davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Hi, I was just on the phone with the fraud team from XXXX XXXXXXXX XXXX XXXX  and they told me this fraud account shall be deleted from my credit report. I spoke to the manager and he said they can not dispute this account because they don't have on the system. 
I was just informed by them that I have the right to request this fraud account for deletion as fraud and I would like to exercise that right.
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MA)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2024-06-27
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC (NV)

On behalf of XXXX XXXX XXXX XXXX Radius Global has a debt of {$1700.00} on XX/XX/XXXX from an account that was opened due to Identity Theft. The account was not authorized to be opened by me.
Consumer complaint received 2024-06-27
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: NAVY FEDERAL CREDIT UNION (TX)

I recieved a text message asking me to pay some change to XXXX becuase my package was stuck at a warehouse. Which, I did order something i was waiting for. It prompted me to enter my card information and i hesitated but i did because it looked fairly legit and i was worried it wouldnt deliver. the next day navy Federal called me and said i had a fraudulent loan and needed to log ibnto my account and send them the money back so they can fix it. When i logged in i saw that i indeed had a {$5000.00} loan account i did not request. The man sounded just like he worked for navy fed and was very professional. I suspect it might even be his day job. He told me to send the money in incriments to nav federals official XXXX account. It was a lot of strange steps and i cant remmeber exactly how they made me do it but it even involved an external account. The man played me like a puppet. Since then i have been receiving non stop scams on every account i have and have lost about {$7000.00} in total. I trusted that navy federal called to assist me but it was not in fact navy federal. NIW AFTER A LENGTHY PROCESS IN REPORTING FRUAD, NAVY FEDERAL IS STILL EXPECTING ME TO PAY THEM FOR THE LOAN. Additionally they have taken over {$2000.00} from me through my direct deposit and a refund from an extended warranty i bought last year and received in recent months. They insist I am responsible though I have provided thorough and sufficient evidence that i did not open that account. Furthermore, there were XXXX security checks done on the FORAGED signature on the promissory note signed in my name.
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-06-27
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: TRUIST FINANCIAL CORPORATION (PA)

Good afternoon, Please see attached communication with Bank Representative XXXX and email to underwriter dated Tuesday XX/XX/year>. 



My husband and I previously applied for a HELOC on XX/XX/year>. I forwarded all initial requested documents on that date. Additional documentation was requested and forwarded directly to the underwriter on my file on XX/XX/year>. 



I continued to check on the results of the application as you can see in the text thread below. In addition to the text thread I called the office of Truist bank several times. I spoke with XXXX who informed me XXXX was out of office on vacation. As a result of XXXX vacation XXXX was unable to give me any updates on my application. 



On XX/XX/year> I spoke with XXXX who informed me my application was denied due to not receiving the requested documentation. As a result of the application being over the time limit I would need to apply again. 



This unfortunate circumstance is to no fault of my own. Yet my credit has suffered as well as other endeavors I intended to use the funds for. My credit score dropped by XXXX points in XXXX due to the first application. With an additional application my score will continue to be damaged. My credit score should not be further impacted due to XXXX negligence. 



I have banked with Truist for over a year. We have several accounts with Truist. On my credit report there are over 4 inquiries from Truist Bank. The inquiry from XX/XX/year> labeled as Truist Bank has no justification for the request.

I am requesting the original application and credit score be used to determine my acceptance of the loan. My husband and myself have no issue with providing additional documentation on our income.

I feel like my husband and I are being discriminated against. We went in office to complete this application. 



Please expedite this matter and advise. 

