davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BBVA FINANCIAL CORPORATION (CA)

On XX/XX/2018 I initiated a external transfer from an outside bank account. In order to do that they require verification of the account by verifying two small deposits made to the external account. Everything was verified and the account was added. I then initiated the transfer of {$2500.00} and it was successfully deposited into my account. They allowed the transfer after verifying the external account then froze my account stating they need to verify my identity. They told me the only way to verify my identity is through a bank statement for the external account. They wouldn't accept any other documents. No ID no passport or anything else. Just bank statement for the external account. I transferred the money at the direction of my wife because she was closing her account and she didn't want to wait 60 days for XXXX prepaid card to mail a check. Simple bank froze my account and won't allow me to access the funds in the account they won't let me close it out and get my money back. But somehow Simple bank has allowed a transaction from XXXX to happen and they won't fixed the unauthorized charge until I send them a bank statement for the external account which is not available. That account has been closed since the transfer was initiated. I just want to make a transfer to withdraw my funds and close the account. I can verify my identity with a driver 's license and passport as well as have my wife verify that she instructed me to initiate the transfer. I can also provide proof that she is my wife.
Consumer complaint received 2022-09-27
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: VEROS CREDIT, LLC. (IL)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc. (TX)

All the credit bureaus, XXXX, XXXX andExperian have been dropping my credit scores without any reason. No changes were made to my credit report, yet, my score is being negatively impacted. Experian recently dropped my credit score by 4 points despite the fact that nothing changed on my report. 
After researching and speaking with my attorney, it has come to my attention that this fraudulent activity has happened to many others as well.
Consumer complaint received 2022-10-12
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. (CA)

Please see attached. The loan from XXXX XXXX XXXX XXXX XXXX is not a mortgage or heloc loan. This information is inaccurate and needs to be corrected and or removed. Please investigate. The attached was sent in today 's mail via certified mail.
Consumer complaint received 2022-09-27
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. (FL)

XXXX XXXX XXXX Balance : {$0.00} and XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX.A. ) XXXX XXXX : {$720.00} are reporting on my personal credit file with 3 Bureaus credit reporting agency. These accounts was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me.
Consumer complaint received 2022-10-12
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (VA)

I used a tax preparer to file my income taxes for XXXX in XXXX of this year ( XXXX ). Once I sent him all of the pertinent information, he told me what my return amount would be. However, he lied about the amount, as I was not even able to track it on the IRS ' website, he also never gave me a copy of my return or allowed me to authorize it. My refund never showed up in the account that I authorized the XXXX preparer to send it to. 
I later found out that the preparer had my refund routed to a third-party service then known as XXXX ( now XXXX Bank ) , that he had allegedly taken his fee out via their bank, they had also taken out their fees, and then he allegedly sent the remainder of my refund to a completely different financial institution ( Wells Fargo ) than I had authorized him to. I reported this incident to the IRS and was told to contact the preparer ( who can no longer be reached... surprise surprise!!! ) and they also did an investigation ( if that's what you want to call it ) that took XXXX months. After those XXXX months, I still have no resolution. I have reached out multiple times to both XXXX Bank ( XXXX XXXX ) and Wells Fargo and they both continue to pass the buck and play games with my money/livelihood. XXXX Bank maintains that Wells Fargo is not cooperating with them, and Wells Fargo claims that they have no record of any wrongdoing, because they don't have the account information in order to investigate. However, XXXX Bank claims they have sent numerous faxes and e-mail to Wells Fargo requesting that they fill out an indemnity form, but Wells Fargo Execs and branch representatives continue to claim that they ( allegedly ) have never received anything from sender ( XXXX Bank ). So, here I am, months later, still without my refund because of an apparent scammer and ***hole who has inconvenienced me and my family ( of whom includes a XXXX XXXX ) beyond measure. Luckily, a taxpayer advocate did assist me recently and gave me some pretty valuable information/advice to proceed with things. I just want this situation resolved so I can move on with my life and continue to take care of my family. I'm a single parent ( not by choice ) after COVID hit, and enduring such an unplanned event is taking a toll on my health. I want the tax preparer to be held accountable for his actions, and I'd like a resolution to happen some time this year.
Consumer complaint received 2020-12-11
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Neon Newco Corporation (TX)

Netspend sent a prepaid credit account to an address that I haven't lived for 7 years. Luckily, my friend bought the house from me, and texted me the info. I can not believe they are allowed to send unsolicited credit cards, that can easily be activated by anyone. I tried to call to have them remove my information from their database, but it won't let you speak with a representative, it will disconnect the call if you don't activate the card. I also sent them an email. I do not want my name associated with this.
Consumer complaint received 2022-01-05
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

My account with Indigo card services was paid in full on XX/XX/2021 and the account was closed, however it is still reporting negatively on my account and greatly affecting my credit score
Consumer complaint received 2024-11-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (DE)

In XX/XX/year>, I made a hotel reservation that was later canceled by the hotel, not me. Despite this, I was charged {$390.00}. On XX/XX/year>, I filed a chargeback request with Citibank, citing that the cancellation was initiated by the hotel and not by me, making me eligible for a refund. The dispute reference for this case is XXXX. 

