davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: SANTANDER HOLDINGS USA, INC. (TX)

My vehicle loans is serviced thru Satander Consumer USA. I cancelled my XXXX XXXX XXXX Contract and the Diesel Maintenance Plan for my XXXX XXXX XXXX with XXXX XXXX 's XXXX  XXXX XXXX on XX/XX/XXXX. I called the insurer and they stated that they cancelled the contracts on XX/XX/XXXX and sent a refund to the dealership for amounts {$2100.00} and {$2300.00} for a total amount of {$4500.00}. I spoke to the dealership and they stated they sent a check to Satander Consumer USA on XX/XX/XXXX in the amount of {$4500.00} but the check hasn't been cashed. I have contacted Satander Consumer USA on multiple occasions to verify that the refund was applied to my account, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and each time I have been told they haven't received a refund from the dealership. I believe Satander Consumer USA has received the check, but their office has been negligent to deposit the check and/or apply the refund to my account and I am being charged a high interest rate on a balance that should be lower.
Consumer complaint received 2024-08-16
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC. (WA)

I was trying to send crypto from my robinhood account to another wallet and it wouldnt let me saying theyve restricted my account. Now I cant even withdraw my money from the account and its just sitting theres for a long time now and every time I contact them they just say they are investigating and wont let me withdraw my funds. I dont care about the account anymore I just want my money back since its rightfully mine and they should not be holding my money from me.
Consumer complaint received 2024-10-25
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. (AL)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-10-25
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: CL Holdings LLC (CA)

XXXX acccount thats on my credit report i didnt open that account i was in XXXX  at the time it was opne so it couldnt of been me ive tryed and tryed to get it off my credit but there dont care i cant get a car or a house because of this
Consumer complaint received 2024-07-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: KEYCORP (PA)

On XX/XX/XXXX, I went to my bank to deposit a check. I checked my balance through the ATM machine and I found ~ {$3000.00} missing from my checking account. I went to the bank manager ( Keybank ) and filed a complaint. I explained to her what had happened. I then asked her to print me a statement for my account and I found on the statement that I had a charge from XXXX XXXX XXXX XXXX XXXX FL for {$2700.00}, I had not authorised this charge on XX/XX/XXXX. The bank manager cancelled my ATM card per request, and I handed her the ATM card after she cancelled it. She gave me a paper stating the bank would do a fraud investigation and theyd give me an answer in 10 business days. I then called the same bank manager after ~5 business days to get an update on when Id get my money back. She told me she was going to call the fraud investigation and she then put me on hold. She got back to me a few minutes later and told me they still have up to 10 business days and she was very rude and got smart with me and told me it was my fault because Im using my card to order XXXX eats. I told her Id give her 10 business days and if I dont see my money back Id take the bank to court. On XX/XX/XXXX, I stopped by a different branch of Keybank in XXXX XXXX and I talked to XXXX of their bank managers to get an update and he called the fraud investigation. After talking to them for 10 minutes, he told me the investigation could take up to 3 months because they tried calling the roofing company that had made the charge and they have not answered or returned their call, which sounds full of XXXX. Ive had bad experience with this bank. Every time something happens with my ATM card, they always only partially refund some of my money from unauthorised purchases and then take it back months later. As an example, I had somebody steal 4 of my ATM cards from 4 different banks and used it to make unauthorised purchases, and I filed a complaint with all of the banks and all of the banks refunded my money completely except for Keybank ; they only refunded half of my money even after getting the police involved in which they caught the guy who stole my cards.
Consumer complaint received 2023-09-05
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. (NY)

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BROKER SOLUTIONS, INC. (NC)

I am writing to formally submit a complaint regarding unauthorized hard inquiries on my credit report that I believe to be fraudulent. I have discovered several inquiries made in my name that I did not authorize, and I am requesting that these inquiries be removed from my credit report as they negatively affect my credit score. 

The following fraudulent hard inquiries have been identified : 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 XXXXXX/XX/XXXX I have not authorized any of these inquiries, and they appear to be the result of identity theft or fraudulent activity. I have already taken steps to secure my personal information and am in the process of disputing these inquiries with the credit reporting agencies. However, I seek your assistance in ensuring that these entries are investigated and removed from my credit report. 

Please let me know if you require any additional information or documentation to support my claim. I appreciate your attention to this matter and look forward to your prompt response. 

Thank you for your assistance. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-05
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (TX)

I noticed an odd transaction post to my pending transactions list on XXXX that was titled PURCHASE AUTHORIZED ON XX/XX/01 XXXXXXXX XXXX XXXX for a total of XXXX dollars. 
The WF site says it is in the category of " rental car '' I don't know where you could make a purchase of this nature on instagram. 

