davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

Experian credit report is XXXX I have a credit application to XXXX XXXX  XXXX  looked at on XX/XX/2022
It affects my credit score and it was fraud by XXXX or experian. Either one looks bad on my credit report. I have a freeze on my credit report. So I have no idea how it got there. It doesn't matter how it got there it needs to be taken off my experian credit report. Take off the hard inquiry on experian report.
Consumer complaint received 2022-02-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo attempted to charge an account that I did not ask them to charge and that had been closed for over XXXX years. On XX/XX/XXXX I made an online payment of {$500.00} from my XXXX XXXX checking account ( XXXX ) to my Wells Fargo credit card. On XX/XX/XXXX Wells Fargo sent that {$500.00} back to XXXX XXXX ( " adjusted payments '' ) and they charged me a {$29.00} fee for a " returned check. '' I got an alert from Wells Fargo that same day that they had received information that my XXXX XXXX account was no longer active. They showed the account number ( XXXX ) that account had been closed since XX/XX/XXXX. My XXXX XXXX account shows confirmation that I sent the {$500.00} from my currently open checking account. I complained to Wells Fargo, they said they will return the {$29.00}. XXXX XXXX has provided me documentation to show that the account was closed in XXXX and I have taken screenshots to show that my open account was used to send the payment. Wells Fargo said that they opened an investigation into the issue. Due to Wells Fargo not properly processing my {$500.00} payment, I went over my credit limit. 

While I spoke with Wells Fargo representatives, they repeatedly suggested that I had typed the wrong account number.
Consumer complaint received 2023-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

Recently attempted to get a vehicle for my business and found out my credit was an issue. 
Upon pulling my credit to review it, I noticed issues with the amount of addresses on my report that do not belong to me. Possibly ID theft or mixed up with someone elses information. 
I sent a letter to have the information removed from my credit report. 
I received a letter from XXXX XXXX whom I placed a freeze on to prevent my information from being misused and are now saying they are investigating my information. 
I didn't ask XXXX XXXX to investigate. I asked the credit reporting bureau to remove this information from my file.
Consumer complaint received 2022-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: FC HoldCo LLC (SC)

This vehicle is actually my daughter 's. I originally was only supposed to be a cosigner. The beginning of XXXX I got an alert from my credit monitoring that a late payment was reported. I immediately made contact with Flagshit credit acceptance llc to find out what was going on. They informed me a payment was passed due 30 days. They informed me I was the primary on the loan but they did not have my contact information. I made all the payments to get the loan back to current. I then asked well if I'm primary why have I not been contacted about the late payment? They had no actual answers and just kept referring me to other departments. These departments have no direct contact for me to explain my case. I've emailed them and was assured they would make steps to correct my problem. They then told me their investigation found that they reported correctly. ( they said this to my disputes with credit bureaus as well ) my problem is how can it be accurate reporting when they aren't willing to admit to the credit bureaus that they some how didn't contact me as the primary loan holder? I have been back and forth with them for going on XXXX  months about this and all they keep saying is they won't do a courtesy with draw of the reported late payment. My position is I'm not asking for a courtesy. I'm asking them to correctly identify that they did not contact the primary loan holder when the payment was in danger of being late. I would like to have the late payment with drawn as it was there loss of my information that led to them not contacting me. If I am truly the primary the fact that they spoke to anyone but me was a mistake on their part. The credit bureaus have taken over XXXX points from my score over this and flagship doesn't care that their mistake is causing me real life issues. I appreciate CFPB getting involved in assisting me with what very well seems like a violation of the fair credit reporting act. I say this because for them not admitting their clerical issue and that they never reported that part to the credit bureaus then they have not reported accurately.
Consumer complaint received 2022-02-02
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. (TX)

Hello, I hope this message finds you well. A couple of months I reviewed my credit profile and seen inaccurate information regarding my XXXX XXXX XXXX Account. The status is reporting late. I find that strange since I don't recall being late at all as all of my bills are on auto pay. Prior to submitting this complaint, I have sent over 3 letters to the bureaus to have them send the proper validation of this alleged late payment. I have even requested bank statements to be provided to prove that the payments were indeed late. However, all bureaus have avoided me. This makes me angry my consumer rights are being violated! I have the right to dispute any misleading information. I saw a ton of inaccuracies
Consumer complaint received 2020-10-20
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. (OH)

My name is XXXX XXXX XXXX DOB XXXX SS XXXX. I am looking to get help to correct my credit profile that has several errors that are causing me issues. First up the misspelling my name please remove any other spellings. I am a victim of fraud and I have fraudulent addresses on my credit report. I never lived at the following addresses please delete : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX CT XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX C M/R XXXX XXXX XXXX XXXX, XXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX Please delete these cellphone numbers that do not belong to me error : ( 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 2022-02-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

Capital One is my problem. I authorize Capital One to automatically take money out of my account to make sure that I am not late at all. I notice on my account that they have me late XXXX  times. I have tried to speak to them about the late pays ; they told me that I need to make a dispute to clean them up. I told them that I already pay my car and house and have not been lat in over 10 years. 

