davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-11
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (CA)

Hello, We paid for a rate lock with Wells Fargo on XX/XX/2022 in the amount of {$9700.00} for a new home that is being built. This is one day after we confirmed with Wells Fargo, via email, that the rate lock was transferable. We then communicated via email again on XX/XX/2022, with the same representative at Wells Fargo, about confirming the rate lock was transferable. In both communications we were told that the rate was in fact transferable. However, more recently on XX/XX/2022 we asked the same representative at Wells Fargo for an updated letter confirming our conditional approval for the loan ( which we already had for the new construction home ) for a different property. The representative told us that the rate we locked in with on XX/XX/2022 could not apply to an existing home, only to new construction. From the communication we have via email with the representative at Wells Fargo we where never told that the rate lock was only for new construction. The only reason we got the rate lock was to have some flexibility in case we did not more forward with purchasing the new construction home that we could purchase an existing home instead. 

We escalated this issue at Wells Fargo and actually spoke to a senior manager by the name of XXXX XXXX ( market manager for XXXX XXXX, CA ) toward the end of XXXX. He said over the phone that we were correct that none of the disclosures for the rate lock stated this product was for only new construction and this was the reason why the representative was confused and never told us. XXXX told us that he would get back to us the next day. Despite two follow-up emails it has been well over a week with no feedback from XXXX or Wells Fargo XXXX It is likely that we will proceed with the purchase of the new construction, but if an existing home comes to market between now and when the rate lock expires we would like to have that option to purchase the existing home under the terms we had locked into with at Wells Fargo. 

We do not want the money ( {$9700.00} lock fee ) back. We want Wells Fargo to honor the terms we locked into with for any home ( new or existing ) we purchase in the coming months. Also, if these disclosures are standard then how many other customers of Wells Fargo have been miss lead and not allowed to purchase the home they wanted under the terms they locked with? 

Appreciate any assistance,
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: CITIBANK, N.A. (MS)

I did a did a credit report with XXXX  and noticed it said i had a balance of {$9200.00} I have never had a credit card so this is wrong. 
It says i am an authorized user of a citibank creditcard that was opened in XXXX 
I was XXXX XXXX XXXX in XXXX 

I filed a dispute but they couldnt do anything apparently. 
I got a letter from citibank saying i needed the creditcard owner to remove me. I dont know how thats possible considering i have no idea who that person is.
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: CITIBANK, N.A. (VA)

I started disputing this information in XXXX regarding these two companies XXXX and macy company. I fill out every form the companies sent to me from the fraud department to a police report back in XXXX. Id also requested a copy of the applications that was submitted by me since this account was supposedly open in XXXX the company was still actively doing paper work for new account. I havent received a copy of the the request paperwork information regarding the credit application from the company. These account is showing a balance and a past due amount for many years this company continues to bully and harass me with this relentless negative information on my credit report which is affecting my family and personal lively hood to get good paying job and a decent place for me and family to live. This is a constant reminder of how the company treat XXXX and XXXX people who work hard and want a fair share in life.
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

After multiple attempts with all 3 credit bureaus, I attempted to dispute the accuracy and validity of XXXX XXXX XXXX on my report. After multiple attempts, nothing has been changed nor deleted. As this point in time, XXXX has violated my rights as a consumer under FCRA section 611 ( a ) ( 5 ) as they have not responded to my dispute nor given me an update. i am demanding this account be deleted from my credit report immediately or i will be pursuing litigation in the amount of nothing less than {$1000.00} as tis has negatively impacted my credit score as well as my ability to obtain credit. All receipts and dates of mailed letters and confirmation has been attached below as supporting documentation.
Consumer complaint received 2021-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc. (GA)

I tried to get a Loan with XXXX XXXX XXXX. They told me I was approved the whole time till I went to do the final paperwork then they wanted to jack the down payment up XXXX  after running my credit 5 separate times already. The are using some company called sage stream which Ive never heard of and I complained about that in office asking for the supervisor to come explain what I was seeing on their computers and why there was a disconnect in my credit, my personal info, and the appearance and issues with the car that DID not match what the picture displayed. He acted as if he didnt even work there and could not provide me any detail to why I was having problems with them. Complete lack of experience to be a supervisor and not even know your own company. Ive had multiple credit issues since then, Ive had multiple fraudulent charges on my card I used there with them and Ive even went back to them in person and called multiple times over the phone and they couldnt provide me any updates. Ive left my contact info to be contacted back by someone in upper management and have yet to get a single call. This has been an ongoing issue for over 4 months now and Im fed up and ready to sue them now. What can I do?
Consumer complaint received 2022-02-25
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: EQUIFAX, INC. (OH)

In accordance with the Fair Credit Reporting Act 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. Also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2019-01-23
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc (FL)

