davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OR)

I have had multiple fraudulent things come up on my credit account in the last year and half. Ive had to dispute them, file police reports, and consistently call the companies and credit bureaus to notify them of these situations. The last one that took place is a {$600.00} collections on my account for a credit card company that I have never signed up for. I called the collection agency, credit bureau, and tried to submit my police report Information MULTIPLE times on Experians website that does not work at all. Then when I tried calling multiple times couldnt get through to even talk to anyone because the automated system wouldnt allow me a real person and would hang up on me. I have frozen my credit account, taken all the necessary steps to get this fraudulent thing removed and the credit bureau keeps denying my dispute. I have tried to contact them for help, and clearly you can see on my account it has been compromised multiple times before, not only that, I told experian and the collections agency that the email and addresses this person used to sign up for a credit card doesnt match any of mine and they still have the address wrong on my credit report! I need to file a complaint against the credit agencies on how extremely difficult it is to get in touch with someone for guidance on what to do, terrible website, and lack of communication. I need this issue resolved and removed off my credit report and need the credit bureaus to better assist with this.
Consumer complaint received 2022-08-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (FL)

Good Afternoon Sir or Madam, I need some help battling Amex. Amex has charged me a fee " residual balance fee '' after I have paid my outstanding statement balance in full before the due date. Amex said it is a " residual balance fee '' which is NOT disclosed anywhere on the account agreement/disclosures. Not sure how many more consumers/debtors are being charged this bogus fee, but this needs to be investigated and brought to light. 

Amex account disclosure can be viewed here : XXXX XXXX XXXXXXXX I am available to discuss this matter any time. Please call me at XXXX? 

Thank you! 
XXXX
Consumer complaint received 2023-03-21
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: CREDIT ACCEPTANCE CORPORATION (VA)

XXXX {$10000.00} I traded in my XXXX XXXX XXXX for a XXXXXXXX XXXX XXXX. The car broke down the first week. There mechanic fixed the problem but it still broke down. We contacted XXXX XXXX he gave me my XXXX XXXX to drive until the repair was done. But still had issues with the truck. It had problems already when we got it. 

XXXX {$12000.00} XXXX XXXXXXXX XXXX it had problems with it as well abs fault light is on and the car needed a core pack. Contacted XXXX XXXX about he never fixed it. So we had to. And the price for it was not what he said and its not a match on XXXX. Also he never registered the vehicle to dmv. 

I contacted Credit Acceptance about both of the vehicles and I try to get in contact with XXXX phone about the car so he would tell me where it was located and the representative I spoke to she wrote everything down. And also when I told them about the problems I was having with the XXXX XXXX the representative told me that they can come and pick it up and resell it so I was never contacted letting me know that someone came or called a mechanic about the XXXX XXXX and they said that it was not worth them picking up. I also told them about the price of the XXXX XXXXXXXX XXXX and the price was way too high is not the same on XXXX and I needed it to be down
Consumer complaint received 2022-08-19
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Navient Solutions, LLC. (FL)

I enrolled at XXXX XXXX XXXX in XXXX I was told that they had 90 % placement after graduating and this was a recognized university. After graduation I planned on enrolling in military as an officer and found out that they are not recognized and my Bachelors degree was not from an accredited University. The hours and classes at this college can be anytime 24 hours and schedules change every month so it was impossible to get a job so they suggested that you take living expenses from the private loans. At the time I was only XXXX and my mother who co-signed was not a college graduate herself and we feel like we were misled into paying for a non accredited college. This has completely ruined my life. I will be in debt until I die. The original loan amount was $ XXXX I owe $ XXXX and I have been making my payments on time for 15 years. My loan originator was Sallie Mae now Naviant. XXXX XXXXXXXX owners recently celebrated their XXXX earnings. This college is a fraud and scams thousands of young adults every year also trapping their cosigners. I hope there are lawsuit against them just like I am seeing lawsuits against XXXX XXXX. Thank you for your efforts and I hope this can be brought to light.
Consumer complaint received 2024-10-25
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/year>, on XX/XX/year> and on XX/XX/year> the Bank processed wire transfers that we did not authorize. The amounts were : {$4900.00}, XXXX, XXXX, $ XXXX. 
On XX/XX/year> and XX/XX/year> the Bank cancelled two other wire transfers, {$4900.00} on XX/XX/XXXX and XXXX on XX/XX/XXXX. On XX/XX/XXXX we went to our branch to complain about the wire transfers that we did not authorize and to close our accounts. The Bank told us to call the Wells Fargo main number, which we did. We talked to a bank representative on the telephone and asked to close our accounts and complain about the unauthorized wire transfers. The bank representative froze our accounts and told us we needed to go to the bank to close our accounts, which we did the next business day and at time we filled a formal complaint with Wells Fargo Bank. Subsequently the bank wrote to us telling us these unauthorized transferrs where not their fault. These wire transfers were sent to a bank account in XXXX XXXX. On XX/XX/XXXX the Bank told us nothing could be done about these wire transfers because the money was no longer in the XXXX XXXX bank account.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MA)

