davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-28
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 (CA)

Wells Fargo is refusing to reverse my charge for a flight that was purchased, I am dissatisfied with the goods/services because they were not even provided. I had tried to resolve it with the merchant before escalating the matter and disputing the charge. The flight was purchased through XXXX XXXX on XX/XX/XXXX for the amount of {$1200.00}. I contacted the merchant on XX/XX/XXXX due to issues with the connecting flight, the flight had to be cancelled, the merchant said I would need to rebook a flight by XX/XX/XXXX or fees would be deducted from my ticket price. I was never given a confirmation of the cancellation or any email/record of a credit or anything in regards to my flight other than the booking confirmation number. After doing research and searching the merchants website I found a flight I could work with so I called back on XX/XX/XXXX to rebook. The merchant then tried to charge me {$50.00} to rebook/process the change, there was suppose to be no fees but they did not follow their own policy. They also tried to charge me an additional {$800.00} dollars more for a flight that was listed on their website for {$1200.00}. I tried to resolve the issue with the merchant but was not getting anywhere with them over the phone. The merchant did not provide the goods/service that were outlined in their policy, they were not following their own policy and it seemed as if I was being scammed so then I filed the dispute with Wells Fargo XXXX XX/XX/XXXX. I went through the process of sending them information and details in regards to my case such as pictures and statements. I finally get a response XX/XX/XXXX over the phone, they told me the charge will not be reversed because I had accepted the credit from the merchant which is completely false, I had never accepted a credit. I was not even given an option for accepting or declining. The flight was cancelled, no goods or services were provided, I was told my ticket purchased is non refundable and that I will need to rebook before XX/XX/XXXX or fees will apply. I followed the information that was given to me through the merchant, there was no transparency in regards to their fees, flight prices and policies even though it was clearly visible on their website. The merchant would not even follow their own policy, I tried to resolve the issue with the merchant but there was no other choice in the matter besides having to call their customer service when rebooking. In the end there were no goods/service provided. With all the information and evidence I provided to Wells Fargo they would not reverse the transaction, it's as if there was no investigation in regards to my dispute. The entire dispute process seems as if Wells Fargo did nothing on my behalf in trying to resolve the matter until XX/XX/XXXX when they closed my case.
Consumer complaint received 2023-02-28
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

U.S. Code 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures de- signed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the pay ment due date. The creditor failed to do so
Consumer complaint received 2023-02-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER HOLDINGS USA, INC. (CT)

I have a joint checking account with my spouse at Santander bank. On XX/XX/XXXX I deposited a check made out to me for {$1500.00}. This deposit cleared and finalized on XX/XX/XXXX, and I have both a confirmation number and an image of the check ( Which had been processed on the mobile app. ) On XX/XX/XXXX I contacted Santander Bank to make sure that deposit had cleared and I was assured that it had. Several hours later however, on XX/XX/XXXX, my account balance showed a large overdraft in the amount of that check. When I contacted Santander bank, they told me that my deposit had been flagged for an extra hold time and would not be released for another week. They were not able to give me a reason why this had happened. The check was not for an amount larger than I would usually deposit, The check had already cleared with the originating bank XXXX XXXX XXXX XXXXXXXX ) and the money was already being held by Santander. Again, I regularly deposit checks of this amount into this account, which I have held for 12 years with this bank, and I have received numerous checks in similar amounts from the same account that this one originated from. ( the money was a gift from my parents. ) None of the customer service people from Santander bank were able to tell me why this hold had been placed. Because of this unexpected delay of a week in processing my deposit, I am incurring a number of fees, including overdraft fees, and late rent payment fees. Most importantly, I only discovered this hold by chance when I saw the large overdraft on my account, and it took a long time on the phone with several people in order to find out what had actually happened. It is my understanding that a bank can put an extra hold on funds if it determines that it might be necessary. However, it is also my understanding that a bank needs to notify the account holder that this is happening, and this was not done in my case. Nobody notified me of anything, this hold is still not listed in my account activity, and I would not have found out about it if I had not called. I am making a complaint seeking to recover the amount of money lost in various fees, due to the fact that I was not informed that there would be a hold on this deposit, and was, in fact, told the opposite, that the deposit had already cleared.
Consumer complaint received 2020-06-26
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: U.S. BANCORP (OH)

Like many parents in the school district, I pre-paid for a trip that was canceled due to the Covid 19 pandemic. The credit card company is Elan Financial XXXX XXXX XXXX. ND XXXX. The merchant was XXXX XXXX XXXX. We contacted the merchant, and although they provided no service at all, they want to give us a 80 % refund of the money. contacted the credit card issuer ( Elan Financial. Part of US Bank ). and they sided with the merchant. Their lame excuse was that the merchant did not cancel the trip. The Governor of Ohio and the School Board did ( for the pandemic ). I am working on ending all my financial relations with Elan financial and taking the merchant to small claims court..
Consumer complaint received 2024-10-07
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. (CA)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2017-11-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (KY)

