davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION (MI)

In XXXX I financed a vehicle through Navy Federal Credit Union. When first financing I originally went through a dealership that over charges, went through another dealership they returned the vehicle on my behalf and we switched the loan to the XXXX XXXX that I went on to own and pay off by XXXX. In the very beginning I did have an entire pay period garnished from my account. Fast forward XX/XX/XXXX, I found a letter in my lock box from Navy Federal that I had assumed was a closing statement or some sort of advertisement ( junk ), as it was dated XXXX almost a year after my wife and I paid the loan off and closed the account in XXXX. I was so happy to be done and over dealing with Navy Federal as my XXXX loan ended up costing roughly XXXX. 
Inside what would have been a normal statement Navy Federal envelope was a check for {$2200.00}, along with a letter explaining what it was for. Take note this check did not have a cash by date.

I reached out to Navy Federal via chat and call, as I reside in a state with no Navy Federal branches. They suggested to reopen my checking account and deposit the check via partner atm and there should be no issue especially since there is not an expiration date. The deposit was denied. I reached back out and they said to go ahead and deposit via mobile deposit. Again denied. They then said to mail the return copy check from the deposit to them directly. They sent the copy back with a memo non negotiable. Navy Federal will not reissue the funds nor make anything right. Of course before stating this entire process I did look up what the letter said. During the time of receiving the actual check Navy Federal has been sued and had to settle. This check was the settlement money. I along with many others were ordered to be paid. I had no idea this was going on at that time. That letter was the only letter recieve and it came via normal mail. There was no other forms of communication, it was never reported anywhere that I can find as unclaimed funds.

I now feel as though I may not be the only person that this happened to. 
I am curious out of the XXXX XXXX settlement how much was actually paid out.
Consumer complaint received 2021-07-06
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (FL)

Please refer to Complaint # XXXX. 
I am refiling since that complaint was closed without the appropriate response, or solving the problem at issue. NOTE : I no longer own the property in question. 
As a XXXX XXXX XXXX XXXX, I do not have the time, energy or resources to keep fighting WELLS FARGO BANK, N.A. and/or WELLS FARGO HOME MORTGAGE ( WFHM ), [ also used herein interchangeably as WELLS FARGO ]. Therefore, I am pleading with the CFPB to demand that WELLS FARGO correct their errors where they incorrectly and falsely issued a XXXX Form 1099-MISC to memore than one year and a half after Chapter XXXX Bankruptcy filing was discharged ( and paid in full as agreed ). WELLS FARGOs actions in this matter is highly injurious to me and the additional stress is affecting my health and well-being. 
Please refer to my complaint XXXX submitted to CFPB XX/XX/XXXX ( now closed ) that stated the following : Wells Fargo Home Mortgage : Engaging in deceptive and unfair practices. My mortgage payments not applied, or misapplied. I was in a Chapter XXXX Bankruptcy, filed in XX/XX/XXXX, which was discharged in XXXX XXXX. According to my Trustee and Bankruptcy Courts, I fulfilled all my obligations including all payments to WFHM. I continued to make all post-petition payments each month. Suddenly, and to my astonishment, around XX/XX/XXXX, WFHM threatened foreclosure and is falsely stating that I am in default and owing {$23000.00}!! It is very suspicious that this happened only after I questioned them about why my monthly payments were " not applied '' after each payment and another issue which is not part of this complaint. 
1-I am requesting written proof from WELLS FARGO regarding " miscellaneous income '' allegedly paid to me and reported to IRS on XXXX Form 1099-MISC, in the amount of {$19000.00}. This documentation must show the date, form of payment, and all proof that the money went into an account belonging to me or was cashed/endorsed by me. 
I DID NOT receive any income from Wells Fargo! 
2-I am requesting written proof that the Bankruptcy Trustee was notified by Wells Fargo of their alleged " error '' of payments not received. Wells Fargo is making this claim, that they made an error, without substantiation. According to the Bankruptcy/Trustee 's records, no such notification was filed. All payments were made as required.
Consumer complaint received 2021-07-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A. (AZ)

