davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

On XXXX XXXX I wrote a check to a Wells Fargo customer for {$48000.00} to a XXXX XXXX 
XXXX XXXX, accountant For a company called XXXX XXXX XXXX XXXX XXXX. Bank of wells Fargo refused to honor the check. They stated it was a lack of endorsement and would credit to the account within named payee, which was mine. 
i have been through XXXX with this issue.. The check was # XXXX dated XX/XX/year> for {$48000.00}. I addressed XXXX bank through CFPB and the answered that it was not with their bank and to check Wells Fargo as they have to be the only XXXX left with my money.
Consumer complaint received 2024-08-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I am a US citizen raised my entire life in the XXXX by my late maternal grandparents. My Father after coming out of XXXX has used my SSN to open a credit card in my name and I would like it closed as he has borrowed almost the maximum making on the card and has not paid it off. It is now negatively impacting my credit and he opened it without my consent whilst I was still living in XXXX.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Bread Financial Holdings, Inc. (NY)

I have been trying to submit a request from my victoria secret credit card. They are only reporting this card to XXXX  and XXXX. I sent several requests to please report it to XXXX as well. I tried contacting the credit department as well and was told it is reporting. That is wrong information. My card has been paid off in full and I would like them to report this to all 3 credit reporting agencies. As it would help increase my score.
Consumer complaint received 2024-08-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

THIS IS NOT A DUPLICATE COMPLAINT. Dispute case XXXX was opened when my debit card was fraudulently used in XXXX XXXX and XXXX for totals exceeding XXXX dollars. XXXX is historically terrible with their customers ; and this is just another example of why this bank needs to be reviewed for their practices and customer care. They initially denied my entire dispute. I submitted XXXX receipts that showed I was in XXXX, Ohio during the times that ALL of these unauthorized transactions were disputed. XXXX took over a month to come back to me and say this : we are approving a XXXX dispute for the hotel in XXXX XXXX my card was used it, but are denying the XXXX remaining charges ( some of which occurred at the same hotel! ). essentially XXXX said that we see you didn't authorize this charge for the hotel, but authorized all of these other charges in the hotel. THEY DENIED a dispute despite me having PHYSICAL evidence I was a XXXX hour flight away at the exact times these transactions occurred. XXXX, I will NEVER rest until I get the rest of my XXXX dollars back. Shame on you as a bank for the way you treat your customers. I am out XXXX still and I want this resolved. They also closed all my accounts to try and cut me out but I will not let this happen! I have been a customer for 20 years. 
XXXX XXXX
Consumer complaint received 2024-08-08
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: CCF Intermediate Holdings LLC (CA)

The company name XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Tel. XXXX That company call me he Im approve for {$5000.00} installments loan I give them all information my bank my user id and password on my bank account including my personal id after that told me is going to deposit {$5000.00} in my account so I give to them all need from me after I give all information ask me deposit {$800.00} for verification so see that deposit {$800.00} in my account after they want me go to XXXX to get a Card to verification but told the all ready all information he need after that my bank call me he Im doing fraud activities so going to close my account this XXXX The company is scammer Im not even sign the contract loan
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CA)

XXXX XXXX Account # XXXX Dear Sir/Madam, Subject : Notice of Dispute and Request for Verification of Payment Timeliness I am writing to formally dispute the reporting and treatment of my account with XXXX XXXX, particularly concerning the allegation of a late payment. This dispute is based on the precedent set in XXXX v. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX. 2001 ), which addresses the proper handling of credit payments and consumer rights under similar circumstances. 

Additionally, according to 15 U.S.C. 1666B ( a ) - Timing of Payments, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose if the payment was received by the due date specified. 

In light of these provisions, I request that you provide me with the internal records and documentation proving that my payment was actually late. Please include the payment processing details, including the date and time the payment was received and any relevant correspondence regarding this matter. 

Moreover, I have noticed that XXXX XXXX has inaccurately reported this account on my consumer credit report, which is a violation of the Fair Credit Reporting Act ( FCRA ). I request that you promptly correct any inaccuracies related to this account on my credit report and notify me once the correction has been made. 

Please respond to this dispute and provide the requested documentation within 10 days from the date of this letter. Failure to do so will result in further actions to protect my rights under the applicable laws. 


15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 
Once you notify the consumer agencies that there is inaccurate information they must immediately stop reporting that information until they can prove that it is valid. 




If you require any further information from me, please contact me at my email XXXX Thank you for your prompt attention to this matter. 