I received an alert from my credit card XXXX that another credit card was seeking my credit history which i did not authorize. i was informed by credit agency to contact the FTC online which they directed me to Consumer finance. gov.
Consumer complaint received 2022-08-19
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I disputed XXXX account due to some fraud, but nothing happened in over 90 days. The dispute started around XXXX of XXXX. I was notified by my landlord that I had to move and found myself XXXX  due to the housing situation. I needed to raise my scores. I elected to settle with XXXX without prejudice until I am no longer XXXX  and can deal with it. I am the XXXXXXXX  of a XXXX  XXXX person so I had to set my priorities. 
I obtained a settlement letter, paid the amount, and have proof that they have cashed the agreed upon amount yet after the the settlement was made the account is still being reported incorrectly on my credit reports. I have worked very hard to resolve this and yet I can not get an accurate rendering of the account on my credit reports.
Consumer complaint received 2022-08-19
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. (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 2022-11-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (FL)

I was notified that I needed to submit documents to verify my identity to basically unlock my account. I went to the local chase branch supplied my ID my debit card and all the incorporation documents that I was provided from the third-party service that did the filing for my business. After submitting the documents I was told that the bank review team would either approve the account and keep it open or close it and mail me a check. Neither of these things happened. Instead I waited two weeks for a check to come once I noticed that the bank account was closed. As I was told I should expect a check in the mail. After waiting two weeks and no check was received I contacted chase business customer service by phone and was told that they were holding my funds due to an issue with verifying my address. This was never proactively told to me I had to call in for this information they held my funds for over a month now with no resolution other than to Open accounts or register the business with the current state I am in which would require additional funds out of pocket. My other bank accounts have gone in the negative and Chase is charging me nonsufficient fees regarding these accounts in my automatic payments which are at their own fault for not releasing my phones. They prevent me from operating my business efficiently and able to invest further to generate additional revenue
Consumer complaint received 2022-10-14
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: TD BANK US HOLDING COMPANY (FL)

Nordstrom lowered my credit limit from {$7500.00} to {$1000.00} without notifying me in violation of federal law. When I looked at my credit report and saw this decrease, which had a negative impact on my credit score, I called them and asked them why they had decreased it as I had received no notice. The representative informed me the limit was decreased due to inactivity. I informed her that I never received any notification that it would be decreased, and explained that previously when Nordstrom had threatened to do this, they sent a letter notifying me and I subsequently called in and told them that I did not want the decrease, and they kept it the same. In this case, I informed her I never received anything. She told me that something was sent, and I requested a copy of it. She could not locate or produce anything to provide to me, and when I asked about why not, she went to speak with her supervisor who said Nordstrom was not obligated to send me any notice. She said they were only required to send notice if an account was being closed. When I explained that had not been the previous practice ( as I had previously received notice that the limit was decreased ) she expressed ignorance to this practice. I said it made no sense that they would inform a consumer of their account being closed, but not that the credit limit was decreased, which had an adverse impact on my credit score. I told her federal law requires consumers to be notified of any action that might have an adverse impact on their credit score. Adding insult to injury, when I requested a credit increase I was denied and told it would not increase unless I made months of purchases on the card, which is extremely predatory. I never received notice that the limit would be lowered, then when the limit is lowered ( which decreased my credit score ), I am told the only way to increase it is to make purchases with the card for approximately nine months. This lack of notification, which violates federal law to inform consumers of adverse action impacting their account seems design to engender additional credit debt in a predatory fashion is egregious, which is why I am filing this complaint.
Consumer complaint received 2023-06-13
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: Experian Information Solutions Inc. (FL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-17
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: Experian Information Solutions Inc. (NY)

