davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (NC)

My XXXX year old daughter deposited a check into her gift to minors custodial account. ( My name is still on the account ) on XXXX for {$2400.00}. She was thought to have been hired by a legit job who issued the check and told her to purchase their software upon the check clearing. After speaking with her family she came to realize this was a scam and called the bank to notify them of concerns. Wells Fargo opened a fraud claim which resulted in them immediately and thankfully rejecting the mobile deposit preventing it from being negotiated at all. 

However the account balance drew negative immediately by the entire amount of the deposit. No additional withdrawals were made. None of the available funds that were in the account prior to this adjustment ( rejected mobile deposit ) are available to date. There are XXXX in funds being held by Wells Fargo that was formerly available. I am not sure of someone is internally a part of this scam and has processed abs withdrew these funds while making appear as rejected or not. We want this account balance reconciled immediately and existing funds made available. It is unexplainably ridiculous that a mobile deposit would be rejected and also withdraw the account by the amount of the deposit without anyone having accessed the funds. Please have them fix this. They can not legally hold her existing funds. Wells Fargo never follows the rules and this another grave instance in which they create and follow their own rules. It isnt right. They have rejected the deposit yet simultaneously still have it on hold as if its processing to be cleared and negotiated. They can not do that. Such conflict puts them in error.
Consumer complaint received 2022-08-10
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)

The following companies made unauthorized inquiries on my personal credit report. I listed below the names and the dates the inquiries were made. Since I did not authorize these companies to obtain my credit report, I demand that these inquiries be deleted as soon as possible and my credit score be adjusted accordingly : XXXX XXXX XXXX XXXX Inquired on XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/2021, XXXX XXXX Inquired on XXXX XXXXXXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX Inquired on XXXXXXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/2021XXXX XXXX XXXX Inquired on XXXXXXXX XXXX XXXX XXXXXXXX Inquired on XXXX XXXX, XXXX.
Consumer complaint received 2019-01-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: OVERSTOCK.COM INC (FL)

On XX/XX/2019, I purchased and paid XXXX, XXXX, out of XXXX XXXX XXXX, UT, digital currency ( bitcoin ) out of their XXXX APP, but they NEVER sent me my bitcoins that I paid them, I have called them, and emailed them several times, but they will Not give me the product that I paid them. And it is now XX/XX/2019. The date of purchased was XX/XX/XXXX19, the amount that I paid them was {$60.00}, I have contacted them several times by phone and email, but they will Not give me the product that I paid them. They did me Wrong!
Consumer complaint received 2021-01-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BMO Bank, N.A. (MN)

I am still having issues opening up a checking account with BMO Harris Bank online and in person. BMO Harris Bank continues to deny me credit, and discriminating against me because of my race, me being XXXX XXXX ( XXXX ). BMO Harris Bank is in violation of the 1974 Equal Credit Opportunity Act ( ECOA ) under federal law. My full name : XXXX XXXX XXXX, DOB : XX/XX/XXXX, SSN : XXXX
Consumer complaint received 2022-04-15
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: LEXISNEXIS (IN)

On XX/XX/2022 I made a complaint about LexisNexis reporting inaccurate fraudulent and deceptive information XXXX is the original complaint number. LexisNexis came back to the cfpb stating that the information that they were giving out could NOT be verified so by law they have to delete this information. But come to find out LexisNexis was very deceptive they in fact did Not delete this information and they are in fact still reporting this information to all three credit bureaus. I asked LexisNexis to delete this information from ALL of their systems. Also to send this information to all three credit bureaus who they reported/sold this information to stating this information was inaccurate.LexisNexis failed to do anything that they said that they done and this is very deceptive. I have spoke to LexisNexis several times and they are stating to me that they do not have to delete this information out of their unverified side of their company and that they do not have to follow the cfpb rules with an unverified information. But if the information is unverifiable How are they still verifying this information with anyone if they can not verify it. LexisNexis is falsifying information using deceptive practices also knowingly and willingly disregarding the law. I have upload a paper from them stating that they have deleted this information I will also show a new credit report where it is still being verified by Lexis Nexis. LexisNexis time frame to do there so-called investigative report has expired I'm demanding that they delete this information within XXXX hours or else I will seek remedy I also attached a copy of my passport because LexisNexis always try to say that I did not send proper identification to verify who I am
Consumer complaint received 2021-08-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (CA)

