davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: U.S. BANCORP (NY)

I setup a new account on XX/XX/year>. I transferred {$3000.00} to open the account and then an additional {$22000.00} on XX/XX/year>. I received a new account bonus on XX/XX/year> ( {$800.00} ). Today, XX/XX/year>, I tried to transfer money out of the account. Tried linking my other bank. Tried XXXX. Nothing worked - all kinds of site errors. Called in to just cancel the account and get a cashier 's check. Was asked to confirm the phone numbers on my account. Was told there was another number on the account- the website my profile said otherwise. Now I'm waiting for a manager to call to get more information so I can close the account. 

I would like my money back.
Consumer complaint received 2024-06-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Dave Operating, LLC (AZ)

A week my Dave spending account was put on hold for no reason and I have yet to get help I emailed the company 12 different times they are holding over {$1000.00} of my own money I shouldnt be having to beg for my own money
Consumer complaint received 2024-06-13
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: Continental Finance Company, LLC (NY)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my CELTIC/CONT - XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2024-09-11
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. (GA)

I have filed complaints with the XXXX bureaus regarding the status of my credit report, which still contains negative items. The incorrect information listed on my credit report has greatly affected me due to the unfavorable perception from creditors. I am seeking to have the negative items removed from my credit report. Therefore, I am requesting your assistance with this matter. If the credit bureaus do not take action, I am prepared to take legal action against them for the damage this has caused me.
Consumer complaint received 2024-06-13
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: QUALITY ACCEPTANCE LLC (CA)

A charge off is considered a certificate of indebtedness which means it is income and must be removed. Account XXXX I recently came across information related to charged-off amounts and their implications under the Internal Revenue Service ( IRS ) regulations. According to the IRS Article, a charge-off is considered a certificate of indebtedness, which means it is treated as income and, therefore, eligible for removal from the records. In light of this information, I kindly request assistance in reviewing the status of the charged-off amount associated with my account.

15 usc 1681B permissible purpose
Consumer complaint received 2024-06-13
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: ALLY FINANCIAL INC. (GA)

HARD INQUIRIES SHOWING ON XXXX THAT NEED TO BE REMOVED : XXXX XXXX XX/XX/year> ALLY FINANCIAL XX/XX/year> XXXX XXXX XXXX HARD INQUIRIES SHOWING ON XXXX THAT NEED TO BE REMOVED : XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXXXX/XX/year>XXXX XXXX XXXX XXXX XX/XX/year>XXXX XXXX XXXXXX/XX/year> XXXXXXXX XXXX XXXX XX/XX/year> HARD INQUIRIES SHOWING ON XXXX THAT NEED TO BE REMOVED : ALLY FINANCIAL XX/XX/year> XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year>
Consumer complaint received 2024-06-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. (NY)

Ive clearly communicated multiple times via written and phone communications to Nelnet that the loans placed by XXXX XXXX  on my account are illegal as I was never their student. I visited this university day 1 of classes and I had natural disasters that occurred in my lifetime history I got severely ill and I was in the hospital for a long duration. XXXX XXXX  took advantage of the time I was in the hospital to place loans on my accounts and avoided all communications with me till today. I reported this incident more than several times to Nelnet, however, Nelnet response was to contact the school myself when the school ignores my inquiry. NELNET MUST REMOVE UNAUTHORIZED LOANS FROM XXXX XXXX  IMMEDIATELY.
Consumer complaint received 2024-06-13
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (WA)

I have a {$70.00} gift card from Amex. The card didn't work with any purchase. I tried multiple times to use it including different vendors. It just kept declining. I called the Amex call center XX/XX/XXXX and they offered to replace the card. I said no, send me a check since I don't want this issue to continue. they advised I needed to wait for credit holds to release.

I called back on XX/XX/XXXX and they said they were sending a check. The next 3 times I called in they said they are working on mailing a check and call back in 2 days for status. Now they say the issue has been " strongly escalated '' on XX/XX/XXXX and I should receive a check by XX/XX/XXXX. I don't believe them after 6 calls and hours working on this.. I've also asked the XXXX call center for mailing address for Amex to escalate. They provided their outsourced email XXXX XXXX. They refused to provide any escalation to Amex directly.

