davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-23
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (CA)

I just learned of this in XX/XX/XXXX when I received bank statements that I requested going back as far as XX/XX/XXXX for a pending divorce I am in. Since XX/XX/XXXX I have been trying to acquire more documentation from Wells Fargo and they have stopped cooperating giving me what I am asking for as I think they know that they are liable since they sent me a mediation invitation letter. In my review of what I have been given so far, I am seeing the following wrongdoing on their part : *opening 6 bank accounts without my knowledge, presence or consent *failure to audit or flag these and a myraid of other WF accounts that my soon to be ex husband solely managed. I am seeing what looks to me like crimes of embezzlement, money laundering, money mueling, identity theft, fraud, tax evasion etc.and WF Bank did not catch any of it because they were with not auditing/flagging accounts or someone on the inside of the bank was turning a blind eye and allowing it all to happen *failure to report submit and IRS Form 8300 's and failure to report to XXXX XXXX ( XXXX XXXX XXXX XXXX ) regarding all deposits that were made over XXXX ( or increments totaling XXXX ) within a 15 day period between XXXX and failure to report to either entity suspicious banking activities *Wells Fargo cashed and/or deposited a bunch my payroll checks that my ex took fraudulently endorsed without my knowledge or consent.

*Wells Fargo allowed multiple debit cards in my name to be used at the same time without raising a question, so it is clear that my ex was using or allowed his girlfriend of 5 years to use my card ( he was living a double life during our marriage ), whilst I was using the another debut card with my name on it that he gave me, telling me that my old card was no good anymore ( which clearly I now know was a lie ). 
*I believe that my soon to be ex had a bank employee on the inside helping him to facilitate white collar crimes and may have been getting paid some hush money to turn a blind eye. I am speculating this but I do not know how my ex got away with everything he has done all those years without someone raising a hand. My ex had a personal po box that he was having everything financially related to that I had to access to and he did not allow me access to anything which is why I never learned of his crimes earlier than XXXX XXXX of XXXX because had I discovered it sooner I would have blown the whistle on him sooner. Wells Fargo in my view failed in their duties as a financial institution and should be held accountable and I believe I am owed restitution from them for my losses which between XXXX was over XXXX XXXX dollars.
Consumer complaint received 2022-02-13
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION (MA)

In XX/XX/XXXX, I entered into a new vehicle lease with Toyota Financial. At the same time, I was in the midst of moving XXXX XXXX XXXX XXXXXXXX. I have leased vehicles through Toyota Financial for the past 5 years. During this time, I have always had my payments scheduled to automatically withdraw from my checking account, and I have not once had a late payment. With my move XXXX XXXX XXXX XXXX, there was an additional tax added to my payment that I was unaware of. Having my payments automatically withdrawn each month, I trusted that everything was okay. Over the course of the past XXXX years of this current lease, I have spoken with Toyota representatives numerous times and was never informed that I had an outstanding balance. In XXXX of XXXX, I received a letter stating that I had an unpaid balance. After receiving this notice, I called Toyota and spoke with a representative who informed me that the amount due was the difference in amount from the monthly increase ( though, she was unable to tell me why there was an increase ). Having this brought to my attention, I promptly sent an electronic payment to cover the entire balance. To my great displeasure, this incident resulted in a negative mark on my credit reportstating that I had a 30 day late payment, when in fact, I have not been late with one payment. This negative mark destroyed my previously excellent credit score. I have spent hours talking to Toyota Financial representatives and writing to the company directly to dispute this mark on my credit and requesting to have it removed.
Consumer complaint received 2022-07-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (FL)

I filed a complaint previously regarding this matter and Chase refused to remove the excess interest they charged me on both my accounts once I had paid them in full, well before the due date. They are saying it is " residual interest '' that is charged between the time they billed me and when I paid the accounts in full. It was always my understanding that if the account was paid in full before the due date, there is no interest to be charged. 

They reduced one card down to {$37.00} on the account ending in XXXX. I paid the {$.00} owed after the remaining balance was paid on XX/XX/2022, well before the due date. when I got my next statement for XXXX, XXXX they had charged me interest on the entire amount previously owed! I refused to pay the {$37.00} and my account balance is now ( again ) {$86.00} with a balance due of {$77.00}. At one time, it was as high as {$100.00}. I'vve been charged yet another {$29.00} in " fees ''. I accidentally made a {$20.00} charge on that card, which I will be changing, and they accepted the payment, assumably, on the " overdue '' amount. 