My name is XXXX XXXX. My phone number is XXXX XXXX XXXX XXXX. My account was closed by Wells Fargo bank without my permission and I still have {$3900.00} inside the account. The bank does not allow me to take the money out because they claimed that " I am not the owner of the account. '' In fact, I am the owner and they did not allow me to prove my identity at all. All they said was " you can not get your money back. '' The bank said that I was the one stating on the phone while talking to the specialist that " the account is not mine '' even though I have never said that ; I have never even mentioned the account at all while on the line. There are definitely recordings of the phone-calls in their files to be checked if you want to further prove of what I stated above. I want to get my money back. My case number is XXXX ( Wells Fargo Bank ).
Consumer complaint received 2021-01-01
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

It has Been More Than 30 Days Since I Mailed My Disputes To XXXX XXXX, XXXX And Equifax. I Haven't Received A Response From Either Of These Bureaus As Required By The The Fair Credit Reporting Act.
Consumer complaint received 2022-08-10
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: GATEWAY FIRST BANK (OR)

Last XXXX my wife, XXXX and I ( XXXX ) received the document from the Gateway mortgage of XXXX, Texas for the first time for what reasons, we did not know. Then some- time later her second elder son, XXXX said that the Gateway mortgage agency wanted to know all about his parents and their finances without our knowledge and our per-mission. They argued that it was just information in the Gateway Mortgage wanted to know. Why? What's more, they had said nothing about the co-signers - that's - XXXX may have expected us to get involved in their affairs as I had suspected at first. So many months had passed until last Monday the Gateway mortgage mailed the documents in which they expected us to be co-signers. Such documents ( some of them that I did not understand, and I did frankly tell XXXX that I was not sure of what I did not understand. But XXXX used his forceful request for us to sign so quickly and mail them to the Gateway Mortgage before the coming Friday. We are retired, and XXXX is XXXX XXXX XXXX and I am XXXX XXXX XXXX. What's more, we are XXXX  since birth. Your website said : " You do not have to sign such document, as mortgage if you do not understand. '' That is a relief for us. I need your help on this case. It's because we are prepared to move out of apartment soon because of increased rent in which we could not afford. We plan to move to the assisted living site somewhere in XXXX, Oregon.
Consumer complaint received 2022-08-10
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: SYNCHRONY FINANCIAL (KY)

Hi... My name is XXXX XXXX my XXXX XXXX XXXX have an account with synchrony Bank care credit .... because of fraud at my bank and report late payment I never had .... This lender look at my credit which is normal and see me and my father has dropped in score because of the XXXX XXXX crazy stuff they did .... It caused Synchrony dropp mine and my father credit limit from XXXX to XXXX dollars which that is damaging... And to me unfair .... I had XXXX on XXXX... I though the whole purpose of have a card is to have it for emergencies .... we haven't abused a d never late... .The cares act is ineffective when they can cut a limit for me not being in default or problems with them... I was told that they was sorry for accidently making my pay.ent late .... but at the time I or my father knew our limit was cut till at the end of call she mention I believe XXXX balance of XXXX I used XXXX for glasses .... I do t understand how u give a bank everything u have and in a time of need... they cut you for no reason .... they knew about the fraud .... The XXXX is handling it I guess but I but a report to ftc ... and DOJ Civil rights division and I did one with you guys with respect of regulation and authority .... I sent a warning to CRA .... and they failed to send it to the creditors ..... This is ridiculous... ridiculous .... I need help went from good credit till bankruptcy in matter of 6 months with good payment history ... .besides the fraud... but that. An take time... .I know I ca. Never get ahead because of idtheft ... .if it ain't t a stranger it's your family or friends ... .. Syncrony Bank should take a moral issue and stand for what's right... That putting me my wife kids and father who is XXXX yr old vet that's had open credit limit that ain't been touched .... It makes no since .... Synchrony Bank take a Ethical and Moral stand ... .. We pay and we victims and still pay .... but XXXX no late payment and we quailify XXXX coming out of my account .... I paid you XXXX that when on dog passed away no included the other ..... Remember Synchrony ..... I and my father was with yall si ce XXXX XXXX not a late payment nor default .....
Consumer complaint received 2021-08-19
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: WELLS FARGO & COMPANY (FL)

Some one is using my SSN to pull credit/credit card. I have a lot of inquiries and have not been removed.

