davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: SOFI TECHNOLOGIES, INC. (CA)

My account has been in restricted mode since Saturday XX/XX/XXXX ( I can't do transactions in my checking and savings account ). 
However today is Thursday XX/XX/XXXX and my account is still restricted. 
I have spoken with representatives from XXXX and they have been unable to remove the restriction in my account. I am frustrated because I have changed my password several times under the instructions of the bank agents ( over the phone ) and nothing is happening. During those instances, I verified my identity with them, and still the restriction remains. These accounts are my main operational accounts, and now I will need to use other bank to receive my direct deposit.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (FL)

On XX/XX/year>2020 showed a 30 day late payment on my Macys credit card ( AMEX/CBNA. I found that odd because the account was paid in full before that. I called and they said a {$2.00} dollar interest accrued over, i dispute the transaction and they fix over the phone but later reappeared. Its been going for 4 years. Its highly impacting my credit worthiness and score. I have contacted them so many times and they said in their end theyll fix it but here I am still waiting.
Consumer complaint received 2024-09-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd. (AL)

went to XXXX XXXX for a free new patient exam and they XXXX XXXX XXXX XXXX and I left and asked if i owed them anything and they said no. They XXXX XXXX XXXX XXXX XXXX XXXX that I had to go to another XXXX to get them fixed. 

Details Below On XX/XX/XXXX I went in to XXXX XXXX on XXXX XXXX XXXX XXXX XXXX XXXX Al XXXX for a free new patient exam. 

Well the nurse started probing my XXXX XXXX XXXX XXXX XXXX XXXX XXXX and begin picking at them. 

I told her to stop, so then she wanted to probe my XXXX  and I wouldnt let her. 

So she went and got the office manger and he came in and I told him I didnt want her probing my XXXX To which he said I dont think your going to be a good match for our XXXX practice. 

The the XXXX came in started picking at the XXXX XXXX and said I needed new XXXX 

To the point of loosing the XXXX 

And that all the XXXX XXXXXXXX XXXX XXXX  for the past 2 years had done was bad. 

I told him I would trust my XXXX  of 2 years before I would trust someone I had never met before. 

And we agreed I was this practice was not for me. 

I left and as I left I stopped at the front desk and asked if I owed them anything and they said no. 

Well because they XXXX XXXX XXXX XXXX and loosened them they came off and I had to go to XXXXXXXX XXXX and have the XXXX XXXX at a cost to of {$250.00}. ( XXXX attached ) And I told them what XXXXXXXX XXXX had done and what caused the XXXX  to come off. 

So I get a call from you saying I owe the XXXX dollars for free new patient exam. 

Ive called you several times and XXXXXXXX XXXX on XXXX XXXX. They have said that they will correct the error and let you know to stop the collection and not report it to the credit bureau. 

Heres their number they gave me that is supposed to stop any further action and not report it to the credit bureau. XXXX. They said it will take about a week. 

Please provide me with a conformation when you receive that and you have stopped your actions and that you have not reported it to the credit bureau. 

If they dont remove this I would like to know that as well so I can report it to both the Alabama and Illinois attorney general offices and the DOJ , FTC .

If you have any questions please call. 
Thanks XXXX XXXX
Consumer complaint received 2024-12-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (WY)

XXXX individual {$350.00} withdrawals made from checking account to a fraudulent XXXX accounts during the period of XX/XX/year> and XX/XX/year>. 

Wells Fargo was notified of this action and referred all their investigations to a " Claims Assistance Center '' which made an unsupported determination that the transactions were authorized by a party to the account.

