davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-18
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: SANTANDER HOLDINGS USA, INC. (OH)

SANTANDER CONSUMER USA, XXXX XXXX XXXX and XXXX XXXX XXXX has ran my credit reports without my consent i am really upset about this due to the fact i am trying to get a home and got denied due to their fradulent inquires. 

SANTANDER CONSUMER USA XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX  XX/XX/year> 2023
Consumer complaint received 2024-06-18
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Dear Sir/Madam, I am writing to bring to your attention a matter of utmost concern regarding the conduct of Bank of America/Merchant XXXX I have previously filed a formal complaint with your esteemed authority, and I would like to provide additional information and request your intervention in this matter. 

Upon filing my initial complaint ( XXXX ), I was promptly contacted by XXXX XXXX XXXX the Senior Customer Relationship ManageXXXX at Bank of America XXXX XXXX XXXX not only assured me that she would be my dedicated point of contact for any issues but also offered to lower my fees from XXXX basis points ( bps ) to XXXX bps. Regrettably, this fee reduction was implemented for only XXXX month, after which the fees reverted back to their original rate. 

As a business owner and a banker myself, I find this behavior by BoA to be wholly unacceptable It is disheartening to witness a prominent financial institution like Bank of America ( BOA ) make an offer based on their own mistake and subsequently fail to fulfill their promise. Such conduct is not only unprofessional but also highlights the vulnerability of customers in this relationship. 

Customers require more robust protection against unscrupulous practices, such as those displayed by Bank of America. 

I appreciate your attention to this matter and look forward to a prompt resolution. 

Yours faithfully, XXXX XXXX
Consumer complaint received 2018-05-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (AR)

XXXX I enrolled in XXXX XXXX part time. My XXXX XXXX sent my loan provider ( XXXX ) my letter stating my enrollment. XXXX XXXX XXXX  starts in XXXX. So I called asking to take my direct debit off my account. The agent I talked to suspended it instead. I still had payments coming out. I called about this, I was told they were resubmitting the documents. XX/XX/XXXX comes and I talked to XXXX ( XXXX ) and I was told I was denied half time but don't worry about it, she was resubmitting the request and I have 90 days to make my payment.I call back XX/XX/XXXX. XXXX ( XXXX ) puts in a request for deferment for direct debit to be taken off and the call was dropped. I called back and spoke with XXXX ( XXXX ) who told me I was taking 6 hours which is not part time so I was not eligible for school deferment and that was why my letter was rejected. I was told to log in to the web and re-certify based on my income right now ( which I am currently unemployed ). I called my school and was told XXXX taking 6 hours are considered 1/2 time and I was given wrong information. I called back XX/XX/XXXX and talked to XXXX ( XXXX ) and was told I signed a waiver when I worked for the XXXX XXXX XXXX XXXX and that is why my school loan forgiveness is not attaching to my account. I was told I needed to sign a form to remove the waiver from my account and he was mailing it out to me. I called today XX/XX/XXXX as I still had not gotten the waiver. I talked to XXXX XXXX who transferred me to XXXX ( XXXX ) who was very rude and condescending and let me know that no one had misinformed me of anything on my account. He continued to interrupt me when I tried to explain to him what XXXX told me was wrong ( that I WAS eligible for deferment ) and that EVERY agent missed the waiver.. he was just so rude to the point I screamed at him and hung up. I plan on looking for a new student loan service.
Consumer complaint received 2024-06-18
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Navient Solutions, LLC. (MI)

I was part of the XXXX act that all my students loans were supposed to be cleared and they haven't cleared all of them. Navient keeps holding on to XXXX loans which area part of that.
Consumer complaint received 2024-06-18
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 (PA)

Wells Fargo owes me a check since XXXX 2023 & it hasnt arrived to me at all. for 4 months I called them straight & custome service pretends like they shipped it. They stole money from my account & they were sending me money as part of their settlement & then didnt follow through.
Consumer complaint received 2024-07-08
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. (NC)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2024-06-18
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: SANTANDER HOLDINGS USA, INC. (TX)

