davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-19
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (WA)

In late XXXX I deposited three checks in a Wells Fargo atm. As it was processing the checks, the atm displayed an error message and began rebooting. I panicked and waited in front of it in the hopes of getting my card and checks back. It gave me my card back, but not the checks. I called the number listed and filed a claim. Mind you that this atm is the only one in the entire city. Nine days later they adjusted the money into my account and sent me an apologetic letter saying that the money was put back into my account. Two months later I received a letter with a new claim number stating that an investigation was still ongoing. As it turns out, Wells Fargo started a new claim on my behalf and was looking for the checks from two months prior that were stuck in the machine. I sent them proof that the checks existed and the issuers of the checks confirmed that they had not yet been cashed. A month later they took the money out of my account and started another claim for me. Today I called asking for an update and they said there was nothing that they could do and to just ask the issuers to write new checks. The female representative said things like, its not our problem, people lose money in atms all the time so youre not the only one with this issue, we didnt take your money, a machine did, machines make mistakes all the time so youre not getting your money back, and we are not going to start a new claim for you. I have banked with Wells Fargo for over 14 years now and I even used to work for them. This was the most disheartening experience I have ever had and I still have not gotten my checks or money back nearly 5 months after THEIR atm kept my checks.
Consumer complaint received 2023-04-09
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA (NJ)

I returned my Kia lease at NJ XXXX XXXX dealership on XXXX. I paid the final bill on XXXX to KIA Finance. I was given statement by KIA that my account is closed and paid in full. Subsequently, later that month I received bill for overage miles and lease return fees, I quickly called to inquire and was told thats just an error based on delay in billing. I was again sent a paid in full letter on XX/XX/23 to reassure that my account is closed and no further payment is necessary. XX/XX/23 I was notified that my credit report was impacted due to supposed unpaid balance from KIA finance. I called KIA finance to inquire and was told the account is closed and paid in full and there is no known bill or way to pay. After endless time energy and hours on the phone with conflicting reports from different representatives, being ping ponged back and forth to various departments I was told the bill is valid but even though I had no way to possibly know about the bully or pay it until now because of their dysfunction and error I would still be liable as though it was overdue. I am not even disputing the validity of the charge rather the fact that my credit was now impacted by a bill that I was unaware of and unable to pay because of KIA finances awful delinquencies. Additionally none of the information post on my account is accurate or reflective of what I paid. For example the last paid in full letter I received ( the link to the paid in full letters expired so I had to request a copy of the letter again once I couldnt access it ) this letter was different than the previous and stated my final payment was in XXXX XXXX which is entirely inaccurate ( I had closed the account in XXXX and my final payment was {$600.00} ).
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I disputed late payment with Experian credit bureau, and they closed the dispute within 3 days, and they didn't even acknowledge the payment history with the company I'm disputing. It is wrong and it should be corrected ASAP. This is affecting me. I have never had any late payments. They did not take the proper steps to investigate this inaccurate/false information of late payments.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (LA)

Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.
Consumer complaint received 2023-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

Account XXXX XXXX is inaccurately reporting on my credit profile associated with my social security number and is in violation of my consumer rights per the following information : Based on the information provided, there are a few inconsistencies in the credit report that violate the Fair Credit Reporting Act ( FCRA ). 

First, there is a discrepancy in the account number between XXXX and XXXX. XXXX shows the full account number as XXXX, while XXXX shows only the first XXXX digits as XXXX. This inconsistency violates FCRA Section 607 ( b ), which requires consumer reporting agencies to provide complete and accurate information. 

Second, Equifax does not provide any information about the account type detail. XXXX and XXXX both show the account type as " Revolving '' and the account type detail as " Credit Card '' for XXXX and blank for XXXX. This inconsistency violates FCRA Section 607 ( b ), which requires consumer reporting agencies to provide complete and accurate information. 

Third, there is a discrepancy in the high credit amount reported by Equifax. XXXX and XXXX both show the high credit as {$730.00}, while Equifax shows it as {$600.00}. This inconsistency violates FCRA Section 607 ( b ), which requires consumer reporting agencies to provide complete and accurate information. 

Finally, there is a discrepancy in the last reported date between XXXX and XXXX. XXXX shows the last reported date as XX/XX/2016, while XXXX shows it as XX/XX/2016. This inconsistency violates FCRA Section 607 ( b ), which requires consumer reporting agencies to provide complete and accurate information. 

In summary, the inconsistencies in the credit report violate FCRA Section 607 ( b ), which requires consumer reporting agencies to provide complete and accurate information. Specifically, the inconsistencies involve incomplete account number reporting, incomplete account type reporting, inaccurate high credit reporting, and inconsistent last reported dates.
Consumer complaint received 2023-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (MA)

My XXXX  account is still showing in collections that I have a balance owed and the balance is currently paid in full. Ive disputed this 2 times and uploaded confirmation of payment showing my account is paid and full and everyone the dispute results come back there are no changes. 