My CITI Credit card lowered my credit limit from {$3000.00} to {$2000.00} after I made a {$900.00} payment to lower my balance. They said it was due to my credit report. Nothing has changed in my credit. If anything it has improved from when I first received the card. Now they want me reapply to increase my credit limit which would mean running a credit report and lowering my score. They have now left me with a {$76.00} available credit and will cause a negative impact on my credit. The company was no help. Told me it wasnt all based on my credit and wouldnt tell me what else it was based on. They were no help and are damaging my credit.
Consumer complaint received 2023-02-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Performance Management, LLC (FL)

First, let me say the 3 choices don't apply, but I selected " didn't send enough information to verify debt '', though that's not accurate. 
On XX/XX/XXXX, I signed on to a promo offer from XXXX XXXX for a " free '' 5G phone. As part of the offer I had to pay approximately {$61.00}, via credit card. 
I didn't know it then, but the terms didn't allow me to switch to a prepaid account with data, but rather, stay in my talk-and-text-only account for 24 months. I previously used a XXXX feature phone in my XXXX XXXX account, without data. I proposed to XXXX XXXX that they allow me to switch into a prepaid account with data, but they declined. 
After 2 months I concluded that I couldn't take 2 years of no-data with a XXXX phone, figured I'd have to eat the full price of the phone and move on. On XX/XX/XXXX, I went to a XXXX XXXX store at XXXX XXXX XXXX XXXX, XXXX, and asked for a bill to pay for the phone on the spot. I dealt with the store manager, XXXX, who, after some time at a terminal, told me I'd have to wait 24 hours for a " final '' bill. I gave him my contact info but didn't hear from him. Two days passed, so I called XXXX XXXX Customer Service and requested a bill for the device : the rep told me it would take 40 days to get a bill to me.Ridiculous, I thought. ( I had dropped the talk-and-text-only plan on XXXX XXXX. ) Early in XX/XX/XXXX, I received a notice from Receivables Performance Management LLC, a collection agency with address XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, WA XXXX, attempting to collect on the device. I requested validation while disputing the amount. In its validation letter, it claims that XXXX XXXX sent out a statement on XX/XX/XXXX. I never received any statement from XXXX XXXX. 
Meantime I have been unable to use the 5G device because it's locked, and have spent money with another carrier to keep from losing the number. 

My complaint is that XXXX XXXX wouldn't allow me to pay for the phone when I tried to pay for it, and that the account shouldn't have been sent to collection, with possible damage to my XXXX  score. My score was high for much of XXXX ( XXXX ), and remained high a few days ago. I just received ( XX/XX/XXXX ) the collection agency 's response to my validation letter. My readings suggest that it can now fire at will. 
I suspect that if the collection agency is acting as a third party, it will have no ability to unlock the device, and I'll be stuck with an expensive paperweight because XXXX XXXX won't do anything to address it.
Consumer complaint received 2021-07-06
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. (OH)

Hello for a few years now, I have been experiencing issue with the below information on my credit reports. I've disputed but the bureaus refuse to also comply with Credit Act of XXXX which specifically speaks to removing Derogatory items from my file especially as law states there is NO Contract/Agreement tied to the following. Section 401 is specific regarding these Derogatory marks. 

Derogatory Accounts XXXX XXXX XXXX {$580.00} XXXX XXXX XXXX  {$460.00} XXXX XXXX XXXX {$430.00} XXXX XXXX XXXX {$420.00} Inquiries XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXXXXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX US SM BUS ADMIN ODA Inquiry date : XX/XX/XXXX XXXX XXXX XXXX FIN Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Derogatory marks XXXX XXXX XXXX NOT MY ACCOUNT? /NO CONTRACT Opened XX/XX/XXXX {$430.00} XXXX XXXX A NEVER APPLIED FOR ITEM/NOT MINE/NO CONTRACT Opened XX/XX/XXXX {$420.00} Inquiry details No Agreements to confirm details XXXXXXXX XXXX XXXX XXXXXXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX Credit Burea Inquiry from XXXX XXXX, XXXX Miscellaneous Reptg. Agencies XXXX XXXXXXXX XXXX  Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXXXXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX XXXX from XX/XX/XXXX Automobile Dealers, New Inquiries - unauthorized Accounts XXXX  XXXX Inquiry from XX/XX/XXXX XXXXXXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX Premium XXXX XXXX from XXXX XXXX, XXXX XXXX XXXX Inquiry from XX/XX/XXXXXXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX  Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX Derogatory marks COLLECTIONS XXXX XXXX XXXX Contract Opened XX/XX/XXXX {$430.00} XXXX Unable To Discover Contract/ Not My Account Opened XX/XX/XXXX {$460.00} XXXX Unable To Obtain Contract, I never signed/Not My Account Opened XX/XX/XXXX {$580.00} XXXX XXXX Not My Account/No Contract Opened XX/XX/XXXX {$420.00}
Consumer complaint received 2021-07-05
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. (IL)