Amex should be ashamed about this poor customer experience with their brand.
Consumer complaint received 2024-08-12
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. (OH)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-08-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

I am XXXX XXXX, and XXXX submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2023-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Experian credit bureau is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and delete it immediately in my report : XXXX XXXX XXXX Date Opened : XX/XX/2021 Balance : Balance : {$15000.00}
Consumer complaint received 2023-07-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (FL)

On XX/XX/XXXX Citibank decided to closed out my card, On that day I was hung by 4 times by your investigation team, I also was told that my account was being closed due to multiple claims that I have open, I have 3 fraud claims that were open and closed out in my favor, I have 3 disputes with merchants due to the merchants claiming that they have refunded me and I haven't recieved a refund also on XXXX my card was decline by citibank for my glasses that I purchased I Used another card to pay for set purchase, then on XXXX I contacted the fraud team the same fraud team that closed out my account due to blocks being on my card 5 times my card was swiped with XXXX and they all declined I have to use another card I provided you guys with receipts showing my card was charged with another card, now told XX/XX/XXXX I receive a letter in mail telling me that the provesional credit that was given was not in my favor and y'all took the money out my account this is the XXXX time every time I sent receipts to Citi via email XXXX or fax they never receive it, there a charge that I was charge for with target didn't even make the charge but apparently whoever used my card return stuff and the claim got denied due I sent letters back letting y'all know that the charge was fraud no still its being deemed as I made, so when I contacted Citibank I was made aware the y'all back office team is the one the closed out my account and they are the one that are trying to legitimize my account too see if it was me that put all money in my account, I have made every single cash deposit, I have made every single check deposit which is 2 which was the check that was deposited in my name and also the one that was deposited in my account for my business and didn't know that I couldn't deposit the check the check was in my business name and I didn't know that I couldn't deposit this so Im not understanding why my account is being closed there is no reason to close out my account, I have recording go how these agents are talking to me I have recording on how they blaming everybody instead of taking accountability for what is happen my account is being closed for no reason and now they want verify if my funds are mine excuse me all funds are mine I feel very discriminated against and I feel this is wrong
Consumer complaint received 2024-06-13
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Upgrade, Inc. (NJ)

I have 2 complaints and this is Financial Malpractice : 1 ) My credit limit was reduced drastically from XXXX $ to XXXX XXXX Now my credit card shows has " Over credit Limit '' as there is approximately more than a XXXX $ over credit limit in balance which has severely impacted my credit score, plus this also reduced my available credit overall which has severely impacted my credit score, causing financial distress and has impacted all areas of my life financially. I am not making monthly payments for a credit card I can not use ( As the available credit is XXXX $ ) and paying interest on top of this. This is malpractice where Upgrade Inc. approves a credit line and then suddenly drastically reduces the credit limit ( Based on credit scores as a reason ) and the consumer is put in a situation where the credit card can not be used anymore, and monthly payments are being made with interest with no use of the card. Basically, Upgarde Inc. provides a credit line, reduces the credit limit and indirectly makes this like a loan with a high interest payment. This must be addressed with these small financial institutions who are using legal loopholes to cause severe financial distress to the customer for their own gain. They should not be allowed to run financial institutions in the United States with these kind of undercover financial malpractices. Every area of my life has been impacted by this company due to severe credit score impact.

2 ) A monthly payment was made on XX/XX/year> in the amount of {$1600.00} by mistake as Upgrade Inc. does not show a confirmation page with the amount before submitting the payment. I meant to make the minimum monthly payment, but instead, the payment defaults to the full amount and Upgrade Inc. hides the amount in the confirmation page before submitting the payment. In this case, the customer would not know what payment amount is being made ( Every Major financial institution has this process in place ). This is to mislead the customer and make them pay a full amount, by hiding the amount on the confirmation page. After submitting this payment, I immediately tried to cancel it ( In 30 seconds ) for {$1600.00} and they would not let me cancel. So my entire salary I received the same day was taken by Upgrade Inc . I contacted customer service and they said that they can not do anything about it via an email. There are no communication channels in place and they have a live chat option which is not operational. The website is very amateur for a financial institution where you can not even see the detailed account summary. Now this has caused me to lose my entire salary without being able to pay for rent or food. The I sincerely hope this financial institution is held accountable for their malpractices. 