Best, XXXX XXXX
Consumer complaint received 2024-08-08
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Winklevoss Exchange LLC (VA)

I deposited over {$1000.00} dollars into my account on XX/XX/XXXX with no problem. A couple of weeks later i decided i needed to move that money to my other account and they froze my account. I sent them a message asking why they froze it, and of course i got no straight answer. So they asked me to send in some documents, a selfie holding a piece of paper, and the reasons why I'm using XXXX ( which is not their business but i did anyways ). Once i did that they stopped responding. Ive send over 10 emails and tried to call them, talked to their on XXXX  and XXXX, with no luck. They are trying to scam me and I've seen hundreds of others have the same problems has me. Some haven't had theirs resolved and its been years. please help. I'd really like my money back from these lying cheaters. my balance continue to fall because the markets are dropping in price. Gemini is forcing me to take losses and they owe me that money back.
Consumer complaint received 2024-08-09
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (NY)

I opened a XXXX 's retail credit account in XX/XX/XXXX, ending # XXXX through Synchrony bank. Interest was ridiculously high. This account was later closed by the merchant unexpectedly sometime around XX/XX/XXXX or XX/XX/XXXX. I continued to pay account down but then I noticed that bank continued to charge interest and fees on this closed account. I called them yet still it continued so i filed a couple disputes through credit agencies. Then finally it was updated to reflect charged-off in XX/XX/XXXX for an amount reflecting higher than what was owed. It is only fair i pay my debt and only my debt at time of card closure ( XXXX minus last {$200.00} payment = {$750.00} ) and have this account/tradeline removed from my credit agencies for misleading and predatory practices.I am sure Synchrony has been getting away with this for a long time. They approve new accounts with high interests, then they blindside consumer by closing it, but yet continue to charge interest and fees which then only sets off hardship for consumers.
Consumer complaint received 2024-08-08
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: DIGITAL FEDERAL CREDIT UNION (FL)

I have been the legal Trustee of this loan since my brother 's death on XX/XX/year>. I have made monthly payments to DCU since that time. Originally, I was given access. Over the years access was lost, and they refuse to give me any information whatsoever after repeated requests via phone calls and emails. I even brought all documentation into the XXXX NH branch again in XXXX of last year. I have been constantly told they are working on getting this issue resolved. Numerous phone calls as well as emails have gone ignored! His ex wife 's name is still on the mortgage however not on the deed. I have provided them with the Quitclaim certificate and informed them my brother had died before removing her name from this mortgage. She had bankrupted my brother and forged his name on credit cards etc. She has changed her name years ago. I have allowed my brothers ( XXXX XXXX ) daughter to continue to live in his home. The mortgage has increased from {$1300.00} to {$1500.00}. Found this out through secondhand information. At the time of my brothers passing the equity in the home was XXXX. Please help me resolve this situation. The Digital Credit Union should be investigated. I have every right and am extremely frustrated. Much Thanks, XXXX XXXX I have saved emails, dates and names of all involved if required
Consumer complaint received 2024-08-08
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: GOLDMAN SACHS BANK USA (CT)

On XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I contacted Marcus Savings and Investments. I requested trade confirmations and the company said they could not provide them. They said the investment side of the Marcus Savings and Investments was sold and transferred to a company called XXXX. 

I did not know XXXX, so I opted to have the investments transferred to XXXX. 
Since the financial products were not transferable, I sold these investments. 

So, I need the records of the sale of the investments and the purchase price of the investment I made.
Consumer complaint received 2024-08-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Co LLC (TX)

XXXXXXXX XXXX XXXX ; Collection Reported XX/XX/XXXX ; Assigned XX/XX/XXXX XXXX XXXX XXXX  - Retail ; Original Creditor - XXXX XXXX ; Amount - {$75.00} ; Status as of XXXX Unpaid ; Date of XXXX Delinquency XX/XX/XXXX ; Balance as of XX/XX/XXXX - {$75.00} ; Individual Account XXXX Account # - XXXX ; Address : XXXX XXXX XXXX XXXX XXXX MO XXXX : ( XXXX ) XXXX I have never rented anything from this company listed above. I have written and contacted the company multiple times with no response. The phone number listed from the credit report is a actual cell phone number. I submitted a dispute request through XXXX and I was told that the company is responding to XXXX stating that I have a debt with and it's valid. I don't have any debt with them and I would like to have this removed from my XXXX XXXX
Consumer complaint received 2024-08-09
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL (MA)

