davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-04
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CA)

I have submitted a complaint about Wells Fargo to your company during this process due to there misconduct. I want to Thank You, your company is amazing and the problem I submitted was remedied thanks to CFPB. 
On XX/XX/XXXX I opened a short sale contract in order to avoid foreclosure. My agent is very experienced and successful in short sales and dealing with different lending companies.We have had nothing but trouble with this company now going on the 6th month of trying to work with them. The one point of contact who we unfortunately have to work with supposedly ordered the appraisal XX/XX/XXXX. My agent was to be the point of contact in order to let appraiser into the home which typically can take 7-10 business days. We didn't hear from anyone until XX/XX/XXXX The appraisal was done on XX/XX/XXXX the appraiser told my agent that he was the only appraiser for Wells Fargo in a 400 mile radius and that he had 22 assignments to do that day. This concerned my agent due to her past occupation being Real Estate Appraiser and knowing the time and detailed work an appraisal takes. The appraisal on the property came back very high for the condition the home is in. My agent then appealed the appraisal and supplied pictures and estimates of work to be done to support the lessor value on XX/XX/XXXX. XX/XX/XXXX the point of contact called me to let me know that our appeal to value was denied. They gave no reason for this conclusion. In the 6 months of trying to work with Wells Fargo Loss Mitigation I have been Denied a short sale until my agent appealed that under the PFS procedure under the HUD guidelines. Then we appealed the market value and have been denied. Wells Fargo and the employees in the loss mitigation department do not follow the Required HUD guidelines nor do they try to help homeowners under the Homeowners Bill of Rights.
Consumer complaint received 2020-02-04
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. (UT)

XXXX XXXX XXXX # XXXX is reporting an account to my credit file with a balance that it should not have. This debt is paid off and I need the entire account removed or updated to show a good account.
Consumer complaint received 2020-11-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: ZIONS BANCORPORATION (NY)

I sent {$5000.00} to get double the money back to me. Here is the promise that explained to me. 

It's XXXX XXXX, they work under banking and we have a Company accounts Im also a online advertising marketers so I also get my salary, they trade XXXX and they need more than {$30000.00} daily. So they giving out basically free money and using it as a tax write off before tax seasons to be eligible for certain tax breaks as a XXXX  XXXX company. They dont really lose because they get most of the money back during tax time by writing it off as charity expense They doing this to help people, and have those same people help promote the brand while getting paid to do it.. 
Then I was given this number to send money XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
But not only I havent received any money but I also asked them to return my money back and they promised to do so but his bank Nevada state bank refused to return the money to me and my bank XXXX couldnt help me to aske the bank to release the money to return to me.
Consumer complaint received 2020-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed items are listed below. The following item is inaccurate and negatively affecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. In addition, there are a number of credit accounts that have been inactive for more than seven years. As you know, the FCRA states that all credit older than seven years should be removed from my report. Therefore, the following accounts should be removed : Creditor : XXXX   XXXX- Account : XXXX Creditor : XXXX XXXX Account : XXXX Creditor : XXXX XXXX  XXXX , XXXX Account : XXXX This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay this creditor.
Consumer complaint received 2020-02-05
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: Experian Information Solutions Inc. (AZ)

Experian has boost which shows you pay your bills every month. They use your checking account. They could not find my mortgage payment to XXXX home loan even after I called them twice and talked to them. Now they are saying I am not paying my electric bill because they can not find it. It is listed as XXXX every month on my checking account. All bills are auto payments. They send me emails saying apply for this card and it will improve your credit score.  I applied to one of the cards they send that was through XXXX  XXXX XXXX. XXXX   XXXX XXXX denied it because of the report from Experian. Experian then dropped my score 100 points because of this. I work as a XXXX  XXXX  and have tried to get it on my credit report but they will not put it on they say on of my creditors has to put it on so it looks like I have a low income. I have been with XXXX for over 10 years and I can't get it added to Boost. My credit score should not be listed as poor. Experian is destroying my credit. Could you please help me with this.
Consumer complaint received 2020-02-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WEBSTER BANK, NATIONAL ASSOCIATION (MA)

On XX/XX/XXXX, I opened a checking account over the phone. This was tied to a promotion advertised on a flyer that I received in the mail. The promotion offered {$400.00} for opening a Premier Checking account and having a {$500.00} direct deposit prior to XX/XX/XXXX. I met the offer terms as required. Bonus was to be paid on XX/XX/XXXX. 

