davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-27
Product: Credit 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: AMERICAN EXPRESS COMPANY (VA)

A ticket vending company charged my American Express card over {$2000.00} for a purchase that I never made. I received an email alert from American Express because the purchase was so large, and within minutes I contacted the ticket vendor to alert them of the fraudulent charge. The vendor acknowledged that I had not made the charge but stated that it was unable to cancel it at this stage, a mere 18 minutes after it was purportedly placed. The vendor suggested I contact American Express to halt the charge ( which still showed as " pending '' ), which I immediately did. Despite the vendor having advised that they were unable to cancel the fraudulent charge when I contacted them within 10 minutes of it appearing, the American Express agent stated that they also could not stop the still " pending '' charge made less than 30 minutes prior, and that the charge can be canceled from the merchants end only. So, rather than blocking the still pending charge, American Express simply marked the charge for monitoring '' and instructed me to dispute it when it finally posted. I did so, but American Express baseless sustained the charge after shuffling me back and forth between their customer service disputes department ( which claimed it was a fraud issue ) and their fraud department ( which nonsensically claimed it could not be treated as fraud because I had done business with this vendor in the past, and therefore was a a disputes department issue ). 

On XX/XX/year>, I resubmitted the dispute to American Express with a letter detailing the series of events and providing all relevant attachments ( Exhibit A ). On XX/XX/year>, at XXXX XXXX., I received an email from American Express acknowledging the re-dispute and stating that " the amount of {$2000.00} has been placed on hold and you will not be responsible for this while our investigation is in progress. '' ( Exhibit B ). XXXX minutes later, I received another email from American Express stating : " During our investigation, we determined that this case should be handled by our Fraud department. As soon as they have reviewed your account, they will contact you directly. At the beginning of this investigation, we removed the amount ( s ) under review of {$2000.00} from your account. Since this concludes the Customer Service investigation, we have reapplied the amount under review to your account, which will reflect on your upcoming statement. '' ( Exhibit C ). American Express then re-billed the fraudulent charge, but I was never contacted by the Fraud department as promised, and have not received any evidence that the fraud department even conducted any investigation at all. 

American Express is acting illegally and in bad faith by refusing to reverse this plainly fraudulent charge.
Consumer complaint received 2022-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. It's been well over 30 days and noting have been corrected. I feel my rights are being neglected and my issues are being ignored. Per 611 ( a ), a failure to investigate within 30 days justifies immediate removal of theses items from my credit report. It has been over 30 days so I would expect the items to be deleted ASAP. I demand proper action be taken and these accounts be deleted immediately or I will file for litigation due to the mental and financial stress caused. Additionally, my information could have gotten in the wrong hands due to the Equifax data breach. 

Additionally, on XX/XX/2022, a demand to comply letter was sent awaiting response
Consumer complaint received 2022-08-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2022 around XXXX I tried to make a {$200.00} payment with XXXX XXXX bank Wells Fargo blocked the the transaction. 

I had to pay a person not a business. So, I paid the person cash. I drove home it took me about 4 hours. I called Wells Fargo at approximately XXXX and told them that the transaction was authorized by me but that had already paid the person. 

The following day I noticed a {$200.00} payment to the person I had already paid. 

I went through XXXX XXXX and Wells Fargo procedures to get the matter fixed. Wells Fargo refused to give me my money back. It's their fault they didn't need to block my card and when I told them they sent the payment anyway. 

After I asked them why they sent the payment they said it was on me find the person I paid to get my money back. How come they didn't say this when I told them not send the payment?
Consumer complaint received 2024-09-22
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

CAPITAL ONE IS NOT TRYING HARD ENOUGH TO STOP FRAUD. 

THEY HAVE NO PROCEDURE TO TAKE INFORMATION YOU HAVE GIVEN THEM. 
IT HAS TO BE ATTACHED TO AN ACCOUNT. 

