davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-20
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (GA)

I started the refinance process with Wells Fargo on XX/XX/XXXX. The loan is currently with Wells Fargo and has been with Wells Fargo since XXXX when the home was initially purchased.. The equity in the home is about {$550000.00}. I was refinancing for a lower interest rate without any cash being taken from the equity. I submitted all W-2s, paystubs, and tax documents that were requested and required on XX/XX/XXXX and XX/XX/XXXX. Wells Fargo pulled the credit report on XX/XX/XXXX. At that time our credit scores were XXXX each. Wells Fargo informed me that an appraisal would be needed. I questioned the need for the appraisal since they had the existing loan and knew that the equity in the home was greater than the outstanding loan. However, they insisted the appraisal was required. Again the loan process started on XX/XX/XXXX and all required documents were submitted within the first two days. The appraisal which cost me {$500.00} upfront was completed on XX/XX/XXXX, and I was contacted by Wells Fargo on XX/XX/XXXX that the appraisal value had been submitted to them. The appraisal was inline with the value I had given to Wells Fargo initially when completing the loan. After the appraisal the communication with Wells Fargo was sporadic. I spoke to the loan processor in on XX/XX/XXXX and was informed that there were underwriting concerns regarding income to debt. The income to debt information was available on XX/XX/XXXX and XX/XX/XXXX when the information was submitted via the loan application process. Nothing was going to change after that. On XX/XX/XXXX. I sent an email to get the status of the loan process. I received a response that underwriting did not approve the loan. I informed the processor that I had not received any documentation or communication from Wells Fargo regarding the loan declination and requested a copy of the letter. On XX/XX/XXXX I was informed that I would receive the declination letter from Wells Fargo. As of XX/XX/XXXX, I have not received any documentation from Wells Fargo regarding the loan and why it was not approved. I have since refinanced and closed with a different company and incurred and additional {$600.00} appraisal expense.
Consumer complaint received 2020-09-19
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. (MD)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-09-19
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. (DC)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2018-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Lender Inc (PA)

I started a self lender acct in XX/XX/XXXX for credit improvement. I agreed to pay {$50.00} monthly for 12 months, any the end of the 12 months I would get my money back, in the meantime each month when payments are mad it is reported to all 3 credit bereaus as positive reporting. On XX/XX/XXXX I received an email stating my acct has been closed, and I was notified my credit score dropped 120 points. When I contacted self lender they stated they would need to look into it, as I did my research I realized once my checking acct was closed due to fraud the payment did not automatically go through for XXXX. Self Lender reported that I had not made a payment since XX/XX/XXXX to all 3 CRAs! This information is inaccurate, and is currently and drastically effected my credit score. I have contacted self lender 5x and it has been over a month, and yet they still have no answer, and I was told they are working on the issue with their banking partners. This needs to be fixed ASAP or I am seeking legal representation!
Consumer complaint received 2020-10-21
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: FORD MOTOR CREDIT CO. (CT)

I ordered a new vehicle from XXXX XXXX, XXXX, CT. I was contacted on XX/XX/XXXX that my vehicle was delivered. I was sent the website link for Ford Motor Credit to apply for a loan to take delivery. I filled out the online application on XX/XX/XXXX at Ford Motor Credit. The website specifically explains my information will not be shared. On XX/XX/XXXX at XXXX XXXX  my application was printed and the information provided to XXXX XXXX XXXX  without my approval or notification. On XX/XX/XXXX XXXX XXXX provided me information for my insurance binder. It was at that time I was told I was financed with XXXX XXXX XXXX. I inquired why my credit was ran and shopped to other institutions. I was told that I authorized this with the consumer release I signed at the dealer when I ordered my truck. Since the dealership was closed due to covid I knew this was a lie. I did not sign any release. I decided to go forward with the purchase since I was without a car at that point since my car was sold to the dealer the week prior. On XX/XX/XXXX at delivery I was given the credit application to sign authorizing my credit to be ran. Obviously this was a moot point since my credit was already ran. I specifically did not want my credit ran multiple times and didn't care to get the " best available rate '' since my intent was to pay off the loan after purchase. I only took the loan for east of transaction. The loan was paid off the day after delivery. The second reason I do not allow my loan to be shopped it I own a small business. I do not allow my information to be shared as it could cross the desk of a local regional bank and be seen by a customer. Both XXXX XXXX and XXXX XXXX XXXX  ran my credit and shared my personal information without approval. I have worked on getting the additional inquiries off of my report for 6 weeks. The bank has not been supportive in getting the inquiry removed.
Consumer complaint received 2020-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (OH)

