davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This debt was settled at the XXXX with XXXX and XXXX. 
Under the guidelines of the Fair Credit Reporting Act, a company can and will investigate the item to verify its integrity unless the company can provide new information such as court papers or a recent, authentic letter from the creditor that explains what information should be updated. XXXX XXXX is no longer in business and may add a Company Statement to both XXXX and Trans Union or contact the me directly in writing. Contact information for me is provided on the credit report for your review. If you provide a XXXX XXXX that contains proof of debt, then you are giving consent to me to include this information in every credit report you issue about me. If you have any further questions, please contact me. Please visit XXXXXXXXXXXX for questions about this credit report misunderstanding. 

I have reviewed your complaint along with the information you previously provided regarding this issue. On XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX, XXXX XXXX XXXX # XXXX was incorrectly notified of these disputes. In response to the investigations, the disputed information was not verified or updated properly and accordingly and the results were not forwarded to me for review. Currently, XXXX XXXX XXXX incorrectly reflects an unpaid collection in the amount of {$2100.00} with an estimated deletion date of XXXX. 

Fraud is the intentional use of deceit, a trick or some dishonest means to deprive another of his or her or its money, property or a legal right. A party who has lost something due to fraud is entitled to file a lawsuit for damages against the party acting fraudulently, and the damages may include punitive damages as a punishment or public example due to the malicious nature of the fraud. Quite often there are several persons involved in a scheme to commit fraud and each and all may be liable for the total damages. Inherent in fraud is an unjust advantage over another which injures that person or entity. It includes failing to point out a known mistake in a contract. There is a known mistake in a contract that was never pointed out to me by my broker. It also includes failing to not reveal a fact which he or she has a duty to communicate, such as not delivering promised amenities. My broker promised amenities including a tanning bed and garages as originally understood. The amenities of a tanning bed and garages were not delivered to me as promised. Constructive fraud can be proved by a showing of breach of legal duty such as lying about advertising amenities that were not delivered. Constructive fraud can be proved by a showing of breach of legal duty without direct proof of fraud or fraudulent intent. Extrinsic fraud occurs when deceit is employed to keep someone from exercising a right, such as a fair trial, by hiding evidence or misleading the opposing party in a lawsuit.
Consumer complaint received 2022-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

just received my reinvestigation back from Equifax. They said everything is 100 % complete and accurate. I would like to receive the description according to 15 USC 16811 ( 7 ). 


Because the list of accounts below are not accurate. The open date, date last active, and date of last payment is NOT 100 % accurate. 


Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX They did not modify or delete the inaccurate information on my consumer report according to 15 USC 1681i ( 5 ) ( A ) ( i ). 

I attached a consumer report as evidence.and tracking number #
Consumer complaint received 2018-03-03
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (CO)

I'm in day 76 of a refinance. I have been told 4 times that I was approved upon a few conditions. Every time the conditions were meet and then comes a new set of conditions.They have lied 4 times and are charging new rate locks.There is no way they can turn me down because of my income and credit. So they go on and on with the lies.I have looked at the terrible reviews and now see what they are doing.
Consumer complaint received 2022-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

All three credit reporting agencies do not update payments or correct balances. Especially XXXX and Equifax. Equifax gave access to XXXX without my authorization. XXXX is reporting wrong payments on my car lease payments. This whole reporting agencies is out of control. Its like they are working for credit card companies, instead of consumers. They report things incorrectly to lower credit scores.
Consumer complaint received 2019-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CO)

XXXX XXXX XXXX is reporting incorrectly a balance of {$150000.00} to Equifax ; XXXX and XXXX on the XXXX XXXX XXXX partial account number XXXX. The actual balance is {$28000.00} pursuant to the statement dated XX/XX/2019 from XXXX XXXX XXXX. ( Please see page attached from my credit report as well as the statement dated XX/XX/2019 from XXXX XXXX XXXX. ) On XX/XX/2019 a Consent to Final Judgment of Mortgage Foreclosure was filed on my behalf. ( Please see document attached. ) Because there is a signed Judgment that has been filed with the Court, this line item no longer needs to be reporting and therefore it needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful. This incorrect reporting is harming my credit score.
Consumer complaint received 2019-07-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: WELLS FARGO & COMPANY (OR)

I recently attempted to enter the bank 's website and it wants to send a code to a U.S. cell phone and I'm currently traveling Internationally. I tried to call the customer service number and spoke with a rep that asked five minutes of identity questions and then wanted to transfer me again and I gave up. The first two questions should have been enough. I've been a customer for 35 years with a high credit limit and I explained all I wanted was to know what my balance was to pay the monthly payment. What I got was harassment in my opinion.
Consumer complaint received 2018-05-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

