davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-15
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 reviewed my checking account recently and saw that unauthorized charges for {$490.00} have been occurring for 12 months from my Wells Fargo Checking account, amounting to {$5800.00} total. The first charge started on XX/XX/2022 and occurred monthly after that. The charges show up on my bank statements as " XXXX XXXX XXXX XXXX ''. I don't have any accounts with XXXX XXXX and when I brought it up with the XXXX Help line, they confirmed there were no accounts in my name and said they may have facilitated the transaction, but there was nothing they could do from their end and to bring it up with Wells Fargo. When I brought it up to Wells Fargo on XX/XX/XXXX, they said they would investigate and provide me a resolution in 10 days over email. On XX/XX/XXXX they sent a letter saying they were able to recover one of the payments and reimbursed my account {$490.00}, but the rest of the payments were " correctly charged to my account '' and as a result they can not reimburse the outstanding {$5400.00}.
Consumer complaint received 2024-04-10
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)

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 Acct # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX  XXXX Acct # XXXX XXXX  XXXX Acct # XXXX XXXX XXXX XXXX  Acct # XXXX XXXX XXXX  Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct XXXX XXXX XXXX Bank XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX  Acct XXXX XXXX XXXX 's Acct # XXXX XXXX XXXX  Acct # XXXX XXXX Acct # XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX Act # XXXX XXXX XXXX XXXX Acct # XXXX 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.

15 U.S.C. 1681 section 602A, A. States that I have the right to privacy.

15 U.S.C. 1681, Section 604A, Section 2 : It also states that 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 the records of convictions of crimes which antedates the report by more than seven years.
Consumer complaint received 2024-04-10
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: EQUIFAX, INC. (FL)

I looked at my credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act, Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 


I would like to request a detailed description of the verification or modification process for each account listed below : XXXXXXXX XXXX Account Number XXXX Credit Limit : {$7100.00} Date Opened : XX/XX/XXXX Description of Verification/Modification : XXXXXXXX XXXX Account Number XXXXXXXX LOAN AMOUNT {$49000.00} Date Opened : XX/XX/XXXX Description of Verification/Modification : I am exercising my rights under the Fair Credit Reporting Act to ensure the maximum possible accuracy of the information on my credit report. As such, I kindly request that you provide me with a thorough explanation of the actions taken regarding the mentioned accounts. 


Please look into this matter provide the requested information at your earliest convenience. 


Awaiting your prompt response.
Consumer complaint received 2024-04-10
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. (CA)

I am not liable for any debt with XXXX XXXX nor do I have a contract with them and they did not provide me with any signed agreement between us this was investigated by XXXX, and XXXX, Resulting in the Deletion of this item from my credit file. Yey Equifax could NOT have investigated, the disputes were submitted the same day for all 3 reporting companies
Consumer complaint received 2024-03-06
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: PNC Bank N.A. (OH)

Pnc bank is denying a lime of credit including saying I have no income I direct deposit XXXX a month. In to there bank. 
Asked them review then they said credit score was to lowe that changed the score report. The second time they said to meny accounts. The third time they said I have insufficient credit experience as of XXXX. 
I'm being discriminated against. I have a mortgage as a veteran XXXXXXXX XXXX And XXXX line of credit. Pnc is only allowing XXXX. 
They called me and told me to put some my money in a savings account later I did still no increase. They call my home leveing no message. When I do ask for increase my score drops some XXXX to XXXX points sometimes more They save received direct deposit from XXXX XXXXVA for XXXXXXXX years I've moved my social security to XXXX XXXX XXXX
Consumer complaint received 2024-05-30
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)

THIS IS A NOTICE OF DISPUTE. RECENTLY I LOOKED AT A COPY OF MY CREDIT REPORT AND NOTICED SEVERAL INACCURACIES. THIS ACCOUNT IS HURTING MY ABILITY TO OBTAIN CREDIT. IT IS MY UNDERSTANDING THAT YOU WILL INVESTIGATE THIS ACCOUNT TO ENSURE ACCURACY. 