I XXXX XXXX got new insurance and they have a record of an at faulty accident against my driving record I have never had an accident. I am unaware of any information where this was suppose to happen or what was involved in this accident. Where did LexisNexis get this information my insurance agent XXXX XXXX XXXX does not have any record of this accident involving me, my Husband XXXX XXXX May have been involved in this accident I was not driving nor was I in the vehicle when this was suppose to have happened on XXXX XXXX XXXX reporting agency is XXXX./LexisNexis. My Birthdate is XX/XX/XXXX. I want this removed from my records. I have not been involved in any accident either at fault or not at fault. My phone number is XXXX if more information is needed you may also contact my agent drivers license number Ohio XXXX. Please resolve this problem. My new insurance is XXXX XXXX.
Consumer complaint received 2018-07-26
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: ALLY FINANCIAL INC. (FL)

UPON TURNING IN A AUTO-LEASE TERM, FAKE DAMAGE REPORT WAS SUBMITTED FOR PAYMENT? 
ALLY FINANCIAL finally wrote off the charge but will not remove my DELINQUENT REPORT FOR " 7 YEARS '' which reduced my credit FICO score by 100 points WITH XXXX REPORTING? 

YOU can't injure a Person 's Credit for " SEVEN YEARS '' [ CHARGE IS " SLANDER OF CREDIT STANDING? & DEMAND COMPENSATION FOR INJURE ]
Consumer complaint received 2018-09-11
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Exeter Finance, LLC. (NY)

I co-signed for a loan with my then wife for an auto loan. Fully realizing my involvement should such loan be in jeopardy of default. 
The loan company ( Exeter Finance ) has my personal information, inclusive of my phone number for contact purposes. After our separation, I kept Exerter Finance current with my personal information, ( of which my contact phone number has not changed, ever, even today remains the same. 
The loan was 30 days late twice, but Exerter Finance, failed to contact me so I could exercise my obligation and satisfy the lingering debt. Subsequently they have my credit file notated of a 30 day late payment without any personal notice. 
Ive contacted Exeter Finance to amend my credit report as I was not notified of my obligation either in writing or by phone. 
Exeter Finance representatives upon reviewing the file confirmed that my current phone number was the same as on the initial loan paperwork.
Consumer complaint received 2021-11-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (TX)

I was sent a letter in the mail from WellsFargo on on XX/XX/2021 informing me of my account being suspect of fraud. I did not receive the information until XX/XX/2021 as my mailing address is at my parents house and I am a XXXX. I followed up with WellsFargo the following day and found out a checking account was opened on XX/XX/2021 without my knowledge. There was no activity of the account other than it being opened. I have looked through my credit reports and have not found any obvious fraudulent activity including the opening of any bank accounts other than a slight drop in credit score. I am waiting for WellsFargo to contact me with more information into the case and was give a case number in the mean time.
Consumer complaint received 2017-12-18
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. ()

Since XXXX XXXX XXXX, I have been getting the error message : " Sorry, account temporarily XXXX. Please contact support. '' when logging in from my authorized device. My Case ID is # XXXX I have XXXX factor authentication enabled, so am not sure why this happened in the first place. 

I have had no issues with verification and have previously made XXXX purchases on my account. I messaged support via their website on XXXX XXXX XXXX and only received a holding response thanking me for my query, so I called up their support number on XXXX XXXX XXXX, got through after XXXX mins waiting. I was told that I had to " reset my password '' and that my issue had been " escalated to a XXXX ''. They sent me an email confirming this. I successfully reset my password but still have been unable to access my own account. 