I am writing with grave concern regarding a derogatory rating that appears on my credit report. This negative mark has caused me significant distress and XXXX  due to its detrimental impact on my credit standing. It has already adversely affected me, leading to the denial of a recent loan application as well as increased interest rates on my existing credit accounts. I can not overstate the severe financial hardship and emotional toll this inaccurate negative rating has inflicted, and will continue to inflict until it is properly remedied.
Consumer complaint received 2024-06-14
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY (FL)

For the last couple of days I have been receiving calls from a XXXX number and I get these calls either back to back or even late in the evening. I did research the number but it doesn't come up under TD Bank. I do understand my account is overdrawn and I do work and get direct deposit into that account, and it has happended to me a few times with my account being overdrawn and I always took care of it. so I don't get why all of a sudden i'm getting these calls from a number that is not associated with TD Bank. the number that is calling is XXXX.
Consumer complaint received 2024-06-15
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: MoneyLion Inc. (TX)

On XX/XX/XXXX, I was approved for their XXXX XXXX XXXX XXXX for {$1000.00}, of which only {$250.00} would be transferred to my acct, and {$750.00} would be sent to a reserve acct, and can only be accessed when paid off in full. Within minutes of approval I called in to cancel or void as they stated, the loan. I was told by that since the transfer of {$250.00} had yet to be processed she could void the transfer and cancel the loan. The next day, XX/XX/year>, I called to verify it was voided because it was still showing in the app and another lady confirmed in previous notes and said she sees where it is voided and not to worry. On XX/XX/year>, there was a transfer to my checking account of {$250.00} from MoneyLion. Frustrated, I call back in on XX/XX/XXXX and am told the only way to cancel the loan is to pay {$250.00} now ( {$1.00} interest ). Wanting to just be done with it I happily said go ahead and charge my account I do not mind paying {$250.00} at all. He said it would be processed in 10-15mins and he would give me a call back to use my credit reserve funds of {$750.00} to close the acct. I would like to note that the whole reason I am having to call in to make these payments is because it does not allow me to do so online or in the app. It only allows me to make the scheduled payment or pay {$1000.00} off in full from my checking account. A couple hour later after not receiving a call I call back in again and each time I have to reexplain myself. The lady said the payment is still pending and to give it a day or two. XX/XX/XXXX, I call back and am told there is an error with their system and the payment is still saying scheduled for the prior day ( XX/XX/XXXX ) and will now have to be further looked into which could take 1-3 days. It is past 3 days now and I have received no information as to why I cant simply make a payment or why it was not initially voided. When I asked why they cant simply make another out of schedule payment of {$250.00} to close the loan, he said bc the other is still scheduled from XX/XX/XXXX. The first payment is coming up on XX/XX/XXXX and I fell they are intentionally delaying. They had no problem processing the {$9.00} monthly membership from my account and yet they cant process the payment of {$250.00} when they are linked to my bank account through XXXX and debit card? Please help. Thank you
Consumer complaint received 2024-06-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc. (CA)

SELF FINANCIAL LEAD- ACCOUNT # XXXX I am writing to inform you that there is inaccurate information being reported on my consumer report, which is a violation of the Fair Credit Reporting Act ( FCRA ). As per FCRA regulations, it is mandatory for you to report accurate information to credit reporting agencies. 

I am hereby formally notifying you of my demand for arbitration in accordance with my rights under the FCRA. You are granted XXXX  days to rectify and remove the inaccurate information from my report. Failure to satisfactorily address this matter within the stipulated timeframe will compel me to proceed with arbitration. 

Under the FCRA, your company may be liable for fees associated with arbitration, including up to {$2000.00} for the arbitrators fees, in addition to damages resulting from willful neglect and non-compliance, as outlined in 15 USC 1681n. 

This communication serves as my final attempt to resolve this matter amicably before pursuing formal arbitration proceedings. 