YOU WILL NOT FIND IT ANYWHERE ON THE WEBSITE. 
YOU CAN'T WRITE ANY MESSAGE TO THEM YOU MUST CONTACT THEM THRU CUSTOMER SERVICE. 
YOU CANT GET PAST THAT UNLESS YOU HAVE AN ACCOUNT. 

IT IS NOT WORTH IT ... TOO MANY HOOPS TO JUMP THRU. 

THE TRAINING IS NOT ACCEPTABLE I WENT THRU 3 AGENTS TO TRY AND GET AN ANSWER. 
I AM STILL GETTING SCAM CALLS FROM CAPITAL ONE. 

PS I SEEM TO BE HAVING THE SAME PROBLEM WITH THIS WEBSITE, YOU WANT AN ACCOUNT TO BE ATTACHED BEFORE I CAN SUBMIT.
Consumer complaint received 2021-05-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Neon Newco Corporation (GA)

Good afternoon, I been a customer 2004 with Netspend I filed two claims # XXXX and claim # XXXX for the amounts of {$4500.00} and {$3800.00} for fraudulent transactions from XXXX XXXX XXXX  on XX/XX/XXXX after trying to use my card to buy food it being declined. I never received anytime alert stating these transactions were made. When I called I was made aware of transactions and they were still pending and I tried to get agent to block and stated she couldnt. I have received correspondence of closure of my claim. I have never lived in those apartments I own my home so I pay mortgage. I would like my funds totaling {$8300.00} to be sent to me immediately. Trying to go thru customer service is a nightmare. When I get an agent its hard for them to verify me but finally got their today only to be told money is gone. How is that even possibly? XXXX out my account gone? I need my money!
Consumer complaint received 2024-09-23
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I received several suspicious emails on XX/XX/year> including XXXX about being approved for a Capital One XXXX XXXX that I did not apply for. I then froze my credit with the main XXXX reporting agencies, gained access to the Capital One online account, changed the user name and password, updated the XXXX phone number and locked the virtual card they offer. As this happened at night, I was unable to call Capital One directly but plan to first thing in the morning.
Consumer complaint received 2022-11-05
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP (CA)

I have been charged an excessive amount of over draft fees. 
My available balances have been enough to cover these transactions thag make my account go negative, but the bank is choosing how each pending transactions, authorization holds, or debit car transactions and deposits are processed. Causing over {$1000.00} in fees in one statement period and continuing. 
As a small business sooner, they're taking advantage of me and constantly putting me into negative when my available balance reflects all held or pending transactions and would be sufficient for the additional transactions made, until they start re arranging the order transactions and deposits post
Consumer complaint received 2022-11-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Grain Technology, Inc. (TX)

I applied for a line of credit using Grain Technology. I had to pay {$250.00} deposit for a {$600.00} credit line that can be withdrawn and deposited to your bank account. They decided to do a verification and everyone had to upload their IDs and such. Well over six months later the app is still saying verification pending and I am not able to access the line of credit but they are still withdrawing money from my account. None of my emails have been returned and they do not answer the calls. They just loop to different pre-recorded messages. This is frustrating because I want to pay it off and close it and I can't even see the account status or balance. No access whatsoever. No contact whatsoever
Consumer complaint received 2024-09-24
Product: Credit 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: CAPITAL ONE FINANCIAL CORPORATION (LA)

A fraudulent Capital One credit card was opened using my social security number. It was opened on XX/XX/year>. A purchase of {$2900.00} was made in XXXX in XXXX, XXXX. The Capital One card is currently maxed out at {$3000.00}. This is affecting my credit score ( I have a limit of {$3000.00} ). 

I called Capital One on XX/XX/year> and they closed the account. However, I am in the process of finding out more information ( like what exactly was purchased, where exactly it was purchased, and if there is a billing address linked to the Capital One card that isn't mine ) in order to file a police report. The police want this information, and it is difficult to receive it since the account is already closed. 

