davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I had a issue with capital one buy power card few months about me paying my card off every month and I was charged interest even though I paid my card off every month. At the time I called they dispute the charge because it was there mistake, now it was done again after I paid my card off before the due date. Capital one is stealing money from me and cant even explain the issue on why. Everyone I called did nothing after I was charged for interest for no reason whey card is paid off every before the due date. This is out of control.i was charge {$8.00}, the charge is not the issue, the issue is your stealing form customers after they pay off their debt before the due date.
Consumer complaint received 2020-03-17
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. (OK)

Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU DEPT OF ED/XXXX  US DEPT ED DEPTEDXXXX XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU DEPT OF ED/XXXX US DEPT ED DEPTEDXXXX XXXX  XXXX XXXX. XXXX   XXXX XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU DEPT OF ED/XXXX US DEPT ED DEPTEDXXXX
Consumer complaint received 2024-04-12
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC (GA)

The name of the company is Gemini Exchange and Trade. I sent a wire transfer of {$5000.00} into an account with Gemini on XX/XX/year> and I transferred another {$1500.00} from another account. I have been trying to withdraw my funds from their exchange for 12 days and they will not release them. I have sent back every request they have asked for 5 times to prove my identity and they tell me that it is not satisfactory and I don't know what else to do. They are holding my funds for no good reason I think this may be fraud. I can supply Emails of what they asked for and what I sent but it is identity-proof information
Consumer complaint received 2024-04-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (IL)

I am writing to bring to your attention a critical issue that our company has been facing regarding our business checking account and payroll wire transfers, specifically in conjunction with XXXX, our trusted payroll services provider. Our company has been a valued customer of Wells Fargo for several years, relying on your services for our banking needs, including processing weekly payroll payments exceeding {$150000.00}. 

Regrettably, over the past two months, we have encountered significant challenges with our payroll wire transfers that have caused severe disruptions to our operations. On two separate occasions, XX/XX/year>, and XX/XX/year>, our business checking account was debited for the intended wire transfer to our payroll services company. However, without any prior notification or explanation, these transfers were inexplicably halted due to audits initiated by your compliance team. 

What is particularly concerning is that neither the compliance team nor any representative from Wells Fargo reached out to our company to inform us of these audits or the reasons behind them. Consequently, our employees have experienced delays in receiving their pay, leading to frustration and unnecessary inquiries from our end. 

Despite promptly providing the requested information for compliance purposes, including primary account Full member Name, date of birth, full address, and other details, on XX/XX/year>, we have yet to receive a satisfactory resolution to this matter. It is important to note that this information is readily available to any Wells Fargo employee and does not deviate from standard protocol. 

Despite our numerous attempts to escalate the issue and seek updates from your wire transfer team, we have been met with a disheartening silence, receiving no indication that the situation is being addressed with the urgency it unequivocally demands. This lack of communication and accountability is wholly unacceptable, especially considering the significant financial implications and the profound impact on our employees ' livelihoods. 

We urgently implore your immediate intervention to resolve this matter and provide us with a transparent explanation for the repeated audits on our payroll wire transfers. Furthermore, we seek concrete assurances that measures will be promptly implemented to prevent such disruptions in the future, coupled with improvements to communication protocols to ensure that we are promptly informed of any issues affecting our account. 

Failure to promptly and effectively address this issue will regrettably compel us to reassess our banking relationship with Wells Fargo and explore alternative banking solutions that can offer the reliability and efficiency we demand for our payroll processing. 

We earnestly appreciate your urgent attention to this matter and anticipate a swift and satisfactory resolution.
Consumer complaint received 2021-04-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CITIBANK, N.A. (AR)

I tried to send them a letter last XXXX asking for a copy of a signed contract bearing my signature, a copy of the payment statements of this account from which CBNA is reporting to the credit reporting agency. I am asking for proof that I was late on payment because they are reporting erroneous inconsistent account information. Tracking number : XXXX I never received a response from them and they did not update the credit report as disputed. 

CBNA is violating the FCRA for reporting this account with inconsistent and inaccurate information that I disputed which they then did not update to the credit reporting agencies as " disputed '' and continues to report inconsistent account information which is in direct violation of the FCRA.
Consumer complaint received 2022-03-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Neon Newco Corporation (CA)

On XX/XX/23 my bank allowed XXXX transactions for the same amount and to the same place. Totaling {$1900.00} after the investigation they refunded me back XXXX transactions totaling {$720.00} the rest they said we're done by me. Which shows the level of incompetence. Reason 1 was because I shopped there before which is a lie. I never have. Reason 2 something about not changing my pin number. It says on the transaction debit used no pin so it makes no sense. I tried and tried to reach someone for at least a better explanation to no evail. Customer service isn't advance to explain things. It's been 3 months and I got no reasonable explanation. Also if I committed fraud why refund XXXX oh the transactions at all. Please help it's a lot of money they want to steal from me. Thank you
Consumer complaint received 2021-04-20
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: LoanCare, LLC (WA)

