davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION (FL)

I opened a checking account XX/XX/2020 with a large sum of money at a SunTrust bank in XXXX XXXX, Fl.for the closing on some property. On XX/XX/2020 received letter from SunTrust bank saying funds would be available XX/XX/2020. Two days later I went online to see if funds were in account and access was restricted, called the number that was listed to call and account was closed. No explanation was ever given as to why as of this date after calling and getting no where. Still haven't gotten my money back and they give me a different excuse each phone call. That is my money not theirs to sit on and make money. I am not the first to file complaints about this bank because they have done to numerous other people. You have to make people aware of this bank. I want my money.
Consumer complaint received 2024-04-05
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Rosebud Economic Development Corporation (CA)

I took out a *very* small loan from this company to help me pay bills during a XXXX of financial hardship. I intended to pay the loan back in full within a XXXX  or XXXX, but its been XXXX  months. The XXXX was extremely predatory and the way they give you access, or dont give access, to your account with them is extremely suspicious. Had I known upfront that I would not be able to manage the loan payments online with this company, that would have been a red flag for me. There is no way to reschedule a payment or change payment methods without contacting their customer support team. I have also, within the past XXXX  months experienced inconsistencies with being able to even login to my account. Just today, XX/XX/XXXX of XXXX, I logged into my account successfully at about XXXX XXXX. I was then able to access the chat support feature and did speak to someone about turning off XXXX. Their agent did supposedly do this ( I received a confirmation email ), but immediately upon doing this, I was logged out. I tried to log back in, but it claimed that the same credentials I used just XXXX  ago were incorrect. I experienced similar inaccessibility about a XXXX ago ; I was unable to log in to my account and thought maybe the password I had saved was incorrect, so I requested to change it. It took over XXXX hours to get an email to change my password and the link to do so did not even work. Ideally, to resolve this, Id like to refinance the loan. The interest is so high that it makes it impossible to get ahead of it and get myself into a position where I can pay off the principal in full. I also think that this company, is generally predatory in the way that they restrict access to the customer managing the loan themselves without the companys assistance and how they also seem to turn off your ability to even access your account altogether.
Consumer complaint received 2023-07-28
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. (DC)

This is my several request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or signed any agreement and contract. The items I'm complaining have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following listed items below : XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MD XXXX, XXXXXXXX XXXX XXXXXXXX Balance : {$10000.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX : {$0.00}, XXXX XXXX XXXX
Consumer complaint received 2018-06-27
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I ask you to do an investigation to the Experian credit company, I have been disputing the erroneous information that they are publicly exposing in a credit report for more than a year, and previously you asked them to demonstrate the reason for this information and they have not presented any legal document that supports this erroneous information. 

I have not authorized this company to disseminate, expose, publish or give my information to anyone, there is no legal document that I have signed between them and myself, so I do not see why they can disseminate my personal wrong information where my record, reputation and prestige are damaged, where there is a law that a company can manipulate personal information for profit to increase sales and credit interests for the economic benefit of others, this is unjustifiable, abusive and illegal, so I demand that this dispute for account information from XXXX " XXXX '' # XXXX, be removed from the negative record and, I've never had a delay or ever stop paying there is no reason to have it in collection and delinquency. 

Experian has never presented me with any document or proof, name, address, and telephone number of each person contacted regarding this alleged account. Have an information inaccurate or incomplete items in a credit history have serious consequences. 
I am presented for more than a year the original documents of the company involved in the problem where it says explicitly that I have no debts and that my account was paid in full, and that I have no debt.
Consumer complaint received 2020-02-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BMW Financial Services NA, LLC (WA)

On XX/XX/XXXX there was a {$750.00} emergency cash advance using my CC out of XXXX Florida. I live in XXXX ( XXXX ) Washington. I did not make this charge. Ive never even been to Florida. 

I disputed the charge with my CC company ( BMW Card Services ) ( BMW Bank of North America XXXX theyve denied my dispute Twice. Ive spent approximately 20 hours over the phone, Ive written letters and now have a Attorney who also has written a letter.

Should shouldnt be able to happen. Hope you can help.
Consumer complaint received 2020-02-26
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. (AR)

I received a call from a student loan company asking me about loans that I have never applied for. I immediately registered to XXXX  XXXX to check my credit report. I found student loans and other accounts that do not belong to me. These accounts need to be deleted from my report. These accounts are fraudulent and are not mine. 