Sincerely,
Consumer complaint received 2024-06-20
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. (IL)

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 XXXX party. They in fact did not come from a XXXX 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 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My accounts with XXXX XXXX XXXXXXXX XXXX AND XXXXwas never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX AND XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-08-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

They did an update recently in which the 2-step authentication doesn't work the first time. I have the press the button to have a code sent to my phone twice to actually receive one. Yesterday, I logged in and received a message, " You've maxed out your code requests for today. Try again in 24 hours or give us a call at XXXX ( XXXX ) XXXX. 

It is important to know I have never had this issue where I wasn't given access to my account. I know there's an issues with the 2-step authentication ( sending of the code ) where it doesn't send the 1st time.

I communicated with 2 representatives and finally a supervisor, XXXX # XXXX, '' who told me they didn't have a way to override it. I wouldn't be able to access my account for 24 hours. I asked what time that would be. He wasn't able to tell me. He said each time I try to login the system would reset the 24 hours. These are all things I was unaware of including the number of times ( or max times ) I have to login to my internet banking.

I know from reviews about the app others are having issues with the login process. However, Capital One isn't fixing the issue. I need access to my account to set up bill pay and transfer money but can't because I can't access my account given the issues with the 2-step authentication not working properly and the errors. 

Please make Capital One quickly fix there system glitches and put in an override for when these things happen.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (FL)

I tried contacting Toyota Motor Credit ( Lexus Financial ) in regards to late payment reporting on my credit report. I tried calling them through the phone in regards to getting the details and at the end of the conversation I was unsatisfied with the information they provided because it is not what I have. I have requested documentation and they have yet to provide me physical evidence of the late payment.
Consumer complaint received 2024-01-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (CO)

I applied for the SAVE Plan and received a letter that I was approved and that my new monthly payment amount was {$0.00} for 12 months from my loan servicer, EdFinancial, on XX/XX/XXXX ( see attached ). However, on XX/XX/XXXX, I called EdFinancial about another, unrelated issue and was informed that they considered my monthly payment amount to be {$130.00}. I looked at my account history since the start-date of the SAVE Plan ( XX/XX/XXXX ) and noticed that EdFinancial had been charging interest as if my monthly payment amount were {$130.00}, not {$0.00}.
Consumer complaint received 2024-08-08
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: SANTANDER HOLDINGS USA, INC. (TX)

I purchased a XXXX XXXX XXXX with Santander Auto Finance being the finance company. Shortly after I fell delinquent on the payments as they were extremely high based upon my income and the interest rate was predatory. In XXXX I was notified that my loan qualified for the title and loan forgiveness program that the initiated due to predatory lending. To date I have reached out to Santander on numerous occasions and they failed to honor the loan forgiveness. In addition, they repossessed the vehicle in XXXX. Currently, the loan is past the statute of limitations for collections ; however, my credit is being adversely affected as the loan continues to remain on my credit bureaus as a charge-off.
Consumer complaint received 2024-08-08
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (NY)

I purchased concert tickets from someone ( seller ) on XX/XX/XXXX based on the recommendation of a very trusted friend. The seller requested that I pay via XXXX, I did and the seller did not produce the tickets. On XX/XX/XXXX I requested a refund from the seller, he stated that he issued it back to me through XXXX which he did not. He said it was pending. I also made a payment request through XXXX for the {$900.00} he owes me. On XX/XX/XXXX I reached out to him again to let him know I still haven't received my money. He did not answer me. On XX/XX/XXXX I reached out to him again and he did not respond again. 


This is clearly a scam so I have done the following : Collected and printed all of the texts and communications with the seller Obtained a police report Called Chase ( XXXX on XX/XX/XXXX and XX/XX/XXXX Messaged Chase through Mobile App on XXXX Called XXXX ( XXXX ) XXXX Filed XXXX Scam reports with XXXX on XX/XX/XXXX Emailed XXXX customer XXXX on XXXX Messaged XXXX on XXXX on XXXX I called Chase on XX/XX/XXXX and the gentleman I spoke with told me I had to contact XXXX. They told me to call back if XXXX can not help me. XXXX states on their site If youve been a victim of fraud or a scam, contact your financial institution to report the incident and confirm if any reimbursement options are available. This is very confusing. Neither Chase nor XXXX seem to be prepared to help victims of scams. The more time I spend going back and forth seeking out help, the more time is allowing the scammer to keep my money. 


On XX/XX/XXXX I called Chase again since XXXX did not contact me. The woman I spoke to told me their hands are tied because I used XXXX. She said to never use XXXX with strangers and I should use my debit card instead. XXXX is a product that Chase offers so why wouldnt I trust it? She said they would not be able to reverse the payment. I told her I have been trying to get in touch with XXXX and asked if they could please help. She had the same customer service number I had been trying. 