Once again, I called support on XXXX XXXX XXXX, got through after an hour, but no support offered beyond reiterating the previous message that my issue had been escalated and I was asked to " be patient ''. No timeframe was given as to when my seemingly straightforward issue would be resolved. 

It 's been over a week now of having a significant amount of money tied up in my account which I can not even access. I am not sure when this will be resolved, will they grant me access to my account in a few weeks / months / years? 

This company seems willing to accept deposits, but does n't allow customers to even access their accounts - this raises questions as to their legitimacy.
Consumer complaint received 2020-10-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (AL)

I apologize for disturbing anyone who may read this complaint but enough is enough I am tired of Enhanced Recovery Company Reporting this alleged debt on my Credit Report. 

I initially gave them extra time to respond because we are under pandemic but not it's been too long it is inaccurate and even worse it is unproven!!!! The Date of last activity inaccurate the date of first major delinquency not consistent with the Alleged original Creditors date This alleged collection looks reage I contacted them via mail to get them to send me the 1099-OID for this report and they did not reply at all not even with the original creditor or any file that may have answers to questions I have about this Account. So now I want them to upload the proof Original contract with the third party clause naming them as the rightful owners of this alleged debt Furthermore Upload the 1099-OID Original Issue Discount to this dispute portal So far they have not answered any of these requests yet continuously report on my credit
Consumer complaint received 2020-10-21
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. (CO)

On XX/XX/2020 we purchased flights in XXXX with XXXX XXXX XXXX  for {$200.00}. We disputed this charge with the airline and they would not respond. We then disputed this charge with Chase Bank and they determined the charges to be valid. I've reached out to Chase multiple times with detailed information and they simply say they have closed the dispute and will not reopen it. 

Due to the COVID19 pandemic, we were unable to take our trip to XXXX. In XXXX and still to this day, the XXXX government has closed their borders to non-essential travel. Our trip was not a business trip and is not considered essential. 

We waited to see if we could reschedule our trip, but it is apparent that the borders are not going to open for international non-essential travel any time soon. We do not know what the future of international travel holds and we can not predict that we will be able to use any credit with a XXXX  airline in the foreseeable future. 

The airline does not answer their phones or respond to any other forms of communication. With this lack of communication, we can not even confirm the terms of any potential credit. 

Given the state of travel during this COVID19 pandemic, it is completely reasonable for us to receive a refund for flights that were never taken and can not foresee being taken in any reasonable timeframe. 

The US Department of Transportation states very clearly that domestic and foreign carriers should be offering prompt refunds for travel affected by COVID19. 

This carriers lack of responsiveness and willingness to provide a refund is in direct violation of this notice from our US Department of Transportation. I expect a full refund given the circumstances  and can not believe that Chase Bank will not honor this refund.
Consumer complaint received 2020-10-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (SC)

I closed my credit card within 1 month of annual fee billing. Since I had already paid the annual fee, Citi card representative told me that they will mail the annual fee back to me by check. 
However, I have never received the check.
Consumer complaint received 2020-10-21
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: VALLEY NATIONAL BANCORP (NY)

I paid my loan final payment to Valley National Bank on XX/XX/2020. They accepted the payment a few days later. They closed my account but have not sent me a verification of paying my loan. They also have not provided me my title and told me they do not provide titles for vehicle. When I first began my contract with Valley National they did not give me a title. When I told them they stated they will send one and they never sent it.
Consumer complaint received 2021-05-20
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The LGM Co., Inc. (OH)

LGM has repeatedly threatened legal action, and harassed us and our family members for payment of a vehicle that we have asked them to pick up for years. This vehicle was illegally approved for us as we had just filed bankruptcy when the car was purchased. We were talked into this by a reputable car dealer and only after we signed papers did we realize that we didnt buy the car from the dealer but from a third party car place. 

