davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-14
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (MI)

In XX/XX/XXXX, I made a credit purchase at XXXX XXXX XXXX and XXXX XXXX  after opening my account. I visited the store to pay off my {$32.00} charge before the statement arrived, intending to avoid interest. I was assured by a clerk that the account was paid in full and requested its closure. Despite this, I received additional bills in XXXX and XXXX, including a late fee. I called XXXX XXXX, paid the bills again, and requested account closure, which they confirmed. However, I continued to receive statements through XX/XX/XXXX. After paying yet again and being told my account was closed, I received another statement in XX/XX/XXXX. I reported the issue to the police in XXXX, Michigan, citing fraudulent charges that severely damaged my credit score, dropping it from nearly XXXX to around XXXX. Both XXXX XXXX and XXXX XXXX continue to send statements, even a year after opening the account.
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: WELLS FARGO & COMPANY (NY)

WELLS FARGO XXXX XXXX XXXXS, MN XXXX Phone number ( XXXX ) XXXX Account info : Account number # XXXX Open/closed : Closed Date opened : XX/XX/scrub>XXXX XXXX XXXX  Account type : Credit card I was looking at my credit report an i noticed that there was inaccurate and or incomplete information reported on my credit report. I requested an investigation to verify the information was complete and accurate but they have yet to change the incorrect information and its was said to be verified but the incorrect information is still on my account. There has been multiple attempts to get this incorrect information corrected. one of multiple issues is this account is not reported according to the IRS when an account is charged off its considered income, and according to the FCRA income can not be reported on a credit report. i want a 1099-c ( cancellation of debt ) form from WELL FARGO Card services. I have yet to have this issue or any other documentation requested sent to me id like this incorrect information removed from my credit profile. WELLS FARGO Card services received a corresponding tax deduction for the uncollected amount associated with this charge off and had the balance of {$1100.00} as income on my taxes! This account can no longer be reported on my credit report. Not only does this violate my rights per FCRA it is also tax fraud. Delete this account from my file immediately for inaccuracy.
Consumer complaint received 2024-08-14
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (FL)

Credit Acceptance has been furnishing late payments on my credit report on a vehicle that I surrendered in XXXX. I spoke to credit acceptance about the issue back in XXXX and told them about the issue and told them I no longer have the car and the said the last location the car was known to be was the auto shop where I told them to retrieve the vehicle. I also have not been giving any notice that these late payments are going to be reported on my consumer report. these late payments have been ruining my consumer report and making it hard for me to establish credit and provide for my family and I.
Consumer complaint received 2016-11-05
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (MA)

Hello everybody and thank you for your help. 
On or about XXXX XXXX I attempted to deposit {$1900.00} to my Santander Bank account via ATM at XXXX XXXX branch of Santander, XXXX, MA ( I used ATM that is furthest from the entrance ). ATM took the money but did not deposit any amount on my account, neither it gave it back to me, neither ATM provided receipt. At the spot I contacted customer service of the bank and representative assured me : that I can leave that location, money will go nowhere, they will deposit provisional credit while they are conducting an investigation. Reference number for the call and opened case is : XXXX As the result {$1900.00} were deposited as provisional credit. 

Yesterday ( XXXX XXXX ), I received a letter from the bank stating that there was NO error found on their side and they will take provisional credit back on XXXX/XXXX/2016 ( and they took it ). 

Today ( XXXX XXXX ) I called their Card Claims Contact Center. XXXX, a representative, and XXXX, her supervisor, told me that ATM team did not find any excess of cash in the ATM where I deposited my money. Therefore they closed the case and withdrew {$1900.00} back making my balance negative ( which causes a potential problem that bank will charge fee if I ever attempt to use my card ). 
As the result of the conversation the new claim and complaint about how case was handled by them was opened. Ref # XXXX, complaint # XXXX. I demanded a better investigation to be done. XXXX and XXXX assured me that Fraud Prevention team and Card Claims team both will be involved, as well as they will be using video recording from the cameras at the spot. 

Imagine yourself in my shoes, when bank took {$1900.00} and make you pay for it. This amount of money is not a needle in the haystack and if Santander bank has internal problem of theft, unprofessionalism, problem of audit or not properly working ATMs it must deal with it but not customers. 

I have some questions/suggestions if that will help : 1 ) why it took them more than a month to investigate? Is n't it supposed be under 30 days? 
2 ) what will they do differently during the reopened case.
Consumer complaint received 2024-08-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (NV)

I got a scammed out of money from a scammer who said they were Wells Fargo. I had called back Wells Fargo about the case and they told me it didnt exist. They had to make me a new account and made the claim of fraud. They found that since I still accepted the transfer, they closed my case. They said they can not help me furthermore. I have a XXXX XXXXXXXX XXXX XXXX XXXX and need the money. And theyre not helping me.
Consumer complaint received 2024-08-14
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENOVA INTERNATIONAL, INC. (VA)

The accounts are counterfeit there is no lawful binding contract between me and either person in this report. Any contract that bears my signature was not signed with my own hands. No person can verify that I signed a credit agreement with them giving permission to use my information.
Consumer complaint received 2016-08-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Monterey Financial Services LLC (OH)

XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX, XXXX Complaint Department Monterey Collections XXXX XXXX, CA XXXX I am writing to dispute the following information that your company provided to XXXX, XXXX, and XXXX. I have circled the items I dispute on the attached copy of the credit report I received. 

This item regarding the said debt owed for {$370.00} is inaccurate because this debt was filed in my Chapter XXXX Bankruptcy Case No. XXXX - XXXX - bk - XXXX and discharged XXXX/XXXX/XXXX. I am requesting that Monterey Collections have the item ( s ) removed to correct the information. 

Enclosed are copies of XXXX XXXX XXXX, Chapter XXXX Bankruptcy Case No. XXXX - XXXX - bk - XXXX and discharged XXXX/XXXX/XXXX supporting my position. Please reinvestigate this matter and contact the national credit reporting companies to which you provided this information to have them delete and correct the disputed item [ s ] as soon as possible. 

Sincerely, XXXX XXXX XXXX XXXXXXXXXXXX XXXX Enclosures : 1. XXXX XXXX XXXX - Chapter XXXX Bankruptcy Case No. XXXX - XXXX - bk - XXXX and discharged XXXX/XXXX/XXXX XXXX. Collection Letter from Monterey Collections dated XXXX XXXX, XXXX
Consumer complaint received 2024-08-13
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: FC HoldCo LLC (NC)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 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.
Consumer complaint received 2024-08-15
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: CITIZENS FINANCIAL GROUP, INC. (RI)

I have a HELOC with Citizens bank and I recently lost my job. Several attempts to resolve payments options with the bank on the HELOC account has been unsuccessful as the bank refuses to help but insist payment. I missed one payment and the bank went into my other personal account with the same bank, without my authorization to withdraw payment. That is our only emergency money for food, and now my family has nothing to live on. Every, attempt for Citizens bank to return the money has been unsuccessful. 

I need Citizens bank to return the {$670.00} they took from my unauthorized account.
Consumer complaint received 2024-08-13
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Ava Finance, Inc (RI)

DearAVA/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; I hope this message finds you well. I am writing to address a matter of significant concern regarding my accounts with AVAXXXX XXXX XXXX XXXX 

It has come to my attention that my account ending in XXXX has been erroneously marked as late for XXXX and XX/XX/XXXX. I believe this may be due to an issue with receiving statements and accessing my account online, as I have consistently made timely payments based on the statements provided. Additionally, I have observed similar discrepancies with another account opened in XX/XX/XXXX, which was inaccurately reported as late for XXXX and XX/XX/XXXX. 

Given the long-standing positive relationship I have had with AVAXXXX XXXX XXXX XXXX I kindly request the immediate removal of these late payment records from all credit reporting agencies. Furthermore, I seek the removal of any associated late fees and request a review of the billing inaccuracies under the provisions of FCBA 15 USC 1666b, 1681i, and 1692g. 

I trust that this matter can be resolved swiftly to our mutual satisfaction. I appreciate your prompt attention to this issue and look forward to continuing the positive experience I have valued in my dealings with your company. 

Thank you for your cooperation.
Consumer complaint received 2024-08-13
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC. (CA)

I opened a SoFi savings account on XX/XX/XXXX and deposited {$500.00} from my XXXX XXXX bank account. This transaction went through without a hitch.

SoFi 's app told me that I needed to deposit at least {$5000.00} OR set up direct deposit in order to qualify for their high-yield savings rate. So I decided to transfer additional funds from my XXXX XXXX XXXX brokerage account to achieve this. 

On XX/XX/XXXX, I added my SoFi as an external bank account into my XXXX account. I have multiple brokerage accounts with XXXX with balances that I was advised by my XXXX to put into a high-yield savings account, so I initiated three ACH fund transfers from XXXX XXXX SoFi to do this. 

On XX/XX/XXXX at XXXXXXXX XXXX, I received an email from SoFi saying that I had unlocked the promotional APY on my savings account, due to meeting the qualifying deposit amount. 

On XX/XX/XXXX at XXXXXXXX XXXX, I received another email from SoFi saying that my account had been restricted due to " irregular activity on your SoFi bank account. '' They told me to call them by phone and talk to their Security team.

When I called the number provided and connected with the Security team, they told me that I had transferred funds " from an account that doesn't have my name. '' My XXXX brokerage account is in fact in my name. 

The agent then told me that they would request that my account be unrestricted. I asked how long this would take and he said he didn't know. He then instructed me to check my account ( at an unknown time ) for updates, and to call back if it was not corrected. 

SoFi did not request for me to take any action besides calling them and talking to customer service. 

I still do not know when my money will be returned to me. These funds are part of my emergency savings and the entire point of keeping these funds liquid in a HYS instead of in securities held in my brokerage account was to have immediate access in the event of an emergency. I'm very confused that SoFi didn't provide any notice about sending funds from XXXX, which I would assume is expected practice as part of opening a savings account. I'm also horrified that SoFi can not provide a SLA on expected return of the funds.
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (MA)

I am filing a complaint against SYNCB/CAR CARE XXXX XXXX concerning inaccurate information reported on my credit report. The account in question, with the account number XXXX, shows a balance of {$0.00} and includes a creditor comment stating " Settled-Account paid for less than full balance. '' While the balance is accurately reflected as {$0.00}, the comment provided by the creditor is misleading and does not accurately represent the circumstances of the account settlement. This misrepresentation can negatively impact my creditworthiness and is causing inaccuracies in my credit report, potentially affecting my credit score.

This inaccurate reporting is a violation of the Fair Credit Reporting Act ( FCRA ), which requires that creditors and furnishers of credit information ensure the accuracy and completeness of the data they provide to credit bureaus. Under 15 U.S.C. 1681s-2 ( b ), creditors are required to investigate and correct any inaccuracies in the information they report. The misleading comment provided by SYNCB/CAR CARE XXXX XXXX not only fails to comply with these legal obligations but also damages the integrity of my credit history.
Consumer complaint received 2024-07-16
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: EQUIFAX, INC. (NY)

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 2023-12-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: EdFinancial Services (VA)

I was double charged for the amount of {$1000.00} and now my account is in negative balance. I contacted EdFinacial on XX/XX/2023 and they said they would refund me and it has been almost 3 weeks. I asked them again on XX/XX/2023 what is going on and they will provide no update on the status of the refund. 

As seen below, my total original principal for both loans is {$1000.00}. I was double charged for the amount of {$1000.00} on XX/XX/2023 after making a one time payment to pay off the balance. 

Based on the negative balance, I am actually owed {$1100.00} but i feel the double charge needs to be handled most promptly. 

I filed a dispute with XXXX  XXXX XXXX on XX/XX/2023 as well due to how slowly this is being handled. 

Unpaid Principal - {$1000.00} Unpaid Interest {$0.00} Current Balance - {$1000.00} Interest Rate 4.990 % Original Principal {$930.00} Unpaid Principal - {$120.00} Unpaid Interest {$0.00} Current Balance - {$120.00} Interest Rate 4.990 % Original Principal {$100.00}
Consumer complaint received 2018-03-14
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (NH)

Good day, my name is XXXX XXXX and I am currently in XXXX XXXX United States XXXX. I'm writing regarding having my account with XXXX XXXX ( XXXX CC ) and not adhering my account to the Serviceember Civil Relief Act ( SCRA ). I originally entered into the XXXX XXXX XXXX on XX/XX/XXXX as a XXXX, then in XXXX, I switch to active for a few years. Then returned to a reserve status. I had sent in documentation of all this and explained and a detailed letter what exactly is a documentation they are looking at, where to find the dates and type of service Etc. I have been on the phone with them for several hours over the course of this time and to no avail. I feel that is illegal that they are not applying my account in to the SCRA because I had openes my account with them in XXXX when I was a reservist. As you most likely know, the SCRA states that any debt prior to active service must fall under the SCRA and offer a reduced interest rate to all debt Pride active service.
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

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.

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 2024-08-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC. (NC)

I filed a complaint and the response was false. Please address the fact that you violated Regulation E which mandates a provisional credit if the investigation goes beyond 10 business days for a transaction as I had which was an ATM withdrawal error in which the funds didnt dispense, it also covers POS tractions along with others as for so i definitely qualified and was eligible for provisional credit which they stated that I was not. So they determined they didnt want to provide the credit and violated the terms of Regulation E in which SoFi should be held accountable and fined!
Consumer complaint received 2024-08-13
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Kora Financial (PA)

My name is XXXX XXXX it has been years months and weeks y'all account hasn't been added to my credit report yet please help me account email is XXXX I still need help my issues aren't resolved I can't get in touch with y'all by email or phone call and y'all not responding to my emails please readd it to my ssn because it's not on my credit report still etc.Update I cant get ahold of I have found your account and it shows that the {$100.00} loan was paid off early- is this not showing accurately on your credit report? The SSN we have end in XXXX- is that correct? Please reach out to XXXX to get this issue resolved- I will help you with next steps! I cant get ahold of the person below or they wont respond to my emails I sent them please help me and resolve my issue and fix my issue etc.