davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

I ordered my credit reports back inXX/XX/2023, and found inaccurate items on my report. So i submitted dispute letters to all three credit bureaus on XX/XX/2023. Advising of the inaccurate information. I have not received any investigation results and it is beyond the 30 days.
Consumer complaint received 2023-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IN)

I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.
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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (FL)

We used to use XXXXXXXX XXXX service a lot. Until one day something changed. Im not sure what happened but suddenly they could not deliver an order on time. Then, the orders started to not show up at all. If they show up half would be missing or it would be a completely different order. I dealt with it for awhile because we paid in advance for this service. Our last 2 orders were from XXXXXXXX XXXX XXXX Neither of those orders ever showed up. I attempted to cancel this XXXX order when it was already 40 minutes late. They refused to cancel the order. We were already heading to bed when a bag was dropped on our porch. It was food but not what we ordered. It was also nearly 2 hours late. At the time I sent pictures of it spilled on my porch & of the bag full of sauces. Unfortunately I have since upgraded my phone & lost a lot of those pics. They should be attached to my Apple dispute. I do not know why they are not. Apple keeps requesting info. I send it, they request it again. I feel like they are just ignoring my submissions & declining the dispute. I was able to go into my reviews & pull pics I posted of the garbage they delivered but not of the bags & of my porch where it was spilled. I have already submitted these pictures to Apple though. I dont understand why they did not attach them to my dispute. This dispute was initiated over 6 months ago. What did they do with my evidence? I am submitting it to the CFPB because I do not feel it is being adequately reviewed at Apple. If they go back to the original complaint that I filed on XX/XX/scrub>XXXX XXXX XXXX  theyll see I submitted hundreds of photos & screenshots to support my dispute. What Apple did with them is beyond me. Im hoping you can help them remember & find that original complaint because I am tired of constantly resending & reopening the dispute that I have already submitted evidence of on multiple occasions.
Consumer complaint received 2016-09-14
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (CA)

For the last year I have received Email messages from Wells fargo Bank about my online account but never opened them believing they were spam. I have no online or any other account with Wells Fargo. Since the action was taken against Wells Fargo for fraudulent consumer enrollment in various services, I thought my problem was included as part of the resolution until I received an Email this morning from Wells Fargo about my online account. I believe Wells Fargo has engaged and remains engaged in fraudulent activities that need to be addressed.
Consumer complaint received 2023-05-20
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: United Group Inc. (OR)

On XX/XX/2022 my husband and I purchased a used vehicle from creative credit. We had previously purchased a car from them and went through united for financing. We again used united. We purchased a warranty as part of buying the car. The cars original price was XXXX and we put down XXXX leaving a balance of XXXX plus the warranty. We were told we needed to pay off in 1 year so we were not carrying two auto loans. Within a month of bringing the car home it began to experience battery drain issues, not starting the following day. Over the course of XXXX through XXXX we purchased 3 batteries, a starter, and new spark plugs trying to stop the drain issue. We had the alternator tested and it was fine. On XX/XX/XXXX we brought it to creative credit shop and requested a diagnostic which we paid over XXXX for. If there was an issue the warranty would cover the diagnostic and the problem. After having the car for weeks and racking up over XXXX repair bill, the shop called and said they had figured it out, it was the stereo. When we asked how we owed over XXXX we were told they replaced multiple sensors, spark plugs, oil change, battery, battery cables, and the fuel pump. The fuel pump was covered under warranty. After getting warranty to take care of their part we over under XXXX. When we arrive at the shop we ask what they did about stereo, they said they unplugged it, which meant they still failed to fix the problem. We had to take it to another place and pay XXXX for that to be fixed. By XXXX the car began again to not start. We called the shop and they told us there was nothing they could do. By may the vehicle had to be towed home twice, and the last time it made a loud bang and would not start. We had the vehicle towed back to creative credit and made it clear that we are surrendering the vehicle. We were sold a lemon, the contract ended up being completely different than what we agreed to with us now owing more than the original price of the car, and the warranty is expired. United told us it wasnt their problem.
Consumer complaint received 2023-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (OR)

The private XXXX loan on all three of my credit reports XXXX XXXX, two of them, were taken out as indicated in XXXX. I graduated in XXXX. I filed bankruptcy in XXXX which was awarded in XXXX and they were included. They are private not federal so the discharge was granted. They were sent a copy of the discharge and initially removed this from my report. The co signer XXXX XXXX passed away in XXXX. Shortly after than it appeared, then disappeared, and has reappeared again. This was discharged in a bankruptcy in XXXX, it is a debt that is over 13 years old, and should not be on my report. This is NOT a federal XXXX loan, it is a PRIVATE loan.
Consumer complaint received 2023-05-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (CA)

American Express keeps giving inconsistent and misleading information on same subjects. 