I have put alerts, freezes, and made disputes on XXXX, XXXX, and XXXX.
Consumer complaint received 2022-04-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERIS BANCORP (FL)

I originally obtained a new construction home loan in XXXX from XXXX XXXXXXXX XXXX Ameris Bank eventually acquired XXXX XXXXXXXX XXXX. For some reason, they then gave my loan processing to XXXX. This is the first major issue. Navigate multiple departments that keep bouncing me from company to company, department to department has been a major issue and has been impossible to get clarity on my loan. 

Then, in XX/XX/XXXX, I lost my job. The US Government and XXXX XXXX  were offering Loan Forbearance programs for customers who lost their jobs during the economic downturn. I applied and was approved for the Forbearance and allowing me to tack on 3 months at the end of the term of my loan. While I was approved, collections continued contacting me for months upon months telling me I was significantly behind on my loan. I must have spoke to XXXX - XXXX people in collections telling them time and time again, that I was granted forbearance and was granted 3 months of no payments. And each time, I would get bounced around to different departments ( Collections, Loan Officers, Loss Mitigation ) and across XXXX companies. And if I ever met someone helpful, they told me to wait and my forbearance would eventually clear. 

Now... in XXXX, Ameris has begun sending me foreclosure notices. This is absurd to me when I have made my payments on time, each and every month. I had to get even more aggressive to find someone to help me. I eventually met someone help in customer service who told me that Ameris was now saying I was late because I did not make escrow payments. That I only paid principal and interest. I explained that I was taking care of my own taxes and insurance and this was my arrangement after Ameris acquired my loan. I have sent emails, and documents to loan officers, customer service, investigations, yet no one contacts me back and explains to me how to solve my situation. 

Lastly, I have even contacted the lawyer sited in the foreclosure letters to ask for clarification on what payments I missed and to provide me a reinstatement amount and this request has also fallen on deaf ears. 

I am livid! I make my payments every month. My taxes have been paid on time every year and I have a {$0.00} balance with the county. I have managed my own homeowners insurance. And yet Ameris can not for the life of them tell me why they perceive I am late ( forbearance, taxes, insurances, missed payments, etc. ) I need to resolve my loan situation immediately and stop this nonsensical foreclosure attempt.
Consumer complaint received 2021-10-14
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. (AR)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2020-08-11
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (IL)

After being on a income sensitive repayment plan for 15+ years in XXXX I contacted Navient to discuss my options after receiving a bill for 6 times what I had previously being paying. I was told that I no longer qualified for any reduced payment options anymore. The only thing I could do was enter into forbearance and pay what I wanted each month. The forbearance ended and in XXXX again I contacted Navient for support because the monthly payment was again enormous. I sent in my documents again ( paystubs and application for reduced payment ) and again I was told it was not an option for me. The only option I had was another forbearance. I'm nearly at the end of this forbearance and I'm concerned about the same outcome. I believe I have been purposefully misguided. I am a public servant and work at a school. Please help with any guidance possible.
Consumer complaint received 2022-11-05
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. (NV)

