davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-17
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: NAVY FEDERAL CREDIT UNION (CA)

I am currently stationed overseas and I was out with some friends when I misplaced my phone, I ended up finding it later that day and everything seemed fine with my phone. On XX/XX/2020, I noticed that there was a XXXX cash advancement pulled out on my credit card and the following day there was a loan taken out under my account. I myself did not take out this loan or request the cash advancement, so immediately after finding out I went into Navy Federal branch and started a Fraud claim process with them. I got all the help I needed to fill out what was needed and submitted the claim. I was told I would have to wait about 15 business day for the outcome of the claim. As the claim was going through, they removed the loan and reversed the XXXX cash advancement. As the 15 days came closer I realized that the loan and the XXXX was posted on my account again. So I took it upon myself to call Navy Federal and ask what the outcome of the claim was and the lady I spoke with said that my claim was denied. She informed me that I could do an appeal on the claim and sent me the form that I needed to fill out for the appeal. I was heading back home to the states for the holidays at this time, so when I got back to the states I went into a branch and got help with the appeal. The clerk helped me fill out the form and I submitted the appeal along with screenshots of the activity that was happening with my accounts. Whoever applied for this loan and requested the cash advancement, also hacked into my cash app, XXXX XXXX  and XXXX. They used those three applications to transfer the funds to other accounts. The names on those accounts I have never associated with before. I am appalled by the lack of security by Navy Federal, the loan should have never been approved because first there is no hand signature. Anyone can fake a digital signature, and two it should have been an in person process not an online process. I don't believe that Navy Federal did a thorough investigation of the activity. I would like to see all documentation and validation supporting this investigation on my account, in order to validate that my information was not compromised by staff or employees of this financial institute or any affiliated financial institute connected to these transactions. 


In the images attached, as you can see those names and phone numbers can be linked to someone. I don't know who those people are and have never sent money to them ever.
Consumer complaint received 2021-10-01
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: EQUIFAX, INC. (PA)

I asked this company for a investigation on items that was previously disputed I was never provided any results by mail as I asked for in my investigation I attached proof that I asked this company for proof of the outcome of my investigation and it was never received. I consulted a attorney and asked what should I do I was advised to get a police report and ask for a investigation I did that and had yet to here back. I provided this company with police report number and letter that I received from my local police department and a FTC report and my identification card. When I contacted this company to notified them that I sent this certified mail the company denied ever receiving this information so now I'm filing a complaint because this isn't right and other people should know how they are treating people that are regular American citizens that served this country and was robbed my identity from theft and because this company make money off of people having as many account on there credit report good bad or even if they are destroying your life and your financial freedom I will get justice and I will file a law suit pending the outcome of this complaint. Thanks again
Consumer complaint received 2021-10-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (CO)

On XX/XX/XXXX, I went into the company 's website to pay my loans. I had 2 loans for 2 separate properties with them. The system let me make a payment for the property on XXXX XXXX XXXX. The system locked me out of making a payment for the property on XXXX XXXX XXXX. I called on XX/XX/XXXX to find out what had happened and was told that my loan was sold. I was also told that there was a 60 day transfer protection. On XX/XX/XXXX, when making payments on all of my monthly bills, I found out that it was actually the XXXX XXXX property that had the loan sold, not the XXXX property. Furthermore, I found that 1 day after making the payment against XXXX XXXX, the payment was not processed since the loan was sold. However, with the XXXX property, which I was locked out of making a payment against on XX/XX/XXXX, was now showing that I was 30+ days overdue on. After XXXX minutes of explaining this to an online " chat '' agent, I was finally given a customer service number to call, which was the very first thing I requested! As you can imagine, I was XXXX at this point! The first person I spoke to said that since it had been over 30 day since payment was due, it was now reported to the credit bureaus. In addition, it took a total of 3 people to talk to get my payments processed and my account caught up. The online website system wouldn't let me make the needed payments. In total, I have spend 3 plus hours today figuring out that their website originally had the wrong address as being sold and locked me out of making a payment against that account, but did let me make a payment against the property that had the mortgage sold, only to cancel that payment a day later. Now, my credit score, and therefore all access to loans, is going to take a hit with the result being a higher interest rate due to the error on Amerihome 's end! Not happy with this company!!!
Consumer complaint received 2024-05-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY (FL)

My social security check was credited to my checking account and shown as " Available Funds '' on XX/XX/year>. However, when I attempted to make an electronic payment via the Wells Fargo XXXX XXXX system - the payment failed due to insufficient funds in my checking account. This has been a recurring problem with Wells Fargo Bank which remains unresolved to this date despite numerous efforts to explain this issue with bank officials in writing. The Wells Fargo Bank is a member of the Federal Reserves program which requires banks to make funds available " NOW ''. 