I opened a new credit card with American Express on XX/XX/17. Before applying online, I called their customer service to confirm if they have next day delivery option since I will be away from the delivery address but need to use the card, the representative told me there is an instant card info service that applies to certain cards. So I asked her if that applies to me, she said, yes, since you are a new customer, you can have the instant card info and you will receive an email right after opening the account. However, after opening the account, I didn't receive such email. So I called them again, and the rep this time told it is not eligible to me. If I had known the first time I called, I wouldn't have opened the account at all. This is false advertising. 

Then, I looked it up on their website, and saw this statement " If you need to change the shipping address, please contact us. '' under the new card deliver page. So I reached out to an online chat rep and asked if they can change the delivery address. This rep told me, he can not do it but he gave me a number and said it can be done on the phone just not in the chat. With the previous experience, I asked him are you 100 % sure they can do it. He said he needed to further check and then messaged me " Yes, I can confirm they can do it. I dialed the number he gave me, but the rep on the phone said they can not do it but I can contact the new account service department and they can help me. So I did, but apparently they also told me there is nothing they can do. They can not change the delivery address whatsoever. 

So far, aside from getting false information and lied to, nothing has been done to solve any issue with the new account opening.
Consumer complaint received 2023-05-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Checkr, Inc (MO)

about six years ago i live in XXXX XXXX XXXX got sick got behind went to court for what i owe XXXX XXXX put me on a payment plan... ..paid it off on the dates they told me to do i paid it off in full got the letter and the payment plan sheet how i paid it and this judgement is not on any of my credit report cause it paid in full thank you
Consumer complaint received 2024-09-24
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: RockLoans Holdings LLC (LA)

My name is XXXX XXXX XXXX, a federal protected consumer me, and I am making this complaint against XXXX XXXX for committing identity theft. I have never given XXXX any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 USC sub section 1692e ( 12 ).

I have not validated any alleged debt XXXX XXXX and my failure to dispute the validity of these alleged debts shall not be construed as a trilateral contract, giving XXXX XXXX  any right to collect on this alleged debt, has insurance been file, has 1099c been filed and im requesting you provide me with your errors and omissions insurance number.

I have never received any documentation requesting validation from XXXX XXXX before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 USC 1692d ( 4 ), which the FTC defines as debt parking. If XXXX XXXX can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, Prior to furnishing on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation.

I am legally refusing to pay this debt pursant to 15 USC 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debt until the company can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced XXXX  continue its collection efort, I will file for litigation for actual damages caused XXXX XXXX will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt documents herein and of this notice, you are hereby notified Pursuant UCC1-202f. Your prompt attention and response are both requested and required.

ACCOUNT # *0046
Consumer complaint received 2023-05-18
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. (GA)

I am writing to formally request the removal of a debt from my credit report due to the failure of XXXX XXXX XXXXXXXX XXXX XXXX to comply with the provisions of Law 1006.34. This law protects consumers by establishing specific guidelines for debt collection practices and granting consumers certain rights and remedies. After thorough review of my credit report, I have discovered that an invalid debt is listed on my account. The debt in question is associated with XXXX XXXX  XXXX XXXX. Pursuant to Law 1006.34, debt collectors are required to validate a debt upon request within a specified timeframe. Failure to provide proper validation or demonstrate that the debt is valid and enforceable renders the debt invalid and unenforceable, as well as necessitates its removal from the consumer 's credit report. This company has failed to respond within the specified timeframe or provide any evidence validating the debt. I kindly request that you remove the invalid debt from my credit report immediately. It is important to note that any negative reporting or reference to this invalid debt on my credit history is inaccurate and unjustifiable. I trust that you will handle this matter with utmost diligence and in accordance with the laws governing credit reporting. Thank you for your attention to this matter and for upholding the consumer rights. I look forward to a swift resolution. Sincerely, XXXX XXXX
Consumer complaint received 2016-12-01
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (FL)

After a real estate sale XX/XX/XXXX, I deposited the proceeds check from XXXX XXXX, with the local Wells Fargo branch. The teller 's receipt stated the funds would be available the next day, XX/XX/XXXX. The next day I requested a payoff for an unrelated mortgage, the deposited funds were required for the payoff. I was alerted through email, on XX/XX/2016, that the funds I deposited with Wells Fargo would be held for 10 days, due to insufficient funds on the XXXX Account. I contacted XXXX XXXX and was told the funds were in fact available in the account. A manager from XXXX XXXX has provided me a letter stating the date the check cleared XXXX XXXX, XX/XX/2016. I attempted to get Wells Fargo to try again to remove the hold but was told it could not be done. After the 10 days, on XX/XX/2016, I proceeded with wiring the funds to payoff my mortgage, but because of the 10 day delay I was required to pay over {$400.00} in additional interest. I requested, from Wells Fargo, the additional interest be credited to my account since Wells Fargo erroneously held my money. On XX/XX/2016, I was contacted by XXXX XXXX at the XXXX XXXX branch, that Wells Fargo is prepared to return half of the interest I had to pay due to Wells Fargo holding my funds without my access for 10 days. This is not acceptable to me. Imagine multiplying my amount in question of {$280000.00} by the multitudes of Wells Fargo customers on a yearly basis. This illegal process of " Gaming '' as stated recently in a XXXX court, manipulates my money and probably thousands of other Wells Fargo customers, to generate interest for Wells Fargo. I find this gaming practice unethical and possibly criminal. This complaint constitutes a formal request to investigate Wells Fargo on this practice of holding customers money, after they have received funds in order to generate more income for themselves at the expense of their customers.
Consumer complaint received 2023-05-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (CT)