I appreciate your time to REMOVE some of the information in my file that resulted from the identity theft but I have an items left that need to be removed. Per FCRA section 605 you are required to remove any accounts listed on an ID THEFT REPORT # XXXX, XXXX, and XXXX. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. Please remove the following items as soon as possible : 1. XXXX XXXX XXXX XXXX Balance : {$0.00} 2. XXXX XXXX XXXX XXXX Balance : {$0.00} 3. XXXX XXXX Balance : {$0.00} 4. XXXX XXXX XXXX XXXX Balance : {$0.00} 5. XXXX XXXX XXXX XXXX Balance : {$0.00} 6. XXXX XXXX Balance : {$0.00} 7. XXXX XXXX XXXX Balance : {$0.00} 8. XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX Reference # : XXXX Liability : {$0.00} 9. XXXX XXXX XXXX XX/XX/XXXX 10. XXXX XXXX XXXX XX/XX/XXXX 11. XXXX XXXX XXXX XXXX XX/XX/XXXX 12. XXXX XXXX XX/XX/XXXX 13. XXXX XXXX XXXX XX/XX/XXXX 14. XXXX XXXX XX/XX/XXXX 15. XXXX XXXX XX/XX/XXXX 16. XXXX - XXXX XXXX XX/XX/XXXX 17. XXXX XXXX XXXX XXXX XX/XX/XXXX 18. XXXX XXXX XX/XX/XXXX 19. XXXX XX/XX/XXXX 20. XXXX XXXX XX/XX/XXXX 21. XXXX XX/XX/XXXX 22. XXXX & XXXX XXXX XX/XX/XXXX 23. XXXX  XXXX XX/XX/XXXX 24. XXXX XXXX XXXX  XX/XX/XXXX 25. XXXX XXXX XX/XX/XXXX 26. XXXX XX/XX/XXXX 27. XXXX XXXX XX/XX/XXXX 28. XXXX XX/XX/XXXX 29. XXXX XXXX XX/XX/XXXX
Consumer complaint received 2016-08-18
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Mobiloans, LLC (VA)

I took out a loan with Mobile Loans, not realizing that I would be paying a XXXX interest rate every two weeks. I borrowed XXXX, and they are charging me {$200.00} every two weeks, plus XXXX interest every two weeks. I bring home XXXX per month from Social Security XXXX and can not afford to make a XXXX payment.
Consumer complaint received 2022-11-05
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. (CA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$350.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$60.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$330.00} ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-10-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (RI)

I noticed this debt on my credit reported I disputed the debt as it is not mine and yet it still has not been removed. I have contacted the company in XX/XX/2022 asking for a copy of my information which they could not provide me.
Consumer complaint received 2022-11-18
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: CORELOGIC INC (PA)

In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date of last active is inaccurate, and the date last reported is not accurate. This ground for removal also violated my rights under.

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 an account without my written instructions. 

Also the Credit bureau took more than 30 days to complete my investigation here is my certified mail tracking # XXXX
Consumer complaint received 2022-11-05
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. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have been trying for the longest while to get a credit freeze placed on my credit report but without success. I have sent in numerous letters with my particulars to have a credit freeze placed on my credit report but without success. 
I was a victim of identity theft in the past and that is why I am asking that a credit freeze be placed on my credit report.
Consumer complaint received 2022-11-05
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. (NY)

I put in multiple disputes no action taken after information verified not meXXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX 
Balance {$750.00} Balance updated XX/XX/2022 XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX 
XXXX {$1100.00} XXXX updated XX/XX/2022 nothing removed
Consumer complaint received 2024-10-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: AMERICAN HONDA FINANCE CORP (MO)

I bought a new truck. I repeatedly said I would not pay a fee for purchase or for the credit they were offering. I was told by three people including the sales manager I would not be charged. However, the finance person used an XXXX or similar tablet to show me the sales contract and finance papers. He controlled the tablet the whole time including what paragraphs were displayed and was able to prevent me from seeing a {$500.00} fee. What I could see was what I had agreed to and I signed electronically. Either the {$500.00} fee was on the tablet and I was not allowed to see it or he added it to the document before printing it out. At the same time he was showing the finance papers, he said " you have to choose which of these services you want. '' I was able to see that services included oil changes but no costs and I asked if this was part of the finance contract. Only then did I learn that it was an additional cost. He tried to make me think it was required to buy the extended warranty and services. I said no and he spent several minutes berating me for being " stupid. '' I told him to finish my paperwork so I could leave. It was only after getting home that I found that the {$500.00} fee had been added to the paperwork without my knowledge. I asked the MO AG to investigate, but they say they are unable to get a response from the car dealer.
Consumer complaint received 2022-10-16
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc. (WA)

In a condance, this creditor has violated my rights under 15 USC 1681 sections 602 states I have the right to privacy 15 USC 1681 section 604A section 2. It also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC-1666-B A Creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.