davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-23
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: WELLS FARGO & COMPANY (FL)

My car loan was thru Wells Fargo Bank. I paid the car loan off in 6 months, when I traded the car to a car lot and purchased a SUV, because my husband had to have XXXX XXXXXXXX and was no longer able to get into the smaller car. 
The loan had gap insurance and a warranty service that was purchased with the car, but the service contract was for 72 months. since it was also paid off early, they owed me a refund from the insurance company. The insurance company sent the refunds to the car dealership where I had purchased the car and the insurance. The dealership paid me the warranty refund from the insurance company but said Wells Fargo would refund the gap insurance. I called them to ask when I could get my gap refund. I was told as soon as the insurance company paid them, they would send it to me could take up to 120 days. at this time, I did not know the insurance company had paid both refunds out on XX/XX/22. This shows the man lied to me and presented false information to me the consumer. Wells Fargo wrote a letter to the XXXXXXXX XXXX and said they were not to pay me, they would pay it to me, the gap insurance, so I went to Wells Fargo, got a run around about they had not gotten it, it takes a while thru the system, a man named XXXX was very rude when I called on the phone, He informed me I was on day 73, of their process, so I still had a while before they would pay me. I recieved a call from a lady named XXXX, she said she would check into and get back to me within 10 days and try to get this settled, Well it has been ten days and no word. I am over XXXX XXXX XXXX, I am XXXX, taking care of my XXXX husband who is XXXX XXXX XXXX. They have over XXXX XXXX dollars of my money and I am getting no where in getting it back. I have a letter to show proof it has been paid on XX/XX/22 Wells FArgo says they are not using our money, so if that is not the case then why are they not paying us since they were paid by the insurance company. It should not take 4 months to send us our money. They did not have to take it from the dealership since the money was not theirs to begin with, the dealership sold us the insurance, but for some reason the wells Fargo Bank took it saying they would pay us. Can you please help us get our money back. I know I could not b e 4 months behind if I owed them money now could I. Thank you for your help
Consumer complaint received 2022-04-25
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)

i did not authorize nor consent to the following inquiries being furnished on my consumer report. XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Bank XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX Loan Companies XX/XX/XXXX XXXX This is a violation to all 3 credit report agencies XXXX, equifax, and XXXX.
Consumer complaint received 2022-04-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ND)

In acordance with the fair Credit Reporting Act XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX XXXX XXXXXXXX XXXX, has violated my rights 15 U.S.C 1681 section 602 A Staes I have the right to privacy.

15U.S.C 1681 section 2 : It also states a consumer reporting agency can not furnish an account without my written instrctions
Consumer complaint received 2022-07-23
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. (IL)

I just got an updated copy of my credit report and noticed a bunch of hard inquiries that I do not recognize. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (GA)