XXXX  XXXX
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bridgecrest Acceptance Corporation (SC)

I have asked XXXX XXXX, XXXX XXXX and Bridgecrest multiple times to remove my nonpublic personal auto account from the third parties ( XXXX, XXXX and XXXX ) because they didnt give me the option to opt out of their opt out disclosures and they refused. 

I have recently read the GRAMM-LEACH-BLILEY ACT under the Federal Trade Commission and they are failing to comply with the law. 

The GRAMM-LEACH-BLILEY ACT requires financial institutions companies that offer consumers financial products or services like loans, financial or investment advice, or insurance to explain their information-sharing practices to their customers and to safeguard sensitive data. 

The Gramm-Leach-Bliley Act seeks to protect consumer financial privacy. Its provisions limit when a " financial institution '' may disclose a consumer 's " nonpublic personal information '' to nonaffiliated third parties. The law covers a broad range of financial institutions, including many companies not traditionally considered to be financial institutions because they engage in certain " financial activities. '' Financial institutions must notify their customers about their information-sharing practices and tell consumers of their right to " opt-out '' if they don't want their information shared with certain nonaffiliated third parties. In addition, any entity that receives consumer financial information from a financial institution may be restricted in its reuse and redisclosure of that information. 


XXXX XXXX, XXXX consumer and Bridgecrest has failed to disclose this information to me and knowingly and willfully withheld pertinent information regarding the disclosure of my information to affiliated and non-affiliated third parties, XXXX XXXX XXXX, XXXX and Bridgecrest knowingly, and willfully withheld information that explains how I the consumer can exercise that nondisclosure option. 

My account should be removed immediately!
Consumer complaint received 2023-11-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (NC)

Since the end of XX/XX/2023, my wife and I have attempted to contact Nelnet numerous times, with their hours changing without notice from what was advertised, regarding the payments for our student loans. We can not afford the payments that Nelnet is attempting to collect and we were under the impression that any IDR plans or applications would be transferred to Nelnet from Great Lakes. Today, XXXX XXXX, XXXX, we got someone on the phone after being on hold for XXXX hours, got through, and were placed on hold for over half an hour thus far with no additional communication. You can look at an umpteenth amount of posts from borrowers spanning from XXXX to XXXX that have been trying to get payments settled in vain. We have a child that we are expecting in the coming months and Nelnet 's lack of transparency, communication, and downright thievery of government funds has caused undue stress on our growing family.
Consumer complaint received 2023-11-13
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kimball, Tirey & St. John LLP (CA)

Around XXXX  I went to court on behalf of a friend who was incarcerated while getting an evicted out of their apartment. Ever since I went to court on his behalf, and helped him when his case, this credit for XXXX is on my credit report. 

I have contacted the lawyers handling this case many different times, and they have not agreed to dispute it. I have attempted to reach out because it is not my personal debt and they refuse to acknowledge that its not my debt. 

The account is over XXXX XXXX XXXX and the creditor just re added to my credit report the beginning of this year so I can effect my account for another XXXX XXXX
Consumer complaint received 2023-11-13
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Bridgecrest Acceptance Corporation (LA)

I received an email on XX/XX/31 saying today was the last day to make a payment of {$720.00} or I would be reported 30 days late. I made a payment of {$720.00} dollars. On XX/XX/XXXX, I received multiple emails/credit alerts stating that my score dropped XXXX points due to Bridgecrest reporting me as 30 days late. 

I called several times to inquire and each representative told me something different. While I know that I am behind and I am working on that, I was paying on my account monthly ( I asked for a forbearance months ago and was denied even though I was in good standing ). I told them they must have a glitch cause one representative told me I paid on XX/XX/XXXX. Another rep told me I paid XX/XX/XXXX. Another rep told me I am 32 days late. She also told me that I needed to send an email for them to remove the late payment. 

I sent that email this morning and this afternoon, I received an email from XXXX informing me to call in to get an update from my account. The first rep said my account was closed. I informed her it wasn't and explained the above information to her. She transferred me to another rep who initially said I was 32 days late. Then, after repeatedly putting me on hold, he said " You never should of gotten an email that said if you pay you won't be reported to the credit bureaus because you're 80 days late ''. This was news to me and sounds like false advertising. I proceeded to ask since he implied this was a mistake to be communicated that way, can he honor my request to remove this late payment. He said no. 

I have been dealing with little to no response or misinformation and deception from Bridgecrest. I even emailed the CEO and Customer Service to not hear back from the CEO and to get the runaround again with customer service.
Consumer complaint received 2023-08-02
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: BANKERS HEALTHCARE GROUP LLC (TX)

A loan modification was requested due to an illness and a decrease in income due to COVID. 
The company denied the request and after a third party collections agency got invoked the loan was double with a negative amortization schedule causing the loan to be double than the current balance. 

I declined the modification and a reconsideration was submitted a counteroffer was done by BHG for more than the current price of my loan.
Consumer complaint received 2023-11-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (MD)

In XXXX a request for validation was sent to nelnet. I have no contact with this lender and they have been unable to validate an agreement. Secondly, a bill was sent to my consumer residence in which a response was sent via certified mail in within a 15 day period. Without proof of obligation, an attempt to discharge debt with negotiable instrument has been was denied for the month of XXXX A second payment was sent for XXXX. A response is awaiting but the attached letter was received thereafter. The denial for an acceptable payment is a violation of 31 CFR 328.5.
Consumer complaint received 2023-11-13
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Confusing or missing disclosures — 
Company: Shellpoint Partners, LLC (VA)

I requested today by phone a payment history report for the life of my loan they stated ( bankruptcy department ) from shellpoint that due to my bankruptcy they are unable to give me any of this information?? I asked them to send it to my attorney they said they were not allowed this information as well NO ONE is allowed this information they told me. They told me my lawyer can call their lawyer and they will tell them the same thing no access to this information is allowed! I contacted my attorney in an email of this situation as well how can they deny me this information as well as my attorney? I feel this is required of them and if it is required why did they deny it and I feel if it it is required than they should be held accountable for their actions I have had nothing but aggravation faculae information and more from this company I am mad frustrated and stressed on how they conduct business I would like for you to address this being I am unable to speak to anyone at shellpoint in regards to this matter thank you
Consumer complaint received 2023-11-13
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Reliable Credit Association, Inc. (WA)

On XX/XX/XXXX I went to XXXX XXXX XXXX XXXX XXXX to purchase a XXXX XXXX XXXX XXXX XXXX XXXX stock # XXXX XXXX XXXX, I filed out the XXXX paperwork to get the credit to purchase the XXXX. XXXX XXXX XXXX XXXX XXXX gave Reliable Credit Association Inc, XXXX XXXX Bank, and XXXX XXXXXXXX XXXX XXXX my personal information without my consent after XXXX XXXX XXXX XXXX XXXX denied me credit. I am aware of my open-end credit plan which is my right to contract unlimited without being denied persuant to XXXX XXXX of XX/XX/XXXX and XXXX law 73-10. I overstand Under the Truth in Lending Act Title 15 usc subsection 1602 ( f ), ( g ), ( l ), ( n ), ( p ), 1605 ( a ), Fair Credit Reporting Act 15 subsection 1681 ( a ), and Equal Credit Opportunity Act 1691 ( a ), ( XXXX ) that I, XXXX XXXX XXXX a XXXX Man has been denied and/or discriminated against by XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX BANK because these banks/companies violated the above referenced consumer protection laws by not extending me my credit unlimited, in which I extended to them.
Consumer complaint received 2023-11-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (CO)

I have sent over 10 emails after my request to change my repayment plan was denied for re-evaluation in the next 13 months. I can't afford my payment and I don't understand where they are getting their numbers from. 

I have sent emails and waited on hold for over 3 hours weekly in an attempt to speak with someone and I can't get a reply. 

They told my my payment would be less than {$200.00} if I added a checking account to the auto pay plan and then they over-drafted my account $ XXXX when the first bill was due. 

I had to go through my bank to get the money back just to afford basic food and bills for the rest of the month. 

Very shady that I can not get in contact with anyone there. Not a reputable company and I will not be making a payment until someone corrects this. 

