davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-07
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: WELLS FARGO & COMPANY (MO)

I have debit and credit cards through Wells Fargo Bank. I checked my credit card account on Thursday, XX/XX/year>. I always pay my credit card on time and have never gone above my credit limit. When I checked my account, I noticed I was several XXXX dollars over the credit limit, which alarmed me. I checked the recent charges and noticed an unauthorized charge dated XX/XX/year>, for {$2400.00} from a hotel called XXXX XXXX in XXXX XXXX, California. Having been only in the XXXX for several months, I knew this charge was fraudulent. I immediately called Wells Fargo and eventually reached their fraud department. The agent examined my account and agreed that the charge was fraudulent. Additionally, they said whoever executed the XXXX XXXX transaction also attempted to use my card XXXX or XXXX other times. The agent I spoke to said they would close my account, open a new account, and issue me a new credit card. They advised me the card would be delivered to my home address in XXXX to XXXX days. On Saturday, XX/XX/XXXX, I was notified that the new card had shipped. 

My online account shows my previous account has been closed and that I have a new account with a new account number. However, the fraudulent charge is still on my new account, which concerns me. {$2400.00} is more than I make in XXXX calendar month, and it would be a significant financial burden for me to have to pay that amount. I have done a bit of reading about the applicable laws, and know that I am not liable for this charge. At most, I'm liable for {$100.00} of the charge, and I suspect that I am really liable for {$0.00} under Wells Fargo policy. I might be a impatient here, but Wells Fargo agreed the charge was fraud, closed my previous account, and opened a new one. I feel they should have immediately removed the fraudulent charge on my account too. The attached photos show my new account with the {$2400.00} charge still on the account, with the account still over my credit limit. 

Additionally, I am concerned that whoever executed this fraud attempted to use my card XXXX or XXXX additional times. I am responsible for not noticing this fraud earlier, as I did not have alerts on to notify me of strange activity on my card. However, my account statements show no record of someone attempting to use my card in another location. If Wells Fargo knew this, I would have liked them to tell me. I would have been notified of this fraud much earlier if they had.
Consumer complaint received 2023-11-17
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)

I respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued and appreciated.
Consumer complaint received 2023-09-19
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. (CA)

This is annoying and frustrating! Regarding the fraudulent account that continues to persist on my credit report. This matter is of great concern to me, as it has had a detrimental impact on my creditworthiness and financial well-being. 
The fraudulent account in question is as follows : XXXX XXXX XXXX I am fully aware of my rights under the Fair Credit Reporting Act, including the right to a fair and accurate credit report. I trust that you will treat this matter with the urgency it deserves and resolve it in a timely manner.
Consumer complaint received 2024-08-01
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: Klarna AB (IL)

On XX/XX/XXXX I created a XXXX time use card on the Klarna website to use on XXXX to rent a car. Klarnas website says if a XXXX time card is not used Klarna will cancel the card and payment schedule. I created a rental reservation at XXXX but when I attempted to use the XXXX time card created on Klarna I got an error message that the method of payment could not be used. I waited XXXX hours for the charges to be removed from Klarna and the card to be cancelled, they never were. I submitted a dispute through the Klarna website and got a notice that my dispute was cancelled. They are now trying to charge me {$560.00} for funds never dispersed on my behalf.
Consumer complaint received 2024-04-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

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 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (KY)

This is my 13th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-09
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (IL)

I shopped in XXXX, XXXX, at XXXX where I have been a cardholder since XXXX. I have never been late with a payment - ever. Received the bill- {$44.00}. XXXX pair of shorts. The day the bill was received, a check was written and mailed the next day to Comenity Bank. Apparently the check never arrived. I received cellphone call from an irate woman at Comenity Bank, letting me know I was late with payment and this wasn't acceptable and I needed to pay right then. I double checked my checkbook for the check number and date of mailing. I let Comenity know this information, and was told " so your check got lost in the mail. That isn't going to help ME, is it? '' I then immediately wrote a second check for {$44.00} and mailed it that day. In the meantime, I have called Comenity every day to ask if they have received either check # XXXX or check # XXXX. No far, as of this writing, neither check has been cashed. Today, I received another Talbots bill ( before all of this happened, I'd purchased XXXX belts online ) and a {$30.00} late fee was added, on that {$44.00} pair of shorts. My husband, an attorney, got on the phone and spoke with someone at Comenity. She agreed to drop the late charge. Then she asked to speak to me, at which time she reprimanded me like a child and warned me I was going to be watched for XXXX  months for any other late payments, and if there were any, I could lose my Talbots card. Because of this issue, I returned the belts without even unwrapping them. Even though I returned the belts, I sent a check to pay for them. So- if the Bank is honest, I will expect to have a credit with Talbots. I intend to cut up both my Talbots and XXXX  cards. I will never use a card issued by Comenity Bank again. I am XXXX years old and I have NEVER MISSED A SINGLE PAYMENT ON ANY CREDIT CARD, EVER. A {$30.00} late fee on a {$44.00} pair of shorts???? When the payment had been sent in good faith- just as it has since XXXX. Today the woman from Comenity said " using the US Postal as an excuse is unacceptable to us. '' I am in the process of warning every woman I know about the hazards of using a credit card issued by Comenity Bank. Already I have received a reply that XXXX woman will never use those cards again ... .hoping more will do the same.
Consumer complaint received 2024-08-01
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Roadrunner Account Services, LLC (NJ)

I entered into a contract with RoadRunner Financial on XX/XX/year>2024 in the amount of {$13000.00}. I tendered the negotiable instrument I gave them to open the account and they received it certified mail on XX/XX/year>2024. Along with that I sent them my power of attorney and a remittance to apply to the account. Which they wrongfully and unlawfully denied. The contract explicitly defines what a security interest is pursuant to the contract and what it is intended to be used for. You can find it under Terms and Conditions subsection Security Interest it says verbatim The security interest secures payment of all amounts you owe in this Contract and performance of your other agreements in this Contract.. I reached out through mail and email sent notices to claim interest and gave opportunity to cure. This is my final notice the default judge notice being sent through the CFPB. Utilize the security interest for what its there for under the contract. I called account services spoke with managers and they reached out to legal team members because they can not discuss the contract or they dont have capacity to discuss it. Either way I tried to communicate in multiple different ways and forms and the account is still reflecting thats its due when I already accepted bill and sent it back with instructions to transfer it to the principals account. Through remittance. I would like to believe this person isnt practicing deceptive business practices and or acts. I spoke with legal team members via email and had little to no response and certainly no solution to this problem. I emailed the XXXX XXXX  XXXX of the company and no response. 

The company has not fulfilled their contractual duties, commitments, and obligations. The ignoring my emails and concerns I expressed are making things seem very deceptive and makes me think something fraudulent is going on with my security interest if the breach of contract continues. 

I will have attached below : notices that were sent, response from a legal team member denying me my rights under this contract ( I never requested to alter or change the contract in any form. I am instructing you to use the security interest to cover all debts owed in the contract as it stated thats what its there for ), and the contract with the portion I am referring to highlighted so its easier to find, I will attach a response letter I sent to the legal department as well that clarifies to them that I am not trying to amend the contract I am trying to utilize my rights under it. 

The contract is with RoadRunner Financial.
Consumer complaint received 2024-01-10
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. (FL)

dear sirs @ experian, reviewed my credit file and noticed unauthorized inquiries on my credit report.pls remove these inquiries, did not apply to them for credit! 
as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK (IL)

A discover card was fraudulently opened in my name. An email address ( XXXX ) and phone number ( XXXX ) that does not belong to me; was used to obtain an online account. Payments were made on this account and returned unpaid from an account that does not belong to me. Authorized users were added to this account that I have absolutely no knowledge of. I have been crying out to have this fraudulent account removed from my credit for several years even before it became delinquent. My disputes were denied continuously. I was not living at the address on file when this account was opened and have provided proof several times. I have attached a bill that shows my address in XXXX of 2017. I have also attached a copy of my lease that shows the address I moved to in XXXX of 2017. I never requested a new card from discover nor retrieved any card. The account is NOT mine.
Consumer complaint received 2024-02-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC (CA)

JEFFERSON CAPITAL SYSTEMS sent me a bill for over {$2700.00}, They said the bill was XXXX. I told them I never had a credit limit close to {$1000.00}. I have repeatedly asked for a printout of charges. They only sent me a bill. Never have they sent me a list of the charges they claim I incurred. Case # XXXX
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (IN)

My student loans were transferred from Nelnet to XXXX in XXXX of XXXX. A year later, the nelnet accounts are still showing as open on my credit reports resulting in double the amount of loans on my report than I truly have. I have emailed nelnet to get this resolved with no response to them. I filed a dispute with XXXX  regarding the loans on XX/XX/XXXX. However, the disputes were closed on XX/XX/XXXX and the loans left open on my credit report. Nelnet has had a year to make this right and they have not. This negatively affects my credit.
Consumer complaint received 2023-09-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (OR)