I immediately called WF to dispute this transaction and was told that I needed to wait until the transaction posted before the claim would be started. 
XXXX it posts and I'm out XXXX dollars, and awaiting feedback on what seems to be a clear cut fraudulent charge. 

I call on XXXX for an update - as I just received an email that my account has hit XXXX dollars ( I'm missing XXXX dollars and my insurance bills have auto-processed ). I was told that the system is processing things automatically and that there was nothing further that the agent would be able to do about expediting the dispute.
Consumer complaint received 2024-07-29
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL (MN)

PayPay Security called me to ask if I had opened a Pay Pay Credit account with them. ( I give them credit for this step-although the phone call almost felt like a scam, I was leery to give info. ) She informed me of the credit being opened in my name and I asked what the last 4 of the credit card was used to do this. She refused to give me numbers but would confirm any of the last 4 that I gave her. None matched according to her. She asked several times to confirm my email- I ignored this request.

( I should note that she informed me to contact any other accounts with emails - change all of my passwords- and monitor my account. I already use a secure password manager application, so unless the security breech is with them, I am not understanding how anyone broke into my passwords. ) She then proceeded to give me the phone number for XXXX  XXXX  that Pay Pal Credit is affiliated with. She told me to ask for the fraud department and told me to tell them that " this application was made without my consent as well as any charges on the account. '' I did this right away. However, XXXX said that there were no credit cards associated with the account because it is it's own credit account. THIS IS WHERE THINGS FELT FISHY. I was told they would freeze the account and alert the credit bureaus. I was given a confirmation number xxxxxxxx and told the account was opened yesterday XX/XX/2024, and canceled as of today XX/XX/2024. I was given a direct phone number of XXXX to call. I will get something in the mail in 7-10 days. ( I was also asked for a phone number and mailing address by this company. ) Then, she asked if I knew XXXX ( which is my husband ) because an account was also opened in his name.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer Please remove the following items from my credit report, immediately : 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 2024-10-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (KY)

On Thursday, XXXX XX/XX/year> I received an email that Venmo suspended my account and I am no longer able to access the funds stored on my account. I submitted the documentation requested ( proof of ID ) and afterward they kept requesting more and more documents, including my bank statement. 
They refuse to lift the account suspension and allow me to access my funds, instead stating no one has the ability to reinstate the account other than the security specialist but then they claim there is no way to contact the security specialist and we just have to wait for them to come across the case.
Consumer complaint received 2024-07-11
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: National Credit Systems,Inc. (AR)

National credit systems XXXX These people are vile and rude. They yell and cuss you out for no reason. Im trying to dispute a debt due to the fact that I slipped and fell on the property ( XXXX at the XXXX XXXX XXXX XXXX ) and the office lady who was so vile and nasty let me out bc they were afraid that Id sue. I had been through XXXX and was put on a third level apartment and charged more. But that is another story. I was told I wouldnt be charged a lease break fee and would receive a XXXX balance letter. Never did and received harassing calls from these vile people ( who are just as bad as the ladies at that complex.who were fired for this and many more reasons ). I never received anything stating I owed anything from the complex or the collector and the complex had my forwarding address for I can prove all of this, I filed a complaint with HUD, the attorney general and now you guys. But this complaint is about a debt I wasnt aware of till I checked my credit!! I never received any letter from this debt collector ( National Credit Systems ) for any debt owed and being is how I tried to get my info from the office and they locked the doors and wouldnt answer my callshow am I supposed to fight something still weak from XXXX?? They took advantage of me and discriminated against my XXXX. And now Im getting harassed by nasty mouthed collectors for something I was told wouldnt be happening to me!! This company that collects this debt is screwing people left and right. Where is the integrity to get this looked into so people have to stop getting violated and mistreated by collectors???? How are they allowed to put something on my credit without giving me a chance to dispute it??
Consumer complaint received 2024-07-11
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. (MA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-07-11
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. (MA)

I am writing to dispute the inaccurate information on my credit report. I have identified the following account which contains incorrect information and needs to be investigated and corrected : - **Account Name** : XXXX XXXX XXXX - XXXX*Account Number** : XXXX - **Account Type** : Auto Loan - **Responsibility** : Joint with XXXX XXXX - XXXXDate Opened** : XX/XX/XXXX - **Status** : Paid, Closed - **Status Updated** : XX/XX/XXXX - **Original Balance** : {$19000.00} - **Terms** : 75 Months **Inaccurate Information** : - Payment history reflects multiple past due payments that I believe are incorrect. 

