davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (OH)

I was a victim of a fraud scam that occurred on XX/XX/2018. 
The scam involved me sending an unknown recipient money via the XXXX app associated with my XXXX checking account. A total of {$830.00} was lost to the scammer. 
At the time, I had a balance of {$0.00} in my XXXX account because I had moved to a new location that didnt have any XXXX banks and therefore transferred all of my money to a different bank. 
The scammer sent me a bad check for {$1300.00}. I cashed it at XXXX. The {$1300.00} showed up in my account. I then sent {$830.00} of that money to the same person. Then the check came back as bad and I was left with a negative - {$830.00} balance in my XXXX bank account. 

I reported the incident to my bank, XXXX. I also filed a police report. 
XXXX sent me a letter in the mail saying that my situation was not considered valid as fraud and they would not be paying the - {$830.00} balance in my account. They also charged me tons of late fees on the negative balance and then, after two weeks, closed the account. Blacklisting me from opening up any new bank accounts with anyone else in the future. 
During a phone conversation with a XXXX Escalation manager, I asked why my situation was not considered a valid fraud and was told theres no way we can prove that you didnt just send the money to a friend. This is a lesson you need to learn. Its only {$830.00}, you can make payments on it. We cant make an exception for you because if we did, the feds would come after us. We cant make an exception for you because if we did, youd go and tell all your friends about it, theyd try to get away with the same thing and we would go bankrupt. 

The man I spoke to said I dont think anyone at XXXX would believe you were trying to scam us out of money. But theres no protection for this. Its a very common scam that happens to hundreds of people a day. 

My complaint with XXXX and XXXX, Which is the app that was used to send the money, is that there were no protections in place for this very common type of fraud. Why was a {$1300.00} check cleared that later determined to be bad? 
Why was a transaction of {$830.00} allowed to go out from an account that had no money in it and why wasnt I alerted? If this scam is as common as I was told it is, why arent there protections in place by both the bank and XXXX? 
People put their money in banks to keep it safe. And banks are using a money transfer service that has less buyer protection than XXXX. I would have better safety making my transactions on my own.
Consumer complaint received 2022-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (OH)

In XXXX I leased a brand new Nissan XXXX. The contract stated that the lease was for XXXX years and I was not to go over XXXX mileage. 

In XXXX of XXXX, when my lease was up I returned the Nissan XXXX in good standing and in good condition. 

The mileage was just over XXXX ; well below the alloted mileage. 

Nissan has the status as the account is still open, when the account should be closed ; it also shows that the payments are current as well as on time, however, I returned the Nissan XXXX back in XXXX of XXXX. 

I called Nissan 's financial department and the person I spoke with stated that she could not find any information on my account. I asked her how can this be since on my credit report shows that it is still open and current with the payments. 

The person could not answer my question, however she gave me an address for me and told me that the only way to resolve this matter was to send a letter to the address below. 

account # XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX The person stated that I have to write them because they will no accept a phone call. 

I have written XXXX twice asking them to either remove this account or to change the status from open to close. 

I have not received a response, nor has anything been changed on the account. It does show a last payment of {$290.00} was received in XXXX of XXXX. How can the payments be current when I returned the leased Nissan XXXX back in XXXX of XXXX? Especially when the lease was for XXXX years, and not XXXX years? 

If they do not have any record of my account, then I feel the account should be either removed or status changed to close. 

I do not possess the Nissan XXXX, I possess a XXXX XXXX now. 

I have been trying to buy a house, and I am unable to get an approval letter because of Nissan. The USDA Direct Home Loan program, says the debt to income ratio shows that my debt is over extended because of Nissan.
Consumer complaint received 2022-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I noticed that the XXXX XXXX Accounts on my credit report were reporting different information for all three credit bureaus. The inconsistent and inaccurate information ranged from different dates for the last payment, last activity, account status and more. I sent 5 letters to all 3 credit bureaus requesting they investigate the inaccuracies on the XXXX XXXX XXXX. XXXX has failed to respond to any of my requests. 

I sent a letter to TransUnion, XXXX and XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX requesting they do an investigation to ensure the accounts were reporting accurately ( letters attached ). 

