davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: WELLS FARGO & COMPANY (CA)

I applied for WellsFargo Propel credit card on XX/XX/XXXX. I got an incomplete decision on the credit card. On the same day I called WellsFargo Credits Service Customer Care they mentioned I will receive a letter in the mail. A few days latter, I receive a letter asking me to call Customer Care and verify my identity. So, I call Customer Care again on XX/XX/XXXX, they verify my SSN and tell me that I should get a decision in 24 hours. I call again the next day XX/XX/XXXX, the rep tells me they need an additional form filled which I will receive in the Mail. I fill the form and send it around XX/XX/XXXX ( Unsure on the exact date ). I get no response from WellsFargo for the next month. I call Customer Care again on XX/XX/XXXX to ask about the application, the rep tells me that they had not review my application and will review in 24 hours. I call again on XX/XX/XXXX, they tell me that the application date has elapsed and they can not do anything, I ask them to remove the hard credit check since it was their mistake they did not review my application. Their response is that they would remove the check if I applied for the Card again but can not do anything otherwise. I ask them to still check, they said we will in 24 hours - I got no call. So on XX/XX/XXXX I called customer service again, they reiterated that if I reapply my older credit check would be removed. So I reapplied on XX/XX/XXXX, called customer service again after applying - they tell me my decision will be in 24 hours. I ask them to remove the previous check - they tell me it will be removed. I call again on XX/XX/XXXX - they tell me my credit card reapplication has been rejected - I ask for my credit check to be removed which they still haven't done. I ask the rep to transfer me to the complaints department - the rep says there is a system error which is not allowing it. The rep said they will call me in 1-2 days, I do not expect they will call. 
I have called WellsFargo a total of 8 times for this issue. None of my concerns have been resolved. Each call lasted at least 15 mins before I could even start discussing the issue.
Consumer complaint received 2022-10-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (NV)

American Express Platinum totally messed up my account. They charge a {$690.00} Annual fee but wouldn't pro rate the refund if you want to close your account. The reason why I'm closing is because I couldn't get the services and benefits I'm suppose to get. They messed up my account so badly that I have been stressing out since XX/XX/2022. I have chatted and spoken to several customer service and each promise me different things. The Annual fee is not worth it.
Consumer complaint received 2023-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I am writing to dispute the incorrect reporting of my credit balance by Capital One Bank. Within just 5 days, my credit was reported to have a balance of {$60.00} and {$310.00}, when in fact my actual reported balance was {$0.00}. I have no idea why my credit was reported in this way, as I have not made any recent purchases or payments. This error is causing me great frustration and concern, as it could negatively impact my credit score and financial standing. I kindly request that Capital One Bank investigate this matter and correct the error as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2021-09-08
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)

This is XXXX 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/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX  Balance {$0.00} Opened Date XX/XX/XXXX XXXX  XXXX XXXX Balance {$0.00} Opened Date XX/XX/XXXX XXXX
Consumer complaint received 2023-03-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (TX)

I received a notice from Jefferson Capital for collection. I requested a verification letter and they provided a statement from XXXX with my name XXXX XXXX. I have never had XXXX services and received proof that there is only one account open in my name from back in XXXX via XXXX fraud investigation team. I have lived in XXXX  since leaving for XXXX  in XXXX. I called XXXX Fraud and they told me I need to file a police report before they can investigate any further that someone stole my identity to open an account in my name. I will continue to work with XXXX so they remove the account from collection.
Consumer complaint received 2022-11-19
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. (CA)

I had a XXXX XXXX card for several years.I went into store purchase a product and I believe I updated my information.I was told I would get replacement in the mail.I did receive the product by my bill was sent to the wrong address.My credit score went from XXXX to XXXX because they put me as delinquent when they were at fault for sending the bill to wrong address.Im XXXX  and XXXXI also have XXXX XXXX XXXX doctors who's cares I'm in.I also been recently diagnose with XXXX XXXX and XXXX has been trying to get my XXXX XXXX under control.Thiis had put extreme pressure on me and could possibly affect my ability to remain in senior place due to low credit score.I talk with XXXX they said XXXX XXXX is at fault.XXXX XXXXXXXX  said there at fault.I just need help pls being XXXX  and XXXX  to remove this no fault delinquent report off mu credit report please help me .thank you.
Consumer complaint received 2021-09-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY (NJ)

I received a package of new checks today, XX/XX/2021. Someone used my address and name to open and TD Bank checking account. The phone number used is XXXX. I do not have ANY account with TD Bank.
Consumer complaint received 2021-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (IN)

I have always paid my account on time every month thru the portal and website that the company provided and receive notice when they receive the payment. One month they notified me 30 days later that they never received the payment. I quickly paid it as soon as I was notified and I tried disputing it with the company because I had paid it and it was their websites problem and not my mistake but they refused to remove it even though they acknowledged that it may have happened since they have intermittent problems with their website. Please help as this is affecting my ability to get the best rates on a home loan and this was not my mistake.
Consumer complaint received 2021-03-04
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Cottonwood Financial Ltd. (TX)