I, XXXX XXXX, was contacted by XXXX XXXX whom was representing Hunter Wakefield Company located at XXXX XXXX XXXX XXXX XXXX, Fl ( XXXX ) XXXX. They were seeking a debt owed by a XXXX XXXX. 
My husband and son have same name, just one is XXXX and one is XXXX. The representative did not care and had no problem going over someone else 's debt with me even though they did not confirm my identity nor cared to call and ask my son if it was ok that they speak with me.. I advised them it is my son 's debt not mine nor my husbands ' and he still kept using scare tactic like they are only willing to work on a reduced amount if I took action today and prepared or scheduled payment for a reduced amount or they would go after my husband and I for the debt that is not even ours. We are in process of buying a home and them reporting this debt on my husband 's social and not mine has loan process in jeopardy/ I lost my senses for a minute and made mistake by giving debit card information until my daughter heard my converstaion and had me cancel phone call WITH THEM immediatly. 

SOLUTION : THEY NEED TO CONTACT EACH BUREAU AND RETRACT THE NEGATIVE REPORTG ON MY HUSBAND THAT IS WRONGFULLY REPORTING
Consumer complaint received 2022-10-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: M&T BANK CORPORATION (CT)

On Sunday XX/XX/2022 I contacted M & T bank formerly Peoples ' United Bank since they did not move any bank statements from People 's United to their computer system and only have 60 days worth of transactions online to view. I asked for at least the last years worth of statements. I received a message that the statements were ready but that was only for the month of XXXX. So now I have XXXX and XXXX of XXXX. So I called and spoke to a pleasant customer service rep who said she could not do a full year but could transfer me to a specialist who could probably help. So after all the waiting I speak with the specialisXXXX and told her the situation and explained I need this info ASAP. She tells me it's in process since I made the request 2 days ago so I only have 8 more days to wait since it's 10 days for this request. I explained that is not going to work as this is my bank info and I needed it in the next day or so. She explains that it is my fault that M & T sent a message to the future customers that it was their responsibility to grab their statements from Peoples United and she could not help me. I explained that this was not reasonable and that just because- And as I was trying to explain this she hangs up. And it was a definite hang up. I will be closing my account with M & T but I need my statements that should have come over from my previous bank and sooner than 10 days. This should have already been done when switching over the systems as was done when People 's United took over United bank a few years ago when we had to go through this process then.
Consumer complaint received 2022-10-26
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: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 U.S.C 1681. 

XXXX XXXX XXXX Account Number. : XXXX, has violated my rights. 

XXXX XXXX Account Number. : XXXX, has violated my rights. 

XXXX 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 an account without my written instructions
Consumer complaint received 2021-01-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (OH)

Citibank Business has held money in my act for six months without access and charging me monthly XXXX fee and at least XXXX. Further I was frauded and I've got zero information from citibank to file police report about what was found. I want this account closed and my fees taken returned and my census money returned which is mine. The delay is ridiculous, I filed previous complaint and Citibank falsely claims that all funds were not mine which is not true as funds went into account after they said they were closing it that were mine. I worked for the XXXX XXXX and two of my checks went into the account in error and they refused to sent to me this amount. I sent proof attached o worked at XXXX. 

Recently XX/XX/XXXX my check of {$600.00} us giovernment pandemic relief check went in the aaccount. 

I'm fed up its been since XX/XX/XXXX they said they would close amd refund me. 
And every month of XXXX  they have taken XXXX fees out. I want fees taken after XX/XX/XXXX refunded amd I want my XXXX check and my census money checks refunded now. They are not part of the reason the account closed and the money is mine. 

The bank is incompetent!!!! Doesn't investigate correctly
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: EQUIFAX, INC. (GA)

To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors and have affected my livelihood to provide for my family. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2022-10-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (TX)

I filed a complaint when they wrongfully closed mt account with all my money in it. They told you they would issue me my money back for checking and credit builder and then followed up telling me theyd issue a check for {$1.00} and {$2500.00}. 

Now today they are saying it was only {$1.00} and they cant see the {$2500.00} anymore! Are you kidding me? They are stealing? This at that is HALF WHAT WAS OWED TO ME. They told me a deposit and returns that where made to that account almost {$2000.00} more!
Consumer complaint received 2022-07-05
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Abra (CA)

The company is a scam. They promised {$40.00} for deposit and referral but only paid me {$20.00} in some insolvent company owned crypto which they will not cash out for at least the rest of XXXX ( most likely ever ). There is nothing in the legal terms and conditions that says the {$40.00} awarded will be in an insolvent worthless asset that can't be withdrawn. I called and spoke with 3 agents and they all refused to answer any other questions as to who is regulating their company and where my missing {$20.00} is. ( Also the {$20.00} was awarded today and was exactly XXXX XXXX so it wasnt some crypto devaluation that devalued after I received it ). 1 ) The XXXX were never pending. They were not pending and not showing until I called in today and then they were credited to my account today 2 ) Pending isn't " awarded ''. No where in the terms of my signup date XX/XX/XXXX does it allow for you to arbitrarily set a date for the valuation and then have them unavailable. 3 ) If the XXXX isn't available then it's not been awarded. It wasn't available until today 4 ) Nowhere in the terms does it say this " reward '' will be a worthless piece of garbage that isn't convertible or withdrawable, which I've just discovered is the case. Most importantly, if the XXXX is untradeable and unwithdrawable, then by definition is it WORTHLESS. The company is arbitrarily assigning a value to its own insolvent asset. I hope someone files a class action lawsuit against this scammy company or a government regulator steps in and closes the company down for being a fraud.
Consumer complaint received 2022-10-11
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (NY)

