXXX XXXX XXXX was paid off via a settlement of 80 % of balance using my debit card which charges cleared the next day. I was told the balance of {$640.00} would be removed from my credit bureaus and would indicate paid in full within 10 days of payment made. As of this date XX/XX/20, this balance of {$640.00} in collections is still showing. I have disputed it with the credit bureau but that has not worked. I am working hard to recover my credit derogatories due to illness. Please assist me if possible.
Consumer complaint received 2023-02-23
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (AK)

On XX/XX/XXXX I paid XXXX Mortgage payment, the XXXX Wells Fargo took my check to XXXX XXXX Bank Alaska for payment and first payed the first ask, but not the second ask as Wells Fargo did a double presentment. The second has sent Wells Fargo into removing my payment and claiming that my Bank did not honor the check. 
XXXX XXXX payed the check and there is no sign of a return of money to the account. 
Wells Fargo is now claiming " Return to Maker '' Wells Fargo has the money, they are having a real problem in Finding the funds that they still have, and are Sending notices that I am behind and that they are getting close to starting the paper work on foreclosure..
Consumer complaint received 2020-09-22
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. (AL)

PLEASE INVESTIGATE THESE FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. I HAVE MY CREDIT REPORT AND I SEE SO MANY FRAUDULENT ACCOUNTS. I HAVE NO IDEA HOW THIS STFF GOT ON MY CREDIT REPORT, BUT ITS HOLDING MY CREDIT DOWN. I NEED THESE ACCOUNTS INVESTIAGTED AND REMOVED FROM MY CREDIT PROFILE
Consumer complaint received 2020-09-22
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. (AL)

PLEASE INVESTIGATE THESE FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. I HAVE MY CREDIT REPORT AND I SEE SO MANY FRAUDULENT ACCOUNTS. I HAVE NO IDEA HOW THIS STFF GOT ON MY CREDIT REPORT, BUT ITS HOLDING MY CREDIT DOWN. I NEED THESE ACCOUNTS INVESTIAGTED AND REMOVED FROM MY CREDIT PROFILE
Consumer complaint received 2017-08-09
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: SUNTRUST BANKS, INC. (VA)

I was unemployed for 4 months when I called up XXXX XXXX about my current situation in spring of 2016. I asked if there was a way to reduce the payments, refinance, or what options they had. They basically told me there was n't any program setup to help customers in financial distress. I did n't want it to negatively impact my credit score and asked if I could voluntarily give the car back to the bank but they said they do n't offer that option as well. I ended up borrowing money from friends and family to pay for the loan until I could n't afford it anymore.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

Did not consent to unauthorized inquiries the inquiry was not authorized. 
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 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
Consumer complaint received 2020-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I disputed a Bank of America account on my credit reports. Today I received notice that my dispute is settled and it is still remaining on my XXXX  credit report. I am again submitting the letter from XXXX XXXX XXXX XXXX that shows proof this is to be deleted off my credit reports.
Consumer complaint received 2019-10-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (UT)

On XX/XX/XXXX, this year I received a Notice of Default in a certified mail letter from XXXX XXXX XXXX XXXX XXXX XXXX attorney offices on behalf of my second home mortgage Specialized Loan Servicing or SLS. It warned me that I had three months to bring my delinquent account current or my property will be sold to satisfy the loan agreement. I immediately took action and contacted my loan company to know what my options I had to keep my home. XXXX my loan representative within SLS instructed me on how to go about reinstalling my mortgage payments. I received a letter with the reinstate fees which included the delinquent payments plus the Legal fees.The total amount required was {$3700.00} good through XX/XX/2019. On XX/XX/XXXX I send a Cashier 's Check in a USPS Certified letter including a copy of the SLS reinstate fees with my loan information. I called XXXX right after I left the USPS office to let her know that the money was on its way. I gave her the track number for the letter and told her that the USPS certified it to arrived by XX/XX/XXXX a day earlier. I have already received the stub that shows that my letter was received and signed for and today is XX/XX/XXXX and my payment has not been posted in my account. I have made multiple calls to SLS almost every other day since the day I send my certified payment and they never give me an answer as where the money is sitting ( although they DO acknowledge the cashier 's check is there in their office BUT they have not post it in my account ). I have talk to SLS representatives English and Spanish and none would answer my questions because they only want me to talk to XXXX my loan rep. I have also talked to a manager there and she opened up a ticket saying they will find out whats going on with my payment. There has been three open tickets with my case and NO answers. I am beyond frustrated because I did everything required on my part and SLS is not even trying to help me with putting a hold on the foreclosure on my home. I receive constant calls and letters from solicitors that want to buy my home and letters of delinquency from SLS knowing that they have my payment ( cahsier 's check ) sitting around somewhere in their own office.
Consumer complaint received 2017-08-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (KS)

On XX/XX/XXXX I wanted to send {$4000.00} to a grandaughter via paypal. I made a mistake, leaving out the XXXX in the address ; the money was sent instead to another person.. I contacted this person via email, and got no response from him. I then contacted paypal to file a complaint, who ruled in favor of the recipient. I believe pay pal also handles business accounts, in which larger amounts of money are transferred, in which there is a delay is made, allowing for correction of mistakes. I again contacted pay pal, which did nothing. I would greatly appreciate any help you can give me in this matter. I realize that the mistake was mine, but surely you can appreciate that {$4000.00} is an awful lot of money for an XXXX year old widow to throw away!
Consumer complaint received 2022-10-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (MD)

On XX/XX/2022, I purchased a car from XXXX Infinti and their sales manager, XXXX XXXX communicated to me that my balance owed was {$33000.00}. I gave her a check for {$30000.00} and I placed the balance on my credit card and she provided me a receipt confirming that my balance was {$0.00}. 

On XX/XX/XXXX, XXXX XXXX leaves me a message stating that SHE made an accounting error and that as a result, I still owe {$950.00} and that she contacted the Motor Vehicle Administration to suspend my tags and she curtly wished me luck in the event I was pulled over by the police. I left work immediately to try and gain an understanding of HER accounting error and if it was HER error, why she chose to report me to the MVA instead of first apologizing and then finding a means to resolve the situation. 

While at the facility, I contacted my husband for support and he explained that he did not trust their tactics and wanted me to leave their establishment ASAP, so he agreed to pay the {$950.00} over the phone and advised them ( XXXX and Sales Manager XXXX XXXX ) that we would follow up with them for unfair and deceptive practices. 
My primary concern is the fact that this establishment immediately punished me for their error ( which still has not been confirmed yet ), never apologized, contacted the MVA with no notice to me, and wished me and my family good luck with the police. Furthermore, I shared this experience with a few of my co-workers and to my surprise, they had similar experiences and think that its an issue strictly with XXXX ( people of XXXX )