davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-18
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: SANTANDER HOLDINGS USA, INC. (NY)

I am disputing this Santander account. 
due to so much inaccurate information. 
Reporting date " last active '' with XXXX XX/XX/2018 but tho other two bureaus are reporting XX/XX/2018 and XX/XX/2018 I am aware that Santander were in trouble with the CFPB for predatory lending I am a victim here and the exact same thing is happening to me.
Consumer complaint received 2024-06-13
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (NY)

On XX/XX/XXXX I closed my savings and checking account with Chime because I was unable to transfer funds out. It took 3 weeks for me to receive my closing check for {$23000.00}. I deposited in my local account and waited the required days for it to be released and transferred the majority to another higher interest account ( 5 % ). A few days later I received a notice that the check had bounced. When I called my bank they said the issuer of the check canceled it saying insufficient funds. I called and spent over an hour on the phone trying to figure out where my money was and getting a refund for the bounced check fees. At the end of the call I was told 3 check that would add up the the full amount had already been mailed out and I would receive the {$50.00} in bounced check fees. I waited 2 weeks and when no checks appeared I called back to be told that the checks had been returned, no reason given, they had my address, the first one made it, I'm not even sure they really mailed them ..... The rep said he would just need a min to get a new check expedited, 45 min later he said he could not speed it up and it could take up to another month before I get a new check. This had cost me over 3 hours on the phone, over {$300.00} in lost interest and a ton of stress and worry that my life savings is gone.
Consumer complaint received 2023-10-25
Product: Credit reporting 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 my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to remove these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-02
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo has not asked us for any information that caused them to not deposit our funds. They said the money was sent back XX/XX/XXXX, but the exchange broker confirmed that the funds are still at Wells Fargo ad of XX/XX/year>. They received our wire back in XX/XX/year>, but without asking us for any information they XXXX have needed, simply not communicating with us and not depositing our funds. 

These are the communications with XXXX, Wells Fargo and a banker at Wells Fargo. 
Hello, Thank you for your email. XXXX does not stop, seize, or hold funds. Financial institutions stop to investigate and release, reject, or block transactions or accounts pursuant to U.S. sanctions regulations.Please be advised that, in the course of investigating a potential sanctions nexus, a bank may request additional details from its customer, as part of the banks operations. This is not a request from XXXX. If a bank is unable to clarify a potential sanctions nexus, they may be unwilling or unable to process the funds forward. Please encourage your financial institution to contact XXXX if they continue to have sanctions-related questions after you have provided the requested information. XXXX toll-free Hotline number is XXXX or XXXX. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) U.S. Department of the Treasury Contact Us : XXXX XXXX XXXXXXXX XXXX XXXX, Please follow through with this, I am very upset with how XXXX is not doing his job on this hassle. You have left me with no options but to seek legal actions against your various departments for not providing a clear response AFTER OBTAINING A SIGNATURE FROM OUR SON. 

This is total breach of our banking rights and I will assure you of a full-blown lawsuit against Wells Fargo for violating our banking rights even for being in compliance and fully transparent. 

This is totally unacceptable and I will see to the end to see who is responsible for not acting in good faith and in violation of my rights. XXXX, your Manager, is a big part of this problwm foe not doing his due diligence. 



XXXX Agent, Thank you for your prompt response, Wells Fargo has not asked us for any further information, nor did we refuse to provide any information they requested of us., but they simply refused to deposit our funds, after their golbal sanctions unit refused the deposit, despite their XXXX unit approving it. 


We are now hiring an XXXX lawyer to look into this issue of how Wells Fargo is overstepping their authority in violating various financial banking laws against us. We have had no issues, until now and without any clarifications or reasons by this irresponsible and careless financial institution, Wells Fargo. 

Sincerely, XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2024-07-01
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY (CA)

We followed and in full compliance with XXXX, XXXX approved the wire, but Wells Fargo returned the money to the origin without providing us any explanations. Wells Fargo does not respond and simply violates our rights over and over again. Why can't CFPB do anything about their lack of response. Seems like we are forced to secure a law firm at this stage.
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

My credit report is showing late payments to XXXX XXXX  XXXX, XXXX XXXX  XXXX, and XXXX/XXXX  XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service representative.
Consumer complaint received 2024-06-25
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo constantly use excuses that they are required to follow sanctions laws, but they have internal operational issues that have nothing to do with being in compliance with XXXX, they are in violation of our banking rights. Wire was sent XX/XX/2024 and was supposed to be posted by XX/XX/XXXX or no later than XX/XX/XXXX, it is now XX/XX/XXXX and our wire has yet to be posted and they are delaying our next wire. I have written : XXXX XXXX, I have been informed by my son that Wells Fargo has delayed our wire transfer by XXXX weeks. Regardless of any excuses Wells Fargo might have, this is not only unacceptable but also a serious violation of our banking rights. It appears that this delay stems from an issue within your XXXX Sanctions department rather than the XXXX department. 

When a Wells Fargo customer has issues paying bills or is late on some payments, Wells Fargo imposes fines. However, when Wells Fargo encounters issues, it seems to merely offer excuses. I find this double standard unacceptable, especially since the delay affects our next wire transfer. A process that typically takes XXXX to XXXX  days has now taken over XXXX weeks, despite being escalated. 

Please file an internal complaint on my behalf, as I will be informing the CFPB of Wells Fargo 's banking violations against us.
Consumer complaint received 2024-07-09
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: SOFI TECHNOLOGIES, INC. (MN)

On XX/XX/year> a personal loan through XXXX was finalized and documents were signed. SOFI requested a voided check be uploaded to verify the correct account for deposit of funds, which i had desired to be my long standing personal checking account, externally. My credit union provided me a XXXX XXXX form in lieu of a voided check, as i do not have checks on my account. My bank also supplied me a certified letter to verify account ownership, yet SOFI refused to accept the documents and I was forced to set up a checking account with XXXX to receive the funds, which i then had to transfer to my desired account using XXXX. 

The account i wanted the funds deposited into, is the same account that my automatic payments were to draw from, as indicated in the XXXX XXXX documents i completed with SOFI, yet, without my consent, this was changed to the new SOFI checking account, and has since resulted in a late payment.

SOFI used shady tactics to coerce me into setting up an account with their bank, and are now using the same shady tactics to coerce me into using this account, in what I believe is an attempt to defraud their funders and investors into thinking the bank has more transactions than is accurate. 

I have documented chats with SOFI support ensuring me that the account I listed was the account that would be drawn from, yet that was false, my bank has no record of an attempt ever being made. SOFI claims the payment was returned due to insufficient funds, which again is false as they never attempted the debit as they claim.

SOFI is dishonest, shady, and possibly fraudulent. They have lied to me on recorded lines several times and are actively working against me in my good faith attempts to pay my debt in a timely manner.
Consumer complaint received 2018-04-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (TX)

Please see complaint # XXXX ; We have received your response on behalf of Mr. Cooper, our loan # XXXX. The modification documents were reviewed for fairness and proper financial structure and it was determined that the most common and basic modification using 31 % of gross income and no other liabilities or circumstances were considered. As such, modification document signatures are being completed and forwarded.
Consumer complaint received 2024-05-15
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: WELLS FARGO & COMPANY (CA)

i have filled a FRAUD claim with WELLS FARGO CREDIT CARD COMPANY and they are refusing to resolve the fraud case with me. I have filled a POLICE report and provided all the information to them i had also filled to receive a new ID Because i left to XXXX and recently had that done. And now the credit card company is refusing to solve the claim in my favor because they are saying the store that my card was used frequently it was used XXXX years ago same store. For me this doesn't make sense at all. I have filled a police report i didn't know i was supposed to and provided everything they had asked of me and now they are refusing to file the claim and do their du diligence and investigate to see its not me, but again they are refusing to do that i would like wells Fargo to be investigated because this is a very shady company i have never had to deal with this kind of company that is not willing to help me when i had fraud on my credit card, Please help me resolve this issue because they want to leave this charge on me they have send me a letter datedXX/XX/XXXX that they have completed the fraud case and it was authorized by me. This is not right this is unfair please fully investigate this company because this is wrong treatment to someone who is not guilty i have done everything they have asked from me they still don't care no one is helping me from wells Fargo department to resolve this. They have not done full investigation and they sre trying g to get rid of me. I feel like i am discriminated against and i am not being treated fully i don't know if its because of my voice or what but wells Fargo company is a fraud to me for not helping with this fraud case i have opened with them i even asked them to open a camera to view this is fraud they said you go and do that yourself they are not treating me fairly.
Consumer complaint received 2024-05-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (GA)

From XX/XX/XXXX to XX/XX/XXXX, I have multiple charges from XXXX and XXXX on my chime account. I noticed that someone hacked my account and was charging these different amounts on my account. I filed the dispute last night and this morning, not even 24 hours later they said that they denied it. No real investigative work was done to even determine the validity of the claim.
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

In accordance with the Fair Credit Reporting Act, XXXX XXXX account number : XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. In accordance with the Fair Credit Reporting Act, Equifax has violated my rights. 15 U.S.C 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions. 15 U.S C 1692C : Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Consumer complaint received 2024-05-15
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: CL Holdings LLC (MI)

I am trying to purchase a house however when I went to review my credit report, I notice some derogatory accounts on my report. I asked them to remove all this information immediately, they sent back information stating this account has been verified but did not send me a purchase agreement or any information confirming it. In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 ( section 6 0 2 a ) states that I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2023-04-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (FL)

As indicated in the earlier complaint on XX/XX/XXXX I came out of forbearance due to Covid. Since then, I have made monthly payments to Specialized Loan Servicing ( SLS ) of {$3400.00}. In XXXX payments of {$3400.00} were made on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. In response to my earlier complaint SLS reported that on XX/XX/XXXX deferral was processed and the account was current. 

3 weeks ago, I was notified that my credit rating was reduced from XXXX to XXXX due to late and missed mortgage payments to SLS. The SLS message center claimed that my account was past due. I sent SLS the canceled checks showing that payments have been made and ask for a correction of the credit report. 