I paid discover credit card off, I have proof of payment and they will not update my account
Consumer complaint received 2023-04-19
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. (OK)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-15
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. (IL)

This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that, Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint.
Consumer complaint received 2024-08-15
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. (TX)

I am writing to dispute the following information in my credit file due to being a victim of identity theft. 


These items ( inquiries ) from XXXX XXXX  date XX/XX/2024 XXXX Bank date XXXX, XXXX XXXX date XX/XX/2024 XXXX ( personal loan accounts ) XXXX XXXX date XX/XX/2024 amount {$49000.00} XXXXXXXX XXXX XXXX account # XXXX is inaccurate because I have not authorized nor consented these institutions to run a credit check on me or open new accounts. as well I am victim of identity theft, I am requesting that these items be removed. Per the FCRA 605 B 15 USC 1681c-2, If I didn't give authorization for these companies to run my credit or consent for these accounts it is the responsibility of the credit bureau to remove these inaccuracies from my credit file.
Consumer complaint received 2023-04-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: DOLLAR MUTUAL BANCORP (PA)

XXXX XXXX has a Free Checking Account ending XXXX. This account was opened on XX/XX/2022. On XX/XX/2022, he deposited a check into the account, in the amount of {$4500.00}. He also made a withdrawal in the amount of {$120.00}. Prior to the check being deposited ; his account balance was {$1.00}. After the deposit of the check his account balance had been {$4400.00}. The following day he made a debit card transaction in the amount of {$2500.00}. The transaction was with XXXX XXXX XXXXXXXX on XX/XX/2022. XXXX XXXX XXXXXXXX approved the withdraw and the plaintiff has never withdrawn any money from gambling account bankroll with XXXX XXXX XXXX XXXX. After this transaction had been processed the remaining balance left from the deposited check was {$11000.00}. Afterwards he attempted took withdraw more money and learned that restrictions had been applied to his account preventing his from processing any more withdraws. Additionally, he learned that the check had been returned to sender rather than allowing the remaining balance from the check in the amount of {$1100.00} be received and made payable to him therefore the sender XXXX XXXX discrepancies with the accountholder would be with merit therefore resulting into liability of the accountholder. However, the account holder should not bear any responsibility nor liability of the funds of the check wherein the only monetary value in which he actually received had been a withdraw in the amount of {$120.00}. The plaintiff needed the entire amount of the check, or it was useless to be used in the way it had been as the {$2500.00} deposit into XXXX had stayed with XXXX. Finally, Dollar Bank has valued the account holders free checking account at a negative balance of {$2600.00} with additions too late fees. Since this issue hasn't been resolved thus caused closure of the account. Either the remaining balance of the check should be made payable to the account holder XXXX XXXX or the entire check amount of {$4500.00} minus the {$120.00} withdraw equaling {$1400.00} should be made payable to XXXX XXXX. As the check had been expired when accepted by Dollar Bank and negligently deposited into the account holder 's free checking account the account holder should either receive the whole check or no check at all. No regulations allow a portion of a check made payable to an account holder to be seized when the issues of the check had been brought to the attention of the bank before depositing.
Consumer complaint received 2020-12-14
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc. (FL)

XXXX XXXX spoke to my bank about transactions done via Cashapp, the services that were supposed to be provided by the Person XXXX XXXX resulted to be a fraud and never did anywork and just blocked me, i disputed the charges and my bank said they dont have any dispute rights becaude is a third party transaction, that in most of the cases Cash app grants disputes done internally with your company since this was a fraudulent transaction. I requested the refunds on the app and it clearly says if after 7 days there is no response, an internal dispute will be open in Cash app to get the money back, up to today already 10 days Cash App is giving me zero responses. Transaction sent to XXXX XXXX I need help, I can't believe you will support scams that people do with your company name. My cash app ID is : $ XXXX
Consumer complaint received 2023-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SANTANDER HOLDINGS USA, INC. (PA)

In accordance with " The Fair Credit Reporting Act XXXX XXXX', Santander Consumer USA on XX/XX/2021, has violated my rights by way hard inquiry on my credit report. 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 2023-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

In XXXX of XXXX, I was contacted by XXXX XXXX by phone that my account was delinquent and that I needed to set up a payment plan later that month to avoid my account being charged off and sent to a collection agency. I called back after I was ready to set up a payment plan and after I had made sure I was speaking to someone with XXXX XXXX who was authorized to set up a payment plan. Though I was told that they could not re-age the account, I was given two options : pay a lower amount to settle the debt, or pay in full in installments to be eligible for a new account. I chose the latter, and paid off the debt ahead of schedule in XX/XX/XXXX. In XX/XX/XXXX, I received the application for a new XXXX XXXX XXXX card, completed it, and was approved for a line of credit of {$600.00}. That same month, I disputed the status of the old account as it had never been a charge-off. It was removed briefly with an improvement on all XXXX credit bureaus of about XXXX points. A week later, the remark reappeared, and neither XXXX XXXX nor the 3 credit bureaus have been cooperative in permanently removing the remark. My call to XXXX XXXX was routed to 5 different people, only to be told I would have to speak to someone at XXXX XXXX headquarters. XXXX XXXX told me I'd have to talk to the person in XXXX with whom I set up the payment plan, and that they had no ability to check records as their departments aren't connected. XXXX will not provide me with transcripts of the phone calls. This runaround is ridiculous, with one half of the company not knowing what the other is doing. I obviously paid as agreed when I received the new XXXX XXXX XXXX card from a XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. I was told XXXX doesn't issue new accounts to a former cardholder whose account was charged off, for several years, which is why I agreed to pay in full. This is causing a severe hardship in obtaining credit for personal and business purposes, which has deprived me of thousands of dollars in lost income. This company isn't " XXXX XXXX '' anymore, and has outsourced jobs to third world countries to save a few bucks. They know you can't get the agreement in writing so they must think that most people will just let it go. I know I'm right, I know XXXX never wrote off my account as " bad debt '', I know that claiming to do so would be considered income tax fraud, and I'm not letting this go until I receive justice.
Consumer complaint received 2023-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