XXXX  I requested a call back from my student loan servicer EdFinancial. I got a call back from a representative XXXX and I advised that I wanted to get on the SAVE plan. She tried to steer me away and get me on the standard plan instead. She then put me on hold after verifying my income and dependents and then confirmed that I was eligible for the SAVE plan with {$0.00} payment. She said she processed it and I would be on the SAVE plan with {$0.00} payment. However, my account still shows in on the IBR payment plan with {$420.00} payment. I would like to have my student loans on the SAVE plan with {$0.00} payment as discussed and if interests are being accumulated, then servicer will waive interest or pay for it.
Consumer complaint received 2024-08-01
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Lendmark Financial Services (NC)

MY PURPOSE OF THIS COMPLAINT IS NOT TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ). PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DON'T TRY TO SAY THE ( FCRA ) DOES NOT APPLY TO YOU BECAUSE YOU ARE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MALES IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOT WITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16G2F ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO YOU! CREDIT ACCEPTANCE CORPORATION VIOLATED 15 USE 1681A ( 2 ) ( B ), 15 U.S. CODE 1681B ( A ) ( 2 ), 15 U.S. CODE 1681 ( A ) ( 2 ), 15 USC 1692J ( A ), AND 15 USC 1681E ( B ).
Consumer complaint received 2024-08-01
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Collection Professionals, Inc. (TX)

Even after I have requested the company to cease and desist all communication including furnishing the account to the consumer agencies which I deem as communication and upon further checking the account has not been removed. I have told this company I am not the correct person they are asserting me to be and the company failed to validate the account according to the FDCPA and is acting maliciously in its tactics. Furthermore, In the CFPB complaint the company has affirmed that it does not know if the account belonged to me and does not have information to show that this alleged account and debt belong to me. It is clear the company has no moral standing nor its representatives to follow the law or to do what is moral, legal and ethical. I have attach a photo of the company stating this. 

I have sent in letter requesting for documentation and I am still demanding the documentation of proof that they have a right to collect alleged debt and that I am the correct person which I know I am not. The company has failed to notify me properly, failed to provide any assignment of debt or forward flow agreement. After my initial complaint the company is now fluctuating the alleged debt up and down on consumer reports which I have no idea why.
Consumer complaint received 2024-03-21
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: ALLY FINANCIAL INC. (CA)

It was late at night they told me the bank was closed, but sign the documents, which included items I absolutely stated several times I did not want to purchase they said don't worry they will not be on the paperwork for your bank, they said I would be contacted on Monday, Monday came I contacted my bank they never heard from them, I called the dealership they said my bank said it was to much, first they never contacted them they went ahead a got a loan through their own lender at 9.99 %, with the extra $ XXXX of stuff I refused at 62 months, when I told them my interest rate was 6.91 % and it was for 48 months, when I asked them to correct it they all they could tell me was to have my bank refinance the loan and refused to do anything else. They lied and never even contacted my lender
Consumer complaint received 2024-01-26
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. (NJ)

In accordance to the credit reporting act, this creditor has violated my rights under 15 U.S. C. 1681 section 602 states I have the right to privacy15 U.S. C. 1681 section 604A section 2 it also states consumer reporting agency can not furnish an account without my written instruction under 15 U.S C. 1666B a creditor may not receive a payment on a credit card account under an open end consumer credit card as late for any purpose.
Consumer complaint received 2024-04-26
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: Experian Information Solutions Inc. (TX)

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
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
Consumer complaint received 2024-08-01
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO. (CA)

XXXX XXXX XXXX Credit Card Number ending XXXX Chase Credit card I was getting bothered and harassed calling. Told Chase to work with me at XXXX dollars a month payment and then they started with you get more fees on top of fees with interest. Was like that is not right and decided to get you guys involved. also, felt discriminated on one of the calls they were saying he can not spell " must be XXXX ''. Just please, help me on this situation and get this resolved.
Consumer complaint received 2024-08-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Freedom Mortgage Company (DE)

We have requested freedom drop the pmi cost from our mortgage payment. The value of the house compared to the loan amount owed is within the guidelines where freedom should have dropped pmi automatically. Freedom continues to send advertisements asking us to cash in our our equity. I even called one time to see how it works nd they quoted me new mortgage payment, new apr, and the cash i would receive. How is all this possible but the pmi continues to be charged. My research states they are suppose to drop after value and loan owed achieve the correct ratio.
Consumer complaint received 2024-07-31
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Confusing or missing disclosures — 
Company: JPMORGAN CHASE & CO. (GA)

I tried to cash a check written against Chase Bank, but they said they could just refuse to do so, even though it was a check from their bank. They have no reason for refusing to cash a check written against their own bank.