Hi SYNCB/TJX COS DC ; I was shocked TODAY when I reviewed my credit report and found late payment on the dates below : XXXX AND XX/XX/year>. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2024-08-09
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: Chime Financial Inc (TX)

On XX/XX/24, I paid a portion of my rent with my chime account for {$180.00}. On XX/XX/24 I called Chime bank spoke with XXXX regarding a payment that was returned this rep was rude and hung up the phone on me. I called back and requested to speak with a supervisor, I spoke with XXXX. I explained to her about my transaction being returned. She informed me that my balance on XX/XX/24 was XXXX that the transaction presented on XX/XX/24 for XXXX. The difference was {$19.00}. She could not understand why the spot me service did not pay the transaction. XXXX didnt try to resolve the issue she did not have an explanation why. Chime returned my payment. Chime as a spot me service. My spot me amount is {$30.00}. When the transaction was represented on XX/XX/24 my balance was XXXX which was my ending balance on XX/XX/24. According to Chimes spot me service they will spot you for the amount of {$30.00}. The difference between the XXXX and XXXX is {$19.00}. Chime did not spot me the {$19.00} which is below my {$30.00} spot me amount. This is deceptive business practice. If you offering a spot me service to your customers and you dont spot the customer or you pick and choose when you want to offer the service is deceptive. Chime is not offering the service that they agreed upon in their contract. Chime returned my payment which caused me to incur a {$50.00} NSF fee with the management company I rent from. I also had money in my saving account to cover the negative amount, but Chime did not take the money from my savings to cover the difference. Chime has a round up service where they round up all your purchases and put the difference in your savings account, but they can not transfer funds to prevent a transaction from returning. This is unacceptable and very deceptive.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TD BANK US HOLDING COMPANY (CA)

I found out that my identity was stolen and my accounts were used in fraudulent activities online. I immediately reported this to the company and bureaus. I even called and requested for NORDSTROM today to kindly delete and close the account that got compromised but they insist on keeping it on record for 7 years. Not to mention that I was XXXX  and almost XXXX  on XX/XX/XXXX and they added a late payment on that same account. I told them about the situation and the bureaus but they still refuse to help me to this date. I have been going back and forth since the beginning of XXXX. That is very unfair. I request for this account to be closed and deleted from my credit reports. I am willing to pay the dues if I have to, but please delete this asap. I expect nothing more from NORDSTROM because I now know how inconsiderate they can be, so yes, if they want my money, just take it, but delete this account from my credit reports. 

Here 's the fraud account info : NORDSTROM/TD BANK - XXXX - XX/XX/XXXX XXXX
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MI)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I had a XXXX XXXX card from 2017 that was paid off in full. But it still shows as a negative item on my credit report. The account is paid and closed as agreed and i would like the item removed off of my credit report. The account has been settled
Consumer complaint received 2024-08-09
Product: Credit 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: GOLDMAN SACHS BANK USA (TX)

I placed an XXXX XXXX XXXX  XXXX order online XXXX on XXXX XX/XX/year> using Apple Card, due to delivery date is long canceled on XXXX XX/XX/year>. I got intimation like once order sent back to warehouse I will get refund but it took long and went till XXXX XXXX. But I raised a dispute XXXX XXXX in my apple card to avoid payment for that monthly bill. I havent Received refund even after XXXX XXXX so. 

I called apple and explain the situation after being in 2hr call with Goldmansach & apple team. I came to know that apple completed their side by generating invoice proofs and set their side refund as completed by assuming Goldmansach already provided me a refund by looking at dispute credit. as we know dispute credit is not refund its just a temporary credit available till that investigation proved. 

