davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-01
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (CT)

This concerns a XXXX  master card. I never received an XXXX statement. This is a new account for me. So when I INSISTED they send me a copy of the statement,, they finally did. With charges I dont recognize, and can not verify. For example, there are XXXX large supposed purchases on the same day - XX/XX/XXXX, to XXXX XXXX. They wanted me to make a payment over the phone, without even having looked at an actual statement! There is something very fishy & corrupt going on here. I feel that I have been treated unfairly, and bilked. Once I had gotten the statement, I was no longer able to contact the company. I am unable to make a copy of this statement to you, as my printer isnt working. I can get that info to you some other way, if you need it.
Consumer complaint received 2021-12-02
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: LEXISNEXIS (TX)

I informed Lexis Nexis to suppress ALL person information and information included in the C.L.U.E . report. I notified them by certified mail, however my information is still being accessed by third party and is still available to telemarketing and various other entities.

As it is my RIGHT, this information is not available to anyone without my written consent.

I was a victim of fraud and data breach. This information belong to me. Lexis Nexis has no right to provide without my person.
Consumer complaint received 2021-12-02
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Numerous disputes have been sent to TransUnion asking for a complete and thorough investigation into the inaccuracies listed on my credit report. The credit bureau has a public record ( Bankruptcy XXXX XXXX XXXX ) listed as " XXXX XXXX XXXX ''. They use third party vendor XXXX XXXX to scrape this information from XXXX  and they place this unverified information on consumers credit reports. I have asked the credit bureau how I am " Contractually liable '' if all my debt were wiped away and I'm afforded a fresh start. They have yet to provide me with their methods of verification as if its a military secret. They are and have been reporting erroneous information on my credit profile for 2+ years now. The last time they updated my credit report was XX/XX/2021. I am writing to show how unprofessional this credit bureau is and they have failed to due their due diligence in properly investigating my disputes. There is no where in my paperwork that states I am " contractually liable '' for any debt. Where did they receive this information from? They have yet to provide copies of paperwork that states I am contractually liable for any debts.
Consumer complaint received 2021-12-02
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/2021 and XX/XX/2021 the IRS deposited my Child Tax Stimulus Credit of {$250.00} into my WELLS FARGO checking account. At the time of the deposit I was told my account was my account was in negative status. My bank statements from these dates do not reflect negative status. Additionally I was in between Unemployment and Social Security direct deposits during both months. 

WELLS FARGO, without my request or permission refunded the negative balance that included overdraft fees for over XXXX total for both months. I had no idea this action was taken and more importantly did not ask for any refund to be credited to my account. In retrospect I would have preferred the account remain in negative status because in XX/XX/2021 and XX/XX/2021 I was receiving bimonthly unemployment compensation benefits. 

In XX/XX/2021 I was informed that my bank account would be charged over {$1000.00} for the month of XX/XX/2021 to allow me to use the monthly child tax credit of $ XXXX for XXXX and XX/XX/2021. I was told that the credits were issued automatically to allow families access to the child tax credit. 

The XX/XX/2021 action has left me without any money to pay for food, electricity or water for my child. The reversal of non requested fees or credits resulted in a {$1000.00} loss, my entire Social Security income deposited on XXXX XX/XX/2021. I have explained my situation to WELLS FARGO. I was told by WELLS FARGO management that there is nothing they can do to help me.
Consumer complaint received 2021-12-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TD BANK US HOLDING COMPANY (FL)

I went in person to close my account at TD Bank. I was told I need to withdraw my balance so there is a zero dollar balance in order to close and that I had to check off " close account '' and sign on the withdraw slip. I did exactly that. They now refuse to close my account and are even threatening me over the phone ( Branch Manager and Supervisors in their support center ). They are also threatening to send me to collections for overdraft fees that didn't exist until after I closed my account. I simply wanted to close my account with a zero dollar balance. They refuse to give me a copy of my withdraw slip which proves my case.
Consumer complaint received 2021-12-02
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: Bread Financial Holdings, Inc. (NY)

This account does not belong to me. Please remove the negative items as soon as possible, because it is hurting my credit. 


XXXX. Identity Theft XXXX  Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2021-12-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

Deposited a check on XXXX XXXX.Capital one will not release funds until they call the person who issued check. That is not possible at this time due to him having health issues. Capital one is holding my sons money indefinitely for no reason
Consumer complaint received 2021-12-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is XXXX XXXX, who is submitting this CFPB complaint myself. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Transunion. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Transunion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below are the accounts that are still reporting on my report : ( XXXX XXXX XXXX, XXXX CARD XXXX, XXXX CARD XXXX, XXXX CARD XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX )
Consumer complaint received 2021-12-01
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Onity Group Inc. (VA)