I will present my factual evidence in arbitration that proves that this account is being reported inaccurately, inconsistently, incomplete, and deviates from the standard regulations of FCRA or you can remove the account and save time and money.
Consumer complaint received 2024-06-15
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (IL)

comenity bank it stating I owe them money. I Do not owe, tried disputing amount last shown as I have a receipt for a return with tracking number. Merchant received the return over XXXX  months ago and never refunded.
Consumer complaint received 2024-06-14
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: TrueAccord Corp. (AL)

Subject : Request for Immediate Reporting of Payments and Addressing Reporting Discrepancies Dear True AccordXXXX, I hope this message finds you well. I am writing to express my concern regarding the current reporting practices of my account. Specifically, I have observed a disparity in the timeliness of reporting payments to credit bureaus. 

It has come to my attention that payments, especially those made to bring my account current, are not being reported promptly to you or to the credit bureaus. In contrast, delinquencies are reported immediately. This inconsistency is unfair and detrimental to my credit standing. 

I request that all payments, including those made to bring my account current, be reported to the credit bureaus immediately upon receipt. Accurate and timely reporting is crucial to ensure a fair reflection of my creditworthiness. I demand that True Accord report to XXXX a paid in full balance as where XXXX can report to all 3 credit bureaus updated status. 

Thank you for your prompt attention to this matter. I look forward to your immediate action to rectify this issue. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-06-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Synovus Bank (TX)

In XXXX of XXXX ( last month ), XXXX reported an incorrect late payment and or missed payment on an account that was closed and paid in full. In other words they reported a false late payment on an account that had no balance and with a closed status. 
The account was from First Progress Credit cards. The last activity that was reported by First progress was in XX/XX/XXXX. There should be no other activity on the account.
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CL Holdings LLC (AL)

I am writing to complaint to JEFFERSON CAPITAL SYST 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 number related with this complaint is XXXX .I 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.
Consumer complaint received 2024-06-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (MA)

I had a checking account with chime. I used it it to pay almost everything and also used it for direct deposit and to check deposits from my tips as I am a newspaper delivery person. It was convenient as my sleep schedule was different from normal people for delivery of papers. One day I couldn't put my checks in from my tips into my account by phone. I went crazy as I depended on this tips to provide a place to sleep at night. I was homeless at the time and living in hotel with my four children.

I tried multiple times to contact them. All I get is that they have the right to close the account and something about being a hazard or something to that effect. But I did nothing wrong. And now, I can't use any mobile cash checking because they all use the same company. It's unfair
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc (AL)

Subject : Request for Immediate Reporting of Payments and Addressing Reporting Discrepancies Dear Affirm, I hope this message finds you well. I am writing to express my concern regarding the current reporting practices of my account. Specifically, I have observed a disparity in the timeliness of reporting payments to credit bureaus. 

It has come to my attention that payments, especially those made to bring my account current, are not being reported promptly, specifically payments paid on XX/XX/XXXX, XX/XX/XXXX & XXXX, XXXX. In contrast, delinquencies are reported immediately. This inconsistency is unfair and detrimental to my credit standing. 

I request that all payments, including those made to bring my account current, be reported to the credit bureaus immediately upon receipt. Accurate and timely reporting is crucial to ensure a fair reflection of my creditworthiness. I am requesting that you report all current payments to all XXXX credit bureaus immediately. 

Thank you for your prompt attention to this matter. I look forward to your immediate action to rectify this issue. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2018-05-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (MA)

In XX/XX/XXXX, I discovered that this account was being reported on my credit reports. I notified the credit bureaus that I had no knowledge of this account as it did not belong to me. The bureaus responded that this account was verified. However, upon request to provide physical proof how account was verified I have received no response as of date. Direct request to validate the debt was also mailed certified mail on XX/XX/2018, as of date the company has failed to respond to my request to validate debt and continues to report inaccurate information.
Consumer complaint received 2024-06-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Payfare International Inc. (TX)

