davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (AZ)

Wells Fargo has done such an in justice to my grandfather iam helping him make this formal complaint against this awful bank. My grandfather XXXX XXXX has a bank acct with my mother XXXX XXXX and in this sense my mother had closed an acct at XXXX XXXX XXXX XXXX so she received a official check that was for XXXX cents went ahead and made a deposit into said bank acct at Wells Fargo .this transaction happened on XX/XX/2023 on XX/XX/2023 my grandfather went to bank to get his funds out from his social security deposit when he finds out hes negative n was with no funds And still showing a negative XXXX went to branch of Wells Fargo here locally they advised XXXX that the check for XXXX Was returned not paid by advantage west. To make a horrible story short after many calls back n forth n to the issuing bank come to find out that said check was actually paid out in full to Wells Fargo 24hrs after it was deposited to my grandfathers acct n was given a tracer number n told that it was paid in full n didnt understand why Wells Fargo would claim such a thing n most of all take a XXXX yr old mans money a whole month later and still mths later we are still in battle with Wells Fargo to get my grandfathers money back I was told to write this formal complain to ur office n hopes that you will help thank u
Consumer complaint received 2020-04-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: General Motors Financial Company, Inc. (CA)

Gm financial americredit without making the purchaser aware transferred the car loan. The car loan would seem to no longer be covered under usury exemptions for financial institutions. I believe this would mean that the car title would be subject to Californias 10 % max usury limit. The loan was put in a trust and sold to private entities. One question I have is who owns the loan? If its privately held the 21 % interest rate is predatory. Can you help.
Consumer complaint received 2019-08-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I opened my Capital One account in XXXX of last year and since that time, have not made one late payment ; in fact, I have always paid early, and always paid well over the minimum payment amount due. I was shocked to see that after my most recent payment of {XXXX} which was well before the due date ... that my credit score had a significant drop, noting that that Capital One had closed my account. I called Capital One believing there must be an error, and was notified that it was due to return payments. These payments were a result of me using the Capital One App for payments and unfortunately, I switched bank accounts and inadvertently had a wrong number for my new bank account. When I saw the payment was not accepted, I thought perhaps it was the fault of the new bank, so I tried again, immediately, but it was again rejected. After calling my bank to determine it was not them rejecting, I double checked and realized I input the wrong bank account number in payment app & immediately fixed it. My payment cleared ; again before the due date and well above minimum payment amount. The App does not let me delete that incorrect bank info that I could tell, and this past month, I didn't catch that it defaulted to the one that was entered incorrectly, and slid the indicator to pay from what I assumed was the proper and most recently used bank account. As soon as I saw that the payment was rejected, I realized that the App defaulted to the incorrect bank account information and I resubmitted payment ; still well before the payment due date. I explained this to 5 people including 2 supervisors ; requested they reconsider the closure of the card, noting that they can review and see that this is exactly what happened and there's no dispute that I always pay early and above the amount. They indicated that these inadvertent bank issues resulted in me having 5 violations and thus, there is nothing they can do and I would have to reapply for credit. But I can not reapply for credit because their actions resulted in my credit score dropping significantly. They've harmed my livelihood and ability to get credit going forward all due to their closure for a short period of app issues, despite my stellar payments. I feel this closure is not in good faith and a review of my Card Agreement does not indicate that there closure of my account was justified. I do not believe a person that pays 100 % early and more than necessary is in violation of the Card Agreement, nor should they suffer the penalty of having my livelihood and ability to get credit going forward impacted. Add to it that my data was among those impacted by their breach, so they've caused harm to me in two manners.
Consumer complaint received 2019-11-08
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Opportunity Financial, LLC (FL)

I've been paying every Friday for the past 6 months ( {$50.00} ) for a loan amount of {$1100.00} and yet my current due balance is {$1000.00}. I have records of every weekly payment. When I check the payment records tab only the last few payments show. There's no record on the website of all the other money I've paid. I have my bank statements though!
Consumer complaint received 2023-09-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (FL)

I sent another dispute letter XX/XX/23 because insufficient evidence was provided for verifying the debt and the collection agency sent a threatening email attempting to collect on a debt currently in dispute and my original letter specified I only wanted communication by mail.
Consumer complaint received 2023-09-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have previously submitted a complaint through the CFPB, number XXXX. My complaint has not been resolved. I am attaching documents of I.D . and my FTC report.
Consumer complaint received 2023-09-14
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. (NY)

Dear Consumer Financial Protection Bureau, I am writing to formally dispute and seek your assistance in the removal of unauthorized inquiries from my credit report, specifically in relation to Equifax, one of the major credit reporting agencies. I believe these inquiries were made without my consent and are in violation of the Fair Credit Reporting Act ( FCRA ).
Consumer complaint received 2020-04-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (CO)