XXXX is reporting in the balance history a balance of {$16000.00} starting in XX/XX/XXXX. They are also reporting that in XX/XX/XXXX a {$50.00} payment was made. However, the months to follow still show a balance of {$16000.00}. How is that possible? Why are they saying I made a payment? And if I did make a payment why is the balance still the same? I pointed this out in my last letter and they came back with the account being verified as accurate ( see XXXX error attachment ). TransUnion and XXXX is reporting the same balance. 

XXXX responded back XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX verifying the accounts as accurate ( see attached ) TransUnion responded back XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX verifying the accounts as accurate ( see attached ) and XX/XX/XXXX questioning my identity. 

XXXX has not responded to any of my letters.
Consumer complaint received 2019-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

Capital One Bank USA NA # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX They were to automatically withdraw the payment and did not because I am on autopay. They were called and they were to fix it and said they did. Now I see from checking they haven't fixed the problem. I was not late at all. I paid the payment online after talking to them. Because they did not take the payment out, which definitely not my fault. It clearly was there. The payment they missed was XX/XX/2018. 
As you can see I take my payments very seriously. I go back five years and have never missed or been late on one payment. Thank you for your time, it is greatly appreciated. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-08-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the Fair Credit Reporting act the below accounts, have violated my rights. 

XXXX  Account # XXXX XXXX  Account # XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX  # XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Account XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX Account # XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX Account # XXXXXXXX XXXX  Account # XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Account XXXX XXXX
Consumer complaint received 2022-08-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc (CA)

I had filed a dispute for a charge of {$110.00}. Chime issued a provisional credit for the amount. On XX/XX/2022 I showed a debit for the same amount by the same company. Called chime and reported it. Nobody could give me an answer as to who, why or where this charge came from. This charge left my account negative. Today, I finally am told that that was supposed to be credit to my account and not a charge? I waz told they made a mistake. 

How do you mistake a credit from a debit? I don't need mistakes of {$110.00} being made with my money! I had payments bouncing and it causes many problems. 

This isn't the first time chime has screwed up my account. Something needs to be done to this place for what they do! 

I am now told that they will escalate this situation to get it straightened out. 

I've been told this since I first reported the problem on the XXXX!
Consumer complaint received 2022-08-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (CA)

On XX/XX/XXXX, I applied and was approved for the American Express XXXX XXXX online at americanexpress.com. As part of signing up for the XXXX XXXX, American Express offered me XXXX membership rewards points if I spend {$4000.00} on the new card in XXXX months. I received the XXXX XXXX a few days later. Within 2 or 3 months, I had spent over {$4000.00} on the card, and continuously checked my American Express account for the membership rewards points I was owed. However, they did not appear. I made a call to American Express around XX/XX/XXXX, and expressed my concern, but was told that it may take up to a month to receive my points. I continued to wait but did not receive the points. It was at this point, after multiple calls to American Express, that I learned that American Express will not be giving me the points because the " offer listed on my account '' was for a spend of {$5000.00} in XXXX months, which I did not meet. This was the first time I had heard of this discrepancy. In XX/XX/XXXX I called American Express at least 6 times to try to get this resolved to no avail. They seem to have no record of the actual offer they presented to me in XX/XX/XXXX.
Consumer complaint received 2022-08-10
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: Experian Information Solutions Inc. (MI)

This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to Experian Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 
XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX Balance {$230.00} U S DEPT OF EDXXXX XXXX XXXX {$4200.00} U S DEPT OF EDXXXX XXXX XXXX {$650.00} XXXX XXXX XXXX Original creditor XXXX XXXX Balance {$2200.00}
Consumer complaint received 2022-08-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

I contacted Citizens Bank today to find out why a check I mobile deposited last week is still pending on my account. I was told the check was being investigated by the fraud department. 

