davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: FIRST CITIZENS BANCSHARES, INC. (VA)

First Citizens Bank, XXXX, NC. did at XXXX XXXX XX/XX/21 institute a system wide protocol change that eliminated security code access VIA email for account holders. This was done with no advance notice and also done with no cause. Furthermore, FC entered into the respective account holders personal profiles ( in violation of FDIC, federal laws, and FCs own policy ) and changed/ removed personal account holder information. We have this documented with before and after screen shots. We also have this verified through FC personnel ( names on file ) who assisted us in re-entering our locked account. 

It would take over 2 days before FC personnel could provide us access back into our accounts. We held 4 accounts at the time with a combined amount of {$2000.00} - {$10000.00} dollars. 

Then, on XX/XX/21 FC did, without cause, elect to close all of our accounts without cause and provided only a 6 day advance notice before the accounts were taken from our control. One of those accounts handled a monthly SS deposit. The SSA requires 60 day notice to change accounts. So currently we are without that SS support for an unknown period of time. These actions are in violation of Title 63.2 and N.C.G.S. 14-159.12.
Consumer complaint received 2021-03-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Winklevoss Exchange LLC (AR)

I have transferred money to Gemini. ( XXXXXXXX  ) They are holding my funds and are telling me that I can not withdraw them due to an account verification hold. I have submitted the appropriate documentation and followed up with numerous emails to achieve their verification. I have not been able to get any response. I have been waiting for 5 days for verification.
Consumer complaint received 2022-10-31
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. (FL)

The payment history reporting from XXXX XXXX XXXX is incorrect. If the car was repossessed in XXXX, why is it showing late from August 2019-January 2019? It is not possible for this account to late after or to be charged off before repossession. Which shows December 2019-October 2019. 

This is a violation [ 15 U.S.C. 1681 ] ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

I'll like to know why am I am being targeted. I have rights that should be honored. This inaccuracy has caused suffering. There are over 12 payments that are inaccurate.
Consumer complaint received 2021-03-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (MI)

I have been having problems with Santanders USA for awhile now. From missing payments to over charging to not receiving documents to sign at the beginning of the loan. I have sent out and contacted Santander on multiple occasions in regards to this matter. Last one being XX/XX/XXXX by certified mail disputing the account payment history, amount owed as well as the validity of the loan. I sent several emails and called Santander in an effort to get this matter resolved. Around XXXX of XXXX I received a document stating that I was entitled to one or more compensation from Santander due to the lawsuit that was filed by 39 states AG offices. Shortly after that my account was closed. I then contacted Michigans Attorneys Generals office and was told to go to a website that would explain what I was entitled to. According to the website I am entitled to a monetary amount and since my account was closed I was also entitled to Loan forgiveness and Santander was suppose to send me the title to my vehicle, wipe off all negative reporting on all three credit bureaus etc. Once again I reached out to Santanders and was told that my documents I received from the AG office was fake and that there was no settlement reached. Santanders received my certified letter with return receipt requested on XX/XX/XXXX. XX/XX/XXXX they had my vehicle repossessed. I received nothing back from Santander regarding the certified dispute letter sent to them. This company has violated my rights on more than one occasion and have not been held accountable nor responsible for any of there illegal acts. Pursuant to the lawsuit that was filed by 34 Attorney Generals Santander is not suppose to be repossessing any vehicle involved with this lawsuit. Santanders need to be held accountable for their actions on all fronts. By repossessing my vehicle without settling the dispute is a violation of the consumers rights as well as them not honor the settlement agreement they made with the 34 states. See Santanders lawsuit.
Consumer complaint received 2021-03-21
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: EQUIFAX, INC. (FL)

I was a few days late with credit card payment due to an over site, credit card company notified me and I immediately made the payment triple of what to be made. I have a perfect payment history always paying early and much more than required. I was notified by XXXX XXXX that XXXX lowered my credit limit because of this over site do to illness in the family possibly XXXX or XXXX. This is absolutely ridiculous due to perfect payment history with this company. Upon notice of this credit limit change I paid credit card in full. This type of nonsense is intolerable and disrupts peoples credit. I called XXXX XXXX and was told that XXXX makes these decisions. This has got to stop, it is hurting too many people during this pandemic.
Consumer complaint received 2022-01-04
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I XXXX XXXX a consumer protected under the federal law has been violated. 
Transunion, XXXX, and XXXX have all deleted a XXXX XXXX bankruptcy from my consumer report and reinserted it back under a different reference number. That is a direct violation to the US Code 15 USC 1681i ( 5 ) B ( i ) and 15 USC 1681i ( 5 ) B ( ii ). That is a direct violation of the federal law, nobody every sent me any documentation of the reinsertion. I have the paper work from the Courts that says the dont furnish bankruptcies anyhow.
Consumer complaint received 2021-03-20
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (WA)

Avenue, XXXX, XXXX XXXX Wayfair Comenity accounts were all reported late to credit bureaus while enrolled in Comenity 's hardship program beginning XX/XX/XXXX. I enrolled in their program because of financial hardship due to a family death & lay off. Prior to this all payments were made onetime across all 4 Comenity accounts. 

