davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-12
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (CA)

I was racially discriminated against by Chase Bank. A friend of mine recommended the Bank to me Who is XXXX he told me that he got a credit card opened up in XXXX direct deposit credit score was bad. He received the credit card I a month later applied at Chase bank opened up an XXXX direct deposit apply for a credit card with a XXXX credit Credit score the XXXX woman who assist me so I should have no problem getting the credit card. I also spoke to a supervisor who said I dont see anything wrong that she wouldnt get a credit card. Perhaps you should apply for a less credit card, which I did and was still rejected for no reason but vague this is nothing more than discrimination against XXXX  Denying us. Credit is denying me my rights as an XXXX. I have filed a formal complaint with Chase Bank. XXXX XXXX XXXX XXXX XXXX And Im following the complaint with you, Chase. Bank seems to have a history of racism as Ive done research to find. 
XXXX player XXXX XXXX discusses his allegation of facing racism at JPMorgan Chase. 
Chase Bank is accused of refusing to cash a doctors check because she was a XXXX woman. XXXX XXXX XXXX XXXX reports on how lawmakers are working to address the issue as it garners massive social media attention under the hashtag " XXXX XXXX XXXXXXXX. '' Subscribe to XXXX XXXX : Colorado woman is suing JPMorgan Chase, claiming XXXX discrimination at an XXXX branch. She shared her side of the story with XXXX 's XXXX XXXX. 

ETC I am also in this line of discrimination by living in a country that is so unequally yoked that I have to go to the same people that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (IL)

Like many people, gaining access to my Experian account is an exercise in repeated frustration. Each time I have tried to finish setting up an account over the past two months ( I began on XXXX XXXX, 2024 ; the last time on XXXX XXXX 2024 ) I get the message that their site is having a problem and I should call their toll free number. Requesting a confirmation code to my cell phone results in NO text being received ( which makes me think it is never sent ). 

Instead I receive emails from Experian asking me to finish setting up my account : " Action needed, XXXX : Finish creating your account '' ( Received on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX ). When i click the link, I then get the message that there is something wrong and I need to call. 

As I mentioned, this seems to be a problem for many. I use XXXX, but have tried this with XXXX XXXX and even XXXX XXXX XXXX. 

Please require Experian to address this common problem and publish how one can actually set up and " finish creating '' one 's account without having to call and likely face pressure to sign up for a paid account. If Experian can not provide what is supposed to free by law, perhaps they should be dealt with as the law and regulations allow.
Consumer complaint received 2024-06-11
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC. (NJ)

I have been calling Ally Bank, at number XXXX, after I enter my Account #, Ally Bank message is we do not have a agent available to take your call, I get this responds every time I contact them by phone ... I would like for them to send be the title so that I can register the vehicle in my name, and XXXX XXXX  as the lienholder..my current registration expires in a month so I need the title before it expires... Also XXXX XXXX  keeps sending me emails asking ifI have registered the vehicle..
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (IL)

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 informationisinaccurate.
Consumer complaint received 2024-06-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (NJ)

I made a dispute on a XXXXXXXX XXXX XXXX charge of {$350.00}. My account with XXXX XXXX XXXX was not active and they charged my account. Wells Fargo denied my dispute. They are caliming that they couldn't recover the money, but, that has nothing to do with me. I was charged for a service that was never provided and I used my debit card to protect myself. I want the Wells Fargo investigative report on the disputes I have made.
Consumer complaint received 2024-06-04
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. (NV)

According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of XXXX XXXX data field reporting, I have the right to dispute any information on my credit report that I believe is not correct. When it comes to my credit report, I reserve the right to dispute any information that I deem to be inaccurate. I won't stand for any misinformation being associated with my name and financial history. If there's something on my credit report that doesn't seem right, you can bet that I'll be taking action to get it removed.I can not recognize or accept the allegation of delinquency without factual proof. There must be some sort of evidence to back up the claim. Otherwise, I can not and will not recognize or accept the allegation. According to federal and state law, you must report any allegations with the greatest compliance and accuracy possible.You should not report any claims that you know or should know are not in compliance with regulations and the law. If you do report such claims, you could be subject to fines or other penalties. Furthermore, reporting claims that you know are not in compliance could damage the reputation of your company.I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. This is required by the XXXX XXXX reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. Please provide any documents or records you may have that can help corroborate the account and its permissible purpose.I am giving you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report.I hereby authorize you to take whatever steps are necessary to correct my credit. Please send me physical proof of any actions taken on my behalf. I appreciate your help in making sure my credit is in good standing.
Consumer complaint received 2024-06-11
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I've recently applied for a business credit card/auto loan with Capital One and received a letter ( paraphrasing ) that part of the denial is that I had other accounts that I didn't keep in working order and have tried to rectify and cure those accounts. One of the bullet points mentioned that I wasn't made to be a suitable member of Capital One? again I'm paraphrasing this here.
Consumer complaint received 2024-06-14
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Paramount GR Holdings, LLC (TX)

XXXX installed solar panels and since installation for $ XXXX it's not generating any power. It was amazing and shocking with solar panels before the electricity bill was much lower like {$100.00} or {$150.00} but after installation in XX/XX/2023 and XXXX bill in XX/XX/2023 electricity bill was super high. Now fast track disconnected solar panels I am getting low electricity bills like {$100.00} to {$200.00}. 