i purchased my home XX/XX/XXXX i have the deed to show as well as the county. PHH mortgage is saying i purchased my home XX/XX/XXXX, i did a modification w them in XXXX my balance was 215k they advised me that they were going to put 55k  on the back of my loan but instead it was added to 215k which increased my balance they said after the modification my balance is 313k i have been going back and forth with them for awhile. i have been trying to do a refi but my balance is so high from the modification that i can do a refi. So I've been trying to get someone to assist me with this issue or help me understand. I've been in my home for XXXX  yrs and never missed a payment or did a refi. I did the modification for a lower payment which it was lowered by XXXX XXXX but that cost me 55k to my balance. my mortgage company is not helping me understand I've sent several emails and letter and i'm not getting anywhere. I did the forbearance this year XXXX so i understand this amount will be put back on my loan. but its not 55k I've never done a refi but even if i tried the mortgage company will take it XXXXyrs i should have plenty of equity but the mortgage company will be taking it. can you please assist me.
Consumer complaint received 2021-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about the written requests I sent. We have been sending written letters since XX/XX/2021 with regards to my request of removing the items in question and my last request was sent XX/XX/2021. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the Bureau, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : LATE/CLOSED XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$910.00}
Consumer complaint received 2021-12-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (TX)

Citibank claims to have restricted my accounts yet they processed my payroll direct deposit check into the " restricted account '' denying me access to my income. 

On XX/XX/2021 I received an email from Citibank indicating that my All of my accounts are now restricted from receiving deposits or credits, effective immediately. I noticed there was an issue with my account on XX/XX/XXXX after a wire transfer that I had just successfully submitted was cancelled. 

At the the time Citibank decided to restrict my accounts I had a balance of {$12000.00} in the account. 

Despite the claim by Citibank that my account was restricted from receiving deposits, when my employer last week accidentally submitted a direct deposit to that " restricted account '' ( I had already successfully changed the direct deposit bank ), Citibank still went ahead and processed the check of the amount of {$3200.00} into the " restricted account. '' This happened on XX/XX/2021. XXXX week after restricting the accounts. 

This action by Citibank is denying me access to my income I rely on to pay my bills including mortgage due today. 

Since XX/XX/XXXX to day, I have called Citibank multiple times to find out the specific issue that resulted in the accounts restriction. However, I am always redirected to Electronic Fraud Depart where they do not tell me what issue caused the accounts to be restricted. At least XXXX times, the agents hang up on me and yesterday I was kept on hold for more than an hour for a call that lasted more than XXXX hours when I asked to speak to a supervisor/manager. 

XXXX of the Citibank Agents I spoke to yesterday, XX/XX/2021, was dismayed how it was possible to accept a check into a restricted account. I also spoke to XXXX other agents who promised to file internal complaints on the actions of Electronic Fraud and How I was treated on my calls to Citibank. 

Citibank Agents flatly refused to tell me how they accepted the deposit yesterday into the account they claim to have restricted!
Consumer complaint received 2021-12-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I noticed XXXX fraudulent charges on my Bank of America XXXX  XXXX Credit Card. These charges were made on XX/XX/2021 to SXXXX XXXX in the amounts of {$1500.00}, {$1300.00}, and {$970.00}. I reported these charges as fraudulent to Bank of America. I received a letter from BoA dated XXXX stating that the claim had been resolved in my favor. Next, I received a letter dated XXXX that stated that the merchant had provided documentation confirming my receipt of the merchandise or service. This is not possible. I absolutely dispute that I ever made these purchases. I have no knowledge of them. I neither made these orders nor received anything from this company. So, I sent a letter to BoA requesting a copy of the documentation provided by XXXX XXXX. They replied with a letter dated XXXX again stating that the merchant had provided documentation, but they did not provide me with any proof or copy of this documentation. I have hired a lawyer who has sent them a letter requesting the following : Name and address of the purchaser Address or email address where the tickets were sent Relevant device information relating to the purchase Originating IP address Date and time stamp Device signatures Browser ID Country of origin Mac number I have been a customer of BoA for decades. I have never made a purchase of thousands of dollars worth of tickets to anything. BoA should have flagged the purchases as anomalous, notified me, and backed me up against the criminals as I am their customer. I am a respected, law abiding member of my community. Please help. Thank you.
Consumer complaint received 2021-12-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Self Financial Inc. (TX)

I am XXXX XXXX and I'm submitting this complaint myself and there is no third party involved. 

I, XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan, have a closed account reporting on my credit report from SELF FINANCIAL , INC . d/b/a SELF through XXXX XXXX due to late payments. I am writing this in regards to Account # XXXX and transactions. At the time of the occured late payments, I was having financial issues due to me not getting enough hours at work to pay all of my bills. While I make every effort to pay off my debts and fulfill my financial responsibilities, in this instance, I was in this circumstance, unfortunately, unable do so. I have since, been put in a much better position and was able to fulfill my duty to pay off my balance before the account closed. Due to this closed account reporting on my credit report, it is greatly impacting my credit score. I take full responsibility for these late payments and would like to sincerly apologize for my inconvinence and frustration this has caused you.
Consumer complaint received 2021-12-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (TX)

I opened a previous complaint about this issue, XXXX. 

