davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-22
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (IL)

We opened a Bank account in Wells Fargo Bank in XXXX, IL branch. On XX/XX/2021, we received an XXXX amounting {$55000.00} for the services we delivered to a company. We got to know that by mistake the sender company wrote a different company name as beneficiary. Wells Fargo refused to release the funds and asked for a contract and the proof. We provided all the documents but still they refused to release the funds. 
The XXXX and all the staff were very rude. 

We told them to reverse the payment to the sender, so they can send again with a changed beneficiary name. But, Wells Fargo is not returning the funds back or releasing the funds to us, which clearly means they're using our funds. 

It is my request to help me with this. This amount is heard earned money and either they can reverse the payment or release. They can't hold our money like this.
Consumer complaint received 2023-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

I reviewed my credit report and noticed the following issues on my credit report : XXXX  XXXX XXXX THERE ARE SEVERAL INACCURACIES 1. The high balance IS INCONSISTENT WITH THE OTHER BUREAUS. The reporting information is supposed to be the same and accurate across all three bureaus please delete this account immediately!

2. The date opened is inconsistent with the other bureaus and is supposed to be accurate across all three bureaus please delete this account immediately!

3. The last payment date is inconsistent with all three bureaus and it's supposed to be accurate across the three bureaus please delete this account immediately!

4. The account type is inconsistent across all three bureaus and is supposed to be accurate across all three bureaus. Please delete this account immediately!

5. The credit limit is not reporting the correct information and should be reporting accurately across all three bureaus. Please delete this account immediately! 

Please investigate and provide proof on how this account was verified. and delete this account immediately.
Consumer complaint received 2018-08-22
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)

I recently disputed ( see attached letter ) with XXXX XXXX XXXX an account entry that they placed on my credit report without providing a dunning letter or any correspondence that would have allowed me 30 days to dispute the validity of the alleged debt. To date, I have not received any communication from them. They are blatantly violating my rights by reporting this inaccurate, erroneous, unverifiable entry. 

Additionally, this account entry does not reflect a payment history which should be included on any entry that is reflected on my credit report. In my previous communication to them, I specifically requested that they provide an agreement that states their authority to collect on the alleged debt, agreement with signature of the alleged debtor wherein he/she agreed to pay the creditor, alleged account number, date this alleged debt became payable, original delinquency date, and to date to no avail. 

As such, since they have refused to respond to my request and not provide any documentation to substantiate their allegations, coupled with the fact that they did not provide me a dunning letter is grounds for this erroneous, inaccurate, unverifiable entry to be deleted from my credit report.
Consumer complaint received 2022-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2018-08-31
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: Home Loan Center, Inc. (GA)

On XX/XX/XXXX, I submitted basic personal information and income on XXXX for the purposes of refinancing an auto loan. 

During the process, the online service asked me for the last 4 digits of my SSN. Also, it stated this was not a hard pull of your credit and wouldn't affect your score. 

Since submitting my information XXXX  ( loan service provided affiliated with XXXX ) has sent my information to banks and they are hard pulling my credit. 

I have called the banks which directed be to contact XXXX which in turn directed me to contact XXXX XXXX. They admitted that it says that in the process but in the T & Cs, it says they sell the information to external vendors who with basic personal information and the last 4 digits of my SSN, retrieve my full SSN and start applying on my behalf. 

This is completely deceptive practices and adversely effected my credit. I am hoping the CFPB can step in and resolve this terrible practice.
Consumer complaint received 2018-08-31
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (OK)

I get repeated phone calls from different numbers related to the company I have my student loan through. Today, XX/XX/XXXX, I have already received 4 calls as of XXXX. Yesterday, XX/XX/XXXX, I received 6 calls for the entire day. They will also call me using different numbers either out side of my state or in my state.
Consumer complaint received 2018-08-31
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC (OK)

XXXX hired a 3rd Party to get people to switch phone companies. It was a better offer, so i decided to go with the plan.I went into the XXXX store to get the phones activated and the people in the XXXX store told me the 3rd party had done the switch wrong, so they told me they would cancel the first account and create a new one and notify the 3rd party what had been done. Apparently, the 3rd party was never notified so I was being charged on that account as well. This was all done in 2014 and XXXX XXXX is not showing a date of last activity on my credit report.
Consumer complaint received 2018-08-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A. (CA)

My Citi Debit Card number XXXX XXXX XXXX XXXX My Citi account number XXXX My name is XXXX XXXX. 
Citibank started to charge me monthly fee {$25.00} each month without any prior notification to me. Previously the fee schedule was without monthly service fee. 
The loss is summarized below : I was charged XXXX dollars on XX/XX/XXXX. 
I was charged XXXX dollars on XX/XX/XXXX. 
TOTAL XXXX dollars. 
I closed my account on XX/XX/XXXX when I noticed these unauthorized fees in my account.
Consumer complaint received 2019-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SIMM Associates, Inc. (NC)