1 ) On XXXX XX/XX/2022 I received an invoice from XXXX XXXX of PayPal for {$290.00} for a subscription of XXXX XXXX XXXX. I don't even have an account with PayPal. My wife does. I told her about it, and she immediately called PayPal, and they said that they would take care of it. It is now XXXX XX/XX/2022 and the charges are still on her account. I know this because of the following XXXX ) On XXXX XX/XX/2022, I received an invoice from PayPal for {$780.00} for something unknown. I immediately called PayPal to find out what this was all about. Since I don't have an account with them, it took an extremely long time to get a hold of somebody. I called XXXX and spoke to XXXX who told me that my email address was linked with my wife 's account. I explained to him my problem and after some time, he told me that he would transfer me over to their fraud department. I waited about XXXX minutes on hold, and finally hung up. 

I would have preferred to have emailed them, but they have no email. 

I asked my wife to check her account to see if the {$780.00} was on it, and she said, no, but the charge of {$290.00} was still on her account. 

I would like both of these charges removed.
Consumer complaint received 2022-07-04
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. (NC)

Ive asked XXXX numerous times to remove XXXX XXXX XXXX Im not aware of it Ive spoke to them and They said I had to report it Ive spoke to equifax and they saying the same thing its a car on my report I have no clue about I just graduated college and my school loans should be the only thing on my report
Consumer complaint received 2022-10-11
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Dyck-O'Neal, Inc. (KY)

I received a notice from a debt collector company called Dyck O'Neal, that in XXXX I used a XXXX XXXX XXXX loan through XXXX. I am being notified that on this date ( XX/XX/XXXX ) that I had not paid on that loan through XXXX XXXX, not XXXX XXXX. But, I contacted XXXX XXXX and they said there is an underwriting problem because the mortgage had been transferred so many times and we still own the home. 

I contacted HUD and spoke with a lawyer then I contacted the debt company and tried to explain who is trying to collect because the papers said it was from XXXX and it was applied to the mortgage. Dyck O'Neal told me it was an unsecured debt, but XXXX XXXX told me it was a secured debt. 

I had to take part in the housing crisis of XXXX and I needed to acquire that loan in XXXX of XXXX with XXXXXXXX XXXX XXXXXXXX. 

Please help because no one can find the paperwork.
Consumer complaint received 2021-01-07
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. (OH)

Looking over my credit report and notice there were fraudulent accounts that does not belong to me and never authorized any contracts and business with these companies. The following accounts are listed below : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX,
Consumer complaint received 2022-10-11
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)

The Credit Bureaus stated my account was properly investigated, but how is that possible if the open dates are different, the balances are different on each bureau, one shows closed, other open, and the dates are different, it recently reopen a loan from 2 years ago and more violations. This ground for removal they also violated my rights under : 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.

Also neither the bureaus or the company on dispute marked my account " under dispute '' as per FCRA 623 ( a ) ( 3 ) Account disputed : XXXX XXXX XXXX issues : Violations in my credit report. 

All violations have been circled.
Consumer complaint received 2021-11-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I was a victim of Identity theft. I submitted documents here and to the credit bureau. I just had to obtain a new driver license number because someone is using my name everywhere. I was just informed that XXXX XXXX had a data breach and my information was stolen as well on XXXX XXXX 2021. In XXXX someone surrendered my XXXX license for a XXXX ID. I have been forced to live like this I would like for the credit bureaus to remove my disputes. I have sent in all my personal information correct name and address and Transunion and XXXX will not update my information. Even according to XXXX my information is e erywhere.
Consumer complaint received 2022-10-11
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: DigniFi (FL)

I sent a letter to Dignify XXXX XXXX because I only use the card in XXXX XXXX of XXXX XXXX in XXXX, FL for the amount of {$290.00} for change of air conditioning filter and change of transmission oil and the statement reflects a debt of {$2900.00}. I was already paid {$1000.00} for a charged of {$290.00} on XX/XX/2022.
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 — Was not notified of investigation status or results
Company: I.C. System, Inc. (MS)

I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties. This looks SUSPICIOUS AND DECEPTIVE ; I demand proof TO SEE valid authorization/proof of alleged debt. Reporting without valid proper disclosure requirements is in direct violation of my consumer rights. I XXXX XXXX, legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these regulations by the FTC U.S C41, et Esq. I am maintaining a careful record of my communication with your company.