Experian is in violation of section 605a USC 1681 c-1. I have submitted my FTC report and supporting documents about a fraudulent account and address that is reporting on my credit report since XX/XX/2022, well over the 30 day allotted time. 

Experian has not blocked or removed this information as of yet and has pushed my investigation close out time back 3 times, which is also a violation of the fair credit reporting act. The company XXXX XXXX has not assisted with removing or sending me any information in reference to this fraudulent account. 

They responded to CFPB in my last complaint that they would send me an identity theft affidavit to sign and return and they still have not done that.
Consumer complaint received 2022-06-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have disputed the below account multiple times because I have no knowledge of it. I have asked for correspondences to be mailed that proves this account belongs to me to no avail. Transunion refuses to provide me with evidence from the furnisher that proves I have an open account with this company. 

XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2023-04-17
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 ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: M&T BANK CORPORATION (MA)

I have a checking account that had electronic withdrawals taken out under the guise of " XXXX XXXX ''. I have never used XXXX XXXX. Some how someone was able to get my account number and then withdraw money without my authorization.
Consumer complaint received 2023-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

I reviewed my Consumer Reports and noticed that I had late payments on some accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX  I have never been late on payments for the accounts : XXXX XXXX Balance : {$26000.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-10-14
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. (OH)

Inquiry from XXXX XXXX on XX/XX/XXXX. 
I previously disputed this inquiry stating : " There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. ". I don't agree with the results of your investigation. 
Please mail me the proof of your investigation and proof that this lender was authorized to make this inquiry, or delete this inquiry. 
Inquiry from XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 
Inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX. 
There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
I previously disputed this inquiry stating : " There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. ". I don't agree with the results of your investigation. 
Please mail me the proof of your investigation and proof that this lender was authorized to make this inquiry, or delete this inquiry. 
XXXXXXXX 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 2024-10-24
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: TRUIST FINANCIAL CORPORATION (NJ)

Formal Complaint Regarding Unresolved Issues with Account XXXX XXXX XXXX, I am writing to formally express my dissatisfaction with the handling of my account following my initial contact on XX/XX/year>. Despite filing a complaint, I have yet to receive a satisfactory resolution. 

I believed that the payment arrangement set up by the company would suffice to pay off my promotional financing within the designated time frame. However, I was not informed that this promotion ended in XX/XX/year>, resulting in an unexpected charge of {$2700.00} in interest. Had I received timely notification or a clear statement during the month the promotion ended, I would have settled the balance accordingly. I offered to pay the full balance and asked to resolve the interest charges in some manner but was completely shut down. 

Furthermore, the information regarding the promotion 's conclusion is obscured on the back of your statements and is not prominently displayed on the front. This lack of transparency is unacceptable and has led to my being misinformed about the status of my account. 
My recent interactions with the representatives were curt and unhelpful, and I was informed that my opportunity to address this issue had expired with no options for resolution. This is particularly disappointing given that my financing was arranged through XXXX via XXXX XXXX, and I believe that customers deserve better communication and support. 

I urge the CFPB to require policies regarding notification and transparency for promotional financing. It is only fair and I would say vital that customers are adequately informed about their accounts that have promotional financing and that have what I consider predatory interest rate charges to prevent situations like this from occurring. There should be a law that requires companies to send a 'final warning ' notice 30 days prior to the termination of a promotional plan before a 17-18 % interest is assessed which could amount to thousands of dollars.

I hope for a response addressing my concerns and hopefully resolution to this matter.