XXXX XXXX XXXX {$1500.00} DPT ED/XXXX XXXX {$1700.00} XXXX XXXX {$430.00} XXXX XXXX XXXX XXXX {$680.00} XXXX XXXX XXXX {$750.00} XXXX XXXX  XXXX {$0.00} XXXX  XXXX {$7900.00} XXXX XXXX XXXX XXXX {$0.00}
Consumer complaint received 2022-08-26
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: Experian Information Solutions Inc. (PA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2020-02-26
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. (FL)

I HAVE NO RELATION WITH THE ACCOUNT DISPUTED, THIS ACCOUNT HAS BEEN REPORTING NACCURATELY ON MY CREDIT AND SINCE THEN BEEN DAMAGING MY CREDIT HISTORY AND SCORE. PLEASE INVESTIGATE THIS MATTER AND HAVE THIS DEROGATORY ACCOUNT OFF MY CREDIT FILE.
Consumer complaint received 2015-06-22
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: NAVY FEDERAL CREDIT UNION (MS)

my money went to an account at the navy federal credit union on XXXX XXXX 2015 without my knowledge from a tax service called XXXX XXXX XXXX my refund was supposed to come by mail but XXXX XXXX XXXX stole the money i contacted their bank to let them know about the fraud on XXXX XXXX they assured me my money was in that account and was awared of the fraudrulant that XXXX service put my check into that account i was corresponding with the bank up until XXXX XXXX 2015 and i went to the brach in XXXX mississippi and sat there and they pull up the account and seen again tht my check was in the account and they told me the aacount was frozen and that they would send the check back to the I.R.S because they could not issue the check to me they also said that XXXX XXXX XXXX could not touch the money the bank had me to go back to the I.R.S to get a form XXXX for the I.R.S to sign i did that and the navy federal fax the letter to their sercurity department i also have a copy of the letter so on XXXX XXXX the IRS sent me and the navy federal bank a letter of trace for the funds the navy federal bank has in that account i called the bank and ask have they recieved the letter they said yes and i ask the bank when will they send the check to the IRS. the bank told me their is no money in the account to send to the IRS i told the bank that is impossible because the money was in the account XXXX XXXX 2015 when i went to the branch in mississippi and when i was told the account was frozen because they was investigating that account they also told me that the IRS took to long to send them what they needed this bank has been rude to me about my money and also its a back and fourth situation with that bank and their security department i talk to my bank about my rights and the precedure of how navy federal credit union should have follow the precedures in handling this probelm they should have sent the check back 7 days prior to me calling on XXXX XXXX 2015 when i made brought it to their attention and they gave me a call today XXXX XXXX 2015 to dicuss the probelm i told the young lady everything that happen and she got back with me and told me she can not dicuss the matter with me anymore she gave me a number to get in touch with the IRS advocate so i ask her for what their bank has my money they wont give it back and i want some anwers because i have documents that they ask me for in the beginning and they had a nerve to say its a civil matter and thats not true because like i said this probelm was going on for almost 3months the IRS said the bank supposed to send them the check back it should not have went this far and also they said that XXXX XXXX XXXX on XXXX XXXX 2015 could not touch my money so where is the XXXX that they promised me i would get bank i need help with this probelm i even talk to the bank manager and he was rude also i want to go all the way to the head command they wont answermy questions anymore
Consumer complaint received 2020-02-26
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. (FL)

I HAVE NO RELATION WITH THE ACCOUNT DISPUTED, THIS ACCOUNT HAS BEEN REPORTING NACCURATELY ON MY CREDIT AND SINCE THEN BEEN DAMAGING MY CREDIT HISTORY AND SCORE. PLEASE INVESTIGATE THIS MATTER AND HAVE THIS DEROGATORY ACCOUNT OFF MY CREDIT FILE.
Consumer complaint received 2019-07-29
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: JPMORGAN CHASE & CO. (NY)

I was a victim of fraud and I informed my credit card company of the fraudulent charge made on my account XXXX   months ago. I then petitioned them for a full refund after said investigation providing them a copy of the police report in which the whole case is laid out. After providing them with everything they requested they refused to investigate and remove the fraudulent charges from my account. This has impacted my credit score greatly and my ability to pay my bills.
Consumer complaint received 2023-06-25
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 HOLDINGS USA, INC. (DE)

I am writing you this statement to delete the following information on my credit report. The items I need deleted are listed in the report. I am a victim of identity thief and I demand that you remove these errors to correct my report immediately. I have reported this to the federal trade commission and have attached the federal trade commission affidavit. Now that I have given you the following information, please correct my credit report or I shall proceed with involving my attorney! Someone used my information to purchase a vehicle and credit card in my name and I need the following removed from my credit report that's listed in the report.
Consumer complaint received 2019-11-13
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. (UT)

XXXX  ; Experian and XXXX are reporting incorrectly the coding on the XXXX XXXX  account number XXXX. ( Please see page attached from my credit report ) The coding on this item is incorrect and stuck in past due status. It is a violation of the Fair Credit Reporting Act and is mandated to be corrected or completely deleted from my credit report. This inaccurate reporting is seriously harming my credit score. I have contacted the ( 3 ) bureaus to resolve this however, I have not been successful.
Consumer complaint received 2024-04-04
Product: Vehicle loan or lease — Lease
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Westlake Services, LLC (GA)

Westlake Financial Company that has an address in California started off with love but when it was hard at times, such as this one, with the verbal exchange between myself and the company, its really difficult for them to compromise and be lenient for me. I was recently sent a letter stating that it would be sold on a specific date and time during this month of XXXX after explaining to a representative over the phone about starting a new job, which was personally a decrease in finances. Therefore, I consider it a life changing circumstance and have since wrote a letter of my intentions of receiving the title with the vehicle still in my name and possession.
Consumer complaint received 2021-07-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (VA)