To this extent, Wells Fargo Bank should be forced to comply with existing banking rules and regulations for which the Federal Reserve Bank has mandated accordingly. The instant action requires Wells Fargo Bank to make my social security funds immediately available for bill payments.
Consumer complaint received 2021-10-01
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: EQUIFAX, INC. (MO)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2019-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (MS)

Today, I received a notification that a new collection had been added to my credit report. I have just had this collection removed from my credit report under a different company, XXXX XXXX XXXX ( Complaint # XXXX ), and before that from another company, XXXX XXXX XXXX XXXX XXXX ( Complaint # XXXX )! Both of the complaints resulted in a deletion, and I have attached the documentation from the company verifying these deletions. Now, it is showing back up under XXXX XXXX XXXX, even though each time companies report it, they can not verify the information. I will be including XXXX XXXX XXXX in this complaint and a separate one for a debt collection violation.

As for the current situation, 611 ( 5 ) ( b ) ( i ) of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), requires the companies that furnish the data to verify the debt when it is reinserted, which did not happen in either of the previous cases. Likewise, 611 ( 5 ) ( B ) ( ii ) - ( iii ) require the credit reporting agency provide a notice letting me, the consumer, know of this reinsertion. Two other companies have provided letters deleting the debt due to the inability to validate. However, this did not occur in the previous case, and likely is not going to occur now.
Consumer complaint received 2022-05-27
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the EQUIFAX data breach and may have got into the hands of the wrong person ....
Consumer complaint received 2021-10-01
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: Ingo Money, Inc. (GA)

Every check I have submitted to Ingo money it has been declined for one reason or another. Today was the best.

A check from a client, from XXXX with everything printed exactly. They declined saying that the name and needs to be pre-printed on the check. It clearly was. It even has the Code from XXXX on the check. 

They can't seem to approve any check, keep getting Error code ( XXXX ) they can't accept a check that is hand written, they can't accept a personal check, they can't accept corporate checks, they can't accept printed checks with every single detail in order. A total of 4 checks have been submitted from small companies, handwritten, printed and electronic from XXXX and they have all been declined. Obviously, they only accept payroll checks. Well many of us don't work for some corporate entity because we are entrepreneurs. 

This service is horrible. They approve nothing, accept no responsibility.
Consumer complaint received 2021-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (CA)

I Have been diligently contacting Equifax in order to remove a Old Consumer statement from my report Since XX/XX/XXXX for a month now. The Consumer Statement was not made by me and is a result of Identity Theft in the past. All 3 of my Credit Bureaus had Fraud Alerts and Equifax Must Remove this Consumer statement. I have spoken to 3 different managers and 5 customer service representatives In Equifax customer service department and they all say they have removed the Consumer statement and will show as removed on the credit file in 72 Hours and they give a confirmation # but the Consumer statement still remains on my Equifax Credit Report eventhough I have no collections with Equifax and the Consumer statement was not done by me. I need The CFPB to request directly to Equifax that the Consumer Statement be removed Immediately!
Consumer complaint received 2021-10-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Winklevoss Exchange LLC (MD)

XXXX i called this number thinking that they are real GEMINI SUPPPORT. but instead of fixing my problem, they stole all my money. then I checked the internet with their number and i found that they are scamming people with this number. Its my request to FTC to anyhow stop their number as they are running the biggest crypto currency scam.
Consumer complaint received 2023-01-19
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

Portfolio recovery contacts me a minimum of 6 times a day from various numbers but this number at least 3 times a week. Ive asked them to send verification of debt Ive never received anything. Ive asked them to stop calling but it continues. Attempts to block the number they call from spoofed numbers. At this point it is harassment.
Consumer complaint received 2022-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

There were fraudulent items on my report which I have supplied the several police reports for. Since XXXX, XXXX XXXX has placed items on my report that have no belonged to me due to identity theft that has been reported time and time again. These notices were sent to each bureau as well as the agency reporting the information : I, XXXX XXXX XXXX consumer associated with account numbers XXXX ..... 

They have received written notices of billing errors pursuant to 15 U.S. Code 45 1666 ( a ). Pursuant to 12 CFR 1026.13 this is a billing error and requires resolution. All balances are satisfied by the united states 15 U.S. Code 1666d which states that any amount listed on a statement is considered excess of the total balance due When it came to my attention that XXXX  XXXX had been furnishing deceptive forms pursuant to 15 U.S. Code 1692j via mail in the manner of billing statements and related reports to Equifax, XXXX, XXXX, FICO. 
XXXX XXXX has also furnished deceptive forms pursuant to 15 U.S. Code 1692j via mail in the manner of billing statements to my domicile requesting payment of an alleged debt. 
The statements always arrive with a positive balance being reflected on the right side of the ledger, which is a credit balance to myself as the consumer, pursuant to 15 U.S. Code 1666 ( d ). 
The account with XXXX XXXX was opened under a consumer credit transaction utilizing my open-end consumer credit plan. Pursuant to 18 U.S. Code 8 and Public Law 73-10, all debts are the obligations of the United States . 

XXXX XXXX 's furnishing of deceptive billing statement ( s ) is deemed to be racketeering activity in the form of extortion pursuant to 15 U.S. Code 1961. 

XXXX XXXX has never made amends nor has XXXX XXXX provided me non-equitable relief for my current account or new one created. In addition, XXXX  XXXX has not made amends by submitting a complete erasure of all negative marks reported anywhere including but not limited to Equifax, XXXX, XXXX, XXXX, and FICO. 