I authorized them to take their money out on the day I get my money that has changed the date and have been making me late and keep putting late fees on my account so I will never be able to pay the card down. I have told them to take the money at the time I receive my money ( fixed income ) they have been stealing from me taking money before my money comes and keep charging me late fees. I want those late pay deleted off of my credit and those ( XXXX ) years removed off of my credit since they were in the wrong and has been. I thought I was paying my bill every month on time but they were charging my account when they knew I didn't have money in it. I've been paying a bill that will never get paid off. THEY ARE WRONG
Consumer complaint received 2022-02-02
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. (TN)

I have written and verbally contacted Experian many times via certified letters and long phone calls requesting them to delete XXXX address that are not mine : XXXX XXXX XXXX, XXXX, SC XXXX and XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, SC XXXX. 

To the best of my knowledge, these addresses belonged to my father who had the same name and who died in XXXX back in XX/XX/2021. I have been very patient with Experian expecting them to remove these detrimental mixed addresses but recently it has come to my attention, by the XXXX police, that these addresses were involved with Identity Thief activities in South Carolina.
Consumer complaint received 2022-02-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc. (OH)

This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Consumer complaint received 2022-02-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WEBSTER BANK, NATIONAL ASSOCIATION (NY)

XX/XX/XXXX Re : Sterling National Bank XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX acct XXXX Sterling National Bank completed my Escrow  Analysis on XX/XX/XXXX and I NEVER received the escrow  analysis letter, that I was told on XX/XX/XXXX, was mailed out on XX/XX/XXXX. 

Its imperative that I have this letter because paying the shortage is TIME SENSITIVE with this bank, that letter indicates how much time I have to pay it or when its due by. 

Currently, my mortgage amount was increased, As of XX/XX/XXXX - XX/XX/XXXX, to {$850.00}. I was informed by customer service XXXX, that my escrow  letter was mail. As of today XX/XX/XXXX, still not received. However, I did XXXX my mortgage statement dated XX/XX/XXXX. 
I believe the letter was generated through their system, but it was never actually mailed out. I think this because this bank has been mis-managing my account. An XXXX doesnt dont like when, Inform you of there incompetence. 

Today, I went to the branch to pay an escrow analysis shortage of {$180.00}. See attached receipt. From branch chk # XXXX. The branch teller was advised by the Escrow department to inform me, to mail the payment or do a check by phone, which would cost an additional {$9.00} automated or for the representative to process $ XXXX found this to be ridiculous and demanded a manager for my payment. Mind you, my account isnt even past due. My next payment is due XX/XX/XXXX XXXXSee attached. This bank is singling me out because I report them to you, every time they mis-manage my account. 

Secondly, please look at CFPB case number XXXX -this matter still not resolved. I recd letter from XXXX dated XX/XX/XXXX pg 2 -where she states my XX/XX/XXXX payment of XXXX -falls short of satisfying the new monthly payment. I paid this on XX/XX/XXXX on there suspense account. How is this XXXX to be satisfied with the new monthly payment if the bank doesnt send the letter to me and asks the Teller to inform me to mail the payment ; which is time sensitive and or I can do a check by phone for additional cost to me. See attached letter from XXXX XXXX which is dated XX/XX/XXXX. It is funny how I rec 'd this letter too and NOT the escrow analysis that the escrow department claimed was mailed on XX/XX/XXXX. They're lying!. 

Here are the documents recd and dated. Clearly, its not a mailing issue. Escrow department, just purposely, never sent it. 

Resolution for me, have them send the letter for my records. Make sure they take my XX/XX/XXXX payment {$820.00} sitting in suspense, get applied to principal & interest & escrow, and apply {$180.00} payment referencing chk XXXX, gets all applied timely and correctly. Finally, a new statement generated for the revised monthly amount {$840.00}?? For XX/XX/XXXX payment. 

I will be forwarding a copy to a lawyer. 
Thank You, XXXX XXXX
Consumer complaint received 2022-03-01
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MD)

I sent in multiple letters last XX/XX/2022 addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability
Consumer complaint received 2022-02-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: OPORTUN FINANCIAL CORPORATION (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA, XXXX Oportun XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX ) XXXX ATTN : DISPUTE/CLIENT RESOLUTION SPECIALIST RE : ADVERSE ACTION DATED XX/XX/2022 Recently, I, XXXX XXXX was denied an extension of credit by Oportun On XXXX applied for The Oportun Card As you may be aware, it is against federal law in accordance with XXXX XXXX XXXX XXXX  to proclaim an adverse action against a consumer. Pursuant XXXX XXXX XXXX XXXX ( C ) and you assume civil liability pursuant XXXX XXXX XXXX XXXX ( K ). XXXX XXXX has violated my federally protected consumer rights : XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Since the letter you sent me is both a proof and evidence that I have been discriminated against, you are also criminally liable. XXXX XXXX should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT. Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations. 
BEST, XXXX, XXXX Without prejudice, all natural inalienable rights reserved.
Consumer complaint received 2022-02-02
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION (TX)