My account was enrolled through XX/XX/XXXX, & autopay changed to new due dates on the XXXX & XXXX. 

In XX/XX/XXXX I received a message my account ( s ) was past due. When I called, I learned since completing the program, my due date ( s ) reverted back to the original due dates & Auto pay canceled. 

I contacted customer service on numerous occasions & was hung up on from representatives, & blind transferred back to their automated system without warning. I escalated to a supervisor ( XXXX ) & learned that I would need to reenroll each account in Autopay, and the XXXX & XXXX dates weren't permanent due date. I was also advised my account ( s ) were reported late despite auto pay on the new due dates payment. While the payments were received on time during the Program, their system reflected the full minimum payment & not the reduced amount under the program. I was told to dispute the late pays. 

When my credit bureau disputes came back verified/unchanged, I called to request correction & confirm if any payment history had been corrected. 

I was advised that their systems will not show account details from the hardship program in XXXX & would need to send an email to update each of the account ( s ). In addition to all 4 of my accounts reporting late for multiple months despite receiving written communication from Comenity that I successfully completed the program by making all payments on time, my credit limits were all reduced, & 1 account closed. 

I am in the process of buying my first home, & Comenity has ruined my payment history. Automated & electronic messages assuring commitment to help their cardholders during the pandemic & have been unable to resolve my request with representatives by phone, email, letters, & credit bureau disputes.
Consumer complaint received 2023-09-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (VA)

On XXXX of XX/XX/2023 I saw an email from Wells Fargo bank saying that there has been an attempt on the XXXX of XXXX to withdraw money from my checking account using my debit card in the amount of {$5000.00} at XXXX XXXX but the e-mail said that the transaction had been declined I look it at my account online and discovered that there was also a {$2000.00} purchase made in California on the same day. I immediately called the fraud department of the Wells Fargo and they told me the account would be locked up. The next morning I went to a Wells Fargo branch and file a formal written complaint about my card being used for an unauthorized withdraw of {$5000.00} and a purchase of {$2000.00} after a few days we called the fraud claim department and they informing me that my claim had been denied so then Ive added more documentation and information to open an appeal. About a week and a half later they informed me that they had declined the claim. While I was in the branch office, they asked me about a phone number that had been utilized to make a transfer on my account and I told them I did not recognize the number they also issued me a new debit card on the date I did the formal complaint.
Consumer complaint received 2021-03-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (PA)

Yesterday, I contacted y'all support number to not link my bank account to the XXXX XXXX oXXXX XXXX or XXXX XXXX or XXXX XXXX for cash. It says this internal error occurred. We have been notified about the problem, and for XXXX play, it says this An unexpected error has occurred. Please try again later. [ XXXX ] and XXXX says Something went wrong We couldn't link your bank. Try again later, and I can't connect it to any other apps too. I contacted y'all support team, and they told me nothing is wrong with my account, but my other family can link their bank account to their apps ; please help me fix my issues.
Consumer complaint received 2021-03-21
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: Fidelity National Information Services, Inc. (FNIS) (NE)

I, XXXX, a federally protected consumer has been abused during this unfortunate time of the pandemic by Chex Systems Credit Reporting Agency. Chex System has repeatedly tarnished my name and destroyed my reputation over and over again. I have attached exhibit A green return receipt showing that I have tried to resolve this matter with them. According to 15 USC 1681 ( a ) ( d ) ( 2 ) ( a ) ( i ) a consumer credit report shall not include transactions or experiences between consumers and furnishers. Chex System has quite a few transactions between myself and different furnishers clearly violating this federal law and destroying my family. The Federal Credit Reporting Act was put in place because the banking system is depending on fair and accurate credit reporting. Chex System has breached my privacy by sharing unfair and inequitable information about me to different companies without my written consent pursuant to 15 USC 1681b. I am seeking justice and my remedy to be answered and acted upon accordingly with my direction. This is a warning.
Consumer complaint received 2017-05-06
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (MA)

Navient  will not allow me to even research income-driven repayment plans through their website. When I navigate to the page, it claims I have past due loans and instructs me to call them : however my federal loans are NOT past due. They are deliberately inhibiting me from being informed about my options. Furthermore they are conflating responsibility of federal and private loans : if I do in fact have private loans that are past due, they should not prevent me from receiving information about my federal loans.     I want to remove my federal loans from Navient and service them through someone else.
Consumer complaint received 2021-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