I did not receive the bonus on XX/XX/XXXX. I contacted the bank on XX/XX/XXXX and XX/XX/XXXX and have spent over two hours, however the reps have been unable to resolve the issue. 

I am currently still waiting for the {$400.00} bonus to be paid to my account.
Consumer complaint received 2020-02-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I want to access my account online. They stated WITHOUT QUALIFICATION that they will NOT allow me to do so without providing them my mobile number. I escalated the matter and was told the same thing. 

I offered to provide my email address, which they have, as an alternative. THEY REPLIED THAT ONLY A MOBILE NUMBER WILL SUFFICE. 

How do these companies get away with this? It is mind-boggling that they do this, much less BE ALLOWED to do so. 

I dont have to tell you that they had the biggest data breach in the history of time not to long ago, not to mention that our cell phones are becoming the most important device in our possession, aceess to which CapitalOne and EVERYONE ELSE wants to use in solicitations, and/or worse, to provide to someone else ( sell ) in an affinity or subsidiary arrangement. 

This is strong-arming at its worst.
Consumer complaint received 2020-02-04
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Block, Inc. (MD)

I have repeatedly sought assistance from the Company. I have money that is in my account after deleting the app restoring several times on two different devices. I finally get in to the Support team to share what has been happening my account has money in another account. The support team deletes my account/accounts two of them which I never was aware of always had one account. I informed them I have been asked for driver license, phone number, to create an new account which i did not need one ; just trying to get into the one currently have with company. They ask : It's best to provide any email addresses, phone numbers, $ Cashtags, or zip codes that may have been linked to a Cash App account in the past. I'm unable to assist with the account unless I have the accurate information.

I provide first time hashtag information, bank card, bank account 4 digits, then they said email does not match account. Then give hashtag and government name, account number and card. They find my information delete account on my app for me to put new card in bank account information but then no cash in my account. I respond did what was asked to say '' oh apologies '' you have a third account unable to merge accounts until you submit the correct information. Informed them after repeated conversations I do not have third account wanted to speak with a Manager with no availability another team support persons stated need this information as I stated is this a scam because how can I have another account when i was assured what I submitted was all that was needed until it was time to release my money that is floating around. Providing snapshots of transactions, gave detailed response of all required information. SMS text stating when attempting retrieveal of cash that it was allegedly claimed by who? Account shows no $ hashtag with my name just a name shows my contact number my account always had my picture
Consumer complaint received 2020-02-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: SYNCHRONY FINANCIAL (MD)

On XX/XX/2020, I made a payment of {$1600.00} to Synchrony Bank as payment on my XXXX credit account. My XX/XX/XXXX, XXXX statement showed that I had to pay {$1800.00} by XX/XX/2020, to avoid all deferred and continuing interest charges. I had earlier in the month paid {$200.00}. On XX/XX/2020, my bank removed {$1600.00} from my checking account and transferred it to Synchrony Bank. As of today, XX/XX/2020, Synchrony Bank refuses to acknowledge receipt of that money and apply it to my account. I have called them twice, they say the payment is " on hold '' and won't be credited for at least two more weeks, even though the money is gone from my checking account and in their possession. I also attempted to submit a complaint on the XXXX credit " Resolution '' page at least three times, and every time I get an error message conveniently claiming they're having " technical problems, try again later. '' I did manage to submit a complaint through their " review '' page of the Resolution page, for what that is worth.
Consumer complaint received 2020-02-04
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. (FL)

XXXX  and Transunion are incorrectly reporting me as an Authorized User on the XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I called XXXX XXXX and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User XXXX. I have contacted the bureaus to remove this item however, I have not been successful. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report.
Consumer complaint received 2020-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (CA)

Keep in mind I was a victim of fraud and identity theft, the Account is still being reported to my credit report and damaging my score daily, so the statute of this item has in no way expired.

At this point, I want an immediate deletion letter from Chase Bank.

I have a federal litigator who is ready to take this on contingency and he assures me based on the home financing opportunities I've lost, and several lines of credit I've been turned down for, that this case is worth over {$100000.00}. If this matter continues to take much more of my time, I'll simply turn it over to the federal litigator to pursue in Federal court. 

Back on the XXXX of XXXX, I sent you a frendly letter to dispute my account and Chase just ignored it, not even mark account as disputed in reports. 

Again I'm just asking for what's fair. My income is well over $ 100k a year, at this point it's a matter of principle not the money. 

I have enclosed an FTC report since 2015 and when they time made it I thought only that company had fraud relation, then I realize that there were multiple accounts fraud related and Chase is one of them. 

Best XXXX XXXX
Consumer complaint received 2020-02-04
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Applied Data Finance, LLC (OH)

I am a mother of 4. During a hard time, I took out an {$8400.00} loan from Personify Financial on XX/XX/XXXX. The original interest rate is 78.69 %. 36 month term. I have paid to date {$8500.00}. Only {$1500.00} of those payments have gone to the principal balance. The other {$7000.00} have gone to interest. I am on an automatic payment plan bi-weekly. {$260.00} comes directly out of my bank account every 2 weeks. I have never been late on a payment to this company. They offer a 3 % interest rate reduction for every 13 payments. My interest rate is currently 71 %. This is a predatory loan. This is unethical. This company is charging exceptionally high interest rates. I have paid OVER the amount that I asked for. At this point, I am throwing money out the window. I can not afford this any longer. I have called numerous times demanding supervisors, and nothing has been accomplished. I offered them {$500.00} more to close out my loan. Which would put me over {$9000.00} out of pocket when I only financed {$8400.00}. IF I pay this loan until the maturity date which is XX/XX/XXXX, I will have paid them OVER {$20000.00} for a {$8400.00} loan. This is absolutely 100 % predatory.
Consumer complaint received 2020-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

I contacted all three Credit Bureau ' advising them that Chapter XXXX bankruptcy REFERENCE # XXXX was showing on my credit and this was inaccurate and all my accounts were closing. I was victim of identity theft or mixed file from a bankruptcy in XXXX, Al with someone with a similar name and last four SSN. I contacted the Bankruptcy Court in XXXX XXXX of Alabama, they could not provide any additional info. They also advised that no one has contacted them trying to verify that this bankruptcy is mine. Someone else 's bankruptcy is destroying my credit standing.
Consumer complaint received 2020-02-05
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: HUNTINGTON NATIONAL BANK, THE (NC)

I've continuously attempted to have Huntington National Bank go through and do a historic review of my accounts ; interest earned on promotional rates since 2014 ( which includes promotional Money Market Account ( MMA ) rates ) as the money paid, for monthly interest, from time-to-time,  does not accurately reflect the rates ; I am owed interest between my checking and savings accounts. Since this request has been put in and ignored by customer representatives. I've made repeated attempts to resolve the issue ( s ) yet have faced being neglected. In this instance, Huntington to re-calculate with he promotional rates assigned for my checking and savings accounts. I've tried in good faith in effort to resolve such matters. 

In additional, Huntington National Bank also needs to confirm the closure of each of my business accounts had XXXX  balances before they closed those accounts out as according to my records there were funds. There are numerous business accounts. It was outside of my will or knowledge that Huntington Bank closed those business accounts and have not responded over several years to confirm the request of a XXXX  balance with evidence. 