The second account, ending in XXXX did have a balance of {$5.00} but apparently Chase decided not to try to collect that and my account is now showing a credit of {$.00}.
Consumer complaint received 2021-10-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA (NY)

I have an apple credit card. 
I never used my physical apple card more than twice in its lifetime. 
I have used the 'digital ' number many times for online transactions. 
On XX/XX/XXXX at XXXX XXXX  while I was home in XXXX my credit card 's digital number was charged {$1500.00}. I immediately got notification on my iphone and called apple to report unauthorized use of my card. Apple card started the dispute. 
I also attempted to call the merchant ( XXXX XXXX XXXX ) that evening to cancel whatever fraudulent order was placed however they could not assist me. 
On XX/XX/XXXX I was notified that the transaction was not resolved in my favor, an " The merchant provided suffecient evidence that I made the purchase ''. 
When I called and inquired with apple what proof was made for a fraudualnt transaction they could not provide me the proof and would 'mail me the documents which would take 7 days '. 
Eventhough Apple and Goldman Sachs both agree there is 0 % liability for unauthorized transactions I wonder why I am being held liable for this unauthorized transaction. 
I have re-initiated a dispute with apple card and now have to wait another 3 months for an answer. 
this whole process is very elongated, excludes the customer, and is at best stupid along with goldman sachs customer service.
Consumer complaint received 2021-12-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (LA)

Without being notified my regular payment of only XXXX that Ive been paying for the past year has gone up to XXXX. I called all of my insurances and even verified that my escrow was paid in full before the end of the year. My mortgage was sold twice and the second time they had to input information in wrong. I called them and they were just as confused. They sent my case to the escalation team and they never got back with me. I need help.
Consumer complaint received 2021-12-24
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

Okay so I am on the fraud list and need to be taken off. The amount I owed has been payed, USAA says that my account has been cleared and that I should be taken off the early warning system. I am in the military and because I am on this fraud list no bank will accept me and I got checks that need to be cashed rather than sit around until they expire. If you can could y'all speed up the process of updating the list or take me off the list. Please and thank you XXXX XXXX
Consumer complaint received 2021-12-24
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.
Consumer complaint received 2021-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Systems,Inc. (GA)

National Credit Systems Inc has been reporting a erroneous information on my XXXX and XXXX credit profiles as a collection account. They are reporting this account as a joint account which it is not. I belongs solely to the primary on the account. They have also recently over the last coupled days updated the amount of the collections from {$1500.00} to {$1500.00}. Neither of these amounts reflect an accurate balance. I am demanding that all reporting attempts on this account cease and desist and be immediately deleted from my XXXX and XXXX credit profiles permanently.
Consumer complaint received 2021-12-24
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have multiple inquiries that I did not approve. I submitted a complaint and the inquiries are still in my report. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX were Never authoritized XXXX
Consumer complaint received 2022-02-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Outsource Group, Inc (FL)

I received a letter from Medicredi asking for immediately payment from a medical bill Customer # XXXX Account XXXX Creditor name XXXX Family hlth As soon I get the letter I sent back response asking for validation or any proof that I own the debt, more than 15 days later I received other letter from them telling me that I have call them back because they need more information from me,, Definitely they failed to validate this debt with the amount time permitted by law, I don't have to provide any other information to them, they should have all necessary information if they are trying to collect a debt..
Consumer complaint received 2021-10-02
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. (TX)

I am a consumer as identified in FDCPA 15 USC 1692a ( 3 ) and I have a right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ), Pursuant to 15 USC 1692c ( c ) - notify debt collector in writing to cease and desist all communication. Ive recently reviewed my consumer report and noticed I have multiple authorize inquiries that are not associated with any open accounts on my consumer report. I will have my identity theft report attached to this complaint. Pursuant to FCRA 15 usc 1681 ( a ) ( 1 ) credit reporting agencies The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Pursuant to FCRA 15 usc 1681a ( d ) ( 1 ) The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for. So you should make sure these unauthorized account and inquiries are remove. Pursuant to FCRA 15 usc 1681a ( d ) ( 2 ) ( a ) ( i ) Exclusions from consumer report, report containing information solely as to transactions or experiences between the consumer and the person making the report. FCRA 15 usc 1681a ( d ) ( 2 ) ( b ) Exclusions from consumer report, any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. I DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THESE ALLEGED FRAUDULENT ACCOUNT. BLOCK AND REMOVE THEM. I DID NOT MAKE THIS IN ERROR I AM THE CONSUMER AND I DID NOT RECEIVE AND GOODS AND SERVICES FROM THESE CONSUMER CREDIT TRANSACTIONS
Consumer complaint received 2021-11-11
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person
Consumer complaint received 2021-10-02
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: WELLS FARGO & COMPANY (PA)