It seems to me that XXXX and Chase are offering and suggesting a product that criminals and scammers are using and based on their lack of security/backing of consumers I can see why. They need to do better. In this day and age this is unacceptable. My ask is that someone actually look into this situation, take it seriously and actually help me get my hard earned money back. The money was issued electronically and I do not seem to understand how they can not get it back electronically. I know I am not the first person to experience this, so I find it very hard to believe that there is NOTHING Chase or XXXX can do. I know this isnt a lot of money, but it is to me. I look forward to your assistance and response.
Consumer complaint received 2024-08-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Certified Bureau of the South, Inc (AL)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to 1,000 dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-04-17
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (CT)

I applied online in XXXX for American Express ' promotional offer for the XXXX XXXX XXXX Credit Card, which included XXXX miles and additional benefits. Despite my strong credit history with AMEX spanning over XXXX years, my application was instantly declined upon submission. Upon contacting AMEX, I was informed that I had exceeded the maximum limit of XXXX credit cards with AMEX and needed to cancel one AMEX credit card for AMEX to reconsider. After canceling an AMEX card as instructed, I contacted AMEX again to notify them and was told my application would be reconsidered. This was all done on the same day of the application. 

However, my application remained in pending status for several days. When I followed up with AMEX, they claimed I had not responded to an email offer. Surprisingly, they cited an email address I had never provided during the application process. Despite acknowledging my calls, AMEX insisted that I had failed to accept the offer and, thus, could not proceed. 

These events raise concerns about data privacy, as AMEX appeared to have sent crucial communication to an unverified email address, impacting my ability to accept the credit card offer. Additionally, requiring customers to accept offers after applying online may seem misleading and could potentially affect credit scores.AMEX 's handling of the situation calls into question the transparency and fairness of their application processes. 

Lastly AMEX failed to notify me in writing as I never received any communication about this application.
Consumer complaint received 2024-08-08
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: GOLDMAN SACHS BANK USA (FL)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 section 6 o 4 A section 2 it also states consumer reporting agency can not furnish an account without my written instructions, under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-08-08
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO. (NY)

For your reference, here are the relevant details : Invoice Number : XXXX Transaction Date and Time : XX/XX/year> XXXX Amount Charged : {$78.00} Actions taken : I visited Alibi ( XXXX XXXX XXXX, XXXX, MA XXXX ) on XX/XX/year>. During my visit, I noticed that the bartender had added a 100 % tip to my bill without my authorization. When I questioned him about it, he claimed it was an error and assured me that it would not be reflected on the final bill. 

Unfortunately, upon reviewing my statement, I saw that the unauthorized charge was indeed processed. This was not an accident ; the bartender intentionally added the tip without my consent. Ive already tried to dispute this charge with the credit card company, but I was informed that my dispute wasnt accepted because the original bill wasnt voided by the merchant. Ive made several attempts to contact the bars management by phone and email, but I havent been able to reach anyone to resolve this. XXXX very concerned because I believe this charge is unauthorized, and Ive done everything on my end to try to resolve it with the merchant and the credit card company. 

I would appreciate it if you could investigate this incident promptly. Please let me know if you require any additional information from my end.
Consumer complaint received 2024-08-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P. (PA)

My credit report is showing a collection account from Southwest Credit Systems, with the original creditor being XXXX. The account number is XXXX I was not informed prior to this collection that this account was being sold to a debt collector, therefore I am requesting debt validation Pursuant to 15 U.S code 1692g the debt validation should stated a detailed list of the history of payments made by me on this account, I want to see MY signature on a contract stating that I agree to pay this creditor, I am also asking has there been any insurance claim filed on this account, I want proof that you have chain of title to collect on this debt. According to 15 U.S CODE 1681b the creditor had no permissible purpose and 15 USC 1681 section 602 states that I have a right to privacy, 15 USC section604 ( A ) section 2 a consumer reporting agency cant furnish MY account without MY written permission. This account needs to be removed immediately.
Consumer complaint received 2024-04-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TD BANK US HOLDING COMPANY (NV)

I am a victim of Identity Theft. I have submitted a police report and my FTC identity theft affidavit but some creditors keep coming back on my credit report and it is hurting my score XXXX points every time.
Consumer complaint received 2024-08-08
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (AZ)

This is a continuation of a previous complaint XXXX about my accounts at Marcus by Goldman Sachs . They did not resolve the issue at all after I called back again.

They have been telling that Marcus closed all 7 accounts ( 1 online saving and 6 CDs ) and a check is on the way. But I have been waiting for this check for more than a month. 

I called them many many times, The only thing they kept telling me that all my accounts were closed. I need Marcus to figure out where my money is.