I was late for my mortgage payment due XX/XX/XXXX and didn't realize it because my mortgage was transferred from Guaranteed Rate to Fifth-Third Bank and hadn't had a chance to set up the autopay yet. I never received a phone call or mail regarding my payment being late until XX/XX/XXXX at my work number. Apparently Fifth-Third didn't have my cell phone number on record, probably because the mortgage was transferred from Guaranteed Rate without all of the information. I made a payment over the phone during that same phone call and was told that the late fee could be waived because I was unaware of my being late. I was also given information on signing up for autopay and have already mailed in the paperwork. However, I noticed that my credit score dropped almost 200 points because of this one incident and am VERY upset because this greatly affects my credit for my first and only offense where I was not even notified about it until it was too late. Also, I wasn't reminded about being late via email or mail. Is there any way to reverse the detrimental report to the credit agency? I tried calling customer service already but was told that nothing could be done. I am very upset because I didn't even choose Fifth-Third as my mortgage bank and it was transferred over recently and I'm very upset with this experience.
Consumer complaint received 2022-10-16
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: GOLDMAN SACHS BANK USA (WA)

XX/XX/XXXX XXXX Charge {$19.00} Goldman Sach Credit card ( Apple Card ) I initiated Chargeback request on XX/XX/XXXX for poor quality food undercooked and generally the worst I had seen from XXXX. I received a provisional adjustment on XX/XX/XXXX for the amount however Over 2 months and 2 billing cycles later there is still no actually amount that has been credited back to me as a refund that is part of my available balance contacted Goldman Sachs apple card service multiple times the 2nd to last time they reassured me it would be credited back back in days but never was then when i tried to contact them two weeks later got transferred around 5 times until so eventually gave up as I should not have to go through these hoops to get a refund they obviously messed up on this one and continually lied to cover it up as the only other chargeback i did with apple was resolved within the cfbp time period.
Consumer complaint received 2022-10-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (NJ)

From XXXX XXXX XXXX, I went on a trip and stayed in XXXX, Ohio. On the night of XX/XX/XXXX, my phone that had a cardholder on the back of it was stolen. In the cardholder were my license, metro card, and three cards. One was a credit card from XXXX XXXX, and the other were a debit card from Wells Fargo and a credit card from Wells Fargo. There was no cellular service in the area during my entire trip, so I was unable to log in to my bank account from another phone to shut off my cards. On the day of XX/XX/XXXX upon returning home, I was able to log into my bank accounts and saw that there were several hundred dollars worth of fraudulent purchases on each of the three cards. I immediately contacted XXXX XXXX and Wells Fargo to report fraudulent purchases on my cards. XXXX XXXX refunded me within the next few days. Wells Fargo also refunded me for the fraudulent charges on my credit card. Regarding my debit card, I reported 10 fraudulent charges that were made on my card totaling {$910.00}. Wells Fargo contacted me via email on XX/XX/22 stating that they had processed my claim. I checked on their website and saw that the fraudulent claim for {$910.00} was denied and the case had been closed. I called a few days later asking why this occurred and they reported that after reviewing the claim, no fraudulent activity was detected. And yet, Wells Fargo approved my credit card fraud claim. It makes no sense to me that they would approve one fraud claim on one card and not the other. My guess would be that whoever used my debit card got the vendors to run my debit card as if it were a credit card, meaning that they were able to bypass having to enter a pin number which only I know. Otherwise, they would not have been able to use my debit card. Also, the area I was in during my trip had thousands of vendors who had their own systems and devices for collecting card payments, which would have made it easy for whoever used my cards to continuously run my cards and have my debit card be charged as a credit card instead. However, I made it very clear on the phone when filing the fraudulent claims on both my debit and credit cards that my phone had been stolen with all cards in the cardholder in the back and that I did not authorize or make any of those purchases. I also explained that I did not have any access to cellular service during my trip which prevented me from logging into my account, shutting off my cards, and reporting the fraudulent charges earlier.
Consumer complaint received 2019-07-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (NJ)

Citi Bank Closed my XXXX XXXX Citi XXXX credit card. I would like to get my credit card back. There is no written statement that said if i missed some payments the card will be closed. I have been making regular payments toward this account. I would like to have this credit card back with the same terms and conditions. I dont want to reapply for another account if i have a card that was already given to me by Citi Bank. My friends have this credit card and i would like to be able to have the same advantages i had using this card.
Consumer complaint received 2022-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LEXISNEXIS (DE)

I called LexisNexis several times today XX/XX/2022 to file a dispute. The representatives started taking my dispute and when it seemed to be too many items, conveniently after being on hold for 2 hours said she could no longer process my dispute and transferred multiple times until I was eventually hung up on. Their website does not allow for consumers to create an account to dispute. I am at my wits end simply trying to get a dispute filed with the company with no clear direction.
Consumer complaint received 2022-03-02
Product: Credit card or prepaid card — Store credit 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. (WI)