I often use XXXX XXXX  so I dont really use my card that much but on XXXX I notices charges not made by me through my email I called them to open up a whole new account and dispute the charges some of the charges are in a whole different jurisdiction than me and places I never shopped at. The following charges left my card in over drawn fee : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX They replaced the overdrawn fees but denied my claim with no explanation why. I was wrongfully investigated. I was told by lady I would be credited for the purchases but never did so I called to find out that my claim was denied. Im a XXXX women whos family have passed from covid Im the only person in my little family left and I cant afford to be stolen from please help me.
Consumer complaint received 2022-04-27
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: TD BANK US HOLDING COMPANY (MD)

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

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-10-02
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

XXXX  XXXX XXXX closed my account without notice & sent me a cashiers check with the remaining balance of {$12000.00}. I was told I would receive my funds within 5-7 business days. After waiting for 2 weeks I went into a branch to speak with a manager about the whereabouts of my check. I was told to call in two days later and they would have the status of the cashiers check. I called in on XX/XX/XXXX and I was told that the check was cashed fraudulently XX/XX/XXXX at a Capital One bank in XXXX Virginia. I live in New York. 
**The problem is that I was in a car accident and those funds were from my car insurance company to fix the damages to my car. The damages were over {$13000.00}. 
** Meanwhile the collision shop is waiting for {$13000.00} payment for the repairs they have performed on my car for 3 months now. 
** The urgency of this matter is that the collision shop has now put a lien on my car & it will soon go up for auction. Which then will result in a repossession on my credit. I am a single mother of XXXX and I work for myself. My car is my livelihood for me to conduct my business. 
I called multiple times & I am being informed by XXXX  that Capital One has not responded to my claim for my funds to be given back to me that was stolen. 
Can someone please look into this matter before I lose my car. This is very unfair to me that my check was able to be cashed at Capital One Bank. I was not present & Im sure this person who stole my money did not show proper identification to cash my check in the first place.
Consumer complaint received 2021-10-02
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. (SC)

On XX/XX/2021 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 30days gives a reason to immediately remove those items from 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, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-09-23
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. (VA)

I co-signed for my sons XXXX loan which has now become XXXX principle balance. I`ve tried to deal with Sallie Mae and Navient. Often times his loan payment was applied to his other two lower interest loans. He was encouraged by the lender to use the forebearance option without explanation of the consequences. Navient engaged in deceptive practices regarding its policies. Consumer protection for the student borrower and the co-signor were ignored. To be released from the loan was not fully explained. Due to these unethical practices my credit score has been affected. Not only that, but my sons credit is ruined.
Consumer complaint received 2021-10-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CA)

Already tried fixing this through them over the phone with picture evidence but no success, tried going to XXXX and filing with small claims court but chase ending forcing the case to close. 
I had returned an XXXX purchase and got the refund credit back to my chase claccount but chase was holding the credit, so I got no credit and on top I got charged again plus they reversed some other credits that Im authorized for that was already confirmed by XXXX representatives. 
Ive always had a good standing account with no issues before and never owed them money so no reason to be holding my credits that belong to me that would total about {$800.00} or more that they are holding As you can see in the attachments provided they took back {$440.00} twice while I sent proof of XXXX stating they issued the credit along Im sending pictures of the other reversals they did and charges
Consumer complaint received 2021-11-10
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. (FL)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was still found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. THE LATE ACCOUNTS LISTED BELOW NEEDS TO BE CORRECTED OR UPDATED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX Balance Owed : {$2600.00} Date Opened : XX/XX/XXXX XXXX/XXXX  XXXX Balance Owed : {$1700.00} Date Opened : XX/XX/XXXX