I have one XXXX XXXX Credit Card that I use for everyday purchases and intentionally keep a low credit limit and pay it off regularly. All previous payments I've made get posted to my account the next day after making a payment and the funds are available at that time. I once again paid off my card on XX/XX/2020 and it pulled the payment from my bank account on XX/XX/2020 ( does not show pending on my bank account, the money was taken out ). I tried using my card yesterday XX/XX/2020 and it got declined, so I called and asked why and they told me that the payment is on hold and should go through any time. I checked again this morning XX/XX/2020 and it still hasn't posted to my credit card account, so I called again and got transferred to the payment specialists and got told that it is still on hold and won't be released until XX/XX/2020 ... to me it seams like this should be illegal, they literally have my money that they took out of my bank account as of XX/XX/2020 and I won't have access to it until almost a week after they took it ( hopefully )!
Consumer complaint received 2023-09-14
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WorldRemit Corp. (NY)

WorldRemit Corp cancelled my transaction and disabled my account without notifying me of the reason why. This happened when I already had a pending transaction. I called them, waited for 45 mins before I got hold of a representative. The representative claimed that I should be getting my refund but there was no confirmation email or anything. This is not ethical and very suspicious!
Consumer complaint received 2023-09-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I DO NOT RECOGNIZE ANY OF THESE ACCOUNTS 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 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

I realized that there were some damages on my credit report. I have already been in breaches and I thought you were going to protect my information from there. This is A Defamation of my character because it is affecting my livelihood. Now me and my family are being impacted emotionally and mentally. According to 15 U.S.C AND 1681 You have broken the law because these damages are fraud and I am trying to move forward
Consumer complaint received 2020-04-23
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: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I have been trying to work with Bank of America since XX/XX/XXXX for a correction of late payments that they agreed to correct due to being under doctors care during the months of XX/XX/XXXX thru XX/XX/XXXX. After being assured that all would be taken care of Bank of America instead reported late to all ( 3 ) credit bureaus. I was advised that, they had no control and refused to honor their promise to remove. I was then advised it was up to me to dispute with all ( 3 ) credit bureaus and I did just that. I have written countless dispute letters for more than a year and no removal. I then contacted Bank of America on XX/XX/XXXX and was advised that they can't correct the late payments since it has been more than a year. But had record that I had been calling to resolve. I explained that out of good faith, I called and advised of my situation and they did not hold to the agreement. I have been trying to clear this matter for over a year with all ( 3 ) credit bureaus XXXX XXXX and XXXX  and Bank of America directly. I appreciate any assistance you can provide in clearing this matter. Also, I have been trying to work with XXXX XXXX and XXXX XXXX XXXX regarding the same issue for more than a year and to no avail, no action taken place.
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % Correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? Missing payments from a closed account. DFCU account closed.

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure
Consumer complaint received 2023-09-14
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. (AR)

On XX/XX/XXXX I called experian to cause my Experian credit report was updated and said verified I asked them how did they verify and send me proof They refuse to send proof & can't explain what method of verification they use to verify, my consumer rights are being violated.
Consumer complaint received 2023-09-14
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Possible Financial Inc (FL)

I do not know who ( possible financial ) is nor have I ever done business With them or been lent any money by this agency for me to owe such debt nor do I agree with this debt on my report as I never signed anything with such agency
Consumer complaint received 2023-09-16
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. (OH)

I currently have Three accounts and inquiries appearing on my credit report. 

Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-14
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA (CT)

My parent burned down on XXXX last year Apple spoke about hardship program but none was applied even tho my reason to call was to ask help. The bank changed the address too many time to vague address. Was advised to pay off my account and re apply rather to re open the account since my Apple XXXX was compromised. Today I was adviced to re apply twice. Already explained the bank the need to rectify my info or verify it, rather they said apply again 30 days from now when they know there need to verify my info since my credit is locked.
Consumer complaint received 2023-09-14
Product: Credit 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: CAPITAL ONE FINANCIAL CORPORATION (TX)

On or around XX/XX/2023 my capital one Quicksilver credit card ( ending XXXX ) was Unauthorized charged multiple times online and in store. ( Total amount around {$660.00} ) I reported the fraud transactions to Capital One and without any investigations or proof of their investigations they denied my claim. 

I am not willing to pay a single XXXX towards these Fraud Charges since I did not make these. 

Please assist me in resolving this and ask Capital one to provide proof of investigation.
Consumer complaint received 2023-09-14
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: Nicholas Financial Inc. (SC)

XX/XX/XXXX I purchased a XXXX XXXX XXXX  was {$11000.00}, after finance it was {$14000.00} and I put down {$1700.00}. I had the vehicle for 27 months on a finance for 36 months. I paid {$450.00} a month for 24 months and were arguing with them for 3 months about the vehicle warranty which was a scam also. I totalled lost the car after XXXX, paid {$12000.00} on the loan. My insurance company paid {$2800.00} which I owed and Nicholas financial hit me with a repossession and said I owe them {$7500.00}. This company has 56 listed complaints in 3yrs and they sell all there debt to XXXX XXXX XXXX. They are in a scheme together robbing people out of there money and needs to be stopped
Consumer complaint received 2019-11-08
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Critical Resolution Mediation LLC (GA)