I applied for a credit card for a department store purchase on XX/XX/XXXX. I was approved for the card and proceeded to purchase furniture on said card. My delivery was set for XX/XX/XXXX but my home was not ready to take delivery so I rescheduled for a later date. I also opted out of one of the furniture items prior to my scheduled delivery. I received the furniture on XX/XX/XXXX. I received an email on XX/XX/XXXX stating a payment was due XX/XX/XXXX. I called the credit card company on XX/XX/XXXX letting them know I didnt receive a bill yet and just recently received the merchandise. At the time of the call the representative stated she would make a note and that I shouldnt pay until XX/XX/XXXX and she would make a note regarding any late fee to be removed. I requested my account be removed from electronic billing statements and would like to continue receiving a paper bill instead. On XX/XX/XXXX I received a collection call from XXXX XXXX regarding my past due bill. I explained the previous conversation with customer service and also requested more detailed information on the balance due. The collection representative stated she couldnt request an late fee adjustment unless I agreed to pay the amount past due. I was very upset the previous rep didnt request this adjustment or note my account. I feel this situation is predatory lending. I was never told my billing would start the date of the transaction instead of my delivery date. I also have never received my initial bill even after I requested it on XX/XX/XXXX. This has caused me emotional distress and a financial hardship because I wasnt prepared to make a payment until after I received the merchandise. My credit score was impacted by the transaction because it reflected a balance above the amount of merchandise I received. The company was only willing to reverse the late payment after I made a payment and is requiring me to pay the late fee to later credit towards my merchandise purchase. In total I authorized {$140.00} payment to eliminate any past due marks on my credit however I also need to pay an additional {$29.00} for the late fee even though the payment should go to my balance. I believe during my credit application I was automatically signed up for electronic statements that didnt allow me to dispute this prior to my due date. The company will not acknowledge there was a break down in communication from the initial credit approval. They will not assist with any corrections to eliminate my minimum payment being a lot higher with less merchandise actually received.
Consumer complaint received 2019-08-03
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: SYNCHRONY FINANCIAL (GA)

XXXX XXXX through XXXX XXXX and Associates of XXXX Georgia have recently garnished my paycheck on XX/XX/XXXX and XX/XX/XXXX for a debt that was already satisfied by XXXX XXXX/month consecutive payments made first in XX/XX/XXXX through XX/XX/XXXX. I have my cancelled checks as evidence. It would appear that once i satisfied the debt, the debt collector had a responsibility to file the appropriate dismissal with the same court they filed the suit in. This unlawful garnishment has caused me and my family immeasurable pain as I had my home on the market and was under contract for my new home when I was made aware of the garnishment.
Consumer complaint received 2022-10-17
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2022-03-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (WA)

On XX/XX/22 I opened a Wells Fargo Checking Account using their online portal. 

There was an option to fund the account after going through the process to open it. 

I utilized my XXXX savings account to initially fund the account ( {$25.00} ), using Wells Fargo 's online portal. 

I then closed the account on XX/XX/22 as I opened another checking account with wells fargo at my local branch. 

The funds were successfully debited from my XXXX savings account, but Wells Fargo has no record of the transaction happening. 

I have called Wells Fargo multiple times, taking to various teams but no one is able to locate the money.
Consumer complaint received 2022-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE (CO)

On XX/XX/XXXX I made a report to Barclays Bank about a fraudulent charge by XXXX for XXXX on my account. A fraud investigation was opened by the Fraud Investigation Department on XX/XX/XXXX. I received a letter from Barclays Bank on XX/XX/XXXX stating that the investigation had been completed and that it had been determined as fraud and that I was NOT responsible for the charges. However, I continued to be charged by Barclays relating to this and I accumulated late fees on top of this. It was also reported to all credit bureaus as a delinquent/late payment in which my credit score suffered. I called Barlcays Bank on XX/XX/XXXX to have the charges removed from my account and for Barclays to report an error on their end with all credit bureaus. I was told that the charges and late fees would be removed from my account within 24 hours, and that they were escalating my file and that it would be resolved with the credit bureaus in 7-10 business days. It was not. I called again on XX/XX/XXXX as charges and late fees were still appearing on our account and our credit score had not been rectified with the credit bureaus. I was told again by an employee of Barclays Fraud Investigation Department " not to worry '' and that the late fees would be removed from my account within 24 hours and that they were ( again ) escalating my file that it would be resolved with the credit bureaus " guaranteed '' in 7-10 business days. Again, it was not. I called a third time on XX/XX/XXXX. They finally removed the charges and late fees from my account and AGAIN told me that they would escalate my file. This time I was told specifically that a letter on Barclays letterhead would be sent to the credit bureaus and to myself stating that it was a reporting error on Barclays end and that my credit score issue would be resolved no later than XX/XX/XXXX. I called again today, XX/XX/XXXX. I spoke with XXXX ( employee number XXXX ). XXXX told me that it had not been escalated at this time. I was told that she would again escalate it, but now it could take 30 days to receive a response. This issue, that we have been dealing with since XX/XX/XXXX, has significantly impacted my credit score and prevented me from important financial decisions.
Consumer complaint received 2017-04-26
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: ALLY FINANCIAL INC. (MO)

I would avoid u sing Ally. Their return policy is deficient, my vehicle sat on the dealers lot for 4 days before someone inspected it. In that time damage appeared and now I am held responsible for the damage. The inspection should be  done while the owner is present, like most other leasing companies do.