This inquiries need to be remove, if they can not show proved of contracts etc. I also have freezed all 3 bureau.
Consumer complaint received 2022-07-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

In Accordance with Fair Credit Reporting act XXXX, XXXX Account XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A Creditor my not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-10-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services (IL)

On XX/XX/XXXX, I called to request a refund on student loan payments made during the pandemic pause. I spoke with a representstive who said he submitted refund requests for payments I made on account XXXX, two payments on XX/XX/XXXX and XX/XX/XXXX. I was told my refund request was submitted but received no confirmation by email or any other method aside from in the phone call. I messaged their customer service requesting an email response on the status of the refund last week and have not heard back. I attempted to call today at multiple different phone numbers listed on their website 20+ plus times from both my phone number and my spouse 's, and have been unable to get through to even the menu page. I am just trying to get my payments refunded so that I may apply for loan forgiveness and have discovered online that hundreds of people are having problems with Ed financial not actually submitting their requests.
Consumer complaint received 2022-10-11
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: JPMORGAN CHASE & CO. (CA)

This account was opened fraudulently and is having serious lasting impacts on my credit scores. I have tried to get these accounts removed from my credit report and have filed a police report and Identity Theft Affidavit as well.
Consumer complaint received 2019-01-21
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Navient Solutions, LLC. (MD)

I have been dealing with Sallie Mae. They sold my loan to Naveint. I  private loan to pay for college. I started paying the loan off in XX/XX/XXXX. The loan amount was {$20.00}, XXXX. I have been making set payment that@XXXX directly withdrawn from my bank account each month. I called today to see why they say my account is delinquent. Apparently I owe a payoff amount 0f {$23000.00} I have two interest rates one of 13.5 % and the other 13.125 %. It is now XX/XX/XXXX and I owe more then I did in XX/XX/XXXX. I have paid this bill every month via automatic with drawl from my bank account. I asked about a lower interest rate. They say I cant do that. I asked what else I can do to pay this off. They have no recommendations. So as of today they raise my payments again because my interest rate went up. 

Before this they billed my account late payment fees each month because they say the bill was not paid on the due date. I have called several times. My husband has called several times. We say why are there late fees? You with drawl money every month on the XXXX. There should never be a late fee. 
This company has charged me years of late fees. After 9 years of payments balance is higher than what I borrowed. I don't understand how this is possible? I pay my bills? I'm not trying to cheat the company. In fact they are cheating me. I need someone to help me figure this out. Please investigate this fraudulent company. Please tell me how to deal with them?
Consumer complaint received 2022-10-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (VA)

On XX/XX/XXXX I submitted a written request for a refund to my federal student loan provider, EdFinancial, stating " The Department of Education announced that those who qualify for student loan forgiveness who have been making payments during the student loan pause are entitled to get a refund for those payments, and that, in order to do so, they need to contact their student loan provider directly. I am requesting a refund of all of the payments I elected to make during this pause, which were not required. '' and then called and made a verbal request on XX/XX/XXXX requesting a refund as well. I have received no updates nor any timelines and it has been 6 weeks since I submitted both a written and verbal request to EdFinancial.
Consumer complaint received 2019-01-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (FL)

Nelnet is reporting disbursements twice on the same dates which is not correct such as : 1. Nelnet is saying on XX/XX/XXXX they disbursed {$33000.00} for fall term. XXXX has never given ne that amount in one term. However, on XX/XX/XXXX.  However, I did receive {$5200.00} from financial aide for fall term.