I applied for a forbearance plan XXXX of 2020 under the Cares act due to the Covid-19 pandemic. In XXXX, I notified my mortgage company i was ready to resume payments. The sent me the Documents on XX/XX/XXXX, they were received back XX/XX/XXXX. I resumed making payments in XXXX, I was not allowed to make payments online so every month I had to call, and sit on hold for a least 20 minutes at a time just to make a payment. In XXXX, Loancare started reporting me as delinquent, I disputed this in XXXX and the late payments were removed. keep in mind, they still had not finalized my paperwork or forbearance. In XXXX, finally, my forbearance was processed and i was allowed to resume making payments online, no more sitting on hold. Unfortunately, they also reported me as being delinquent for 11 months, again ... I disputed it with them again, and today received a letter from them claiming that the reporting is accurate. Mine and my husband credit reports are now reflecting 11 late payments from Loancare that were covered under the Cares Act. I am asking for help to have them removed.
Consumer complaint received 2020-03-29
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I've recently disputed on my old XXXX XXXX XXXX account on XX/XX/2020 XX/XX/2020 and XX/XX/2020 and the account has not been proven to be accurately verified on all three of my credit report 's from XXXX XXXX and Equifax. This account is asking for {$280.00} but wont show proof of the account being accuarte after I've constantly have been attempting to receive accurate information.
Consumer complaint received 2020-03-17
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Bread Financial Holdings, Inc. (FL)

The Smile Generation division of Comenity Capital Bank has repeatedly assessed late fees to my account for payments that were processed thru my bank a week in advance of the due date. They have twice processed the payments they received well before the due date on the day FOLLOWING in order to assess late fees and collect additional interest. 
Additionally they prevent the customer from setting up more than ONE payment at a time on their own site and black out the ability to PREPAY several month 's payments in advance, even though the same processor allows multiple payments to be processed for XXXX XXXX XXXX for which Comenity Bank is also the processor. 
This is a bait and switch where none of these limitations and additional fees are explained at the time I was solicited by my XXXX   to obtain the account.
Consumer complaint received 2021-04-20
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: Experian Information Solutions Inc. (FL)

There are three accounts on my credit that do not belong to me I need these off my credit report I have a notarized affidavit with an FTC regarding this and I have been disputing these accounts since XX/XX/2020 I just dont understand why the bureaus are not answering back or helping me out regarding this matter I am getting frustrated XXXX XXXX XXXX - XXXX XXXX XXXX
Consumer complaint received 2020-03-17
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC (TX)

Notified of foreclosue sell to be held on XX/XX/XXXX XXXX County Borrower was about to default with only {$39000.00} balance causing them to be homeless I provided the past due payments along with attorney 's fees to reinstate loan Borrower povided Selene with my name to have authority over loan and requested assumption forms on XX/XX/XXXX. 
Borrower provided Selen Finance Third Party Authorization on XX/XX/XXXX submitted online I called today XX/XX/XXXX to inquire about assumption but was told they could not speak with me. 
I called again on XX/XX/XXXX at XXXX XXXX  to speak to supervisor of phone calls XXXX and had to leave a message XXXX Audit determined Selene was deficient with communication and I concur in XXXX they are deficient since the phone service can't remedy problems Barriers are placed on Borrower by Selene Finance who establishes the company as providing creative loan resolution strategies to preserve ownership No electronic mortgage forms to apply for assumption No electronic forms to view the terms of the loan No mortgage calculator to determine extra payments and how to reduce interest My experience is that this company is not reducing home loss.Due to my intervention, the loan was reinstated and foreclousre ceased. But I need a remedy to continue payments at a lower interest rate so the principal can be paid faster. 
Selene is not transparent and to date on web site interst paid on loan is not shared. The balance is XXXX. I believe they have profitted enough on the marginalized.
Consumer complaint received 2021-04-20
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (OK)

I noticed on my credit report that my card with Citibank ( Home Depot ) had been reduced from {$50000.00} to {$2500.00} on XX/XX/2021. I called the card that day at XXXX and spoke with a representative in Customer Service to find out why it had been reduced and to find out when the adverse action letter would arrive so I could see their reasoning. She told me that it was an issue of inactivity and that the letter had been sent on XX/XX/2021 and would arrive in 5 to 7 business days. 

I gave it longer than that to arrive and when it did not arrive, I called again on XX/XX/2021 at XXXX and spoke with Customer Service again and asked why the letter hadn't arrived and if it had been sent out. The representative said it had been sent out on XX/XX/2021 and that I should see it in 7 to 10 business days. When I pointed out the day we were speaking on was the XXXX business day and if I could have a copied emailed to me, she had me wait and transferred me to the Credit Department. 