We, as the account holders, made multiple attempts to demonstrate that these withdrawals were fraudulent ; including numerous phone calls to the bank, written correspondence on several occasions and filing police and FBI reports. The bank disregarded this information and made the decision to deny our claim for compensation. After repeated attempts to obtain the internal documents that XXXX XXXX used to make the incorrect determination ; we finally received ( later than originally promised ) XXXX pages of gibberish that only demonstrated that the XXXX of the joint account holders had logged onto the mobile app for this account 3 times during this period for legitimate banking reasons ( XXXX separate dates vs. XXXX dates when the funds were fraudulently distributed by the bank ). The Well Fargo information also notes that " Card Authorization was not performed, or some other problem prevented verification ''. We called the bank Claims Assistance Center on XX/XX/year> for an explanation of the information that they sent us on XX/XX/year> ( received on/about XX/XX/year> ). They assured us that a representative would call on XX/XX/year> ; as was the case on multiple other attempts to obtain information and feedback directly- this return call is yet to occur as of XX/XX/year>.
Consumer complaint received 2018-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (CA)

Positive credit account not reporting for XXXX XXXX XXXX XXXX Loan Paid off. 
As shown in my " CREDIT Alerts '' section of my report on XX/XX/2017. 
Loan Account was paid off But it is not being reported in my report.
Consumer complaint received 2020-11-24
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. (FL)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1989 ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX TODAYS DATE:XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
and can help your score. 

XXXX XXXX XXXX XXXX {$1300.00} Needs attention XXXX XXXX XXXXXXXX XXXX XXXX XXXX  {$1200.00} Needs attention XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1989 ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2018-12-09
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: CITIBANK, N.A. (CA)

Citibank has referred my credit card account to their Fraud Early Warning department. I have called their number ( which is handled by agents out of the country ) and have provided private information such as my entire bank account number, other credit card number in its entirety, entire social security number and date of birth. After providing this highly private information to the agents, they continue to tell me that my information is unverifiable. This practice is unfair and not to mention, unsafe to ask customers to provide private information that still allows accounts to be unverified. I am unable to bypass this department. With i call any Citibank phone number and entire my information, my account is routed to this department that is not located in the United States. I have read similar complaints to others by Citibank. I feel I am being unfairly targeted. I have made all payments on time. My credit card is locked and even after prividung sensitive information, I am basically being told by the unhelpful reps that there is nothing that can be done.
Consumer complaint received 2023-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2020-10-05
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: CITIBANK, N.A. (NY)

On XX/XX/2020 I ordered a pool bundle from XXXX. The total for this order was {$1900.00} which was charged to my citi MasterCard credit card. I received two out of eight items sometime in XXXX. I continued to wait for the rest of my order to be shipped. Back in XXXX, I noticed a refund for {$190.00} from the merchant so I reached out to them to see why I was being partially refunded, they said that they were out of one of the remaining six items of my pool bundle which was when I decided that I no longer wanted this merchandise. I requested a cancellation for the first time on XX/XX/2020. Then again on XX/XX/2020. The merchant did not provide me with a solution so I decided to open a dispute for the remaining {$1700.00} with Citi. On XX/XX/2020 XXXX finally sent me return labels for the two items I had received. They claim they sent return labels on XX/XX/2020 that I never received ( I checked my emails and junk mail numerous times ). I never received a cancellation confirmation, but I never received those 6 other items. XXXX XXXX XXXX wont return my money or find a fair solution. I sent back the two items I did receive XX/XX/2020 via XXXX, I will include the proof of delivery for those two items.

I never received the other 6 items. Since they only refunded me {$190.00} out of a total transaction of {$1900.00} I am still disputing the {$1700.00} that they never refunded. I am not paying {$1700.00} for items I never received. 

On XX/XX/2020, citi resolved the dispute in favor of the merchant. I appealed this decision because I didnt receive the goods. I faxed over the proof of delivery for the two items I returned. Today XX/XX/2020, they again resolved it in favor of the merchant. How is this fair? How am I expected to pay {$1700.00} for items I never received? Please do not open a credit card with this company, they do not care if their customers are being taken advantage of by fraudulent companies.
Consumer complaint received 2021-04-27
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LoanCare, LLC (VA)

On XX/XX/XXXX I started the process of refinancing my existing mortgage held by Loan Care/XXXX XXXX. I chose them because they had my existing mortgage and I thought it would be simpler. My girlfriend and I submitted all the paperwork, tax statements, bank account info, etc by XX/XX/XXXX. Despite multiple phone calls and emails, our closing has still not occurred. Our rate lock expired XX/XX/XXXX, but they state that they will honor it. But a refinance should not take 5 months. And we stil do not have a closing date. 