On XX/XX/2021, I went to the Wells Fargo Branch in XXXX XXXX XXXX on XXXX XXXX in XXXX Virginia around XXXX XXXX  to make a deposit at the drive through window. I had 3 checks 2 for {$450.00} and 1 for {$270.00}. This totaled {$1100.00}. I was informed by the teller at cash box 10 that the system was down and my funds would be availble on the next business day which was XX/XX/2021. On XX/XX/XXXX, I checked my account and determined the funds were not available, I then went to the branch and spoke with the Service Manager by the name of XXXX and was informed that all checks were sent by a carrier on XX/XX/2021, and they had to be manully posted. XXXX then informed me the funds would be available on either late Friday or early Saturday. Checking my account on Saturday the funds were not available again. I also contacted Wells Fargo Advocay Group filed a case and I never heard from anyone in their office. Long story short I contacted my investment compant they stopped payment on the checks and resent new checks. Finally Wells Fargo put the funds in my account on XXXX XX/XX/2021, after the funds were stopped. They charged a fee and I was very upset that I never heard from anyone during this ordeal. Wells Fargo said they would backdate the checks to the date they should have posted which did not sound appropriate. I am sure other people were impacted however ; it should not have taken Wells Fargo almost a week to resolve this issue and it is unaccpetable. Wells must review their process so that in the future if this same issue occurs impacting customers, it should not take a week to resolve. Temporary credit should have been given to customers while the issue was investigated and resolved. Customers were inconvenienced.
Consumer complaint received 2017-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (RI)

Back at the beginning of XXXX I had a credit related issue dealing with JP Morgan Chase, after weeks of dealing with people who could n't give me any answers I finally was brought to someone in the executive office who was wonderful and willing to help in any way possible within her guidelines. I needed to resolve a late that was on my report, XXXX 2017, reported late on my credit report because there was a {$30.00} balance I was completely unaware of. Once this was brought to my attention it was immediately paid but to rectify the credit issue the representative from the XXXX reallocated my XXXX payment on XXXX XXXX so it reflected in XXXX which would take care of the late on my credit. When this was done, I did not realize it would take the entire XXXX payment and apply it to XXXX, I thought this would take just the payment necessary to cover that {$30.00} I was unaware of, so I just had the credit repulled and though the XXXX ( XXXX payment ) late was removed, now I have a XXXX late ( XXXX payment ) because my full XXXX payment was taken and applied to XXXX. I 'm not sure how we go about resolving this but I lost the house I was under contract on because of the XXXX late. After fixing the errors and having 3 letters from the executive office stating the late would be removed, when the credit bureaus called to verify they were told not to take the late off, we lost the house and I had to get everyone in touch with the correct people to verify and clarify the miscommunications going on. We are under contract on another house and will lose this one as well if this does n't get resolved. It is important for me to note that Chase reports for the prior month of payment. For example, they report on the XXXX of every month, so my XXXX credit report is a reflection of my XXXX payment. My XXXX XXXX credit report will be the report of my XXXX payment.
Consumer complaint received 2022-12-01
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. (FL)

When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be deleted from erroneous reporting in my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-28
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. (GA)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, 3 Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

XXXX XXXX XXXX Balance : {$12000.00} ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2021-07-23
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: Self Financial Inc. (CA)

My identity was stolen in XXXX. I contacted the 3 credit beaureus to place a fraud alert for accounts being opened in my name. I was told any time an application for anything was filled ' that the companies would be required to contact me before opening the account requested. 
On XX/XX/XXXX, XXXX XXXX  ( a self financial company ) opened an account using my information without contacting me to verify my identity. They are refusing to take my call to close the account saying that the request can only be done by email and with a report from the FTC. I completed a report with the FTC, but because their was a typo on my email, I couldnt get access to the report until I waited a certain time and refilled another complaint with them. XXXX  is also refusing to remove this account from my credit reporting because I havent been able to get it closed through XXXX XXXX  ( who is still refusing to close the account ).
Consumer complaint received 2021-11-30
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

High Credit, Past due amount, date of last payment, last reported and payment history are not being reported factual and consistently between the three major bureaus. Account Name : XXXX XXXX I am requesting that this account not be updated and I am demanding that this account be permanently removed from my credit file. 

I have attached and highlighted the inaccurate reportings from each account that are reporting inconsistently between each bureau. AGAIN, I am not requesting an update on these accounts, I am demanding a deletion of this account and I am demanding that you not ignore my demand. 
By the provisions of the Fair Credit Reporting Act, I request that these items be investigated and removed from my report. It is to my understanding that you will recheck these items with the creditor who has posted them. I also understand that under 15 U.S.C Sec. 1681i ( a ), you must complete this re investigation within 30 days of receipt of this letter. Please send an updated copy of my credit report to the above address. Thank you for your time and help in this matter