To whom this may concern I applied for a mortgage on XX/XX/XXXX through Navy Federal Credit Union 's online portal which I authorized a hard credit check. 
On XX/XX/XXXX I called Navy Federal Credit Union to follow up on my application, on Monday XX/XX/XXXX I did not authorize an additional credit inquiry of any time during my conversation with the loan officeXXXX, on XX/XX/XXXX I noticed on my credit report two hard inquiries from Navy Federal Credit Union, one dated XX/XX/XXXX ( authorized ) and another one dated XX/XX/XXXX that was not authorized. I have attempted to speak to someone at Navy FederaXXXX multiple times to resolve the illegal credit pull on XX/XX/XXXX without a manager call me back, customer service personnel transferring me without speaking to a manager. 
I did not authorize the additional credit pull and would like Navy federal Credit Union investigated. 

Thank you for looking into the matter
Consumer complaint received 2023-04-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: REGIONS FINANCIAL CORPORATION (IL)

On XX/XX/2023, I received an email stating that I'd opened an account with Regions Bank and shortly after, I received an email stating I'd updated my email address. 

On XX/XX/2023, I received a confirmation email from Regions Bank stating that I added the standard overdraft coverage. 

I didn't open any accounts with Regions Bank nor did I add any services. 

I don't have an account with Regions Bank nor have I ever had an account with them. 

I tried calling the numbers that were posted without success. The reps needed the full account number or my social security number. I didn't have the full account number and wasn't going to provide my social security number. 
I reached out to a colleague for a contact at Regions and he provided one on the business side. 

She referred me to file an ethicsreport aXXXX XXXX. It looks like it was more related to either an employee or someone that does business with Regions but I completed it anyway.
Consumer complaint received 2022-02-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: JPMORGAN CHASE & CO. (NJ)

An unknown persons name was added to my credit card account without my authorization. The credit card company stated this person had requested power of attorney over my account. They were able to put their name on my account as an authorized user by submitting legal paperwork to obtain XXXX. I never knew this name addition and request for XXXX  until I received a letter from the credit card company requesting the address and birthdate of person requesting XXXX  to complete the application. After speaking with credit card company they said this name addition and XXXX was accomplished through legal paperwork the person submitted.at this time I closed the account, spoke to the cc fraud department and filed a police report. This letter was dated XX/XX/2022 and I received it on XXXX XXXX. On XX/XX/XXXX was when I called cc company to report and discuss this fraud.
Consumer complaint received 2022-02-28
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Social Finance, Inc. (IL)

I applied for and was approved for a {$5000.00} personal loan from SoFi Bank on XX/XX/2022 ( SoFi Loan number : # XXXX ). The personal loan funds of {$5000.00} were sent from SoFi to my external checking account on XX/XX/2022. SoFi was running a promotional bonus offer to receive {$590.00} for applying for and being approved for a personal loan, during the time that I applied and was approved for my specific personal loan. 

I live chatted with a SoFi representative online in late XX/XX/2022 to inquire on the status of my {$590.00} promotional bonus amount, as it had not yet been credited to me. The representative explained that the bonus would typically be deposited to a SoFi Money account, however I informed the representative that I attempted to apply for a SoFi Money account the day before, but was denied. The representative then explained that as an alternative, I could sign a Form XXXX and provide the XXXX details of XXXX of my external checking accounts, in order to receive the {$590.00} bonus to my external account. While still connected to this representative on the live chat, I navigated to the section of SoFi 's website that the representative guided me to, where I electronically signed/dated the Form XXXX and entered the account and routing number of my XXXX XXXX checking account XXXX I was then told by the representative I would receive the {$590.00} bonus within XXXX days of when my loan was approved/funded. 

On XX/XX/2022, which was XXXX days elapsed from the time of my personal loan being funded back on XX/XX/2022, I still had not received the {$590.00} bonus to my external XXXX XXXX checking account. Therefore, I chatted with SoFi once again on XX/XX/2022 to inquire on the status of my {$590.00} bonus funds. The representative did not provide any helpful information as to why my bonus had not been paid out to me- considering that I met the requirements of the offer in terms of applying for and being approved for a personal loan, and having signed the necessary XXXX and provided my external account details for XXXX. The representative told me that opened a ticket for me ( Ticket number : XXXX ) and that the relevant team would look into the matter of crediting my bonus to me within the next couple days. 

Now, it is currently XX/XX/2022, and I have not received any update from SoFi on my open ticket number, and I still have not received the {$590.00} bonus to my external checking account as part of this promotional offer that I took part in, and it is well past the XXXX day mark that SoFi informed me I would have received this bonus by. 

Therefore, I am filing this complaint to formally request that SoFi honor the {$590.00} bonus be paid out to me as per the offer I engaged in and fulfilled all requirements from my end.