Citibank investigated the claim but denied the chargeback, stating that the merchant provided a cancellation policy. However, this policy is irrelevant since the cancellation was beyond my control. 

Furthermore, Citibank failed to notify me of the investigation 's status or provide an opportunity to submit supporting evidence. As a result, I was unable to present critical documents, including correspondence with the hotel confirming their responsibility for the cancellation. 

This unresolved chargeback has caused my account to become overdrafted, and now it has been reported to risk agencies. This has created unnecessary financial and reputational harm. I have contacted Citibank to request a reopening of the investigation and have offered additional evidence, but my concerns remain unresolved. 

I am seeking CFPB 's assistance to ensure this matter is fairly reviewed and resolved promptly. 

Thank you.
Consumer complaint received 2021-12-07
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (AZ)

I have a Wells Fargo Home Mortgage loan that is secured by the VA, during XXXX of 2020 I applied for the XXXX XXXX protection and I managed to bring my account current. Hove even Wells Fargo is reporting to the credit bureaus that I was late in XXXX of 2020 despite applying for and being accepted into the XXXX mortgage programs. Also Wells Fargo is reporting an in accurate due balance to the credit bureau 's of $ {$190000.00} being due on the account and the correct balance due is {$190000.00}. A few years ago several states sued Wells Fargo for charging fees on accounts for being late that included fees for inspections. Wells Fargo was supposed to refund that money to customer yet they never did on receive a credit or those fees removed. So what they are doing now is attaching it to my balance due statements.
Consumer complaint received 2023-02-01
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: TransferWise Ltd (VT)

Hello. 

I booked a vacation rental in XXXX, XXXX that I discovered on XXXX The listing on XXXX directed me to this website. XXXX XXXX XXXX 

Through this website I inquired about the vacation rental I was interested in. I received a response. I was told the property is available and that I needed to transfer the full amount of the rental in order to secure the booking. Because this was through a XXXX booking site, they only allowed direct bank transfer. I used a site called wise.com to transfer XXXXXXXX euro into the account information provided. XXXX XXXXXXXX. I then received a confirmation of the booking. Also I was told I could cancel up to 24 hours before the booking.

When I tried to access the listing a few months later, it was completely gone. When I canceled the booking, I never received a refund. When I tried to contact the agency XXXX XXXX XXXX  I never received a response. 

Upon further inspection, this website is clearly fraudulent. Listings and descriptions dont match locations etc etc. They bate people through XXXX with the lure of a cheaper booking on their website. They further incentive the booking by allowing for a generous cancelation policy. 

I have reported this website and fraud to the US FTC and a local police precinct in XXXX, XXXX. 

I used Wise.com to transfer the funds to XXXX. One payment from my US checking account and one payment via my us XXXX credit card. 
I have requested that wise request a return of fund from your bank, but they do not seem able to do this. 

I will attach documentation of all related transactions. Email communication and police report. 

This website is still active and likely continuing to steal money from people. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: American First Finance, Inc. (IL)

I have submitted payment coupons to this company and they refused my tender of payment. This is for American First Finance and they have also taken unauthorized payments out of my personal bank account. My personal account was added because it was required to finance the furniture that purchased that day but I did not authorize that payment should be removed from my personal account. The payment was removed from my account in XXXX and XXXX XXXX XXXX and they keep sending e-mails to me and calling me to make a payment even though they took the payment without my knowledge. I have sent them a cease and desist order to not contact me via phone or e-mail, only by letter but they have not respected my wishes. Also, the overall amount was just under {$2000.00} but the recent bill that I received said a little over {$5000.00} was owed to them.
Consumer complaint received 2022-06-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights XXXX XXXX Account # XXXX, has violated my rights XXXX XXXX Account # XXXX, has violated my rights XXXX XXXX Account # XXXX, has violated my rights XXXX XXXX XXXX Account XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX Account XXXX XXXX XXXX has violated my rights XXXX Account # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) XXXX States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-10-22
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Midwest Recovery Systems (TX)

Midwest Recovery Systems reported a debt from a Payday loan company, 12 XXXX XXXX XXXX  for XXXX dollars on XX/XX/2019 to all the credit bureaus. I was never notified of this debt and I don't know anything about it. No information about the original debt was included with the credit bureau and I was never notified in writing about this debt. Midwest Recovery Systems. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX
Consumer complaint received 2022-12-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I sent a certified letter to transunion on XX/XX/2022 and I haven't gotten a response back yet that they have received it according to the law they are supposed to send me something in mail within 5 days after they receive it and they haven't and this is a violation
Consumer complaint received 2022-07-14
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: CAPITAL ONE FINANCIAL CORPORATION (CO)

These accounts and Inquiries on my credit report are fraud. I would like for them to be removed, because it is affecting my credit score and me and my family being able to rent and get a car. 