My issues are : - I was not contacted by the bank to let me know this was taking place. 
- I have deposited at least four checks from this company that the check is from. 
- The check is for {$3400.00}, not {$34000.00}. Why is it being investigated in the first place? 
- Why is the bank post date for the check XX/XX/15, almost two weeks after I deposited it without any explaination?
Consumer complaint received 2022-08-10
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Credit limit changed — 
Company: GreenSky, LLC (MN)

On XX/XX/2022 I was approved for a loan through Greensky LLC. I received email stating I was approved. The loan was for work I was having completed on my home. Once the work was completed, I contacted Greensky to submit funds so I could pay for the services. On XX/XX/XXXX, I was told the loan was no longer approved and had to contact the fraud department for additional information. I contacted the fraud department and was told I needed to submit a copy of the front and back of my drivers license in order to be reconsidered for the loan. I submitted a copy that day and received an email that it was received. I was told this is requested for all customers. I also requested that the line of credit be decreased since we did not need what was originally approved. They stated once the loan was reactivated it could be decreased. 
I then received a letter dated XX/XX/XXXX from Greensky ( attached ) that the loan and request for a credit limit increase was declined. It also stated that our credit was ran through XXXX and information received was the reason for the decline. 
When I called on XX/XX/2022, I was put on hold for over 25 minutes by the associate picking up the line and placing me back on hold several times. I believe this was done intentionally hoping I would hang up because they did not want to talk to me or approve my loan. When I finally did talk to a manager, I was told I was not declined but they needed an additional copy of my drivers license. Between XX/XX/XXXX and XX/XX/XXXX, I did not receive communication that any additional information was needed. I inquired why we received a decline letter if the loan was previously approved and if all that was needed was a copy of the license that they already had, I should not have received a decline letter for that reason. I also inquired why my credit was pulled additional times. Greensky could not explain why I received the letter and stated I was not declined and could not verify if my credit was pulled multiple times. 
I am worried that my credit was pulled multiple times and is now affecting my credit and credit score and that they did not want to approve the loan because I am elderly.

I believe Greensky has insufficient business practices and is practicing disparate treatment towards the elderly.
Consumer complaint received 2022-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I have submitted disputes to you and I did not get a response within 30 days and you are required by law to do so. Please investigate my disputes, please. Thank you.
Consumer complaint received 2023-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 2022-08-10
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: PNC Bank N.A. (DC)

I am a student in XXXX XXXX, from XXXX. I was contacted by friend XXXX XXXX XXXX on XXXX of XX/XX/2022, that he has a potential client in the XXXX who can only send you money via the Cashiers Check and not wire him directly. As i live in the XXXX, i offered to cash the check on his behalf and send him the money. 

A few days later, the client of my friend who went by the name, XXXX XXXX, contacted me saying that i will be receiving the check via mail in a few days. 

When i received the check, it was more than the amount that my friend had decided. The scammer, XXXX XXXX, told me that the extra amount needs to be paid to his supervisor so he can release the drawings for his house which he had been mentioning before. The decided fees with my friend was XXXX, but XXXX additional was sent. 
Then an accounting officer contacted me who said how to deposit the check in the XXXX XXXX, but the XXXX XXXX  didnt allow to deposit the check. 

Then i was sent another check, which was of an even bigger amount, which was XXXX and i was asked to transfer XXXX to different accounts, leaving me with XXXX USD which was supposed to be a part of my friends working fees. 

Just when i transferred the amounts, something clicked with my friend and he said its a scam. But it was too late, the funds were available and the funds were transferred. 

We tried contacting the PNC bank immediately when the funds were transferred, so we can do something about it. PNC bank assured us that the checks were cleared and there was nothing to worry about. 
The checks were deposited in person, and the checks were still not caught by the cashier if they were fake or not. They were still cashed, the funds were made available and then i am being held liable for so much money because banks have a stupid law to make the funds available. 