A XX/XX/XXXX SLS Message claims my XXXX payments have been late and that I owe {$15000.00}. I sent SLS copies of all 12 canceled SLS checks each for {$3400.00} for XXXX. As indicated with the checks, I have always made payments on or about the XXXX of each month, which was my due date. 

During XXXX I have received no indication or any reporting from SLS that my payments were up to 57 days late and that I was accruing delinquent late fees. The only correspondence from SLS was 6 notices of Intent to Foreclose ( XXXX, XXXX, XXXX and XXXX, XX/XX/XXXX and XX/XX/XXXX ). In addition, SLS has not provided a XXXX Form 1098 Mortgage Interest Statement. 

In XXXX payments of {$3400.00} have been made on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and a payment was mailed on XX/XX/XXXX. 

Since I have received zero monthly statements from SLS for XXXX, XXXX and XXXX I requested then in writing on XX/XX/XXXX, which I received this week. The provided XX/XX/XXXX Mortgage Statement claims I owe {$16000.00} due to late fees and missed payments. 

If required, I can provide copies of all canceled checks that SLS has cashed. 

Thank-you for your attention to this matter.
Consumer complaint received 2022-10-26
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. (TX)

I submitted a letter to the 3 Credit Bureaus to update these erroneous items. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/2021 US SM BUS ADMIN XXXX XX/XX/2021
Consumer complaint received 2024-03-28
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION (VA)

The complaint is against Navy Federal FCU. 
On XX/XX/XXXX of this year Navy Federal once again tacked onto all three of my credit reports a car loan that belonged to my late mother, is WAY outside of the statute of limitations, has nothing to do with me, and according to Federal law as I understand it should have dropped off of my reports THREE YEARS AGO as it is now over eleven years old even if it was mine yet they refuse. 
When they put it on my credit again it caused my ratings to drop by almost XXXX points and now I need to move and can not as this hit has destroyed my credit.
Consumer complaint received 2024-05-15
Product: Credit card — Store credit 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. (CA)

XX/XX/24 - open homedepot card, purchased {$310.00} with the new account. Card supposed to send to my home XXXX business days. I have not received after XXXX weeks, than got text message that it used to purchase, I called Citi banks to cancel the card and account. They did but they resent me a replacement, which I didnt also recieved. 
XX/XX/24 - fraud purchase {$100.00} XX/XX/24 - fraud purchase {$1400.00} XX/XX/24 - fraud purchase {$55.00} XX/XX/24 - fraud purchase {$1100.00} XX/XX/24 - fraud purchase {$500.00} XX/XX/24 - fraud purchase {$810.00} XX/XX/24 - fraud purchase {$360.00} I called Citi bank and reported these fraud purchases many times and told them that I did not even got those cards. On top of that I was requested to cancel the account and card already, but the citi bank still sent card out. It got stolen and made fraud charges as listed above. 
XX/XX/24 - called citi bank dispute charge. They said they will investigate take XXXX weeks. 
XX/XX/24 - received statement that charges refund and clear. 
XX/XX/24 - paid {$310.00}, my purchase, by phone to citi bank customer service person. Citi bank told me my account is clear and close. 
XX/XX/24- received another statement with all above charges is on bill. I called citi bank right away, and they said those valid charges, that why it still remains on the bill. Again I never got those cards, and didnt make any charges, the only thing I did many times were calling citi bank notify them about fraud charge and the refuse to help and put those responsibilities on my account. 
Please help to dispute these charges because those were made the frauds. 
Please contact me at XXXX if you have any question. 
Thank you.
Consumer complaint received 2018-08-15
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (CA)

Went into XXXX XXXX in XXXX XXXX on XX/XX/2018. At check out I was asked by the manager of the store if i was interested in joining their new rewards card for an additial discount on my purchase. I asked if this was a credit card and he said no. the manager explained that it was a rewards card. He also said they do not run your credit and I did not need to provide my social security number. He went on to say he only needed my ID and phone number. I was under the impression my license was to get my name. He then said I was denied and I was confused as to why because this was a " points/rewards card ''. The next day XXXX XXXX  alerted me of a hard inquiry on my credit and then i received a letter from the XXXX XXXX XXXX  that i needed to contact them to process my credit application. This company is giving customers false information and doing hard inquiries on their credit reports without consent or using a Social security number.
Consumer complaint received 2018-08-15
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Delay in processing application
Company: SYNCHRONY FINANCIAL (MO)

I contacted care credit to see what the minimum requirements were for getting approval on an application. They could not provide me a credit score or debt to income guideline. They only stated that they could not advise a client of what was needed in the event that it deterred a client from applying. As a consumer I asked for the transparency of truth in lending and cfpb to please be recognized and provide the requested information. They refused. How am I, as a consumer, allowed to make a well informed decision on when to run my credit if the providing company will not share specific details that their system and underwriters are privy to? I would like a better response to this question or at least know if they are within guidelines to denied me this information. 

Thank you, XXXX XXXX