Despite thousands of requests NO response at all. 

People get solar installations to get no electricity bills at all. 
Sola Panels become a pain keep on getting invoices for disconnected solar panels.

There no response to resolve isssue
Consumer complaint received 2024-06-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (NV)

I suffer from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Wells Fargo is the bank, for which I have an account, I have informed Wells Fargo of my XXXX XXXX and of the communications accommodations as required by the Americans With XXXX XXXX, for which they have acknowledged. 

Wells Fargo has a verification process, when you, their automated system, ask for verification information, which before you can be transferred to anyone, the automated system requires the input of the verification information. This automated system because it is supplied by Wells Fargo and as part of their verification process comports with the consumer credit protection act! 

The consumer credit protection act, only allows for verification once while connected in system on the same call. The law does not permit for continual and repeated verification during the same call while being transferred in system! 

I'm on a call at this very moment with Wells Fargo, and the representative asked me for my phone number and said they would send me a verification code to my phone, all I gave her was my name she already had my information in front of her she sent me a verification code I read it back to her and that was it. This is the first representative who even suggested that such was an option! 

The XXXX XXXX ( XXXX ) requires financial institutions to protect the privacy of consumer information. It mandates that companies implement safeguards to protect customer information efficiently and securely, which can be interpreted to discourage redundant and burdensome verification practices. 

Relevant Case XXXX XXXX  XXXX XXXX XXXX : XXXX XXXX XXXX ( XXXX ) Summary : This case emphasized the importance of protecting personal information and preventing its misuse. It underscores the principles of consumer privacy and proper handling of personal data. 
FTC XXXX XXXX XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXXXXXX XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX : This case involved the FTC taking action against deceptive practices related to consumer information, highlighting the need for fair and reasonable practices in handling consumer data. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Summary : This case dealt with the mishandling of consumer data and underscored the necessity for institutions to have appropriate and non-intrusive security measures in place. 

Repeated verification is a redundancy and does not help protect the account, And since the law mandates efficiency, repeatedly in the same call, while connected to the same system, is not efficient if there is a need to verify at each transfer, it's a redundancy, and it violates my right of access to my account for which Wells Fargo operates as custodian only and not owner of the account! They are verifying my account not their account and by law, they operate as my agent!
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/year>. My student loans were forgiven for Total and permanent XXXX discharge. Ive sent dispute letters to credit bureau. Ive called and they tell me it could take a year to be removed from my credit report. I am trying to buy a home but this will hinder my results. Please help!
Consumer complaint received 2024-06-13
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC. (FL)

We went through a financial hardship middle of last year we had XXXX people passed away sister in law and grandpa which required us to be available for them in their last days of them living. We are back on our feet about a few months ago, we requested for Ally to work with us made payment arrangements and they still reported late payment on our credit even after we had set payment arrangements and made payments for the past 9 months. Company hasn't removed the late fees nor updated the history on our accounts not showing late payments nor are they giving us Information on how to come to a resolution.
Consumer complaint received 2024-06-13
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: AMERICAN EXPRESS COMPANY (MI)

On XXXX XXXX An account opened with American express for a credit card in the Amount of {$1000.00} was opened in my name XXXX XXXX XXXX XXXX XXXX  with out my knowledge or consent. and mailed to the Address of XXXX XXXX XXXX XXXX XXXX XXXX a home in which i have never stayed but was being used to create a false identity using my personal information and have goods mailed in my name. I have tried to reach out to this company about this matter concerning this fraudulent account several times. I was hung up on or Ignored all together when talking to customer service representatives for this company. This company has received a copy of the police report filed by me at my local police station and FTC Report from the Federal Trade Commission naming this account as fraudulent but still is trying to collect this debt and is still reporting this debt to the 3 major credit bureaus making me ineligible to obtain housing or reliable transportation due to this companies negative reporting of this fraudulent account. This company has Ignored all Requirements of its obligation of furnishers under the Fair Credit Reporting Act 15 U.S.C. 1681s-2 section 623 I have tried all that i can, but these companies do what they want.
Consumer complaint received 2015-10-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (MD)