I have talked to a guy in XXXX who forced a payment plan for XX/XX/2021 after I told him I no longer work due to my husbands XXXX. XXXX insisted I had to or he was going file criminal charges but I could call closer to date for other arrangements. No signed documents or agreements were made by me. Cash store attempted several times after I was able to make a payment in XXXX to continuously debit my account and refuses to take my bank account information out of their system bc they said they have a right to do so. They continuously call and mail letters to myself and references harassing and threatening us with a lawsuit for criminal charges. They doubled the interest and price of loan.
Consumer complaint received 2018-02-17
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. (CA)

I have contacted the collection company and both Credit companys Regarding the error on my credit report. I do not recognize this account or ever have an account and since they clearly do not display with the original creditor was on the file I have no idea on how to look into it further. This grossly inaccurate negative account destroyed my credit and neither credit company is following the law along with the collection company by just plain accurate information outlined by the FCRA.
Consumer complaint received 2021-09-08
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: Upgrade, Inc. (VA)

On XX/XX/2021, I discovered two fraudulent charges on my credit card account. One charge was for $ XXXX, and the other charge was for {$420.00}. I spoke with the credit card company, Upgrade ( Visa account ). I wrote three separate emails, to the company over the past week plus ( 8 days ). I spoke with numerous representatives to resolve. The card was suspended, and a new one is being issued. I have yet to speak with their Fraud representative. I am put on hold for hours, having to hang up, after never being connected. These fraudulent charges are still appearing on my account, and this is hurting my credit rating. 

The last I spoke with a representative, they said the that other charges were attempted on my card. 

The credit card company is not taking action on this fraud.
Consumer complaint received 2018-11-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

Yes .. Bank of America Customer Service Dept .. ABSOLUTELY ATROCIOUS .. after I complained to a manager .. they started retaliatory behavior against me .. 

Not sending me new debit cards on time .. or AT ALL!! This happened on at least three to four occasions The Claims Dept .. putting false information in my info file with Bank of America They noted in file when I called claims dept on XX/XX/2018 that they called me on XX/XX/2018 at XXXX XXXX  .. at : 1 ) OLD PHONE NUMBER OF XXXX XXXX XXXX .. WHICH I HAVE NOT HAD IN A COUPLE OF MONTHS AT LEAST AND I UPDATED ALL INFO WITH BANK OF AMERICA PROMPTLY!! 

2 ) NOTED ALSO THAT THEY CALLED MY NEW UPDATED CELL NUMBER ON THIS DATE .. I HAVE PHONE RECORDS FROM MY CARRIER .. NO CALLS!!! 



THIS IS FRAUD!!!!!!!! 

IF THIS RETALIATORY BEHAVIOR DOES NOT IMMEDIATELY CEASE AND DESIST I WILL BE FILING LAWSUIT!!! 


ADDITIONALLY, I JUST NOTED THAT I HAVE A {$35.00} FEE " SUDDENLY '' ADDED ON TO MY ACCOUNT .. YET I HAVE OVERDRAFT PROTECTION XXXX THEY KEEP MESSING WITH ME IF THIS IS NOT DEALT WITH ASAP. ... .. L A W S U I T!!!! 


ALSO .. GIVEN COMPLETELY FALSE, ERRONEOUS INFORMATION FROM THE BANK OF AMERICA ON XXXX XXXX IN XXXX, MD WHEN I OPENED ADDITIONAL CHECKING AND SAVINGS ACCOUNT .. THEY " ASSURED '' ME NO FEES FOR THE SECOND CHECKING ACCOUNT AND THE SAVINGS ACCOUNT! 

WELL THAT WAS A JOKE!! I AM TIRED OF THIS FRAUD AND RETALIATIORY BEHAVIOR .. 

ONE MORE INCIDENT .. L A W S U I T!!
Consumer complaint received 2021-09-08
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. (PA)

This is XXXX 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/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. THIS ACCOUNT IS NEED TO BE CORRECTED OR UPDATED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Balance {$100.00} Opened Date XX/XX/XXXX XXXX
Consumer complaint received 2018-11-01
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. (HI)

" " '' I have disputed this Charge Off on this XXXX   XXXX for months.XXXX  and XXXX   have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
Consumer complaint received 2019-08-29
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Rubin & Rothman, LLC (MI)