An unverified Chapter XXXX Bankruptcy is on my credit report. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that the Credit Reporting agency disclose to me all the documents that they have recorded and retained in my file at the time of this request concerning the accounts that they are reporting on my credit report. They have responded by saying that these accounts have been verified. I would like copies of the documents that they have in your files that were used to verify them. If they do not have any documentation in their files to verify the accuracy of the disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties they are damaging my reputation and credit worthiness.
Consumer complaint received 2019-04-01
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. (FL)

XXXX, XXXX  and experian has some inquiries and accounts on my credit report that are not mine. 
last four of social that is not mine : XXXX not mine INQUIRIES that are not mine : XXXX XXXX  XXXX not mine XXXX XXXX XXXX- not mine XXXX not mine XXXX XXXX XXXX-not mine XXXX XXXX-not mine XXXX XXXX XXXX- not mine XXXX XXXX XXXX XXXX not mine XXXX-not mine XXXX XXXX XXXX not mine XXXX XXXX XXXX  XXXXXXXX XXXX XXXX- not mine XXXX XXXX XXXX XXXX not mine XXXX not mine accounts that are not mine : Creditor : XXXX XXXX XXXX Account : XXXX I have no knowledge of this account XXXX  XXXX XXXX Account : XXXX I have no knowledge of this account Creditor : XXXX XXXX XXXX Account : XXXX I have no knowledge of this account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-04-01
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I submitted an investigation request to XXXX  and Trans Union on XX/XX/XXXX. They were supposed to respond with the results of my credit investigations within 30 days but they have not.
Consumer complaint received 2021-12-30
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. (GA)

On XX/XX/2021, I contacted XXXX XXXX XXXX in XXXX, XXXX for financing and purchase of vehicle. 
I spoke with sales Rep. XXXX XXXX and Finance Rep. XXXX. 
Prior to submitting my application and running my credit profile, I was VERY SPECIFIC AND ADAMANT regarding XXXX XXXX XXXX and XXXX XXXX NOT making more than ( 2 ) HARD INQUIRIES to my Equifax profile account.

Too many hard inquiries 'lowers ' one credit score. 
Prior to running my Equifax credit profile I explained that I had a credit FREEZE OR LOCK on my account and would have to have it removed. 
After removing the credit lock and allowing XXXX XXXX to access and perform the credit screen, I was told afterwards that ( 10 ) INQUIRIES TOTAL were made. 
I was furious with Rep. XXXX saying, " This is misrepresentation and FRAUD, you have ruined my credit score! '' " You didn't do what I asked of you! '' I would also later discover that XXXX XXXX had tried to access my XXXX Credit profile as well but it too was also locked, denying them access. 
There needs to be nationwide government regulations on how many times one ( 1 ) car dealership can " FISH '' around a consumers credit information to different lenders. 
These several actions definitely have a adverse or negative impact on one 's own credit profile and score. 
I DID NOT GIVE CONSENT TO XXXX XXXX TO HAVE MY CREDIT 'FISHED " AROUND.
Consumer complaint received 2019-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MA)

On XX/XX/XXXX, XXXX notifies me of technical difficulties in not reporting to bureaus from XX/XX/XXXX. They also stated that " None of XXXX XXXX 's customers credit was negatively impacted. '' This is not true. My bureaus had not had any payments listed since XXXX, XXXX. I contacted XXXX on XX/XX/XXXX for an update & request a credit letter because I received a letter from my credit card company ( which was paid off ) stating that they are closing my account " since I don't pay my bills. '' Since XXXX was the only account I had open but not reported, I can only assume it was them. I was told my account was scheduled to be updated by the end of XX/XX/XXXX and that they would fax the credit letter over -- it never came. I called again XXXX more times, spoke to supervisors, all to get the same answer. On XX/XX/XXXX, a fax arrived but with someone else 's information. This has been ongoing since. Of all the Bureaus, 2 show my account as " closed '' and 1 is " open '' and XXXX blames the bureaus. My credit rating has been severely impacted and still is to this day. 