2.Nelnet is saying I got {$17000.00} & {$17000.00} on XX/XX/XXXX. Financial aide disbursed only amount to me on that date.

3. Nelnet is saying on XX/XX/XXXX they disbursed {$15000.00}, {$15000.00} on that date and also disbursed {$10000.00} on that date. I only received one disbursement on that date from financial aide. 

4. Nelnet is saying on XX/XX/XXXX for they disbursed to me {$10000.00} and also on that date {$9400.00}. I did not receive XXXX disbursements on XX/XX/XXXX only one 5. Nelnet saying on XX/XX/XXXX they disbursed {$16000.00} & {$10000.00} on that same date. Financial aide only disbursed one amount to me on XX/XX/XXXX. 

6. Nelnet said on XX/XX/XXXX they disbursed {$10000.00} & {$14000.00} on the same date. Financial aide disbursed only one amount on that date not two amounts to me for one term. 

7. Nelnet on XX/XX/XXXX saying they disbursed {$14000.00} & {$10000.00} to me. This is false, financial aide only disbursed one amount to me not two per term!
Consumer complaint received 2019-01-21
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)

XXXX XXXX THEY PUT TWO ACCOUNTS ON MY CREDIT REPORT I OPENED ONE AND HAVE NEVER CHARGED ANYTHING THE THEY HAVE ANOTHER ACCOUNT ON MY CREDIT REPORT SAYING I OWE {$300.00} AND SOME DOLLARS THIS IS NOT MINE PLEASE DELETE
Consumer complaint received 2022-10-11
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (NY)

On XX/XX/2022, I ordered on XXXX a electric dryer for XXXX dollars ( XXXX with tax ) that was advertised as 120 volts. XXXX XXXX sent me a 240 volt model which I am not electrically equipped for in my household. I reached out to the merchant and they told me they do not do returns on online purchases. I explained I received the wrong product. I reached out on XX/XX/XXXX to home depot credit card services which was the credit card I used to make the purchase. They attempted to resolve with the merchant. Merchant told home depot credit card this is a case of buyers remorse. I opened up a dispute with home depot credit card services on XX/XX/XXXX after multiple phone calls with XXXX XXXX corporate, credit card services and the actually credit card banking service. I submitted pictures of the product I ordered and I what received along with receipts. Home Depot credit card ( Citi bank ) told me to wait 30 to 90 days for resolution. I received a letter from Home Depot credit services to contact the merchant for a refund or exchange on XX/XX/2022. Once again reached out to the merchant and spoke with a mannager who told me they dont expect returns and had the credit card company call once again on my behalf to try to obtain a resolution. As per home depot credit card services I was to wait 30 -90 for resolution as they attempt to correct the issue. On XX/XX/XXXX upon checking my home depot credit card account I noticed my dispute had been closed so I immediately reopened the case. I called that same day twice as the first time the supervisor phone call dropped and as per home depot they have no answers as to why they closed dispute but to wait another 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Homedepot credit card service citibank
Consumer complaint received 2021-01-06
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: CITIBANK, N.A. (OR)

On my report there is a closed account with huge amount of missed payments. SEARS/CBNA Its not mine account. 
Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA SEARS/CBNA has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Consumer complaint received 2021-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (SC)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2021-08-19
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF THE WEST (OR)

Bank of the West put my account on hold XX/XX/21 as I did an online transfer to my daughter through the XXXX XXXX. They are saying on the phone that they can't verify who I am after I answered their questions. I'm blocked from online banking with my account.
Consumer complaint received 2021-08-19
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (LA)

For the record, there was no response and negative information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 50 days and again 10 days ago The investigation took longer than 50 days This is a Direct Violation of Fair Credit Reporting ACT Section 611 ( a ) ( 1 ) ( A ) As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ) I am maintaining a careful record of my communications with you on this matter, for the purpose of filling a compliant with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. XXXX XXXX XXXX., No. 95-6445 ( C.D.Cal. Nov. 14 1995 ), you will be liable for your willful non-compliance. Please remove all Fraudulent accounts as I have no knowledge of these accounts due to the Equifax Data Breach/ Identity theft. All is being investigated by the FTC