On Friday XX/XX/XXXX I agreed to purchase a XXXX Certified Pre owned XXXX XXXX from XXXX XXXX in XXXX, XXXX XXXX XXXX our salesman, informed us that dealership advised that the best deal they could give us was to finance the vehicle at 7.9 % APR with Wells Fargo XXXX This was a pre-approval. As a result, we informed him, on that day, Friday, XX/XX/XXXX, that we would get XXXX XXXX XXXX XXXX ( NFCU ), our credit union, to do the financing. At approximately XXXX, XXXX introduced us to a representative in the financial services department named, XXXX XXXX XXXX was responsible for the contracts and paperwork. We advised XXXX that we would finance through XXXX XXXX XXXX XXXX ( XXXX ). He, stated, OK, but in order for you to drive off the lot with the car, I will need you to fill out a series of forms until you get XXXX XXXX to agree to financing. I filled out the paperwork and they gave us the keys. We got home at around XXXX AM on XX/XX/XXXX. In less than 12 hours ( i.e., XXXX, XX/XX/XXXX ), I went into XXXX and the representative at our credit union told us to call, XXXX XXXXXXXX XXXX and find out if I needed to refinance or just get a regular auto loan. It was confirmed with XXXX that we could just do regular auto loan financing because, it was late, it is the weekend, and no paperwork will be sent off, we can just void everything. Just give us a check for {$25.00}, XXXX. By noon give or take an hour, on XX/XX/XXXX, I secured a Finance agreement with XXXX for the XXXX XXXX XXXX at 6.9 % APR financing on a car loan for {$25.00}, XXXX. The XXXX representatives handed me a check for {$25.00}, XXXX made out to XXXX XXXX XXXX for the XXXX XXXX XXXX. I went back into XXXX XXXX with the check for {$25.00}, XXXX. I handed the check to XXXX, he had me endorse it on the front and the back and signed it off to XXXX XXXX XXXX. Knowing, I had purchased GAP coverage for {$1200.00} the night before ( i.e., XX/XX/XXXX ), I requested a refund for the {$1200.00}. XXXX refused and said that, if I give you {$1200.00}, I will have to request that you add {$1200.00} back to the balance of the vehicle because that cost was rolled into the price of the loan. This was invalid because I paid for that separately. Needless to say, by Tuesday, XX/XX/XXXX, I received a letter dated XX/XX/XXXX from Wells Fargo that I entered into a retail installment sale contract dated XX/XX/XXXX in the amount of {$26000.00} for 72 months at a rate of 7.04 %. 
XXXX XXXX  XXXX took my {$1200.00} for Gap coverage that I did not need, {$25.00}, XXXX from XXXX XXXX XXXX XXXX and then, sent paperwork to Wells Fargo for {$26000.00} on a vehicle that was already purchased and paid for by me for {$25.00}, XXXX. Please remove XXXX XXXX invalid agreement from my credit record and have XXXX XXXX XXXX send me a check for {$1200.00}. I do not owe XXXX XXXX XXXX or Wells Fargo anything.
Consumer complaint received 2022-08-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (CA)

Due to computer issues I was not able to access Shellpoint 's response to complaint XXXX but this is a complaint to it. It's been 3 weeks since XXXX in escalations told XXXX from HUD and me Shellpoint would give 30 days to hold foreclosure and send a breakdown of the $ XXXX they say is owed - nothing has been received. XXXX also stated they would send me the {$52000.00} they receive from XXXX XXXX XXXX- they have not. Shellpoint says XXXX - XXXX is missing but they already stated they received XXXX - XXXX, XXXX, XXXX, backup has been sent. Shellpoint mentioned XXXX - XXXX was missing but backup copies of cancelled checks and bank statements were sent that they are ignoring. This proof of payments should lower the $ XXXX Shellpoint says is owed.
Consumer complaint received 2022-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CITIBANK, N.A. (OR)

On XX/XX/22 citi bank had a fraudulent inquiry placed on my XXXX credit report. I noticed them the same day this was pulled and they were to remove it- it has been over 60 days and it is still been deleted from credit report- XXXX says XXXX the responsibility of citi bank- Citi bank does nothing about I have disputed this several times
Consumer complaint received 2022-09-26
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. (MD)

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 homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2018-10-21
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. (VA)

" " '' I have disputed this Account XXXX XXXX XXXX   XXXX for months.XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
Consumer complaint received 2022-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CITIBANK, N.A. (MA)

CITIBANK was notified of disputes of accounts ending XXXX & XXXX and never resolved the issues. Accounts need to be deleted as in contains inaccurate/fraudulent information for which CITIBANK has been made aware of over 30 days ago per Credit reporting agencies claim with my disputes with XXXX, XXXX, XXXX. Regardless of my efforts to try to resolve the disputes with CITIBANK as I advised CITIBANK that these are Fraudulent accounts CITIBANK continues to ignore my request and to report this on my credit which is causing me a great deal of damages to say the least. CITIBANK is being negligent in follow consumer laws and FCRA laws.
Consumer complaint received 2022-08-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: U.S. BANCORP (IL)

USBank has an issue with their automatic payment system. Twice now we have had to change the payment details within 2-3 days of a due date. When doing this it FORCES you to not only pay the current amount due but also the next month 's payment ( roughly {$1500.00} ) even though it is not due for another 25+ days. Now, after the last time this happened and we were FORCED to make a double payment, the due date for our next payment was set to XX/XX/XXXX. Now today XX/XX/XXXX even though a payment is not due until XX/XX/XXXX it automatically took another {$1500.00} from us and set the enxt due date as XX/XX/XXXX almost sixty days in the future. This is unauthorized and is theft. The bank refuses to address this and we are not wealthy people with the ability to gift the bank {$1500.00} because they can not architect their online payment systems properly. We want the XXXX payment taken in XXXX without authorization refunded immediately.
Consumer complaint received 2022-07-23
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc. (NY)