The securities officer from PNC told that they wouldnt help us in anyway and we are liable to pay the amount to PNC which is in their policy but theres no mentions of scams like this, or even when the accounts are opened. The bank operator called the checks were clear and that there was nothing to worry about. How are banks not ready for this. 

on top of that PNC would deny to help us or even listen to us.
Consumer complaint received 2022-08-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: Simpson Law Firm, P.A. (MS)

Had fees from a credit union account was closed for insufficient funds my account was sold to third party and my wages were garnish five years later.is there not a statute of limitations XXXX XXXX XXXX received judgment or Simpson law firm collecting agency in XXXX Mississippi on XXXX XXXX but my job wasnt located until XX/XX/2020 why was I still garnish after 5 years? Because of Covid I asked if I could make arrangements because of reduced wages but they said no I want my money back and something done about this company. My hours are not much and Im still being garnishment to this day its sad
Consumer complaint received 2022-08-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (MD)

Based on information I was provided by the Nelnet agent XXXX on XX/XX/XXXX ( see attachment ) two payments of {$2600.00} on XX/XX/XXXX and XX/XX/XXXX were made. I was told these payments would be applied to future minimum payments due. 

I am now being told that those payments would not be applied to future minimum payments due, and that I was given wrong information. I did this to get ahead on my student loan payments, and had I known these payments would not be applied to future minimum payments due, I would have held onto the money and paid it when it was due. 

I made these payments based on false information provided by Nelnet.
Consumer complaint received 2022-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TN)

Re : XXXX XXXX XXXXXXXX XXXX  XXXX Serious Problems VIN : XXXX I submitted this letter in XXXX of XXXX, the following : ( 1 ) XXXX XXXX XXXX of XXXX, TXXXX, and ( 2 ) XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX was provided too XXXX XXXX and XXXX XXXX, in XXXX of XXXX!! 

As the car finance company, XXXX XXXX proceeded to do nothing about my constant attempts to resolve the serious problems, I was having with my XXXX XXXXXXXX XXXX XXXX. 

My XXXX XXXX XXXXXXXX XXXX had multiple Transmission and Air Bag Problems including the following : Air Bag Problems include the following : ( 1 ) poorly functioning and ( 2 ) pop-out of position while driving or at a complete stop. 
Transmission Problems include the following : ( 1 ) made loud noises, ( 2 ) vibrating and shake during driving, ( 3 ) CVT slipping, ( 4 ) chokes-jumps when accelerating, ( 5 ) failure to go into reverse, and ( 6 ) transmission failure-stopped completely died on the highway. 
XXXX XXXXXXXX XXXX XXXX CVT transmission. 

Despite XXXX recalling XXXX XXXX XXXX vehicles, I XXXX XXXX XXXX, never received any type of Notification the Recall!! XXXX recalled nearly XXXX model-year XXXX XXXX XXXX due to Bad transmission. 

In XXXX, my car started making Horrible noises from the vehicle transmission. Despite XXXX recalling XXXX XXXX XXXX vehicles, I never received any type of Notification the Recall!! 

XXXX recalled nearly XXXX model-year XXXX XXXX XXXX  due to Bad transmission. In XXXX, my car started making Horrible noises from the vehicle transmission. 
During late, XXXX and early XXXX, my XXXX XXXX transmission problems progressed to the point where after stopping completely, it had to slightly accelerate so that the rpms would drop then reapply the accelerator. 

I never received any Notification of XXXX issued Service Campaign Bulletin XXXX, Service Campaign for the XXXX XXXX XXXX  XXXX. This campaign was issued to address noise, vibration and poor acceleration caused by belt slippage in the XXXX transmission with the fix reprogramming of the XXXX XXXX XXXX ( XXXX ). 

XXXX then issued Technical Service Bulletin ( TSB ) XXXX XXXX to address Judder on Deceleration Under 15 MPH. 

During the last 6-plus years, XXXX XXXX reported and destroyed my Credit and by sending negative notices to all three Credit reporting Organizations Bureaus!!
Consumer complaint received 2022-08-10
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: Experian Information Solutions Inc. (MI)

All 3 bureaus contiue to report XXXX XXXX which is a student loan servicer as an open account that has been closed for XXXX  years and XXXX  months. I've contacted XXXX XXXX, disputed this account for YEARS on all of my accounts. It needs to be removed immediately!
Consumer complaint received 2022-08-10
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. (MI)

All 3 bureaus contiue to report XXXX XXXX which is a student loan servicer as an open account that has been closed for 9 years and 9 months. I've contacted XXXX XXXX, disputed this account for YEARS on all of my accounts. It needs to be removed immediately!