I am a first time home buyer and purchased my home this XXXX 2015. My loan was sold to NationStar Mortgage and they have completely screwed up my escrow account. My taxes are set up to be paid on a semi-annual bases. As part of my settlement fees my first installment of taxes was paid in XXXX. The next installment was not supposed to be paid until XXXX. I log into my NationStar account and see that my monthly payment is now over {$250.00} more. Of course I am confused as to why. I check my escrow statement and am mortified to see that NationStar paid the annual tax amount and now they say I have over a {$3000.00} shortage. This is only the beginning of the damage! I call the XXXX and they said yes we did receive another payment in XXXX but it was only for the remainder of your taxes not the full amount and it was from somewhere called XXXX. I call NationaStar and they say they do n't know who XXXX is and that they need to call XXXX XXXX to see where the check for the full amount of my taxes is. XXXX XXXX says that they did not receive that check. So now NationStar is researching to find out where the check is! Oh and on top of the XXXX is a subsidiary of NationStar and the customer service rep did not even know that! The horrible part is I have no idea where the money came from that was sent from XXXX because it did not come out of my escrow account! Now NationStar has advised me that it can take up to 10-15 business days to resolve this so I have to pay the higher mortgage amount for XXXX. I am a single income household and only have been a home owner for 4 months and I ca n't believe I am going through this. I would have had my tax money in my escrow account for the XXXX payment! Please help me resolve this matter quickly before my finances are screwed!
Consumer complaint received 2019-04-21
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY (CA)

I was in desperate need of additional funding to sustain my quality and standard of life that I've always had which was when I chose to go to Wells Fargo, my personal bank that holds my checking account and was granted XXXX on a private student loan with variable or fixed interest on them. I chose fixed and then the semester to follow I decided I needed a second one where I was granted another {$8000.00} so XXXX dollars in two semesters. Interestingly enough on the second loan I chose variable interests and notably the adverse choice I made when deciding on the interest variable on the first loan. This alone exhibits a general lack of knowledge and understanding though I asked the questions the banker failed to properly inform me of what these actually meant as far as APR rates, percentages, how this could positively or. negatively hurt me when it comes time for repayment or anything clear of that nature. I struggled with a lack of knowledge and understanding because the teller failed to answer my persistent and notably reasonable questions someone taking out their first loan may have the banker assisting in the process.
Consumer complaint received 2024-05-31
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (FL)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-06-15
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

i earlier filed a complaint XXXX bank of america has not resolved the issue yet and i think this shows that they are not prompt at addressing customer complaints i received XXXX international wire transfers and Bank of America has charged {$15.00} fee each - I have received international wire transfers in other banks too and they waived their fees. I have been Bank of America customer for XXXX years in a very good standing and I would appreciate if they waive those fees
Consumer complaint received 2019-04-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (PA)

Hi, I have a 15 year Fixed Home Mortgage Loan with US Bank. When I login to make a Mortgage payment from their web-site ( https : //onlinebanking.usbank.com/Auth/Login ), it gives you few options when making the mortgage payment. Even though, I select the payment towards next EMI, the payment is still applied towards Principal payment. When I communicated with them, they did so many reverse entries that no one can understand ( I have XXXX in XXXX still it is confusing ). I am not sure whether my payments are correctly applied so filed a complaint with their customer support department. Have only got communication with a vague language without any answer to my original complaint. Please help me to resolve the issue as US Bank does not care for resolving it. 

Thanks. 
P.S. I can provide my personal information if needed.
Consumer complaint received 2024-06-13
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

Captial one bank 
Balance of XXXX  Date opened XXXX XXXX XXXX

XXXX XXXX XXXX 
Balance of XXXX
Date opened XXXX XXXX XXXX XXXX XXXX XXXX 
Balance of XXXX
Date opened XXXX XXXX XXXX  
XXXX XXXX 
Balance of XXXX
Date opened XXXX XXXX XXXX
Consumer complaint received 2024-06-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: NEW YORK COMMUNITY BANCORP INC (FL)

Hi! 

My name is XXXX - I tried to open a checking account with Flagstar bank- on XXXX Flagstar withdraw my {$500.00} initial deposit from my XXXX XXXX account. Since then, I never received anything from the bank - no mail, no account #, no debit card to use my account. I called multiple times to the customer service and spent hours with them - asking to resend me a card, provide me my account number- did not get anything. Their response is that I have to set it up through an email which I got which supposed to let me to set up an online banking, but which does not let me do anything without knowing my account number. 

Finally, I gave up and decided to close my account. 

I spoke with a supervisor XXXX XXXX at XXXX- he told me verbally ( nothing in writing ) that it is up to back office to decide if they let me to close my account and that they would charge me $ XXXX {$30.00} for early account closing. After about XXXX weeks he called me and told me verbally ( nothing in writing ) that per back office I have to write a letter to close my account- but I do not know for sure if my account was ever opened, and I do not know my account number. 

Thank you
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC. (AL)

I am writing to complaint to ALLY FINANCIAL about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX, AL XXXX, and my name is XXXX XXXX XXXX. My birthdate is XXXX. The FTC report numbers related with this complaint are XXXXI have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to delete them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.