After contacting the company in XXXX that owns the cafe 's on the ferries, it was determined that I was wrong about the charge. It was apparently not from a purchase in a cafe. As I continued to dig I uncovered more information. 
First, thank you for contacting CITI Bank. Only after they received your notice of my complaint did they actually do something to help. They obtained a copy of the receipt and shared that with me. The signature on that receipt is not mine. 

I will upload the email correspondence with the cafe parent company and my correspondence with Citi Bank as this matter unfolded. 

Citi has once again closed this case and consider this to be my responsibility. Whereas before I was concerned about being grossly overcharged, now I am fairly certain this was a fraudulent charge made without my knowledge.
Consumer complaint received 2021-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (DC)

I am XXXX XXXX I am submitting this complaint myself and there is no third party involve.Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of inquiries that are still reporting on my Credit Reports : XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX
Consumer complaint received 2021-12-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HOPE BANCORP, INC. (WA)

On XX/XX/21 I sent a money transfer through XXXX XXXX from my bank of XXXX  debit card in the amount of XXXX to a scammer at XXXX. The scammer who impersonated my boss had me pay for a insurance payment and he promised to reimburse me in the morning. I saved the text messages from the scammer telling me he is the owner and I have all the instructions he gave me through text as evidence I was not the one at fault or knew of the situation. I have saved call records as well and my conversation is recorded on the XXXX line at work so my managers could retrieve that if necessary. Which the event started over the XXXX line at work then he contacted me on my personal cell phone to make the money transfer. I made the money transfer and the scammer kept asking for more money so after that happened I called my coworker to verify and she notified me of the scam and to stop communicating then report it. I immediately called XXXX XXXX at XXXX XX/XX/21 they said they cancelled the transaction sent my case to their fraud team and contact them in XXXX hours. Then I contacted the XXXX XXXX customer service to verify my refund status and they told me my reference number given wasn't valid because they neglected my case and deleted it. So I ended up reporting to my bank and police late about being scammed and needing assistance to get a refund. Then my bank took all my written evidence and saw the saved messages from he scammer and phone calls on my cell phone saved for evidence including police report. XXXX XXXX later and my bank is telling me my dispute was denied and I no longer qualify for a refund.
Consumer complaint received 2021-11-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: NAVY FEDERAL CREDIT UNION (CA)

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I'm not swayed that XXXX efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on NAVY FEDERAL CU. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2023-01-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (SC)

Wells Fargo reposed my vehicle back in XXXX time frame for what was extra fees added to my payment without my knowledge. I made payments every month biweekly by automatic withdrawals. I never received a letter or anything expressing that my payment was increased from the original loan amount. When I called to see what was going on they explained that I owed so much money within 48hrs or I would not be able to get the truck back. I was able the secure a loan with a local bank for the full payoff and when we called WellsFargo they instructed me and the bank we had to provide the pay off check by XXXX XXXX because a wire transfer was not adequate. They then said that by the time they received the check it would be past the 48hr time line so I would lose the truck regardless. So now I am checking to see if I would qualify for the pay out that was reached in the most recent lawsuit. 

Thanks
Consumer complaint received 2021-12-01
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. (PA)

On XX/XX/XXXX, XXXX XXXX fraudulently reported that I owe an outstanding XXXX XXXX balance to Experian. I do not own a XXXX XXXX account nor have I had XXXX for over a decade or so. Upon researching the company, I see that there are several scams involving this company as reported on the XXXX website here : XXXX XXXX XXXXXXXX. 

The organization claims that I owe a balance of {$2100.00} and paid {$1600.00} - I haven't paid any of this as this is inaccurate and false information. I opened a dispute with Experian as soon as I discovered this account ( around XXXX XXXX ). Today ( XX/XX/XXXX ), I received the following from Experian " The dispute for the account with investigative recovery services was not changed as a result of processing your dispute. The company that reported the information has certified to Experian that the information is accurate. '' i have since called Experian and they said that the organization was able to provide my SSN, Address and Name so Experian left the account on my credit report. As I see it, if my information has been jeopardized as it has and given the many data breaches that occur each year, the fact an organization has my SSN, Address, and Name should NOT be enough to prove that the account is mine. 

This request to follow up on this fraudulent activity is especially urgent because our family is in the process of purchasing a home and this will disqualify us for a mortgage. 

Thank you in advance for any help you can provide me and future consumers being targeted by this entity.
Consumer complaint received 2021-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am becoming more and more frustrated I have been trying to remove this fraud alert for some time now. You all have been ignoring my request via phone and Transunion site. I am not able to obtain internet service or any necessary items via credit because of this. I provided you all with identity verification multiple times. If this fraud alert is not removed immediately, I will seek litigation. Your company 's unprofessionalism has cause me XXXX and XXXX to the highest degree.