Received 2 calls from numbers XXXX and XXXX .. from Critical Resolution Collection. Spoke to XXXX XXXX. Also called back and started speaking to a man that sounded just like the other person I had just spoke to. He claimed he was not him, but didnt give me his name. Said XXXX XXXX was out to lunch to call back in 30 minutes. But I called back in 15, a XXXX XXXX answered the phone, transferred me to XXXX XXXX .. they were the same person!! 
Anyways, he was trying to collect a debt from XXXX for XXXX XXXX that had not been paid on since XX/XX/XXXX .. the last I recall it was around $ 400-500. He claimed it was over {$1900.00}. opened XX/XX/XXXX, last paid XX/XX/XXXX. I know that is not true because I have a current, clear account account with them since XX/XX/XXXX. He stated my last name from my marriage from 30 yrs ago that was not used to open that account. Then he used my last name, once, that was used to open the account, but continued to use my previous name. However, I had been separated since XX/XX/XXXX, remarried on XX/XX/XXXX. I had also moved 5 different times to 3 different states. He did not even have my current address and NO I didnt provide it. I also did not correct him with my name. He said they are going to sue me, garnish my wages. When I said Im on SS XXXX, he then said they would freeze my accounts. Please beware of this company and these people!! I have researched and contacted people. I contacted the Small Claims Courthouse he said they were going to use to sue me, they have never heard of them. The other people I contacted said they are Scammers. BEWARE!! Protect yourself. DO NOT give out any personal information!!
Consumer complaint received 2023-09-14
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: EQUIFAX, INC. (MI)

I have previously submitted a complaint through CFPB, number XXXX. As of this date my complaint has not been resolved. I have not done any business with or requested any extension of credit from : XXXX Dated : XXXX ; or XXXX XXXX Dated : XXXX ; or XXXX XXXX Dated : XXXX. These inquiries are a violation of my consumer protection rights. I am attaching an FTC Report and I.D . documents.
Consumer complaint received 2023-09-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (TX)

Talking to my mortgage banker she showed a collection from I C SYSTEM Opened XXXX For XXXX dollars. Called I C System and they wouldnt disclose debt they asked for debit or credit card number and said it would also cost money to disclose any information This is highly irregular cant dispute debt without debit or credit card info is very suspicious. How can I dispute a claim without giving those numbers is this legal
Consumer complaint received 2023-09-14
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

On XX/XX/2023, I went into overdraft in my checking account at USAA Savings Bank because USAA mistakenly deducted a {$300.00} payment from my checking to go to my auto loan account that they have the lien on. I only authorized ( or remember ) authorizing one payment of {$300.00} to be transferred from my checking to my auto loan account, but USAA deducted it twice, claiming that I processed two payments of {$300.00} to be transferred to my auto loan. Their explanation does not make sense because I only authorized one payment of {$300.00} to go towards my auto loan. Their error has caused my account to be overdrafted XXXX and there is also a pending automatic payment that is scheduled to deduct another payment from my checking to go towards my auto loan. If this happened, then that would be 3 payments credited towards my auto loan in a matter of 4 days.

I requested to cancel the automatic payment scheduled to come out soon and USAA refused to cancel the automatic payment, additionally I have tried several times over the past few weeks to cancel my auto automatic payment and have been unable to.

USAA actions is causing my bank account to be overdrawn for no good reason. I would like one of my payments ( {$300.00} ) made so far to be refunded, and any automatic payment that is charged to my checking account, I would like that payment also to be refunded also, because I have already applied one {$300.00} payment to my auto loan on XX/XX/2023. 

I have attached the duplicate payments that was taken out of my account towards the auto loan. 

I also want to cancel my auto loan automatic payments. 
Thank you. XXXX XXXX
Consumer complaint received 2019-08-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (MD)

I was checking my credit report and saw this company LVNV FUNDING LLC as an account on my credit report I have no idea who these people are they just appeared and it looks like they have been on my credit report for over a year if they are a debt collector they had to open a new account in witch I never gave them authorization to do so they did this without an a agreement or signature from me this is identity theft. And this is why I am filing this report.
Consumer complaint received 2019-08-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION (NM)

I got a secured credit card from Capital One and was promised they report it to the credit bureau and it's not even showing a new account on my credit so wondering why it's not showing up on my credit report
Consumer complaint received 2019-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: ENCORE CAPITAL GROUP INC. (IA)

about 2 years ago i paid midland funding LLC in the amount of XXXXXXXX   dollars. this was for a card with XXXX  XXXX XXXX. i notice today XX/XX/2019. this amount is still on my account. i called midland funding LLC about it they said that i didnt pay it. then the guy hung up on me. I then called XXXX XXXX XXXX about it. after looking deep in my account he seen that i did pay XXXX dollars a to midland around 2 years ago. he said he could not how ever help me out i would need to file a dispute. against Midland funding LLC