Thanks Very Much.
Consumer complaint received 2018-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (TX)

I have ask CRA to provide verification of this debt on multiple disputes and still have not removed the debt nor giving sent me any verified information by mail or email. According to the FCRA section 609 they are required by law to do so. 

US Department of Veteran Affairs {$6100.00} US Department of Veteran Affairs {$5000.00} US Department of Veteran Affairs {$100.00}
Consumer complaint received 2023-07-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (IL)

I initially filed a complaint because I was blocked from using the online website and automated phone system to make my monthly payment. I have just found out why! 
Talk to customer service and they informed me that I had to sign a " permission slip '' giving PHH authority to allow me to make online payments or phone payments through their system. I didn't think anything but why was not I informed by email or regular USPS of this new requirement- which I have not ever heard of and I am a licensed Realtor and was a licensed mortgage broker. So they sent me an email which was " secure '' and when I went to it the email said that " Document that I Requested '' and I opened it and it was new loan papers for a new mortgage for higher interest than my current conventional loan and its interest only which adjusts on a monthly basis! I have not talked to a loan officer nor did I request a new mortgage! 

What XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is PHH doing? Is this a new form of predatory lending???? Someone better take action before a lot of older seniors like myself that don't have my business background get taken into signing paperwork for this, I have no idea how they think this is legal!!! I will be contacting my state representative, senator and anyone else I can think of to get this stopped immediately!! 

I hate scams and taking advantage of people like this is just beyond the pale!
Consumer complaint received 2024-06-13
Product: Credit card — General-purpose credit card or charge 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: JPMORGAN CHASE & CO. (NJ)

I am writing to formally file a complaint against Chase for their failure to resolve an issue with a ticket purchase and their subsequent refusal to provide a refund. 

On XX/XX/year>, I purchased two tickets through the Chase 's Travel portal for flights scheduled from XXXX to XXXX on XX/XX/year>, and from XXXX to XXXX on XX/XX/year>. The original XXXX  for these tickets was XXXX and TRIP ID XXXX XXXX. 

When booking the tickets, I mistakenly entered my wife 's married name instead of her maiden name, which is the name on her passport. Realizing this error well in advance, I contacted Chase Travel two weeks before our scheduled departure to request a name correction on the ticket. Despite my timely request, Chase Travel was unable to correct the name or offer any viable solution to rectify the situation.

As a result of their inability to address this issue, my wife was denied boarding despite having all of the documents and I was compelled to purchase a new ticket for my wife at the airport on the day of the flight, incurring additional, unforeseen expenses.

Since then, I have been in continuous communication with Chase Travel for over a month, seeking a refund for the original ticket. Despite my persistent efforts, they have neither provided the refund nor offered any concrete resolution. Instead, they continue to attribute the delay to the airline and have not given me any clear next steps.

Given the circumstances, I am requesting a chargeback for one ticket at original price, amounting to {$1200.00}. This request is made in light of the financial burden and inconvenience caused by Chase 's failure to address the issue promptly and adequately.
Consumer complaint received 2024-09-11
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. (FL)

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. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and list of Inquiries.

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 2024-06-13
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: TRANSWORLD SYSTEMS INC (NE)

In XXXX I took out a heloc with XXXX. I went in to bankruptcy in XXXX and thought the heloc was in the bankruptcy, but it was just the missed payments. In XXXX when I was discharged from the bankruptcy I received a letter from XXXX saying they bought the loan. They had me deal with their collections department, Nationwide, which said that if I was to pay down the debt and show them that I was sincere about settling the debt they would work with me. For they had purchased the debt for pennies on the dollar ( heard that dozens of times ). I did over the next 16 months I paid off XXXX of the debt, during that time I was granted a XXXX XXXX for multiple reasons. Nationwide had steps to follow ( tax returns, bank statements, XXXX statements etc. ) I followed them and submitted a buyout offer like they said, about 70 % of debt they showed me. They called that night ( seemed drunk ) said they wanted all of the debt plus the XXXX interest and penalties ( never mentioned before ) said they own me and they own my home. I thought I was scammed, I didnt hear from them again. Applied and was granted a mortgage loan modification in XXXX no mention of a second lien. XXXX loan application showed a second lien ( title search done by same company as loan modification two years earlier ). Dont know what to do, Im getting old and I dont want to leave this mess to my family.
Consumer complaint received 2024-09-11
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. (GA)

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. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX and list of Inquiries. 

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.