Im submitting this complaint against XXXX Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Consumer complaint received 2021-12-20
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2021-03-20
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Source Receivables Management LLC (IL)

SOURCE RECEIVABLES MANAGEMENT is a fraudulent collection agency that is attempting to collect a debt from me which I do not owe. I have a XXXX account which was confirmed to be fraudulent and was removed from my credit report for year. This collection agency is attempting to collect a debt in which I do not owe. I asked them for an email address so I can send proof but they don't own an email address for me to send documents.
Consumer complaint received 2021-03-21
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. (MD)

Im submitting this complaint against XXXX, Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Consumer complaint received 2021-03-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

On XX/XX/2021, I mailed a letter about inaccurate accounts showing on my credit report and asked for an investigation. It has been 2 months and I still haven't received results of an investigation and these unverified accounts are still showing on my credit report.
Consumer complaint received 2021-03-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (TX)

On XX/XX/21 I made 2 principal payments XXXX and XXXX in order to pay off the note. I was contacted by MR Cooper ( XXXX XXXX ) that I can not pay of the note this was and that the payment would be held against escrow ( which I do not have an escrow account with them ) She told me to do a web payoff request and wire transfer the monies to Mr. Cooper. I did this on XX/XX/21 in the amount of XXXX. I have screen shots of the web site and a copy of a letter of congratulations letter from Mr. Cooper dated XX/XX/21. after a couple weeks with no communication, I contacted Mr. Cooper to inquire as to the time for lien release via web site correspondence ( I have screen shots of this ) and they said about 60 days was required. I received 2 phone calls from XXXX XXXX from Mr. Cooper XXXX & XX/XX/21 voice messages claiming a stop payment of the payoff from XXXX XXXX XXXX. The money was sent via wire transfer and IS NOT STOPPABLE!!!! I have been in contact or attempted contact with many " coopers '' including multiple times with managers " XXXX '' and XXXX XXXX and several other employees including XXXX XXXX who had a payoff quote that was for XXXX that included more fees and interest on a note I had actually paid off, including a notation of an unapplied credit of XXXX. Mr. Cooper had sent me a check for XXXX dated XX/XX/21, which I was told by XXXX XXXX to cash. I attempted to do so on XX/XX/21 and Mr. Cooper had issued a stop payment! As of XX/XX/21, Mr. Cooper will not take any of my calls, will not answer e-mails and they will not give me contact information for the payment center in XXXX XXXX. It has been 6 weeks since I paid this loan off and we have received nothing but another payment do notice! I have spent many hours trying to rectify this situation but it seems that Mr. Cooper will not correct the accounting that I have requested for weeks and will not allow me to pay off my mortgage! I am seeking legal console next week as well as Mr. cooper seems content to ignore my pleas and continue to charge me fee and interest on a note I paid off 6 weeks ago. I am exasperated and I am in need of help from someone with the clout to make them at least fix THEIR XXXX and let me part ways with their sorry company! I am hoping there is an upload to come so I can give you copies of my corroborating correspondence. PLEASE HELP! XXXX XXXX XXXX
Consumer complaint received 2017-05-07
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AK)

I received a phone call from a company called   XXXX   XXXX   XXXX   XXXX  . They knew some of my sensitive info, i.e. Social security number, addresses etc. They threatened that court charges would be filed against me if I do n't pay them within a month. Seemed rather odd so I looked up the phone number and read that it 's been reported as a scam. Just thought I 'd report it l.   Here 's their phone numbers :  XXXX   XXXX  Here 's a link to their website as well :   XXXX   XXXX   XXXX
Consumer complaint received 2021-03-20
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

XXXX account was paid after it was sent into collections-Paid/Closed. 
XXXX keeps reporting I owe them I called XXXX to get my settlement letter and last payment to submit to XXXX and they wont provide the payment statements.
Consumer complaint received 2018-06-13
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AmeriFirst Financial Corporation (OH)

In XX/XX/2018 I began working with a loan officer to help repair my credit and prepare me to buy my house from my ex husband after our divorce. The loan officer gave me very specific instruction on how to obtain a loan with a gift of equity from my ex husband, had me borrow money from family members to pay off certain debts and instructed me to not make application for the loan until after the divorce went through. I followed his instructions to the letter and when I returned to apply, I was not able to use the loan we planned out because me ex husband could not give me a gift of equity. Not only that, but the loan officer then explained he could not help me at all because he didnt originally understand the rules around that product despite giving me financial and life advice to obtain it. I was forced to sell the home with my ex husband and split the profit, which has left me homeless and struggling to prepare for another loan while I take care of my children and work. If a loan officer is unprepared to instruct a client on loan products, then they have no business doing that job. I relied on his advice and I am in a massively difficult situation as a direct result. The loan officer mentioned above is named XXXX XXXX and works for AmeriFirst Corporation out of XXXX XXXX, OH.