In XXXX of this year, 2017, there was a mix up with my bank account at Chase. I found this out because I was involved in a car accident and had the settlement direct deposited into what I thought was my account, which it was not. Long story short, after involving the BBB, the KY Attorney General 's office, and Chase representatives, the problem was settled but not before Chase closed my account. I have found out since then, through Chase, that the account number ( that was on my computer ), was actually my now ex-roommate 's account. Now, at the point in time I was settling my car accident claim, I also went to XXXX XXXX XXXX XXXX to have my taxes done, and requested Direct Deposit. Again, the funds were deposited into the wrong account. Which brings us to today. Even though Chase was, and has been involved in this issue since the mistake was discovered in XXXX, they are, once again, refusing to release the erroneous funds back to the issuing agencies ( IRS, and KY Department of Revenue ). I have already contacted the IRS earlier this year as how to proceed. I was told to wait at least 6 weeks to make sure that I did n't get my refund late, then request the IRS to run a trace on the funds, which they did. The funds were deposited into the same wrong account as before, again a mistake. Then the IRS said they would send a request to Chase telling them to remand the funds back to the IRS. This process can take up to 10 weeks. I have done this to which Chase still refuses to release the funds, and sent me a letter stating that the matter is closed.
Consumer complaint received 2017-11-02
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (OR)

I went to ACE Cash express yesterday XXXX XXXX at about XXXX XXXX. I was denied the payday loan because I was in the military. That would of been discriminating, I looked father into it and realized it was the governments fault that I was not able to receive the loan I needed. I needed the money to pay for rent on the XXXX, I would have been able to pay the full amount of only {$300.00} next paycheck but because of the MLA I was denied and late on my rent loan company would of been payed back in full a week later on the XXXX now I 've got problems with the renters. 
Oh on top of that I get charged a XXXX by the loan company just for talking and denying me. 
I want something done about this problem it is not fair for people to be able to get a payday loan that ca n't afford to get one when others that can ca n't get one.
Consumer complaint received 2023-02-28
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: Experian Information Solutions Inc. (AZ)

In accordance with the Fair Credit Reporting Act XXXX Account : XXXX XXXX XXXX, Account : XXXX XXXX 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, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX IN 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 an account without my written instructions.
Consumer complaint received 2021-02-02
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Navient Solutions, LLC. (TX)

I was part of a class action lawsuit against XXXX XXXX and I was awarded a letter that my student loans were cancelled per case XXXX XX/XX/2020 I have opened several disputes with XXXX and I am not getting any feed back and they are not looking at the order I sent over a copy of this for them Then I reached out to Navient, and they refused to give me a good physical address to send over a coy of the court order the representative I was speaking to was XXXX XXXX XXXX XXXX XXXX XXXX A representative will be with you shortly. 
XXXX XXXX.XXXX XXXX  is joining the chat. 
XXXX XXXX XXXX XXXX.Hi, my name is XXXX from Navient, how may I be any of assistance for you today please? 
XXXX XXXX XXXX XXXX.Hello XXXX XXXX XXXX.are you a real person or A.I.? 
XXXX XXXX XXXX XXXX.I am a real person, how may I help you today please? 
XXXX XXXX XXXX XXXXok I have a case number XXXX that discharges all of my student loans as of XX/XX/2020 I am looking for a good address and email address to send over a copy of the court discharge because this is still showing up on my credit report XXXX XXXX XXXX XXXXOkay, before I can assist you with any request, I do have to ask for a good contact telephone number for your account please. 
XXXX XXXX XXXX XXXX XXXX XXXX.what is a good email address to send over a copy of my discharge XXXX XXXX XXXX XXXX.Thank you, I will need to ask you to help contact you more efficiently, may Navient and its subsidiaries, affiliates and agents contact you at this number using an auto dialer or pre-recorded messages regarding your current or future accounts? 
XXXX XXXX XXXX XXXXthere is no reason for future contaxct all myloans have been discharged XXXX XXXX.I need a good email address and good physical address XXXX XXXX XXXX XXXX.I apologize, but I do need a clear yes or no to contact your cell phone number please. 
XXXX XXXX XXXX XXXX.sure yes XXXX XXXX XXXX XXXX.To help contact you more efficiently, may Navient and its subsidiaries, affiliates and agents send text messages to you at this number using an auto dialer regarding your current or future accounts? 
XXXX XXXX XXXX XXXX.now what is a good email address and a good physical address XXXX XXXX.thats ok I will have my attorney contact you and screen shot this conversation of you avoiding my questions XXXX XXXX XXXX XXXX.Thank you, unfortunately, I can not assist you in this chat with any questions about your loans. You will need to call the charged off department at XXXX. Do you have any other questions today?
Consumer complaint received 2021-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MN)

The XXXX XXXX Installment Loan Account listed on my XXXX and Equifax credit report for {$5200.00}, and that was opened on XX/XX/2021 is not my account. Its a fraudulent and unauthorized installment loan account. XXXX XXXX XXXX XXXX XXXX XXXX from XX/XX/2021 is a fraudulent and unauthorized credit inquiry.
Consumer complaint received 2021-02-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (MA)

Received notice from Paypal that my account was limited permanently for violating terms of use, however I never violated any of the terms and they won't tell me what term they think was violated. Account has {$7700.00} that they are holding for 180 days. Called XX/XX/21 to ask for clarification was told that nobody can tell me why it was limited, but no other option than to wait 180 days. 