On XX/XX/year>. I filed a dispute with Dasher Direct for unauthorized transactions because i lost my mobile device recently. I provided a police report with case number to prove the incident was real. Once i saw the unauthorized transactions, i contacted the merchant because i used the merchant in the past but only a few times. The merchant was able to give me the email and phone number of the account which initiated those unauthorized transactions. I told the merchant that was not my email abd phone number. I asked them to reverse the money but they told me to contact card issuer. Then i called Dasher Direct support to file dispute. I submitted a wrtitten request by email like they told me to. A few hours later, i got the reply from Dasher Direct special investigation team saying that they declined the claim because i did not take good care of my device. I asked them how did they come up with that assumption and i requested an explanation in details included the documents they use for the investigation. They ignored my request and not answer to any of my email. I called in Dasher customer support, they put me on hold for a long time then transferred me around and said the decision is final. Until now theres no reply from them at all. DasherDirect canceled my cards and i still did not receive my new card. 
The lost money in the dispute were my hard earned money and saving put together that i save up to fix my car which is more than XXXX miles and it had all the engine lights pop up. Dasher Direct not only did not do any investigation but also took away my rights of request an detail explainations the investigation decision. I sent emails and calls multiple times a day since XXXX till now. No one bother to answer my question. I asked to talk to Dasher Direct manager and they told me manager will never be available instantly. I have to fill out request they manager will call me later. It has been more than XXXX weeks and they dont care to call me, no even XXXX time. 
I enclosed the pictures of the conversation between me and Dasher investigation team. They reply me 2 times and the rest they just resend me the same message i sent them like this is a joke to them.
Consumer complaint received 2024-06-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: AMERICAN EXPRESS COMPANY (TX)

XXXX Texas Police Report REPORT NUMBER : XXXX I, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Texas XXXX. A non-resident staying At XXXX XXXX XXXX XXXX by XXXX XXXX in the City of XXXX XXXX XXXX of XXXX, State of Texas, being duly sworn, do hereby depose and state as follows : ** On Thursday, XX/XX/XXXX, between the approximate hours of XXXX XXXX  and XXXX XXXX, my vehicle, a XXXX XXXX XXXX XXXX XXXX was XXXX while parked at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas. 

The vehicle was not stolen, but upon returning to it, I discovered evidence of a break-in, including : A scratch approximately one inch long on the car 's body, damaging the paint down to the base coat. Right door Evidence of tampering with the infotainment system, resulting in malfunctioning controls and Wi-Fi connectivity issues. 
Damage to the audio stereo system, suggesting an attempted theft. 
A non-functioning XXXX anti-theft system. 
The following items were stolen from the vehicle : Passport wallet with passport/card XXXX XXXX XX/XX/XXXX Retired XXXX XXXX XXXX ID Texas driver 's license Vehicle registration XXXX XXXX XXXX ATM XXXX American Express cardXXXX XXXXXXXX documents Gold and diamond pendant and chain I am aware that there are no security cameras in the hotel parking lot and that homeless people are known to trespass on the property at night. Unfortunately, there are no known witnesses to the burglary. The hotel has signs not respite for theft. 

I have attached photographs of the damage to my car as evidence. I reported the information to the hotel front desk XXXX XXXX and XXXX XXXX. Unfortunately theres no security patrol or cameras. 

Shortly after discovering the burglary, at approximately XXXX on XX/XX/XXXX I was contacted by American Express regarding XXXX unauthorized transactions on my account : a {$1.00} Cash App transaction and a separate {$200.00} XXXX XXXX transaction, both occurring at approximately XXXX XXXX. 

I have attempted to report this incident online through the XXXX Police Department portal on XXXX separate occasions, but the portal appears to be malfunctioning. 

XXXX, XXXX, XXXX XXXX XXXX request that law enforcement investigate this matter to the fullest extent possible and apprehend the person ( s ) responsible for this crime. 

I understand that the penalty for making a false statement in an affidavit is a Class A misdemeanor, punishable by a fine of up to {$4000.00} and/or confinement in jail for up to XXXX year. 

I certify this statement to be true and correct. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX