davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-30
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (IL)

Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint against American Express for unauthorized reattempts to process returned payments, which have caused significant financial and emotional distress. 

Details of the Complaint : Timeline of Events : XX/XX/year> : Platinum Card : Authorized payment of {$2700.00} ( returned due to incorrect bank account ). 

XXXX XXXX XXXX : Authorized payment of {$4200.00} ( returned due to incorrect bank account ). 

XX/XX/year> : Payments were processed and subsequently returned due to the incorrect bank account. I initiated a wire transfer immediately to resolve the issue, but it was too late. 

XX/XX/year> : XXXX XXXX : Authorized payment of {$2700.00}. 
XXXX XXXX XXXX : Authorized payment of {$4200.00}. 

XX/XX/year> : XXXX XXXX XXXX : Unauthorized automatic reattempt of {$4200.00} by American Express, leaving my bank account with {$2800.00}. The unauthorized {$4200.00} was successfully processed after their second attempt because I had sufficient funds to cover the {$4200.00} I authorized, but this withdrawal led to my authorized {$4200.00} and {$2700.00} payments resulting in insufficient funds. 

XXXX XXXX : Unauthorized automatic reattempt of {$2700.00} by American Express, pushing my account into - {$4000.00}. 

Both authorized payments processed after unauthorized reattempts, resulting in further negative balances. 

XX/XX/year> : XXXX XXXX XXXX : Reversal of unauthorized re-attempt payment ( {$4200.00} ), bringing account back to - {$2500.00}. 

XXXX XXXX : Reversal of unauthorized re-attempt payment ( {$2700.00} ), bringing account back to {$130.00}. 

Third unauthorized automatic reattempts by American Express : {$4200.00} and {$2700.00}, causing further negative balance impacts. 

Issue : American Express has claimed that their right to reattempt returned payments is stated in the monthly statement. However, I was never explicitly informed of such a policy, nor did I provide explicit consent to it. I rely on the card service agreement for understanding the terms and conditions of my account. The latest card member agreement does not XXXX American Express the right to automatically reattempt to withdraw money from my account. 

The unauthorized reattempts have pushed my bank account into negative territory multiple times in the past week, resulting in significant financial disruption and emotional stress.
Consumer complaint received 2024-07-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

Hello, this is a complaint about the app XXXX  which was a XXXX XXXX app for sports. XXXX $ dollars worth of their credits was purchased and the way this works is you buy the credits and spend them so they remain in your account. And then you can withdraw the credits later for real money. However what this company did was provide promotions for credit matches up to XXXX $ and more within the same week which caused everyone to purchase credits and have them sit in their accounts because you get value. I hope this is making sense. After that the company just shut down. Their XXXX has been inactive and went private, no one answers emails, the app doesnt even work anymore and there just gone. The parent company or whoever was the ones charging me are known as XXXX they charged me {$100.00} on XX/XX/XXXX {$100.00} on XX/XX/XXXX {$100.00} on XX/XX/XXXX {$25.00} on XX/XX/XXXX {$25.00} on XX/XX/XXXX. For a total of {$350.00}. As you can see the large charges are pretty close together showing how they decided to release these promos in an act of fraud to get people to spend money before they disappear. This is a public thing and has happened to many people, a quick XXXX search would show others describing their experiences and their anger about this situation as many people were scammed. I personally contacted Wells Fargo right after it happened and after 2 months they tell me they wont do anything about it. Id really appreciate if you guys could help me considering this is such a public issue and hasnt just happened to me. I can include other things that are needed for you guys if I get a response but at this time I dont have any idea of items that could help you guys. I have bank statements but it says dont provide personal information.
Consumer complaint received 2024-07-30
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: Nelnet, Inc. (NC)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2015-12-21
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: CASHCALL, INC. (LA)

Illegal interest rates charged in Louisiana by XXXX/Call Call/XXXX. Also these companies may not be licensed consumer lenders in Louisiana. I have paid back over 3 times the amount I borrowed. This situation has caused a strain on my marriage. My interest rate was at or above 139 %. Louisiana interest rate cap on personal consumer or revolving loans is 12 %. I am using this complaint as a cease and desist letter. I borrowed {$5000.00}. and paid back {$16000.00} as on XX/XX/2015. Does that seem fair!! I know you are helping other states so please help Louisiana residents too.
Consumer complaint received 2024-07-29
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (NY)

Hello, I have a chase bank slate credit card... I have made the monthly payments and the bank never reported late payments on my payments ... On XX/XX/XXXX, chase bank made a report of 7 months late on my payments .... I monitor my credit score and when I saw this situation I called the bank the same day .... the response from the representatives is always " the system is the one that makes those reports automatically '' for them everything is done by the system and they can't do anything ... my credit score has been affected since XX/XX/XXXX... now I am afraid because I have had that credit card for 9 years and the system changed my reports from many years ago .... I ask for help to fix this situation...
Consumer complaint received 2024-08-01
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: Resurgent Capital Services L.P. (MD)

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 2024-08-01
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Nav Technologies, Inc. (NC)

XXXX was sold to XXXX. I had deposited {$500.00} to XXXX and they added a card that would report to XXXX bureaus monthly as a trade line. XXXX promised to refund funds as they were no longer to be in business. XXXX has yet to refund funds as stated in emails. XXXX does not respond to email and or phone requests for an update. 

XXXX owes {$500.00} back. Many other consumers have been affected by their failed business practices.
Consumer complaint received 2024-07-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (GA)

On XX/XX/year> the amount of {$5000.00} was withdrew from my account for a service that was never completed. I believe this company willfully intended to drag this out and take advantage of XXXX  with the promise to credit my account back so I would not open claim. Now that I open claim I am told its too late to file.I never received a service from this merchant!
Consumer complaint received 2024-08-01
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Confusing or missing disclosures — 
Company: WELLS FARGO & COMPANY (NY)

Over the past 18 months we have had two checks. One check is a settlement check and the second check is a retainer being returned. During this time we have had several different judges and clerks that have attempted to correct the problem and still have not had any good results. The checks have been denied for a variety of reasons.The two checks have been reissued ( 11 ) times by ( 14 ) judges, ( 9 ) attorneys, ( 34 ) clerks, and ( 7 ) clerks. We have had suits filed against the court system. During this time I have been XXXX XXXX XXXXXXXX. I have recently lost my position at XXXX due to the complications resulting from the NY XXXX XXXX and constantly calling to resolve this problem. I have an extensive phone log for all the calls and time invested in this process. This can vary from just a couple hours up to XXXX hours each day. I have documented proof of my calls and conversations. I also have to ask for rides to go to the court or the bank and need to pay for these rides even when they deny the payments. I can not afford my medical needs and have been XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and can not afford my transportation, appointments, or medication. I am not sure of how long I will have to get help for my medical needs. I also want my family to be secure. Please help me!!!!!!
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (NY)

I am writing to formally address several violations of my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The accounts listed below have been mishandled : 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 Discover Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Upon reviewing my XXXX credit report on XX/XX/year>, I noticed several inaccuracies and incomplete entries. According to the Fair Credit Reporting Act ( FCRA ), when a consumer reporting agency prepares a consumer report, it is required to follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual ( 15 USC 1681e ( b ) ). 

Furthermore, according to 15 USC 1681i ( 5 ), consumer reporting agencies are mandated to promptly delete or correct any information found to be inaccurate or incomplete after a reinvestigation. Specifically, they must : 1. Promptly delete the inaccurate or unverifiable information as appropriate based on the results of the reinvestigation. 
2. Notify the furnisher of the information that the data has been modified or deleted from the consumers file. 

Additionally, under 15 USC 1681s-2, furnishers are prohibited from providing information to any consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. 

I request that the necessary corrections be made to my credit report immediately, and that I be informed of the actions taken to resolve these issues.
Consumer complaint received 2024-08-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

Twenty-two withdrawals totaling {$4700.00} were fraudulently withdrawn from my checking account though XXXX transactions on XX/XX/year> by an unknown person not in my contacts. Chase sent me a notification that a withdrawal of {$250.00} was cancelled because they couldn't verify the payment. Why were 22 other withdrawals to the same person allowed to be made? I immediately called Chase and it took them quite a while to stop payments. Chase said my facial recognition authorized these transactions. I confirmed with XXXX that there is absolutely no way another person could use my face recognition. An IP address of the fraudster was not provided. The only other information Chase provided was a list of the withdrawals including reference numbers. The fact that the large number and type of transactions are not common on my account clearly points to fraud. Chase 's website states the following : With Chase 's Zero Liability protection you won't be held responsible for unauthorized charges made with your card or account information. 

I have been a customer of Chase for over 30 years and trusted my money with them. I am XXXX XXXX XXXX and this has taken a toll on me. Please have Chase return the {$4700.00} I have attached documentation supporting my claim. Thank you for your efforts on my behalf.
Consumer complaint received 2024-08-01
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (FL)

I opened a Marcus by Goldman Sachs online savings account around 6 months ago and i have been depositing money into it until now. Today i tried to withdraw the {$10000.00} i had in that account back to my Checking account because I need to pay off my Auto loan. Marcus told me they cant verify my number and then that they need to start some investigation that will last 3-7 business days. There is nothing to investigate. My number hasnt changed, it has always stayed the same and it has always worked for the verification text messages. I called another 2 times and kept getting transfer over and someone kept promising to call me back which they never did. Horrible experience and extremely frustrating because all i want is to have access to my hard earned money.
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I have written letters to the XXXX credit bureaus, Experian, XXXX, XXXX, and XXXX, on XX/XX/2024, to correct my address, name, and other personal identification information such as my employment details that are inaccurate on my credit report as mandated by the Fair Credit Reporting Act ( FCRA ). Despite providing evidence of my identification and address, they have not made the necessary corrections.
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is my 3rd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items 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 XXXX XXXX XXXX
Consumer complaint received 2024-08-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (AZ)

I received a notification on the MOHELA app in XX/XX/XXXX that if I did not recertify that my payment would go from XXXX to nearly {$800.00} per month. I immediately went to the website to recertify. I was unable to recertify with open application on my profile. I went in to re-certify and the way the questions are sets the application as a new evaluation of payment immediately. I submitted it and called MOHELA that Monday. I was explained the issue that I followed the prompts but the application would not check recertify rather a new application. She said that I did not need to recertify due to changes XXXX implemented. I said can withdrawal the application. She said no but that she would notate my account for when the application is reviewed that they would view as recertification rather new application. I diligently followed up multiples leading into mid XXXX where I then was put into forbearance with interest accrual where the reevaluate because my payment went up to {$260.00} a month. No one would provide me documentation regarding my request nor a timeframe. Every time I spoke to someone they gave me a different response. I finally was told in the very end of XXXX or early XXXX that the prior people I spoke to are not trained as well to answer my questions. The person escalated my concerns and we discovered that they did not properly account for my dependents and family size even though I answered the questions to the app. I was then told to never electronically submit application on and complete manually. I was then provided a supervisor who assured me that this would be handled and that they would reprocess my application as a certification and account for XXXX defendants and my family size of XXXX. They were to provide me a letter stating such. I asked why now can they give letter when multiple other reps refused and said they cant. She said she didnt know and I would have in XXXX business days and the app would be reprocessed in XXXX. 14 days passed I called back and the status of reprocessing was still pending and I never received the letter. They refused to get me to the supervisor I previously spoke to. After explaining this entire situation the finally agreed to message the supervisor to see if she would take my call. The supervisor took my call and said she remembers me and that she will get the letter to me. I have the letter but that she said to check back aft XX/XX/XXXX on the status. XX/XX/XXXX she called said its on hold due to the on going litigation. Here we are still waiting and was told it would be processed after the decision with court is made within 14 days. 

This has been going on for over four months.
Consumer complaint received 2024-07-31
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: DISCOVER BANK (MD)

The root cause, the crux of this problem is the false, fraudulent advertising, it involves a XXXX XXXX XXXX that was returned immediately for a full refund. 

The cost was {$60.00}. 

# 1 attachment Discover Card transaction date. 
# 2 attachment XXXX agreement to refund the money. 
# 3 attachment XXXX agreement of refunded money. 
# 4 attachment actual amount refunded. 

The unit was NOT made in XXXX - made in XXXX. 

The misleading boilerplate advertising is confusing and fraudulent to the buying public. 
Not in accord with the AZ Guarantee, the this, that, other technicalities do not cut it,
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (NC)

Account name RESURGENT/LVNV FUNDING- is claiming that an account was opened XX/XX/year>. The updated amount was XXXX as of XX/XX/year>. This negative item does not meet the FCRA requirements. I do not recognize how and why it is reporting. Delete immediately
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: PARK NATIONAL CORPORATION (OH)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights. 

GUARDIAN FINANCE CO. 
XXXX XXXX {$19000.00} XXXX XXXX XXXX XXXX XXXX {$340.00}
Consumer complaint received 2024-08-18
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: CAPITAL ONE FINANCIAL CORPORATION ()

There are hard inquiries and new accounts in my credit report that I do not recognize. I tried reaching out to the companies involved but have not been able to connect with them. Kindly find details in the attached file. The names of the companies involved are : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. Capital One Auto Fin XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-31
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings (PA)

The company, IQ DATA INTERNATIONAL located at XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX as per XXXX, has been reporting to all 3 major credit bureaus that they are attempting to collected debt owed to XXXX XXXX XXXX since 2022. They have been attempting to collect a debt while charging interest, but have refused to provide evidence that a contract between myself and an original creditor was signed which would grant them the right to accrue interest on any debt. I am a XXXX veteran and can not afford a lawyer to sue them.
Consumer complaint received 2024-08-03
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC (TX)

This company is violating my rights they have not provided valid

ation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently. I have made previous attempts to fix these issues directly with them and they're violating
my rights.I 'm entitled to {$1000.00} for every violation I listed, they either pay me or delete these accounts ASAP.