So they both ( Apple specalist & GoldmanSach ) in call came to conclusion that I need to drop dispute so Apple can initiate a refund in 60 days, Today ( XX/XX/year> ) I'm still waiting for my money. if I call apple they are saying refund completed from our side call your bank & I'm calling goldmansach they are saying we havent received any refund from apple. I'm getting so confused what to do both are not helping even they are partners in Apple card. I pray XXXX everyday for my refund {$1300.00} its not a small amount to me. Please need some help. 

Order number : XXXX
Consumer complaint received 2024-08-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: Early Warning Services, LLC (TN)

This is a Zelle and credit union issue. It was not made clear by either institution that I would be charged a fee " for inactivity '' if I had money coming in via Zelle, but not flowing out through Zelle. 
The app is used every month with money flowing into my account. Why Zelle considers that " inactivity '' is beyond me. 
My bank has reimbursed one recent fee. I have been charged multiple times. This is a form of fraud. And, it is a violation of my trust.
Consumer complaint received 2024-08-09
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: GOLDMAN SACHS BANK USA (MA)

Dear XXXX XXXX XXXX, XXXX ; APPLE CARD - GS BANK ; Please kindly see the attachment! I am writing to seek your urgent assistance regarding a significant issue with my credit report. After reviewing my report with my loan officer, I discovered that my account was marked as late for XXXX, XXXX, and XX/XX/year>. This seems to be an error, as I settled my bill in full, totaling {$3200.00}, in XX/XX/year>, and requested that the account be closed immediately. 

I recently ( TODAY ) contacted your customer service team to address this issue. During a call a few minutes ago, a representative confirmed that the account was indeed closed and that there is no remaining balance. They assured me that an immediate request would be submitted to remove the late payments from my credit report. I am following up with this email as advised to ensure that the correction is processed without delay. 

The erroneous late payments are causing significant distress and could jeopardize my home purchase, as my loan officer indicated that these marks are adversely affecting my credit score. Given our positive history, I am confident that we can resolve this matter swiftly and prevent further complications. 

( APPLE CARD - GS BANK XXXX XXXX XXXX XXXX XXXX GOLDMAN SACHS BANK XXXX, PA XXXX ( XXXX ) XXXX )
Consumer complaint received 2024-08-08
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP (IL)

On XX/XX/year>, I called in to clear my accounts balance as there was a glitch to pay my credit card. The agent on Elan Financial service calculated a lumpsum and I authorized the payment over the phone. I thought my account was cleared. But today I was checking other issues on Fidelity ( Elan was processing credit card for them ). I was shocked that my card have {$20.00} charges. After calling them, I was told that there was {$3.00} unpaid amount for my XXXX payment. But I was asked by their agen to pay about {$280.00} to clear balane on my account. The number I need to pay to clear my account was provided by the agent from Elan Financial Service, who acutally did the math WRONG. Now I have to pay for their mistakes, which growed 4 times for just 1 month. Having called them but they refused to accept their obvious mistake and blame me not looking my estatement for the past month. I did not use that credit card and thought I had a peace of mind, but Elan growed {$4.00} miscalculated payment into {$20.00} over 1 Month is astonishing. Given the amount of services they did on behalf of Fidelity etc, I realize Elan could have made a lot of money in this way by " unintentionly '' miscalculating the lumpsum balance to pay. 400 % growth over a month is really astonishing, which I thought goverment shoudl have oversight on it as well. 
I did not know this kind of company that claimed to serve over XXXX institutions according to their website info https : //www.elanfinancialservices.com/credit-card/about-elan.html
Consumer complaint received 2024-08-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC (NJ)

On Monday, XX/XX/year>, I notified my bank, XXXX XXXX XXXX XXXX, of an unauthorized Zelle transaction in the amount of {$1500.00} USD that occurred on XX/XX/year>. I did not make or authorize the transaction, I did not know the recipient and I did not benefit from the transaction in any way. To date, Zelle has refused to return the {$1500.00} of unauthorized funds, even though I am protected under Regulation E.