davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo sent me a promotional email ( targeted ) to open checking account which reads -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Enjoy a {$320.00} checking bonus* Thank you for choosing Wells Fargo for your financial needs. 
To show our appreciation, we want to invite you to take advantage of this special offer a {$320.00} thank you bonus for opening a new eligible Wells Fargo checking account with {$1000.00} in qualifying electronic deposits. 
Only Everyday Checking is available to open from this email. 
How to avoid the $ 10 monthly service fee** Your bonus offer code is XXXX You must use your bonus offer code at account opening by XX/XX/year>. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Following the email, I opened the account. I just stated that it will check from social security administration. which I agreed.

Even then my application was rejected. 

If wells fargo has to reject my application- why they sent me a targeted offer like this?
Consumer complaint received 2024-10-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC. (MS)

My vehicle was financed through Santander Consumer USA on XX/XX/XXXX and my first payment was due on XX/XX/XXXX with the XXXX monthly being my due date. I've made several extra payments with this company and it has not reflected on my statements showing my correct due date. I've reached out to them several times via phone XXXX XXXX XXXX on XX/XX/XXXX @ XXXX XXXX call, XX/XX/XXXX @ XXXX min call, XX/XX/XXXX XXXX min call, XX/XX/XXXX XXXX XXXX call, XX/XX/XXXX @ XXXX XXXX min call, XX/XX/XXXX @ XXXX XXXX min call. Each call after the 1st call the representatives were very rude and unwilling to assist me. I only wanted my due dates to be corrected according to the extra payments I've made and clearly Santander is giving me a hard time & is NOT wanting to correct it which is why I've reached out so many times. I've also tried reaching out via messaging online with Santander on XX/XX/XXXX @ XXXX, XX/XX/XXXX @ XXXX, and XX/XX/XXXX @ XXXX but still no response. 
I am a good paying customer and Santander has giving me service from XXXX since day 1 simply b/c I am making extra payments and I feel like I have been violated and possibly discriminated against by Santander Consumer USA due to this. I am asking they correct this immediately or I'm demanding the agreement be null and void with them due to unfair practices on Santanders part. 
Paymens made - 1st pymnt for {$670.00} on XX/XX/XXXX, XXXX {$1600.00} on XX/XX/XXXX, XXXX {$100.00} XXXX, XXXX $ XXXX XX/XX/XXXX, $ XXXX XX/XX/XXXX, {$38.00} - XX/XX/XXXX, $ XXXX XX/XX/XXXX, $ XXXX XX/XX/XXXX, $ XXXX XX/XX/XXXX, $ XXXX XX/XX/XXXX, $ XXXX XX/XX/XXXX, $ XXXX XX/XX/XXXX, $ XXXX XX/XX/XXXX, $ XXXX XXXX, $ XXXX XXXX, $ XXXX XXXX, $ XXXX XX/XX/XXXX, $ XXXX XX/XX/XXXX, $ XXXX XX/XX/XXXX. 
Thank you CFPB for taking time to investigate this matter and to ensure predatory lending and violation of consumer protection rights are not taking place with Santander Consumer USA. Each time I reach out customer service, I get a rude representative unwilling to assist and rushes me off the phone after I've waited on hold with them for over 30 minutes most of the time. My worry is that if this is taking place with me and I'm paying as should what predatory practices are occurring with other thousands of customers that they have who are unwilling to speak out at this time.
Consumer complaint received 2024-10-11
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CA)

I have been dealing with the predatory actions of Sallie Mae now Navient since XXXX. They have increased fees, and charged {$200000.00} in default charges, which has impacted my life and finances. I have always lived paycheck to paycheck or worse because of them.
Consumer complaint received 2024-10-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

So basically on XX/XX/year>, I got charged {$2200.00} from a merchant called XXXX XXXX in XXXX XXXX , CA. I contacted chase & gave them proof. I lost my phone prior to this event & never found it. I thought my payment cards were okay. Till I got charged. So Chase gave me temporary credit till they resolved the case & I just found out that they declined my claim. Because the merchant submitted proof. Basically someone used my debit card to secure a deposit to get tattooed over XXXX XXXX dollars worth of tattoos. When I literally have XXXX tattoos & they have the appointment on the XXXX & XXXX. So basically Chase just told me no. When I never ever did this purchase?
Consumer complaint received 2024-10-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (CA)