Simm Associates said they would delete their entry on my credit within 60 days of XX/XX/2019. As of today their reporting remains on all three bureaus. They need to resubmit delete request immediately. Their original response is attached,
Consumer complaint received 2022-07-21
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A. ()

Good morning, I have a savings account at Citibank. I live in XXXX and was trying to make a transfer from my Citibank account to another account which is mine also. The system asked me for a phone code but I did not receive the code because apparently was missing indicative numbers. So I updated my phone number and now Citibank requires that I have to wait 14 days to be able to make the transfer because I updated my phone number... I think this is too long for updating a phone number and I really need to use my money. I understand that they have their security policies but this is the longest time a bank has required me to wait until I can make a transfer. Is half of a month.
Consumer complaint received 2022-07-21
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: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, # XXXX, # XXXX, # XXXX, and # XXXX, has violated my rights. 16 U.S.C 1681 section 602 A. States | have the right to privacy. 16 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.
Consumer complaint received 2022-07-21
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC. (MI)

The computer generated system is flawed and does not factor in willing and ability to pay. 
As the rest of the world everyone is going through financial hardship as rates and prices and daily living continue to rise. It needs to be factored in that everyone is experiencing this trouble we need a closer look at how banks are continuing to profit making large dollars amounts on interest rates, overdraft fees and other hidden fees that are that is making it hard for every day Americans to get ahead and at least save a little bit. We all need help while big banks continue to profit off of us.
Consumer complaint received 2021-06-24
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: The Bureaus, Inc. (TX)

THE BUREAUS , INC . 
After having asked for verification of the debt, that was never provided the third party debt collector changed the comment to say that it has been assigned to an attorney. This is a threat of legal action that they can not take or intend to take. This is a clear violation of the fair debt collection practices act, and they must be blocked from further credit reporting immediately and indefinitely. Cease all collection attempts including but not limited to credit reporting. Have a nice day.
Consumer complaint received 2022-07-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: PNC Bank N.A. (TX)

My original bank ( BBVA ) was acquired by PNC and the info on file did not transfer over correctly, which has left me without access to my account. I was told by a rep that there is NO credit card account under my ss number. I know this to be incorrect so I had been making payments via paper statements. Once those stopped coming in, I went to a physical bank location and was told that the SS # on file did not match mine. I submitted a copy of my ss card, as directed by the bank mgr, but it appears that my credit had been rerun on XX/XX/22 WITHOUT MY APPROVAL. Months later and the issue has not been resolved and I still do not have access to pay my account. 
Due to all this, I have not been able to make my payment. I have no physical way of paying, it was not due to lack of trying. My account is currently showing as late but this issue lies with the bank.
Consumer complaint received 2020-06-14
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: WELLS FARGO & COMPANY (NC)

XX/XX/2020,,, Cont,,, Issues With Wells Fargo Bank,, I Did Received Two Responses Back From Them,, One Letter Came From,, Wells Fargo,, With The Black,, Logo,,,, ( XXXXXXXX, Executive Office Case Specialist,, XXXX Complaints,, Second Letter Came From Same Company,, One Letter Dated XXXX, XXXX,, 2020,,, Other Letter Dated XX/XX/2020,, From,, Mrs XXXX,, Escalated Complaints Specialist,, Centralized Line Of Business Escalated Complaints,, And, About, XXXX, Today I Sent A Email To The Company, XX/XX/2020,, Due To The Covid19,, I Needed Some Emergency Assistance To Help Me With My Family ( Hardship ),,, They Did Not Response Yet,, My Bank Account Is Still In The Negative,, XXXX,, Why? And When You Go Line There Isn't Anything About Emergency Assitance It Not Offer To Me As A Loyal Customer?,
Consumer complaint received 2018-08-31
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: BB&T CORPORATION (NC)

XXXX XXXX XXXX {$9700.00} Opened XX/XX/XXXX Closed XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX va XXXX XXXX XXXX XXXX I was the cosignor on this account to help someone obtain a vehicle. The vehicle was repossessed. The primary signee tried to make attempts to get low payments the company refused.
Consumer complaint received 2021-11-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (IL)

I've been a customer for XXXX  years and I've been told to avoid fees to keep my balance above {$1200.00} but it has changed to {$1500.00} and I wasn't notified. I've increased the balance now that I'm aware but I request the {$36.00} back in fees that I was charged and was told they could not be refunded.
Consumer complaint received 2022-07-21
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. (TN)