XXXX XXXX XXXX {$3000.00} Acct # XXXX XXXX XXXX XXXX {$1600.00} Acct # XXXX Capital One Auto Finance {$4500.00} Acct # XXXX XXXX XXXX  XXXX XXXX XXXX Capital one auto Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX capital one auto finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX captial one auto finance XXXX XXXXXXXX XXXX XXXX capital one auto fincance XXXX XXXX capital one bank usa capital one XXXX XXXX XXXX capital one XXXX XXXX XXXX capital one XXXX XXXX XXXX XXXX XXXX XXXX capital one
Consumer complaint received 2022-06-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (CA)

I got a care credit loan thru Synchrony bank at my dentists office. I was told I wouldnt have interest for 18 months as long as I made the minimum payments. I actually called them I day I got approved to sent up auto payment to pay off the amount by the end of the 18 months. I then was met with an email 18 month later saying I had {$1500.00} sent in interest. I then found out that they sent my auto pay to the minimum instead of the amount I asked for. I know o should have been checking but I was 3 month postpartum and set it up so I didnt have to worry about it. On top of that I found out they we charging me $ XXXX {$70.00} a month of a card security fee that I didnt sign up for and I was not informed about. They claim it was a voluntary charge but I didnt volunteer for it. They only refund some of the charges amounting in {$610.00} refunding to me but they are still trying to over charge me {$350.00} to pay off before they permanently add the {$1500.00} to my account. I have talked to them numerous times even doing the basic math over the phone with them but they are refusing to listen to there own statement balances. On top of that I cant even get a copy of the last 18 months of statements that only show the last 12 statements so I dont even now if my refund of {$610.00} is correct cause by the collections of just the last 12 month they would owe me {$550.00} so add another 6 months and it should be around {$900.00} not {$610.00} but I can even verify because I cant see my statements. I have tried to be civil but they refuse to even try to listen to the fact that they messed up and are trying to charge me an addition {$350.00} minimum.
Consumer complaint received 2021-08-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (FL)

I was notified by XXXX XXXX XXXX about paying my debt or get sued. I received a subpoena for court and the account was completely paid in full and closed on XX/XX/XXXX. XXXX XXXX XXXX updated the credit bureaus that I owed $ XXXX and that the account was not paid in full, they have yet to report this to the credit bureau either. Also, Citi bank sold the debt and were paid for it yet they would not remove this debt from my report either. My concerns are that after disputing this account of XXXX XXXX XXXX my credit score dropped over 50 points, and All I was disputing was the fact that they had not shown the account was paid in full to the credit bureaus. As of now I have two negatives on my report from XXXX XXXX saying I owe $ XXXX and one saying I owe $ XXXX, my one account with them has been paid in full and closed.
Consumer complaint received 2023-04-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Block, Inc. (OR)

I use the app Cashapp which is linked to a card. I have attempted to contact the company on two separate occasions regarding offers they list to entice people to make purchases. The first offer was on XX/XX/XXXX for a purchase of {$19.00} and was supposed to apply a 'boost ' for 75 % off. It didn't go through and they said there was nothing I could do. 
On XX/XX/XXXX I made a purchase using a discord boost to give99 % off one purchase with a total discount of up to XXXX XXXX I made a XXXX purchase and it took the full amount, so I contacted customer support. Customer support has informed me that I need to file a complaint by pressing the three dots on the program screen and mark that my boost wasn't applied [ which it was ]. There is no option to do this and since it's not an available option there is 'nothing that can be done. ' I have searched the web for this issue and it has been ongoing for months with this app. 
https : XXXX People are complaining about them not applying the boosts and customer support not doing anything.
Consumer complaint received 2021-05-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Coinbase, Inc. (WA)

The scammer met me on Social media and talked with as friend for a while. He talked about his recent investment in btc and he was very profitable. Then he said he can teach me how to invest and invest for me. He started to teach me to open a cionbase account. I had never contacted Coinbase before, so he has my phone number and Email information, I assume he can guess my password or hack into my email cuz I setup easier .Then he ask me to download another fake platform named XXXX app ( after reading the news report, I found out that it was a fake platform created by the scam group after the scammer ) in order to steal the victims personal information from cionbase Money or currency transfer. And I have couple transactions cost {$33000.00} been sent to a digital wallet chain address with out my personal permission. I try to file a claim from chase bank and Coinbase regarding this fraud, unfortunately with no response or said cant help. I feel very depressed and helpless. I believe that the big platform cionbase has such a big loophole that makes it easy for scammers to commit crimes, and the big bank chase XXXX trust is so incompetent that it can not protected their customer 's money, can not be recovered even if the scam. I did report to FBIXXXX XXXX XXXX XXXX enforcement when I realized everything was scam!
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CO)

I have attempted multiple times to fix incorrect information on my credit report with Experian. XXXX  and XXXX  are reporting solid information. I have a score of XXXX and XXXX respectively with them. Experian on the other hand has been always in the low 600 's. I was just denied for a credit card with XXXX because of them. They are frauds!