Card ws hacked, unauthorized purchase, explained to Vanilla rep they said without gift card receipt I can't dispute it - card was a gift from elderly aunt, I don't have receipt and refuse to ask for one because she will fell terrible something wrong with card.
Consumer complaint received 2022-07-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (AZ)

I was living with a roommate she had access to all my information and she tried to remove my {$600.00} from my chime online banking account I tried to obtain my money for 3 months and they would not allow me to have it. I tried to obtain my money for 3 months while all the time telling them that I'm the one that started the fraudulent complaint they said I was not entitled to my money any longer and said they're keeping {$600.00}. I sent them a copy of my license I sent them a copy of my social security card I sent them a copy of proof of address and they still wouldn't release my funds what do I do how do I go about getting my money back please contact me at XXXX or my email at lowercase XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2022-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I have contacted the credit bureaus in regards to this incorrect reporting on several occasions. The incorrect reporting has cost me several financial opportunities due to the incorrect posting. I am asking that you assist me with clearing my credit reports of all the inaccurate reporting on my credit reports.
Consumer complaint received 2022-10-24
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BMO Bank, N.A. (FL)

I opened a XXXX  checking account with BMO Harris in XX/XX/2022 and completed all terms associated with a {$500.00} cash bonus. I had direct deposits totaling {$8000.00} during the evaluation period, greater than the {$7500.00} needed. BMO credited me {$300.00}, an amount associated with another lesser bonus. In an attempt to get BMO to resolve the problem, I called multiple times. Every one of the 4 times I called I could not make any progress toward a resolution. The employee that I got the farthest with said it appears that I did everything I needed to do to earn the {$500.00} bonus but he couldn't fix it or reach the department that could. XXXXwo calls were dropped. Once, I was transferred to a loud static sound. I have spoken with 4 people that were unable to help. I do not have hours to waste trying to contact this poorly functioning institution. I have completed the terms. BMO must follow through on its side of the agreement.
Consumer complaint received 2022-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (PA)

The account is closed and XXXX XXXX and XXXX has already collected their money from me. This account is CLOSED and PAID. 

PLEASE DELETED AND REMOVE FROM MY CREDIT REPORT
Consumer complaint received 2022-07-23
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: SYNCHRONY FINANCIAL (WV)

On XX/XX/2022 I noticed charges on my Verizon XXXX Card from XXXX. I contacted XXXX and managed to stop 4 of the charges however 6 others were still processed. I contacted the Verizon card Fraud department ( 15 mins after the charges were placed ) canceled the card and filed a report. The orders were placed to a company called XXXX ( i did attempt to contact them however never received a reply ) for at least 9 charges of {$190.00} for night vision camaras. All orders were Fraud and i explained to the investigators that as well as that it appears the orders were still being sent to me which made no sense. A claim was opened and i was told they would get back to me. I called multiple times after to check status of the claim and make sure it was understood that it was not me that placed these orders. On XX/XX/XXXX i received an envelope with a blank paper inside. The envelope had the tracking number that matches the orders placed in XXXX. I called again and informed them of this and was told that i did not need to send them Proof that they understood and were processing the claim and i would not be charged. Yesterday I found out that they closed the case and refused to reverse the charges because something was in fact delivered to me. I did manage to send them images proving the false packages but when i spoke over the phone to manages while they said they will reopen the claim it was stated the outcome will more than likely not change. The charges amounted to over {$1100.00} that i am unable to and should not have to pay.
Consumer complaint received 2022-08-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Wealthfront Corporation (CA)

I had a been with this bank for awhile they had suddenly closed my account at there discretions but before that I had my money deposited into this account from me doing a bank transfer into this account, and before they even closed my account I had done one more transfer to my XXXX account to be on the safe side once I did that bam my account was closed I couldnt log in on the app they had completely closed my account
Consumer complaint received 2022-07-23
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. (MI)

My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, XXXX has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account : XXXX XXXX XXXX on XX/XX/XXXXXXXX XXXX
Consumer complaint received 2022-04-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX, # 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. 

2.

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX, # 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. 

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX, # 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. 

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX # 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.