I recently stopped using Paypal because XXXX moved me over to managed payment. My guess is that I was flagged for keeping a higher balance and that they are holding my money to collect interest knowing that I am no longer collecting money through their system.
Consumer complaint received 2021-02-02
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A. (CO)

Citi Bank. I settled two Citi credit card debts with a debt collector ( XXXX XXXX XXXX XXXX XXXX working for Citi Bank, N.A. on XX/XX/XXXX and XXXX XXXX, attorneys at law working for a debt buyer ( XXXX  XXXX  XXXX XXXX assignee of Citi Bank N.A. ). I paid XXXX XXXX XXXX via Two- {$500.00} and a second for {$500.00} on XX/XX/XXXX and paid XXXX XXXX XXXX XXXX  with two- {$1000.00} and a Secord {$240.00} on XX/XX/XXXX. I need two tax forms ( 1099-C ) s from Citi bank, N. A. for the settlement accounts - {$2300.00} forgiven on account ending in XXXX and {$730.00} forgiven on card ending in XXXX. I have been in contact with Citi Bank, N. A and even " management office '' ; however, I can not get information about the two tax forms.
Consumer complaint received 2017-11-02
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 — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC. (MO)

on XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX I mailed a certified dispute to XXXX, XXXX, XXXX concerning the Dept of Ed/Navient accounts reporting a series of late payments inaccurately. I requested the documents they had in their file at the time is sent letter to verify the late payments against my records and was sent a response the accounts were verified but no documentation. in XXXX of XX/XX/XXXXmy payment history reflects Ok/Current and the following month XX/XX/XXXX it reflecting a 90 day late and 120 day late the 5 following months. in XXXX of XXXX my payment history reflects Ok/Current and the following month XX/XX/XXXX it reflecting a 90 day late and 120 day late the 5 following months. in XXXX of XX/XX/XXXXmy payment history reflects Ok/Current and the following month XX/XX/XXXXit reflecting a 90 day late ... It is impossible for my account be current one month and report 90 days late the following month. 

I sent the above complaint to XXXX, XXXX and XXXX. XXXX responded stating that they store information in their records as it is supplied to them by creditors.
Consumer complaint received 2023-03-01
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. (AL)

I, XXXX XXXX XXXX, am acting on my own behalf and HAVE NOT used a third party for this dispute. This dispute was not filed in error. Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX and autograph as the agent , attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Truth in Lending Act protects the natural person against inaccurate and unfair credit billing and credit card practices. Fact, the Truth In Lending Act Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose, to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. Notice, it is a fact, affiant is aware, 15 U.S.Code 1637 ( b ) ( 2 ) ( A ) refers to a request to resolve a billing error, by providing all documentary evidence for clarification of who funded the account. Until that request is done DEPT OF EDUCATION/NELNET can not report late payments in accordance with regulations of the Bureau,12 CFR 1026.13 ( d ) ( 3 ). If XXXX XXXX XXXX reports late payments without meeting the requirements under 15 U.S.Code 1637 ( b ) this is a violation of 15 U.S.Code 1666b and all late payments reported associated with the account numbers XXXX. Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. I do not consent to these proceedings. I do not require subrogation of the bond to settle the charge.
Consumer complaint received 2021-01-24
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. (FL)

Pursuant to 15 USC 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- such financial institution clearly and conspicuously DISCLOSES to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such a third party ; and the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

Notice, congress said that the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such a third party and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. The fact that I was never given an explanation of how I can exercise that nondisclosure option is immediate grounds for removal. 

Accounts : Creditor : XXXX XXXX XXXX  XXXX XXXX Account : XXXX Creditor : XXXX  XXXX XXXX Account : XXXX Creditor : XXXX XXXX Account : XXXX Creditor : XXXX XXXX Account : XXXX Creditor : XXXX XXXX Account : XXXX Creditor : XXXX- Account : XXXX Creditor : XXXX  XXXX XXXX  XXXX- Account : XXXX Creditor : XXXX  XXXX- Account : XXXX Creditor : XXXX XXXX Account : XXXX Creditor : XXXX Account : XXXX Creditor : XXXX  XXXX  XXXX  XXXX- Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX  XXXX- Account : XXXX Creditor : XXXX  XXXX- Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX REMOVE UNAUTHORIZED Inquiries attached to this notice XXXX