According to my records, the payment history reported for the following months is inaccurate : - 90 days past due as of XX/XX/XXXX, XX/XX/XXXX - 60 days past due as of XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - 30 days past due as of XX/XX/XXXX I am requesting an investigation into this matter and that the incorrect information be corrected or removed from my credit report. Enclosed are copies of my records supporting my claim that this account was not past due during the periods indicated. 

Please complete this investigation within the legally mandated 30-day period. 
My wife 's name is XXXX XXXX And they are reporting that my wife 's name is XXXX XXXX, this information is also inaccurate and incorrect all the payment stubs say that name does not belong to my wife, here I am sending you a copy of the license from my wife.All the account statements say the same thing and that is inaccurate information. 
Once the investigation is complete, please provide me with written confirmation of the results.15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ), in general it, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall-i ) promptly delete that item of information from the file of the consumer, or modity that item of information, as appropriate, based on the results of the reinvestigation; and ( il ) promptly notify the furnisher of that information that the information has been modified or deleted from tha file of the consumer.
Consumer complaint received 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Kikoff Inc. (NY)

To Whom It May Concern, Subject : Formal Complaint, Opt-Out of Inaccurate Reporting, and Demand for Immediate Updates I am writing to file a formal complaint against the Credit Reporting Agencies ( CRAs ) regarding the inaccurate reporting of my credit information. As a federally protected consumer under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 et seq., I am exercising my rights concerning the privacy of my personal information and the accuracy of my credit report.

The FCRA mandates that CRAs must follow reasonable procedures to protect the confidentiality of credit information and promote accuracy, fairness, and the privacy of personal information. Notably, 15 U.S.C. 1681a states that it is illegal to report transaction history on a credit report, as the Act excludes reports that contain information solely about transactions or experiences between the consumer and the reporting entity. 
Given the inaccuracies in my credit report, I am opting out of any and all authorization for the reporting or sharing of any information related to the accounts inaccurately reported. This includes any written, unwritten, verbal, or nonverbal authorization I may have provided, in accordance with 15 U.S.C. 6802 and 16 CFR Part 313, which govern the Privacy of Consumer Financial Information. 
Due to the violations of my rights under the FCRA and the impact on my creditworthiness, I am demanding immediate updates to my credit report to correct these inaccuracies. I expect these updates to be made as soon as possible, in compliance with the FCRAs accuracy standards. Should these updates not be made, I will be seeking compensation for the violation of my rights as outlined under 15 U.S.C. 6801-6805, 16 CFR Part 313, and 15 U.S.C. 1692k. I am prepared to pursue legal remedies should my demands not be met.

To resolve this matter, I require the following : Immediate correction of the inaccurately reported account ( s ) on my credit report to comply with the FCRAs standards.

Compensation for the violation of my rights under the FCRA and related statutes due to the mishandling of my personal information. 
Written confirmation of the actions taken to address my requests as required under the FCRA. 
Failure to address these concerns will compel me to take further legal action to protect my rights and seek full compensation for the damages incurred. 
Thank you for your prompt attention to this serious matter. 

Company : Kikoff Lending LLC
Consumer complaint received 2024-11-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (IL)

I have filed a dispute with the bank regarding transactions I did not authorize and had nothing to do with wiping a large amount of money from my checking account. The bank has refused to credit me my money back which is highly damaging to my everyday life right now as well as my mental health
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NCB Management Services Inc. (IN)

I've already submitted a complaint about this. The company which is NCB XXXX is still showing my account as open, that I owe {$2800.00} and that it's a derogatory mark on my XXXX It got taken off my XXXX, but not XXXX. I paid this off for a lesser amount at the end of XXXX. I want this off my credit now.
Consumer complaint received 2024-10-23
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (MD)

My recent statement cycled and it is still reflecting the XXXX of 29.99 % which is variable and is not reflecting the Federal Reserve interest rate decrease from XXXX which should be on the current statement as 29.49 %  and it is not
Consumer complaint received 2024-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am a victim of the XXXX data breach. I recently realized that I was a victim of identity theft when I recently viewed a copy of my credit report. I noticed that the address on my credit report was incorrect and I recently contacted the credit bureaus in having this fixed. 
On my credit report there is a charged off account from XXXXXXXX XXXX  / credit cards. 

I never applied for or got a XXXX XXXX XXXX. Neither have I ever applied for any other XXXX XXXX XXXX