I am having fee problem. I opened a new account with the bank. As it is fairly new, I have been waiting for a {$300.00} new account bonus. I may need to try again since it hasnt posted. 
I am unable to meet all of the requirements such as a {$500.00} direct deposit each month and {$5000.00} average daily balance in all accounts. I am having issues with all credit card payments through the banking app being set up to withdraw from this checking account when pressing XXXX card, Make payment and Pay it using the banks app. I started getting a monthly service fee assessment XXXX XXXX XXXX and I assumed I had until XXXX XXXX XXXX to get a reversal of that monthly service fee from XX/XX/XXXX and close the account. A new monthly service fee assessment posted XXXX XXXX before the account could have the fee reversal for the previous month. 

I needed the account closed so that I can press on can Pay card, Make payment and Pay it through the online credit card debiting program and not have the account balance be debited.
Consumer complaint received 2024-10-11
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO. (MI)

JPMCB CARD Chase Card Services XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX Last XXXX of XXXX XXXX The following account was charged off XX/XX/year>. Since then the account has been updated as charged off every month. This is an update in payment history. Charged off accounts should not include active payment history. Under the Fair Credit Reporting Act, creditors are required to report accurate information. If there have been payments or changes to the account status, creditors should update this information accordingly. As I understand, under IRS regulations, creditors are required to report canceled debts of {$600.00} or more using Form 1099-C. 

I am demanding deletion of the following account. 
JPMCB CARD XXXX
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (PA)

Navient has inaccurately reported late payments on multiple student loan accounts despite the fact that these accounts were never late, as they were under enrollment deferment, standard deferment, or hardship deferment. According to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ), furnishers of information to credit reporting agencies, such as Navient, are required to report accurate information. When I contacted Navient on multiple occasions to request verification and correction of these inaccuracies, they failed to respond or rectify the errors as required by law.

Additionally, under 15 U.S.C. 1681i, the credit reporting agencies are obligated to conduct a reasonable investigation when a consumer disputes information on their credit report. Despite my formal requests to XXXX, XXXX, and XXXX to investigate these errors, none of the agencies completed a proper investigation or corrected the inaccurate information.
Consumer complaint received 2023-07-10
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: EQUIFAX, INC. (NY)

On XX/XX/2023 I asked the credit bureaus to do a verification of everything on my credit report. They did, stating that everything is accurate. I did a thorough research myself and found improper inaccuracies. In accordance with the Fair Credit Reporting Act, XXXX, Equifax, and XXXX XXXX XXXX accounts listed below, has violated my rights : XXXX-ACCOUNT # XXXX XXXX # XXXXXXXX XXXX-ACCOUNT # XXXX XXXX XXXX-ACCOUNT # XXXXXXXX XXXXACCOUNT # XXXX 15 U.S.C 1681 Section 602 A, states I have a 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 written instructions.
Consumer complaint received 2024-10-11
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CLGF Holdco 1, LLC (CA)

XX/XX/year> got a fraud notification! to send in documents to verify identity! 

credit card company recieved documents XX/XX/XXXX said it would take XXXX business days! 

called again on the XXXX was told my documents where reassigned and it would take another XXXX - XXXX business days to verify my documents! 

proceeded to call every day 5 days while getting the same run around answers about my documents being reassigned and they need to take a extra step! 

it's going on 30 days and my.issue has not been resolved!
Consumer complaint received 2024-10-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIRST INTERSTATE BANCSYSTEM, INC. (NE)