We have lived in the same home since XXXX and have never received any mail from them whatsoever. They claim they have sued us for the vehicle and say we are committing a crime. We have told them the vehicle is at our home and please take it. It hasnt moved from our address since we moved to this area. The car was eventually picked up and just now they are reporting to the credit bureau that we owe more than the car was purchased for. We have been denied a home because this showed on the report. And due to covid we need to relocate our family as we only have one income now. We have been given until XX/XX/XXXX to move and cant be approved because this has just now been added to our credit report. Please help us!
Consumer complaint received 2020-12-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (TX)

Care credit is charging and has been charging me late fees on the due date! They have been charging me extremely high interest as well on XXXX services that my XXXX pays for! I only use my care credit for XXXX services. Care credit took my {$2400.00} available Balakce and put it towards interest. My monthly payments went from $ XXXX monthly to $ XXXX monthly and they take most of that and use it as interest charges. 

My XXXX is aware of this and has confirmed several times that they pay my interest so credit shouldnt be charging me that.
Consumer complaint received 2016-08-30
Product: Bank account or service — Cashing a check without an account
Issue: Deposits and withdrawals — 
Company: PNC Bank N.A. (PA)

While cashing a PNC BANK CHECK at PNC Bank for a medical insurance reembersement I was charged a check cashing fee. This is essentially a fee with no service provided to the bank customer who issued the check and a fee extorted from me to get the check cashed or black mailing me into getting an account for the privilege of not paying a fee to get my own money. It is a pure money making scam with no service provide to the bank customer who issued the check.
Consumer complaint received 2018-07-25
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: EQUIFAX, INC. (TX)

I was advised to reach out to the FTC regarding the following accounts listed that are not mine. I have also reached out to my local police department and the creditors and have not been able to get this resolved. I'm reaching out to you all to see if you can help me with this. 

UNKNOWN ( Equifax : XXXX UNKNOWN Equifax : XXXX XXXX, XXXX XXXX XXXX ( Equifax : XXXX : XXXX, XXXX XXXX XXXX XXXX  ( Equifax : XXXX XXXX : XXXX XXXX : XXXX ), XXXX XXXX ( Equifax : XXXX XXXX : XXXX XXXX : XXXX ), XXXX XXXX XXXX XXXX ( Equifax : XXXX XXXX : XXXX XXXX XXXX XXXX  : XXXX ), XXXX XXXX XXXX XXXX ( Equifax : XXXX XXXX : XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX ( Equifax : XXXX XXXX   : XXXX XXXX : XXXX, XXXX XXXX ( Equifax : XXXX XXXX : XXXX XXXX : XXXX, XXXX ( Equifax : XXXX XXXX : XXXX : XXXX. I requesting the above accounts be removed from my credit report.
Consumer complaint received 2020-12-06
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. (FL)

I am sending letters to the credit bureaus and they have not responded, I have incorrect information on my credit report that hurts me, I have duplicate accounts and unauthorized inquiries.
Consumer complaint received 2020-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC (VA)

I bought a truck on XX/XX/XXXX with the loan lending company Westlake Financial Services. The truck was repossessed in XXXX and paid in full on XX/XX/XXXX when the account closed. I actually obtained money back due to overpayment of the account and was written a check by this company. I opened a dispute on XX/XX/XXXX for inaccurate information. On XX/XX/XXXX in retaliation for disputing information on my credit report Westlake put false information in order to drop my credit score over 70 points. Even though the account was closed on XX/XX/XXXX they placed my account back into repossession status for the months of XX/XX/XXXX, then again placed it negative in XXXX and XX/XX/XXXX. This is illegal and something should be done! Because they lied and placed my account in repossession twice after it was closed it has hurt my credit and kept me unable to get a mortgage. With all three credit companies they placed this false information and added the remarks that my account status was in active repossession and late by over 90 days on XX/XX/XXXX in clear retaliation. They flagged my account was delinquent saying there was missing payments. After making yet another dispute for false and inaccurate information they removed the remark on XX/XX/XXXX and closed the account and changed the account that all payments were caught up. It says I have made payments well into XX/XX/XXXX when the account was closed on XX/XX/XXXX. All of this is a violation of the FCRA, and the account should be removed completely from my credit report because of their illegal actions against me.