davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-24
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (CA)

I been lied too since XX/XX/2023. With the misleading info that I am enrolled in overdraft protection service. When this court litigation im involved in. Coincidentally started having difficulties with my checkings account. Multiple problems platinum debit card declining. At branch ATMS Even after making {$200.00} dollar cash deposit. Transaction failed and declined. Mobile phone app Wells Fargo app website. Clearly says my checkings account not eligible or enrolled in overdraft protection service. Making those changes not accessible Mobile app.On several different occasions bankers stay mute speechless. When questioned relating to what the disclosures say in writing. What's going on here I been flagged and my bank account modified. This is very unfair and very inconvenient. According to your guidelines and rules. Unfair banking service should be submitted to your agency in writing.
Consumer complaint received 2021-06-29
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (AZ)

I have been trying to refinance 2 loans for 9 months with them. They told me in XX/XX/2020 I was approved. They have told me multiple times I was ready to close and nothing. They keep asking for more and more. I have had to pay for 4 payoffs and still no close. They want to run my credit again even though I have very good credit. One of the mortgages they already hold, I've never been late, that should be a no-brainer. They appraised them and there is 50 % equity in them. And they still won't close. I have been through many managers and they keep blowing me off.
Consumer complaint received 2021-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL (MD)

XXXX XXXX XXXX cards XXXX XXXX XXXX XXXX De XXXX XXXX filed an inquiry on my report that I did not authorize on XX/XX/2021 when I canceled my card. I did not give permission to have my credit pulled. I therefore closed the account and was told I had a XXXX balance. I later found out the marked me with a late payment through XXXX, XXXX, and XXXX. this informations is false. Please help.
Consumer complaint received 2021-03-14
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. (MD)

On or about XX/XX/21, my credit score on experian.com dropped by 14 points. Leading up to the drop, I received alerts indicating that my FICO score went up. The drop, therefore, made no sense since I had lowered my credit usage. I contacted Experian by online chat ( transcript attached ) and, although the customer representative was pleasant, she didn't properly express the reason for the drop in the score. If you look carefully at the chat, you'll see that the rep used a canned reply about the decrease ( she couldn't have typed her response that quickly and this tells me that the problem with consumers is not that uncommon ). 

Experian has some premium services that you can sign-up for to increase your credit score. I don't use those premium services and shouldn't have to as long as data/activity is correctly reported. 

Thanks for looking in to this matter!
Consumer complaint received 2021-06-29
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft CAP ONE NA Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXX XXXXXXXX  XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft XXXX XXXX XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

9. Identity Theft XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX This is not mine. 

10. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

11. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

12. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

13. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

14. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

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

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

17. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

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

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

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

21. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

22. Identity Theft CAPITAL ONE Date of inquiry : XX/XX/XXXX This is not mine. 

23. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

24. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

25. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

26. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

27. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

28. Identity Theft CAPITALONE Date of inquiry : XX/XX/XXXX This is not mine. 

29. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

30. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

31. Identity Theft XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

32. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

33. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

34. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine.
Consumer complaint received 2024-02-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CO)

The IRS sent me a tax refund to my bank account on XXXX XX/XX/2024, and it is XXXX XX/XX/2024 and I still have no refund. The bank keeps saying itll be cleared in a couple hours but I am on day 2 of no funds available. They wont give me an explanation of why my funds are being held and when theyll be released.
Consumer complaint received 2021-06-29
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Ria Envia, LLC (GA)

Issue with Ria money transfer service. 
I send money to my XXXX account XXXX usd.but they deposit my money to wrong account. 
In receipt my account no is shown XXXX. 
But my actual account is XXXX XXXX  XXXX XXXX, XXXX XXXX. 
XXXX XXXX. 
So I already talked with RIA money via email ... they accepted that money transfer to wrong person. 
Now they don't give me my money back. 
They waiting for money back from that person where they deposit. 
RIA money every time send me email " your money recall is in process " But up to still today I don't get my money back. 
Transfer details PIN : XXXX Transfer date XXXX XXXX. 
XXXX usd.
Consumer complaint received 2021-06-29
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. (WA)

This account was remove from Transunion 2 months ago and it was place back on my credit report. I have disputed this account 3 times now, is not my account this a fraud open in the middle of the pandemic on the same day i got approved for my car loan. 
I have requested XXXX to please provide proof of me giving then my signature for this credit card. My request is for Transunion to delete this account one and for all from my credit report. 
XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX WA XXXX ( XXXX ) XXXX Date Opened : XX/XX/2020 Responsibility : Individual Account Loan Type : CREDIT CARD Revolving Account Balance : {$12000.00} Date Updated : Payment Received : Last Payment Made : High Balance : Credit Limit : {$12000.00} Past Due : {$12000.00}
Consumer complaint received 2024-02-24
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CITIBANK, N.A. (WA)

My credit card was locked when I tried to make a purchase. I called them and they said they unlocked it. Then, I tried the purchase again and they said their system didnt allow to send me a verification SMS, so they had to call me to verify my identity and proceed to unlock my card. After I got the call and verified my account they said they had unlocked my account again, but it was not true. When I called them yet once more, they now said the only way to verify my identity was to give them the number of ANY OTHER CREDIT CARD OF MINE! ( not with their bank ). I told them that this was a privacy violation and sounded like a scam, so they told me they wont unlock my account then. Ive tried calling them multiple times and now theyre saying that XXXX cant even close my account until I receive a letter on my physical address with a code, which according to them would take XXXX business day to arrive!
Consumer complaint received 2021-06-29
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: Santander Consumer USA Holdings Inc. (TX)

I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores.
Consumer complaint received 2021-06-29
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. (PA)

XXXX XXXX XXXX incorrectly reported late payment on my account from XX/XX/XXXX - XX/XX/XXXX. They will not remove it despite my attempts to file a dispute with the credit bureaus.
Consumer complaint received 2021-06-30
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. (CA)

There are 18 accounts on my credit report that do not belong to me I have been in contact with the bureaus and the furnishers and they are not helping me out I have been going and forth with them regarding these accounts they are not mine I dont know how welse to say this!!! 

Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account
Consumer complaint received 2021-06-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

There are 18 accounts on my credit report that do not belong to me I have been in contact with the bureaus and the furnishers and they are not helping me out I have been going and forth with them regarding these accounts they are not mine I dont know how welse to say this!!! 

Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC (OH)

Westlake Financial reported to lates on my credit account and neither are correct. One late was reported on XX/XX/XXXX and the other XX/XX/XXXX. I have asked them to provide proof or remove and I have not received any proof nor have they removed.
Consumer complaint received 2021-06-30
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NC)

I experienced a sudden drop in my credit scores. I requested a copy of my credit report and discovered negative remarks that were added on XX/XX/2021. The account with the negative remarks is an old closed account and has inconsistencies with all XXXX bureaus. I submitted a dispute letter to investigate. A letter was sent back stating that the investigation was complete and verified as accurate, however, information unrelated to your dispute has been updated. I sent another letter requesting information on who was contacted, the method of verification etc, and was sent a second letter ( from Equifax as well as XXXX XXXX ) with the very same, verified as accurate, however, information unrelated to your dispute has been updated. I have sent yet a 3rd letter certified with a return receipt requesting the same information via XXXX. My information has also been compromised and there are incorrect phone numbers and addresses listed. I am taking steps towards correcting this as well. All 3 bureaus have inconsistent information on this same account.
Consumer complaint received 2021-06-29
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY (CO)

Wells Fargo has been trying to collect an inaccurate amount of a closed banking account for over 7 years. I have tried in XXXX and XXXX to remove the inaccurate information and they would not. I recently opened a dispute in XX/XX/XXXX and they again did not remove the debt or account from my credit report and actually have no updated where it won't fall off until XXXX XXXX when before the dispute it should of been removed in XX/XX/XXXX. This should be removed right away. The current collections balance is {$230.00} which I never owed.
Consumer complaint received 2021-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION (PA)

At the end of XXXX this writer suffered XXXX XXXX XXXX. During this period due to my inability to sustain employment I was unable to keep up with my credit card payments with Navy Federal Credit Union. Therefore, my payment fell behind to the point where Navy Federal decided to close my account. 
In XXXX after a full recovery and back to work full time, I contacted Navy Federal and inquired about the past due debt that I owed them. They informed me of the full amount ( {$450.00} ) and after minimal negotiation, I was informed that the only way I could settle this debt to the satisfaction of both myself and Navy Federal was to pay off the entire amount in cash at the local branch. The agreement was that I would pay the full amount, and the bank { Navy Federal ) would fully recover their loss. And for doing so I would have this derogatory removed from my credit profile with the Credit Reporting Agencies. 
On XX/XX/XXXX, I paid off this overdue debt to Navy Federal. ( See Attached ). 
about 30 days later I contacted Navy Federal and informed them that the negative information was still reporting on my credit reports. I was told at this time that it usually takes 4 to6 weeks for the corrections to take place. 
I waited another 30 days and again checked my reports. This time I noticed that it stated that this account was a Charge Off, But it was paid. I again contacted Navy Federal. This time I was told that They were NOT GOING TO REMOVE the derogatory info, but it would state that the debt was paid. I informed the person I was speaking to that this was contrary to the deal I was made prior to my full repayment of this account. I was told that no matter what agreement I had previously reached with them, this was their position now. 
I am under this impression that Navy Federal practices allow for their agents and customer service reps to tell their customers whatever the customer wants to hear in order to assure that customer pays them their money. Then after getting their past due balance they ( Navy Federal ) renege on their promises and feign memory of ever making this deal in the beginning. These practices are expected more from a collection agency. than that of a reputable bank like Navy federal. They should be made to keep their word,, not only in this case but all cases where they make promises to customers in order to receive payoffs ... ... 
Also note, I disputed this account with XXXX. The results are dated XX/XX/XXXX, which state clearly " {$45000.00} WRITTEN OFF '' Now my question would be why would Navy Federal state that this amount was written off in XXXX of XXXX when in actuality this account was paid if full in XX/XX/XXXX. It is as if they are going to great lengths to disparage this customer. See attached ...
Consumer complaint received 2021-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AL)

I have mailed several letters to Equifax disputing the child support account they are incorrectly reporting on my credit file. I MAILED THEM OVERNIGHT with certified mail receipts this last time. I have mailed over 5 letters. the account they are reporting is inaccurate. I sent proof that the child is not mine and I don't have any kids within that marriage. I have been divorced for almost ten years and remarried for 3yrs. Equifax failed to verify the account. the account antedates the reporting date by more than 7 yrs. they sent a letter once last year stating that the account was verified, but are unable to provide verification procedures. they have failed to respond to my letters. just completely violating my consumer rights. I don't have this issue with other reporting company just Equifax.
Consumer complaint received 2021-06-29
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: EQUIFAX, INC. (NC)

XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX CARD - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXXXXXX XXXX  - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.
Consumer complaint received 2021-03-18
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: ENCORE CAPITAL GROUP INC. (OH)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2022-10-26
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: SANTANDER HOLDINGS USA, INC. (TX)

divorce : property was kept by ex-wife and sold by ex-wife. 
very unfair credit reporting due to ex-wife XXXXXXXX XXXX XXXX acct : XXXX Santander consumer usa XXXX XXXX XXXX XXXX XXXXXXXX never late always reporting that i am late.