The repetitive of incidents that keep happening with this company is a high risk that it puts client 's information at risk. On XX/XX/year>, I went to First Interstate Bank in XXXX, XXXX XXXX XXXX XXXX XXXX location. The purpose of the visit was to make a deposit of {$300.00} into my checking account I sent my gov state ID & ATM card to the teller. The {$300.00} was deposited into a different account that belonged to a different customer I am unsure how that happened considering I gave the teller my ID & ATM/Debit card. It is concerning how this company is allowing their staff handle these situations. As I was finishing fixing the error with the branch manager another staff member felt the need to inform me that I can go to another branch since these issues I keep having with this location.
Consumer complaint received 2024-10-10
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (MD)

Navient violated the Consumer Financial Protection Act, the Fair Credit Reporting Act, and the Fair Debt Collection Practices Act. In addition to its unlawful steering activities, the CFPB alleges Navient harmed student loan borrowers by : Misleading myself and my mother who is the co signer about income-driven repayment plans : Navient failed to adequately notify borrowers who enrolled in income-driven repayment plans about the requirement to annually recertify their enrollment. 
My loans have had varying interest rates and monthly payments. 

I was told my mom could be released which was a lie. I was deceived about Navients requirements for cosigner release : Navient made representations to private loan borrowers that if they paid down their loans in a certain way, they could apply for their cosigners to be released. But Navient did not honor those representations for some borrowers.
Consumer complaint received 2020-08-18
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: RedBrick Financial Group Inc. (MD)

I have been trying to have an account ( # XXXX XXXX with Redbrick Financial that is not mine removed from my credit file from XXXX for over a year. However despite much evidence the company Redbrick Financial located XXXX XXXX XXXX, XXXX XXXX XXXX, IA XXXX placed this on my report refuses to remove. 


Despite multiple requests to review Redbrick refuses to remove said account from my report and has caused me irreparable harm. 

Redbrick not only refuses to agree with the removal but has made fraudulent statements to XXXX and my attorney regarding this account. Redbrick falsely claimed they Verified my signature. How do they verify my signature without my signature? 

Redbrick failed to conduct minimal diligence despite sufficient evidence submitted to the contrary and multiple requests/disputes. ( Evidence attached of disputes filed in XXXX and XXXX ). One of the disputes attached is from XXXX who agreed to remove in XXXX. XXXX refused to remove in both XXXX and XXXX. 

Redbrick refuses to investigate my disputes and or acknowledge that I am not a signor on the account in question. I have provided above and beyond what is required to show the account is not mine and should be removed. 
XXXX XXXX was last point of contact at Redbrick. 

I ask that you investigate the business practices of Redbrick. Their failure to remove this account from my file has caused me personal and financial harm and they should not be permitted to operate in such an unscrupulous manner. 

I have also attached two letters ( witnessed and or notarized ) submitted to Redbrick yet they still refuse to remove account from credit file.
Consumer complaint received 2020-08-18
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: CBC Companies, Inc. (TX)

Factual Data accessed my credit report without permissible purpose ( section 604 ), without my permission and then claimed the report was accessed for one of their clients. Factual Data then informed me I needed to contact their client company to have Factual Data removed from my credit report even though Factual Data is  listed as the one making inquiry???????? And now two companies have my personal info??????? This is so wrong per many sections of the FCRA!!! Are we becoming a third world country?
Consumer complaint received 2024-10-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (VA)

I was granted a XXXX XXXX dismissal and I paid XXXX cash to settle ALL my accounts which every single one was zero'ed put on all my credit reports except XXXX with citibank ( XXXX XXXX now for XXXX ). I have been diagnosed with XXXX in both hips and can no longer do hospitality after XXXX years per my team of doctors. This XXXX XXXX XXXXXXXX was the result of being left destitute after my marriage of XXXX years, and I am slowly still rebuilding XXXX years later. Please help me put this debt where it belongs which is within my XXXX XXXX XXXX  from XXXX of XXXX as I have an outstanding credit record for decades before that marriage as I funded his dreams which I had to learn the hard way to NEVER do again : ( Thank you in advance for your kindness and help with this matter. God bless you!
Consumer complaint received 2020-08-18
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. (MS)