My personal contact person is XXXX XXXX, who has been very polite, but this is till not going anywhere. XXXX XXXX has also contacted me.
Consumer complaint received 2018-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I have been reporting of an identity mix-up on my credit reports ( XXXX, XXXX, Experian ) since 2013. I have filed two police reports and spoken to all 3 credit reporting companies with no success. I am unable to open bank accounts at US national banks or obtain credit because the security questions needed to open such accounts are not my questions. They are questions that pertain to another person by a similar name similar birthday as me. I have the name of the person my identity is being tangled up with but all 3 reporting agencies tell me there is no problem.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

My account with XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2018-06-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Flagstar Bank, N.A. (WA)

I opened my new checking account on XX/XX/2018 in the XXXX XXXX branch, with a flyer for a bonus offer of {$250.00}. The bonus is earned if 3 recurring bill pays are set up. However, my account, since XXXX, has been unable to sign up for bill pay. I called them up several times about it and they created a ticket for it, but no one called me back as they said they would. I am being treated differently than other customers. I should be able to earn the bonus. A few minutes ago I tried again to click the sign up button for bill pay and it still says there is an error and to call customer service. This was a bait & switch.
Consumer complaint received 2018-06-19
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. (NY)

Hi I am contacting you because all 3 major credit bureaus have recently dropped my credit score due to fraudulent information being reported on my credit report. Let me first start by saying my name is XXXX XXXX and these accounts listed do not belong to me and are fraud I am a victim of identity theft and I want these account removed off my credit report at once because they do not belong to me and were opened with my consent XXXX XXXX XXXX XXXX XXXX/XXXX Also there are several credit inquiries that are also listed that are fraud and I want those removed from my credit report as well. These companies have dropped my credit score significantly do to this fraudulent activity and I want a accurate credit rating not one that's built on fraudulent credit ratio. Also the balance reporting on my XXXX XXXX card is wrong on XXXX and XXXX  because I paid my balance off in full so I don't owe them anything. 
Also my balance at XXXX  bank and XXXX XXXX bank, XXXX, XXXX  bank all need to be updated because all cards that I mentioned are showing inaccurate balances which is another reason my score dropped tremendously. And last but least this account XXXX Inquiry from XX/XX/2018 Is also fraudulent and does not belong to me and I would like it removed from my credit report.
Consumer complaint received 2022-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: 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 XXXX 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 XXXX 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 XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX 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 XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2018-06-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (MT)

Attempted to sent money via XXXX to our son via online ; XXXX  held our money for 30 days and then cancelled the transaction and said we could not send money via online anymore ; we send money to our son once a month, {$40.00} at a time, and now we are banned because flagged as fraud ; then we have to deal with third world customer service, who we can not understand over the phone, finally today over a month later were told the transaction would be cancelled and we would be refunded our money .... we'll see.
Consumer complaint received 2018-12-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (CA)

On XX/XX/2018 I purchased an item I saw on the XXXX XXXX show on the XXXX Network, she airs daily in XXXX at XXXX XXXX and has deals on items for XXXX viewers. The product arrived defective we spent {$100.00} for a beauty cream. We put it on our XXXX account using the Discover Credit Card attached to the account. The merchant never returned phone calls or emails or texts and a text we got was written in computer symbols and jargon. XXXX XXXX was extremely uncooperative and finally gave me the address they had for the merchant so I could return the item. I questioned why the item came from XXXX XXXX XXXX and why the address they were giving me in Florida was to an individual with a strange sounding foreign name that could not even be pronounced. XXXX XXXX claimed that this is all they have for this company. And XXXX XXXX will not refund us until the merchant receives the package. I sent the package by XXXX   and have a tracking number ; for over XXXX days the package is in transit going from one postal station to another. Evidently this individual can not be tracked and is running a scam and may have left the country. Discover Card will not issue a refund for this item to us. We have filed fraud dispute with them and are giving us the run around and scripted speeches from them. We sent the item by XXXX and have provided the tracking number to Discover we have done all that we can do on our end and therefore it is up to Discover to issue us a credit for this fraudulent purchase And they re not doing it.