In XX/XX/XXXX my XXXX XXXX was one month away from lease being complete. I was paying the car note. The XXXX  was impounded by XXXX for tickets. Since it was so close to time to return vehicle and I wanted to be transparent, by notifying XXXX XXXX XXXX XXXX, they told me since they were title holder they could get car out of impound, they never told me they would consider this a default to my lease agreement. Once that was done they considered a default on my lease agreement and charged me for the entire amount of car. I paid over {$4000.00} then stopped paying in XXXX. This year I received a notice in XXXX XXXX that a judgement to garnish wages have been taken against me. I live in XXXX and have been for 8 years. They are demanding I pay {$8100.00} for this car loan to XXXX XXXX XXXX. They took possession of the car and I paid over {$4000.00}. They are threatening to garnish wages. This would devastate me considering I am currently a single income household.
Consumer complaint received 2018-03-09
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC (WA)

My mortgage was sold from XXXX over to Lakeview Loan Servicing and I have received numerous calls from them about refinancing, lowinging my rate for no fee etc. When they first called they said it was just a modification, no fee. Then I get the paperwork and it's tons of fees and it was a refinance and not a rate modification. So I turned them down as they misrepresented themselves. Since then my husband and I have been harassed several time with calls asking us and telling us we need to refinance with them. We have asked nicely to stop calling us, stop emailing etc. THEY WILL NOT STOP! They are worse than a bill collector on crack. Please stop the insanity and tell them to stop calling us. We are tired of the harassment.
Consumer complaint received 2018-03-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NAVY FEDERAL CREDIT UNION (NY)

Navy federal Credit Union has be Contacted Me & Harrasing me and I have not Contracted with them, I have ask them to Verify By Wet ink Signature and Requested a XXXX  they Refused it. 

The Debt was already paid in full, and clear on My Credit Report, they then turned around in reposted a Debt that Was paid & then Violated My Rights as a Consumer, by giving My Personal SSN to other Companies and Selling My info to everyone which I have not contracted with as well.
Consumer complaint received 2022-10-15
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. (NY)

XXXX XXXX XXXX XXXX was place an on my credit report without my consent. 
According to 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2021-09-08
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. (VA)

The following account was charged off as of XX/XX/2019. Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history which to my understand charged off accounts should NOT include an active payment history. Need I remind you this also falsely manipulates the statute of limitations. 

I am demanding a deletion of the following account : XXXX XXXX XXXX {$760.00} XXXX XXXX XXXX {$1200.00} The following accounts are claiming to both own the same debt, with a balance. As you know this is not possible and also a violation of my rights. Because of this, BOTH accounts needs to be removed from my credit report immediately due to you not properly validating the information in which a company has passed to you. I only had one account with this company. Please delete immediately. 

XXXX
Consumer complaint received 2021-01-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

ON XXXX OF 2017 AN CAPITAL ONE CARD WAS OPENED WITHOUT MY AUTHORIZATION. THE TOTAL AMOUNT IS FOR {$1000.00} DOLLARS. I PERSONALLY HAVE EVER OPENED AN ACCOUNT WITH THEM.
Consumer complaint received 2018-03-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (CO)

I have an account with a company called Coinbase. Initially, when I opened the account, I was in the state of Wyoming. I initially purchased a virtual currency called bitcoin in the state and the exchange allowed me to do this. However, I wanted to buy more coin and they said I had to upload my Identification. Upon uploading my identification, Coinbase locked my account and would not allow me to access the funds already in the account. ( I had approximately {$50.00} in the account ).

I have since moved to colorado and attempted to unlock my account by uploading my Colorado ID per the instruction of Coinbase. That action was taken approximately 1 year ago. Coinbase still has not unlocked my account. The company told me numerous times they would unlock my account and said the case had gone to a specialist but still nothing has come of this. The company essentially steals money by locking accounts.
Consumer complaint received 2023-03-24
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: BCI FINANCIAL GROUP, INC. (MD)

I applied online for a money market account at XXXX XXXXXXXX XXXX XXXX XXXX City National Bank of Florida. They replied, " We regret to inform you that we can not approve your new account application. '' When I asked why, they said, " We are unable to provide additional information. '' Without knowing the reason why I was denied, I have no way to tell if it's because of some error on a credit report that I can get corrected, or due to discrimination of some kind. Their refusal to say why my application was denied seems in violation of financial disclosure laws.
Consumer complaint received 2022-08-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

On XX/XX/2022 we deposited a check to Bank of America received from a business, a car dealership in which we had sold our vehicle too. That money was taken out of the business account within XXXX hours, per the business owner. BUT Bank of America is currently still holding this money until XX/XX/2022. 10 day hold on money they currently already verified and they already have in their " cloud '' ( what customer service told me ). 

They are currently making interest on money that should be in my account. How is it even legal to hold someone's money when the check has already cleared out of the business account?
Consumer complaint received 2018-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Checkr, Inc (TX)

Mississippi speeding ticket was paid for and needs to be taken off my driving record!!! 
I dont live in LA! Failed to appear in LA for trail/court, this one I have no idea about. I called Louisiana Sherrif department and they have no knowledge of why this would be on my record.
Consumer complaint received 2022-11-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/XXXX I contacted TransUnion about the following negative accounts 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Credit limit : {$500.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2022-11-19
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. (TX)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!