XXXX, XXXX  and Experian are reporting an unverifiable, inaccurate bankruptcy on my credit report. From the court name, to reference number, all the information is reporting inaccurately and WRONG. These reporting agencies claim to have gotten this information from XXXX XXXX. XXXX XXXX has sense removed this inaccurate information, and currently are looking to be sued by my attorney for the damages brought to my credit report. Furthermore, the court house whom is the original creditor, responded that they do NOT furnish this information to the credit reporting agencies nor do they furnish this information to third parties such as lexis nexis
Consumer complaint received 2020-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

Experian, XXXX, and XXXX  are reporting FRAUDULENT DEBT on my credit report from the XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX CHILD SUPPORT SERVICES ( DCSS ) D-U-N-S # : XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX XXXX ], XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, in which I, Secured Party - Creditor - Holder-In-Due-Course, have Perfected Security Interest, XXXX recorded with the XXXX XXXX XXXX XXXX. The absconding DEBTORS agree to pay Secured Party {>= $1,000,000}. ( XXXX XXXX, XXXX XXXX & XXXX XXXX XXXX  ) in Functional United States Currency, gold and/or silver equivalent by the ounce at current market value with daily interest of 9 % for Commercial Dishonor. 
See. https : XXXX.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (NC)

discover card account was closed. the account is listed as charge off for 10 straight months however an account only charges off once and once it was charged off the balance was written off by the company no 1099c was issued or provided and the account is being reported inaccurately on my credit report every month a collection agency is now trying to collect on the account but if they wrote it off how can another company collect on it too. it is not properly being reported anda hasa not been for the lat year. please delete
Consumer complaint received 2020-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Texas XXXX XXXX : XXXX DOB : XXXX Experian XXXX XXXX  XXXX XXXX, TX XXXX Attention : Consumer Relations, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. 
Item # 1 : I dispute XXXX XXXX XXXX, this is not mines. I have payment history as proof. Please delete this account. I have sent copy of dispute with original creditor prior to sale of account debt. 
Item # 2 : I dispute this account XXXX  XXXX XXXX - XXXX, the balance is wrong and the account is being paid monthly. This account should never have any charge offs. If account is sold, the balance should be XXXX. Please delete this account. 
Item # 3 : I dispute XXXX XXXX  - XXXX, this account is more than 10 years old and should be deleted from report. 
I am also dispute the inquires below on page 2. 
Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report. 
In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. 
Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items. 
Thank you for your prompt attention in this matter. 
Respectfully, XXXX XXXX XXXX The inquiries below are not mines. 

These lenders have accessed your credit file : XXXX XXXX XXXX  Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX XXXX XXXX  Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX XXXX  XXXX XXXX  Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX XXXX  XXXX  Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Bank Credit Cards
Consumer complaint received 2024-10-10
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (IN)

I have a private student loan with Navient. I have been on a XXXX payment plan. I am receiving XXXX calls a day from a number that is not recognized as a Navient number. I am trying to obtain information and ask questions on my account. I keep getting the run around. Half the time someone calls you that you cant even understand. I am being told I have exceeded my forbearance with no explanation. I am also being told that a financial statement was provided back in XXXX when the 6 month plan started. I dont ever remember giving a financial statement. The last person that called 6 months ago told me the same XXXX  month plan for XXXX a month was available and the call took about XXXX minutes. I am becoming very concerned about the lies, misinformation, and threats regarding my account. I do believe that practice faulty business practices. They dont provide correct information. I am started to become very concerned. I would like a full review and detail of my account. I would also request based on what I am dealing with that my remaining balance be written off. Thanks. XXXX.
Consumer complaint received 2020-08-18
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc. (MI)

On XX/XX/2020 around XXXX EST. I sent the wrong cash app money and it was a large amount of money which was also the wrong amount of money. I instantly tried to cancel it and I could not. Me and the person whom I thought I sent the money to tried to figure out why he did not See it In his account to even be able to send me the money back. I XXXX cash app but they Ended up being scammers. They locked us out of our cash app accounts. I went to file a police report for help, the detective found the actual cash app support email for me contact them. Cash app told me they can not help me because I initiated the payment, even though I told them it was an accident, the cash app customer service lady told me that she could see the account I sent the money to, and that the money was still in the account and I could not get It back even though it was an accident.