Their I spoke with a gentleman who checked the account and at first said it had been sent and that it would arrive in 7 to 10 business days. When I pointed out the date, he then checked again and said that one had not been sent out and that it would not be sent out because the decision didn't have to do with my credit worthiness. When I pointed out that not only was I long time customer in good standing but that their decision had damaged my credit score and then asked who I could appeal to, he said there was no appeal and that my only option was to let them pull my credit again, thus damaging it more with an inquiry. I also asked if they had sent out any notice that they would be reducing my limit due to inactivity and he said that no, they did not do that, that it was simply in the terms.
Consumer complaint received 2022-03-25
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: SECURITY FINANCE CORP (NM)

I made a loan with XXXX XXXX here in XXXX, XXXX XXXX from their office on XXXX XXXX, XXXX. I paid the loan off a month ahead of time ; I was informed by a young lady that the company owed me some money-when I asked how much-the amt was {$500.00} dollars-after receiving this check which I deposited to my credit union acct-I was contacted by the company about how would I like to start paying on my new loan! I subsequently filed a complaint with the XXXX XXXX XXXX XXXX XXXX XXXXThee XXXX  never told me what the status of my complaint was nor did Security Finance send me any documentation as to any steps there were to RESOLVE this matter plus I informed the XXXX  and the company that based on information sent to me that I was was being mixed up with another person with the same name and obviously another present customer. This presented evidence from the company and to the XXXX  meant nothing and now the company is showing " retaliation '' to me by giving a negative credit report. The complaints listed on the XXXX  website concerning this company is " XXXX  ''. Therefore I am filing this complaint against the Security Finance Company concerning its " office her in XXXX, XXXX XXXX
Consumer complaint received 2020-03-17
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (OH)

President Trump has DECLARED A STATE OF EMERGENCY AND THERE HAS BEEN SEVERAL STATES THAT HAVE BEEN DECLARED AS AN EMERGENCY AS WELL INLCLUDING MY STATE. I keep getting calls from Navient that I have to repay my student loans despite the Coronavirus Outbreak. The news has been saying that there have been people who have died from this virus and the number of people increase in our nation have been getting this virus. With people dying and losing their jobs along with containing the spread, Navient still insists that I pay these loans otherwise they will take me to court. This is not only unprofessional, but it is highly unethical as my family and I try to survive while not getting this virus.
Consumer complaint received 2022-03-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (MO)

I've been scammed by a fake online company " XXXX '' who offered drop-shipping service. I've disputed this information with numerous evidence & correspondence from previous dates it occurred. CHIME did not reward me in the dispute at the end of their investigation. Although the bank has failed to follow the Uniform Commercial Code. I've lost about {$30000.00} USD in the process.
Consumer complaint received 2020-03-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: LJ Ross Associates (MI)

XXXX XXXX

turned a bill over to LJ Ross Collection Agency. I never received any written communic ation via email or USPS. They have the bill at {$510.00}. They could not tell me the time frame that this money covered. I am not paying the Landlords bill if the coverage period is after we moved. I want this collection removed from my report and the opportunity to research resolve and pay the debt.
Consumer complaint received 2020-03-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (CO)

My loan number is XXXX with USBANK. Im filing a complaint because my loan modification was turned down due to obligations in excess of 31 % of my income. I asked them to take into account that if I got my house back I would no longer have to pay rent and utilities. They compiled their numbers using a mortgage payment and my rent payment. My rent payment would go away. 

Im also asking you to investigate possible predatory lending situation. I only owe XXXX on my mortgage yet my house is worth XXXX. There is XXXX in value there. They dont want to approve my modification because they know they will get all of their money back out of my house. If I was severely upside down on my mortgage Im sure I would have been handled differently. If they knew they were going to lose a lot of money on the foreclosure. 

Im asking for some type of help because I was hired at a job then let go because of some serious medical conditions. I was unemployed for about a year while I dealt with these medical conditions. I am happy to report that my medical condition is being managed now with the help of many doctors. I found a new job in XXXX. I am more than capable of handling the mortgage at this point. 

Please help me to save my home against these sharks called USBANK. Thank you
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (CA)

About XXXX months ago ( XX/XX/XXXX ), I was started the process of trying to obtain a loan. Because of Wells Fargo, I'm still in that process and have not been able to secure this loan.

The reason my loan is taking so long is because I have two 30 day lates on my credit from a Wells Fargo credit card that I've had in my name for over 10 years. These allegedly occurred in XX/XX/XXXX and XX/XX/XXXX, while the world was in the midst of the pandemic. I was never notified of these lates and to my knowledge have always paid my credit card on time. 

Over the last XXXX months, I've tried all the normal avenues to get this incorrect payment reporting rectified. I've called Wells Fargo probably 5 to 10 times and repeatedly was assured they would correct the 30-day late reporting. On multiple occasions, they told me that the reporting was corrected and to just wait for the next credit bureau reporting cycle, which can take 30 days. I've waited twice for that to happen and still nothing has been fixed.

I've also reached out to the credit bureaus a handful of times and filed countless disputes to no avail. 

I'm simply trying to get these two incorrect 30-day late payments ( from XX/XX/XXXX and XX/XX/XXXX ) removed from my credit. 

I'm currently XXXX  and this incorrect information from Wells Fargo is causing me undue stress during my XXXX, not to mention completely delaying me from obtaining my necessary loan for almost a year. I've experienced stress that has both directly impacted my XXXX and my financial situation and I just want Wells Fargo to correct this.