I have stated all matter should be handled in writing due to the deceptive nature of doing business with XXXX XXXX.
Consumer complaint received 2021-10-02
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have had a XXXX XXXX credit card for at least two years and have used it many times and paid in full. Currently have a XXXX  balance out of a {$1500.00} credit line. I like to use it for the rewards and XXXX gifts. Well, Capital One recently took over XXXX XXXX XXXX accounts. It was formerly XXXX XXXX Once they took over, they sent me the usual notifications letters, terms, as well as a new card. Then, suddenly, on XX/XX/XXXX, I find a " closed account '' and " restricted account '' on my credit bureau and my online account. Unreal, this is the forth time Capital One has closed my account for no reason. I last used the account in XXXX of this year, so I don't buy non use of the account as a justifiable reason. It's useless to call and speak to a rep because they simply say it's their right to close for no reason. Yes, I had a bankruptcy in XXXX when I had a XXXX XXXX XXXX on the job and I needed protection from relentless creditors calling ; all of which when I received my settlement, I voluntarily paid ALL of my debt. Therefore, Capital One was paid in full plus interest. Recently they granted me a credit card, sent it to me, and closed it before I could even activate it. This is ridiculous! U have XXXX  balance on 12 credit card accounts. And two revolving accounts with 0 % interest lawn mowers, otherwise they would be XXXX. I am sick and tired of Capital One destroying my credit. And XXXX XXXX  is one of my favorite stores, now I will not be abled to enjoy the 10 % rewards while shopping there. Capital One needs to be held accountable to a higher force for unjustifiably stripping honest customers of their credit card. Two years ago they closed another account for using it beyond their expectations. What? I bought my son tires for his pick up on credit and immediately paid them off. This company is unfair and needs to be stopped. I would appreciate your help in holding them accountable. As a consumer, my hands are tied. In their lengthy pamphlet they can do whatever they want with no reason. How is this fair?? Thank you. Any help will be appreciated.
Consumer complaint received 2021-10-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (WA)

The US bank employee refused to add my wife to my checking account, she stated I had to make an appointment at a different branch due to them being busy. An employee was on the phone and she wasnt busy. She took a check I wanted to deposit and refused to assist me further. I asked her could she call another bank to see if they had any availability to see me and she stated she could not do that. That isnt true another employee did it at another branch after I left that US bank. She was rude and kind of mean and I thanked her anyway. She was a XXXX XXXX  and seemed very irritated with myself and my wife. I am XXXX and my wife is XXXX. 

The bank is located at XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX and it was approximately XXXX in the afternoon. She advised me to go to another branch to receive service to add my wife to my account. Again no one was in the bank and she refused to service us. We had to go to two more banks before we received service. When we went to the second US the same day - XXXX XXXX ( Client Relationship Consultant ) at US bank located at XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX called the US Bank located at XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX and asked if they could assist us. Her branch was really busy, however she took the time to assist us in finding a branch that could help us. So we drove to the third branch in XXXX to get assistance and they did an excellent job!
Consumer complaint received 2021-10-02
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. (FL)

All 3 major credit bureaus is reporting false information on my credit report for XXXX XXXX XXXX credit card with a {$1000.00} limit. The credit bureaus is reporting that this account was a charge off and it was settles for less than what is owed. This is completely false information.
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CT)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX XXXX Account Number XXXX XXXXXXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-05-27
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)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Transunion was XX/XX/2022, but no response was ever received from them to date.Thus, their action has violated the Fair Credit Reporting Act Section 605B which states that the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : US DEPARTMENT OF EDU XXXX ...., US DEPARTMENT OF EDU XXXX ..., US DEPARTMENT OF EDU XXXX ..., US DEPARTMENT OF EDU XXXX ..., US DEPARTMENT OF EDU XXXX ..., US DEPARTMENT OF EDU XXXX...
Consumer complaint received 2021-10-02
Product: Credit card or prepaid 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: CITIBANK, N.A. (CA)

I used my Citibank Credit card to purchase XXXX XXXX airline ticket. The ticket was given to me through XXXX but the charge on my credit card shows " XXXX XXXX ''. XXXX XXXX cancelled my ticket and had to provide me a full refund. XXXX at first was not giving me a full refund, so i started a dispute with citibank. XXXX after 2 months finally agreed to refund me the full amount upon which i closed the dispute. But after passing of further 2 months XXXX did not refund me the money. I called XXXX XXXX and they said that XXXX has charged the credit card and they will provide the refund. I was surprised to hear this and got suspicious. I tried to call XXXX but there helpline will not let me connect to any help line and says my Itinerary number is not valid. i can not connect with XXXX, so i called the citi disputes center and told them that XXXX confirmed to me that I will get a refund but has not responded. Citi tried to open the dispute again but told me that they can not re-open this dispute. 
Upon calling XXXX XXXX  they say XXXX can help me get the refund. Both XXXX and XXXX XXXX are not helping and Citi dispute team has not helped. As a consumer i have been played and lost my valuable money and time. The winner here are corporate giants XXXX and XXXX XXXX and I can not do much.