The issue is the comment XXXX has added to the account ; " Chapter XXXX Bankruptcy Dismissed ''. My car was not apart of the bankruptcy and if this information triggers the account to close. When it is removed the accounts is open again. This have been going on for almost a year and a half impacting my credit reports. I finally had to send an e-mail to the CEO of XXXX XXXX with documentation showing that when the information was added to the comments the account became closed and once it was removed it opened again. This worked until they recently updated my bureaus and the remarks were added back in again. My scores look like a EKG reading.
Consumer complaint received 2019-04-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hello, I spoke with a lady on XX/XX/XXXX to pay my account in full. Upon completion of payment I asked when this item would be deleted off my credit report and she stated within 30-45 days because she would submit it today and that they report to credit reports at the beginning of the months.
Consumer complaint received 2019-04-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (IN)

My mortgage was sold to Rushmore Loan Management Services last year. I received a packet explaining how to set up online payments, but this process has never worked. I would get an error message saying that the information I entered did not match what they have in their records, but did not indicate what information might be incorrect. I contacted them after a couple of months of having to send checks for my payments, and the support person I spoke to said that they would speak to their support department and someone would contact me. After another couple of months with no response, I contacted their support number again and the agent had me read back the information I was entering in the online account setup page, and thought that my Social Security number might be incorrect in their system. Rather than fixing it on their end, I had to fill out and mail in a form with the SS number and other information that should already be in my account so that they could " correct '' my information. It's been another couple of months with no response and I've tried twice to set up the online account with the same error message each time. I am not comfortable with a company having this much trouble handling online accounts, and not making an effort to fix the problem handling my mortgage, and if this issue is not resolved soon I will find another financial company to handle my mortgage.
Consumer complaint received 2019-04-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

Hello, I bank with Wells Fargo for the past 3 years I have had many issues with fraud and this last one is just un real. Friday XX/XX/XXXX my bank claims department calls me and says that some one has deposited {$400.00} in counterfeit money and are accusing myself of putting it in my account. I did no such thing!! I have a freeze on my account and no access it at all and that means i can not look at any transactions that were made as the bank is telling me that i would use the XXXX app to send money to a person at whom i do not know .. The bank is telling me that i may not ever be able to get a bank account at any bank as they will put out a bulletin also jail time. I filed a police report but this is apparently a civil matter and the police just have a record of myself telling them about counterfeit money in my account that i was not aware of until my bank called me. I have been trying to call my bank and they put me to many different departments and i have to stay on hold for so long that i wind up hanging up. Wells Fargo now offers card free banking through the atm. I am sure with the help of video at the atm also being able to trace the phone app for this card less atm the person involved will be caught but in the mean time i have no access to MY account. My future banking life is in their hands and that is not good considering Wells Fargo has many issues with scandal since XXXX.
Consumer complaint received 2019-04-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (IL)

I have been in Chapter XXXX since XX/XX/XXXX. 
Wells Fargo has not sent a mortgage statement since XX/XX/XXXX, despite numerous requests, in writing and by phone, by my bankruptcy attorney. 
An Agreed Order was entered on XX/XX/XXXX ordering Wells Fargo to send me monthly statements. 
Wells Fargo has not complied. 
Wells Fargo has not applied my XX/XX/XXXX payment.

Wells Fargo has not sent me an XX/XX/XXXX statement. 
I suspect they're charging me interest on balance not adjusted. 

XXXX XXXX XXXX
Consumer complaint received 2019-04-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: REGIONS FINANCIAL CORPORATION (AL)

I was charged a service fee on my now closed XXXX checking account ending in XXXX in the amount of {$8.00} to {$10.00}. I disputed the charge by phone and via Regions bank online messaging. I have since that time closed the account. It was not the first time I was charged a service fee for the same account and was able to get the credit back from them. The last charge they said could not be reversed because " It is a one time credit. I opened the account under a promotion that was never honored with the company and I sent them messages concerning the promotional offer of {$200.00} for opening my account. I opened a savings account as well and closed it around the same time as the checking account. I actually went in the XXXX branch to inquire about the service fee and closed my account. 
1. I disputed a service fee of approximately {$10.00}.

2. Inquiry concerning my promotion of {$200.00} which was not honored and they strung me along by saying it is not due until next month and oh you must wait until you have had the account 180 days.