Payment of a full amount of a cash advance, the highest interest balance, was not appropriately applied per consumer regulations, resulting in some balance to remain in the cash advance bucket instead of purchases, resulting in interest charged on a balance that was fully paid.
Consumer complaint received 2023-05-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: M&T BANK CORPORATION (DE)

On XX/XX/XXXX I opened my mother`s estate, as she passed away on XX/XX/XXXX. I went to M & T Bank to obtain her checking/savings account information, spoke with a relationship banker & manager at the XXXX XXXX XXXX XXXX XXXX, DE. When she and the manager pulled my mother`s account they both advised me that there were XXXX checks that were fraudulently signed ( mother`s name forged ) totaling {$160000.00}. Therse checks were signed when my mother was on XXXX with XXXX XXXX XXXX. Both the manager and relationship banker advised me to go to the police and to XXXX XXXX ( the bank where the money was deposited ). On XX/XX/XXXX I returned to M & T Bank, per my attorney request to file a fraud claim. Speaking with the same representatives, they advised a claim should be filed, and they did, indicating it would take a week for a response. Less than 24 hours the same representative called to state " That they were unable to process the claim as the account was closed, the account closed due to the fraudulent activity that made her account balance XXXX. These checks should have been flagged/rejected, since the signature is not my mothers and does not match her signature on M & T Bank`s file , and my mother was the sole owner of the account. In addition, to it not being her signature, she never wrote checks that large of an amount and these checks were deposited using a mobile app. These actions should have alerted M & T Bank to flag these transactions. I have been to M & T Bank several times and have not been helped at all, I feel my issue is just ignored and they do not want to help. But I will not give up on trying to resolve this fraud activity.
Consumer complaint received 2016-09-13
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (CA)

We recently paid off our HELOC. We have been getting statements regularly from them for a few months. Called to close the account and was told that we need to pay a fee to draw up the papers to see if we could close it. I complained about this and the representative said they would draw up the papers and waive the fee. I just got a statement from them and it says they want us to pay XXXX separate fees to close the account. This was not disclosed to me and seems wrong. The statement clearly shows XXXX due. I should not have to pay for them to close the paid up account.
Consumer complaint received 2023-05-20
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO. (CA)

I had an account at Chase Bank that I used to transfer money to buy cryptocurrency it was purely a checking account that generally had {$200.00} to {$500.00} in it give or take. After periodically adding money and withdrawing money to transfer to by cryptocurrency I noticed I was being charged monthly for having less than {$500.00} in my account at the beginning and end of the month. I don't remember exactly how much the charge was but I was not spending money with a debit card or credit card attached this account I was purely transferring money to and from it. When I went to close the account knowing that I had at least {$100.00} in there I was told that I had a negative balance of over {$35.00} but they would be glad to wipe that to a XXXX for me. It makes no sense to me why banks are allowed to charge for simply not having {$500.00} in your account. I'm not talking about having {$500.00} in your account while you're trying to process a transaction or transfer I'm simply talking about not having {$500.00} in your account throughout the month and they charge you for that.
Consumer complaint received 2023-05-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (VA)

Midland Funding is reporting an {$850.00} debt to the credit agencies. I have not been sent any paperwork to explain the originality of this debt. Therefore I can not verify it is my debt. They have put derogatory remarks on my credit reports repeatedly and recently. It has caused my credit score to drop drastically. If proved this is my debt I am willing to make small payments each month until debt is paid off in full. But if theres no communication explaining where this debt came from I do not think it is fair practice to come out of no where years later and affect my credit score in this manner. They may contact me via text at XXXX. Thank you. XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX
Consumer complaint received 2023-05-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

Capital One Auto financing has been assessing most of my monthly and weekly vehicle payments that I have been making toward the interested rather than the principle. They continue to state that I'm late and behind when during the Covid pandemic 3 different months of extended time which was added to the end of the loan term which gave me more months to pay they are currently adding those 3 months to the current bills as if I'm late when those months were added to extend a longer loan term and after further review into my account I found that Capital one has being applying usury to my account and exceeding in the amount of yearly interest and my state of XXXX requires as well as my contract. 
They continue to threaten me with repossession for a Vehicle payment of which is not late, and I've made numerous attempts to make validation to their error, but I have yet to receive a response but more threats of Possession. I've requested proof but all they say is look at the contract I signed on the interest, but they have yet to provide me with absolute validation to the late payment claims.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MI)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.