After reviewing my credit report my personal seems to be compromised and I noticed inquiries from XXXX XXXX XXXX XXXX XXXX XXXX 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 DO NOT belong to me and I have not received services nor goods from these providers.
Consumer complaint received 2017-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Back in XXXX XXXX, I paid in person, my car bill as requested in my paper bill received for that month. Later, I was contacted by XXXX XXXX XXXX/ the auto lender, stating that I was more than 30 days late because I had only made a partial payment.
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I disputed that since I knew I had made my payment before being 30 days late and had paid more the amount due on the bill sent to me by the auto lender. The following month, I paid my bill before being 30 days late and for more than the bill amount due.
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Since then, my credit got seriously affected because they reported to the 3 credit bureaus that I paid 2 times 30 days late. I had never paid anything late and my report reflects this. My credit score was above XXXX and now is in the high 500 's! I have contacted the auto lender numerous times in an attempt to fix this matter and even asked for forgiveness if this was my honest mistake. Sadly, this was denied.
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Recently, I 've been keeping track of my auto loan monthly bills an de noticed that everyone of them shows a lesser amount due. Yesterday,XX/XX/XXXX, I contacted my auto lender and inquired about the difference in amounts due and long story LONG ... in speaking with XXXX at XXXX p/s/t, " I was NOT 30 days late in XXXX or XXXX XXXX. Nor did I make partial payments for either months. '' I asked to be kindly be mailed a letter reflecting this correction and she told me that she could not do this, but that instead I should reach all 3 bureaus and the bureaus would send paperwork to the auto lender and they would make the corrections at that time.
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Kindly assist me in doing this and advise me as to what I should do next.
Consumer complaint received 2023-04-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (CA)

For the second time in two years, my mortgage servicer, Dovenmuehle , Inc, has manipulated my account to manufacturer an escrow shortage. I believe Dovenmuehle does this as a pretext to jack up my monthly mortgage payment upon executing their next escrow analysis, due to occur in the month of XXXX each year. 

According to an email I received from an Escalation XXXX, XXXX XXXX on XX/XX/XXXX, she claimed that Dovenmuehle does a check of the balance due, BEFORE issuing payment. This statement, however, is false. Although I provided proof that there was an overpayment of my taxes via granted access to a shared folder on my XXXX XXXX account, XXXX XXXX claimed to not be able to open it. Which again I believe to be false. 

Additionally, the overpayment in the amount of {$1800.00}, was claimed to have been disbursed on XX/XX/2023. However, as of today ( XXXX ) 15 days later, no such payment in that amount has been received and applied to my property taxes by the XXXX XXXX XXXX XXXX and XXXX Collector. 

According to my property tax payment portal, there is a current balance due in the amount of {$1100.00}. If not paid in full by XX/XX/2023, two days from now, my taxes will be considered late and levied with a penalty. 

By now, Dovenmuehle 's payment should have been received, and applied, and a surplus credit of {$650.00} should be revealed on my account balance. However, as it stands now, the overpayment has not been received from Dovenmuehle. Thus, I am unable to discuss the matter with the XXXX Collector to discern how and when I will receive a refund of the surplus.
Consumer complaint received 2017-11-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (FL)

I have my student loan repayment through Nelnet. I logged on last month to complete my recertification for IBR and was shocked to find out I owe {$6000.00} more on my student loans now than I did one year ago. At no point in my discussion with Nelnet advisors was I informed that the interest on my unsubsidized loans would continue to accrue when I was paying less than the full amount of interest monthly. I had to figure out on my own that this is what must have happened by doing research after I discovered I now owe much more on my loans than a year ago. I would NEVER had agreed to the IBR plan had I known that my loans would INCREASE in amount instead of decrease! I feel that I have been scammed by Nelnet. I took the advice of the Nelnet advisors in picking the best plan for me and now I owe an extra {$6000.00} on my student loans. I feel that Nelnet is at a minimum guilty of negligence for not informing me the interest on the unsubsidized loans would accrue and add to my loan amount. I have never missed a single payment on my student loans. I was trying to make the most financially sound and responsible decisions regarding my student loan debt and I feel that I have been dealt a huge blow to my financial future. I emailed Nelnet XX/X/17 about this issue and never received a response.