I feel that, being subjected to the actions over the course of several years, I am full entitled to these actions in good merit and keeping order Huntington Bank realize the deficiencies for the issues provided.
Consumer complaint received 2020-02-04
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. (OH)

Today XX/XX/20 Equifax took it upon themselves to add an extended fraud alert to my credit report when I never asked for one. I do not want a fraud alert on my credit report.
Consumer complaint received 2020-02-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: American Payment Holdco, Inc. (IL)

Received a letter dated XX/XX/XXXX, referencing case ID XXXX stating " your Popmoney service has been suspended '' ... 
It shows a number to contact : XXXX ... '' to avoid cancellation of your Popmoney service account ''. 

I do NOT have a pop money account. I used pop money in around XXXX or XXXX once or twice but never after that. When I used pop money it was to receive money from a person who was subleasing my apartment at the time. 

Letter states I will be " unable to use your Popmoney account until you contact us ''. 

Letter states that for prompt reactivation I can contact the number I mentioned above or I can submit a certified check or money order payable to " Payment Processing Center '' at XXXX XXXX XXXX XXXX TX XXXX. 

At the bottom of the letter : " POPMONEY RETURNED TRANSACTIONS ... 
Recipient XXXX XXXX Amount {$99.00} Payment date {$99.00} Reason returned : Account Frozen '' I do not know a XXXX XXXX, have not attempted to pay this person, and I do not have an active pop money account.
Consumer complaint received 2024-10-22
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

Capital One is reporting fraud on my credit report. Capital One has claim to written off the debt with the IRS, therefore a 1099c should have been sent out or there should not been a reporting on my credit report. So I would like Capital One to inform me, has the debt been written off with the IRS. If so please remove the debt from my credit report or move to arbitration. I am in need of a accurate credit report. And a charge off should only be reporting once without the balance. Please investigate the wrongful use of Capital One reporting on credit report. Card ending in XXXX
Consumer complaint received 2020-02-04
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. (NY)

I attempted to fix this ongoing issue with Experian for months. I've sent multiple letters asking that they fix the issues. It is severely hurting my ability to obtain property and live my life in peace. There are unverified accounts listed on my credit report. I've asked for proper verification and the METHOD of verification for months now and each attempt has been ignored. XXXX  and XXXX  were unable to verify those account listed and deleted them. But experian refuse to update my account to what's accurate and tell me who verified the accounts and what method was use to verify the accounts. 
They also reinserted several accounts after deleting them without given me a notice or proper validation of accounts that the claimed are verified, which is a violation of the FCRA. 

The unverified accounts are as listed- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX, XXXX XXXX XXXX, and 2 accounts from XXXX XXXX XXXX 

I've sent my last letter via certified mail. This is my last plea before taking legal action.
Consumer complaint received 2020-02-05
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: EQUIFAX, INC. (CA)

Equifax continues to report incorrect information on my report regarding XXXX  XXXX XXXX, which shows as a closed account on my credit report. The XXXX  XXXX XXXX account on my report is fraudulent and does not belong to me. My identity was stolen and I reported that to Equifax and to XXXX  XXXX XXXX over a year ago. Equifax still has the account on my report and allows XXXX  XXXX XXXX to report inaccurate and fraudulent monthly updates on my report. I would like for Equifax to remove the closed XXXX XXXX XXXX from my credit report as it is fraudulent and identity fraud.
Consumer complaint received 2020-02-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

I issued a check from my community bank, XXXX XXXX, to XXXX XXXX, check number XXXX in the amount of {$55.00}. XXXX  is a fairly new community bank and I have heard that some of the larger banks, namely XXXX and Bank of America were not recognizing their payments or checks. In this case, XXXX called me to tell me that Bank of America rejected my check payment. I verified that my account had sufficient funds, in this case, many multiples over the amount of my check and then with XXXX  that the check was not presented for payment. It is clear that Bank of America 's antiquated systems are not being updated for newer community banks and they mistakenly rejected my payment. They caused me unnecessary time and embarrassment by rejecting my check payment to my vendor.