XXXX and Equifax Reporting systems, are purposely dropping my scores because of the complaints that I have filed against them. Yesterday XX/XX/2022, nothing changed on my report before I filed the complaint, and they dropped my score XXXX points, that took me to a XXXX. I am XXXX years of age never owned a home, was in the process of applying and my score was hit very badly. I am not even in the running to apply now. I was at XXXX  with some XXXX collections and once they were remove over a year ago, my score went down as low as XXXX  and never rose again. The credit reporting agencies are destroying my life, they have me severely stressed and they have all the control and refuses to do the right thing. They started taking my score even lower once I filed the complaint against them. They didn't move old addresses, they didn't move a medical collection that I presented how they violated my HIPPA rights by exposing my medical records without a HIPPA release, but instead of them deleting the company they sought out a credit card that was the same before I filed the complaint, and said that's the reason for the XXXX  point total drop.They never sent me the actual person that they spoke to or communicated with, they just stated verified. How is this even so? I don't know what else to do, but to keep filing a complaint until they correct all the wrongs that they are causing on my reports. I have no been late on any of my accounts. thank you for all and any assistance that you can give me. These companies needs to be reprimanded for all the wrong that they are doing. They are seeking out certain XXXX and taking them down to a level where they can not accomplish anything. I have to say this but its all true. Please investigate them for this, please make them supply my reports. Again, thank you.
Consumer complaint received 2022-07-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: ALLY FINANCIAL INC. (TX)

I purchased a vehicle from XXXX on XX/XX/22. It was financed through Ally. Ally 's XXXX  app reflects an interest rate of 6.00 % on my customer dashboard. However, the correct interest rate is 5.99 %. 

The billing statement provided by Ally, dated XX/XX/22 does not provide ANY interest rate. The billing statement also does not reflect the itemization of principle and interest charges. 

Ally intends to apply my auto loan payments at the incorrect rate.
Consumer complaint received 2022-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo re-aged a derogatory auto loan and is reporting the first date of delinquency incorrectly as well as not reporting the complete payment history and codes for the months. The auto loan was first delinquent in XX/XX/XXXX. They are reporting the first date of delinquency in XXXX, thus extending the length of time this item will remain in my credit file. I have tried several times to get this information corrected. However, they continue to supply the incorrect information to the credit bureaus.
Consumer complaint received 2020-11-11
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. (AZ)

XXXX XXXX Is reporting that I owe {$280.00} acc # XXXX and {$490.00} acc # XXXX The accounts show that the account was opened XX/XX/XXXX, and the other XX/XX/XXXX which is incorrect, It was requested that proof and validity of debt was provided, and sufficient evidence was not provided
Consumer complaint received 2018-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (MS)

i sent a letter to XXXX XXXX on the XXXX of XXXX concerning a account that is reporting i owed XXXX, asking them to verify this negative item belong to me.i know that they have 30 days to respond to this request before its considered a violation
Consumer complaint received 2018-08-31
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CT)

Paid {$2000.00} ( XX/XX/XXXX ) for a property rental to a Chase Bank account customer XXXX XXXX XXXX Account No : XXXX Routing No : XXXX. The Chase bank customer was not the owner of the rental property and was confirmed by local authorities as a criminal/fraud. Upon my discovery of the fraud, I immediately contacted my bank to inform them of the criminal activity. My bank charged me {$110.00} for a routine recovery request and contacted Chase. Chase 's response was there were insufficient funds in the account for the recovery. 

Chase Banks failure to have adequate policies and procedures in accordance with the Bank Secrecy Act ( Anti-Money Laundering Act ) has resulted in a financial loss of {$2000.00}. Local authorities have confirmed this criminal has repeated this transaction on multiple occasions. Chase 's lack of compliance with Customer Identification and Know Your Customer standards has directly resulted in a {$2000.00} financial loss.
Consumer complaint received 2021-08-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (CA)

Commonwealth Financial refuses to remove this medical bill from XXXX from my credit report, they put it on my credit report with no notice in middle of XXXX and didn't give me an opportunity to give them the facts of this case.

The original creditor cancelled the debt and sent me and them a letter and they refuse to listen to them. They refuse to verify information, refuse to give me any information on this debt. I had to go down a rabbit hole to find out what this debt was and the debt is not even mine.
Consumer complaint received 2020-06-11
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (MD)

Because of rules the CFPB enforced on Paypal, I am unable to refund someone a transactions because of " low funds ''. Paypal is forcing me to sign up for an account I don't want. I want to refund someone back their money, and paypal isn't allowing me to do so. I think they could easily refund the transaction based on the law, but they are not interested in being fair.
Consumer complaint received 2018-08-30
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC. (SC)

Ally Financial Inc. is providing inaccurate billing for the month of XXXX 2018 balance due is {$1800.00} with late charges of {$100.00}. In addition to inaccurate billing each statement is showing a remaining unpaid balance of {$19000.00}. I received a letter dated for XX/XX/2018 from XXXX XXXX, XXXX Customer Relations in reference to a complaint file on XX/XX/2018 through Consumer Financial Protection Bureau for a fraudulent loan. In the correspondence and based on the review on my account, Ally believes they are furnishing accurate and complete information of credit experience with the account.
Consumer complaint received 2018-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: WELLS FARGO & COMPANY (MI)

my complaint is with you. I receive e- mails from you, I have a case number but when I call to give you up dates you say you have no records of my case under my name or e- mail address. WHY? my case number is XXXX if I do not exist how is it you send me e-mails