I will continue to email daily until they reply.
Consumer complaint received 2023-11-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (CT)

I was wrongly billed XXXX by the XXXX XXXXI sent them a dispute via XXXX support and they sent an email stating they double charged me and apologized and offered me a refund XXXXXXXX. I never received the funds I filed a dispute with Chime. Chime denied the dispute and left the charges as is. I then sent Chime the email that the XXXX sent me stating they would issue the refund of XXXX and the dispute was reopened. The day after Chime received the verification of the intention of XXXX to refund me they closed the dispute again and failed to do their due diligence investigating the matter. I have given them numerous calls to review this issue with no funds refunded to me by the XXXX or Chime.
Consumer complaint received 2023-11-13
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: ENOVA INTERNATIONAL, INC. (MS)

On XX/XX/XXXX, I applied to Cashnet USA for a loan after they solicited me through the mail. The loan was approved for XXXX and was deposited to my bank account on XX/XX/2023. The payment schedule is for XXXX beginning XX/XX/2023. 
This schedule was available for my viewing after I signed the contract. Once I noticed the first payment due date, I called and spoke to a representative to say the loan was only received into my bank account of XX/XX/2023 and that XXXX payment should not be for that amount because it would not have been for a full month and that it would have been only twelve ( 12 days ) in the month. The representative did change the date from XX/XX/2023 to XX/XX/2023. On XX/XX/2023 I checked my bank account and they had submitted two ( 2 ) separate debits for XXXX each which caused my account to be overdrawn. I assumed when the representative said she would be changing the due date, it would be only one ( 1 ) withdrawal for that amount. I called them on XX/XX/2023 to complain about the double dipping and didn't get any solution. The rep stated that I should have read the schedule which I did and called them right after I saw the initial schedule. I asked her how could they charge me for an entire month for XXXX the same as all other months but she kept giving me excuses one of which they extended the date and I tried to tell her the representative did not explain there would be two payments coming out on XX/XX/XXXX. I would like to get help with that XXXX payment and have that money refunded and this is why I writing to you.
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc. (FL)

According to FCRA and US Codes, Congress passed a law with FCRA, allowing permanent removal of any collection older than 2 years, and affecting your credit score. This includes student loans, late payments, credit cards, and so on. My student loan ( s ) were placed on my credit profile without my consent, and a violation of privacy rights. In truth, it has affected me in numerous ways with extra deposits, higher interests, and additional costs. Enduring these results has taken a great impact on living expenses.
Consumer complaint received 2024-01-25
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Capital One closed 2 of my credit cards without cause. I sent Capital One a negotiable instrument for presentation to the Treasury. Not only they didnt accept my instructions and instrument, they closed both of my accounts. Per their credit card agreement, they may accept this is a form of payment without losing any of their rights. They have violated their SEC prospectus and their credit card agreement. From what I hear, Im not the only one they have done this too. This matter needs to be investigated.
Consumer complaint received 2023-11-13
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (CA)

In XXXX I went to XXXX with my XXXX XXXX troop. We arrived on XX/XX/XXXX and left on XXXX on XXXX. On XX/XX/XXXX my troop was on a tour of the island. The tour guide told us to leave our bags on van since there was a high rate of theft on the beach we would be swimming with turtles. This was the only time my bag was not in my possesion. I believe during this time a couple of my XXXX  XXXX XXXX XXXX, my debit card and my Home Depot card were copied by the tour guide. After I got back home I saw charges on my XXXX XXXX XXXX  XXXX  and bank card ( these have been reversed by those institutions ) and then, in XXXX, I received a bill showing that someone had used my Home Depot card to purchase {$5700.00} in merchandise, mainly generators and electrical eqiopment, it also showed a credit for these charges. The P.O. has a name of a person not on my account. I do not own any property on XXXX nor did I give anyone permission to use my account. I called Home Depot and was told their system was down and that I could not make a report at that time. The next week I received a new card and since the statement had shown a credit on my account against the charges I thoght the fraud had been caught and corrected. Later, in XXXX, I received a call from a business in XXXX letting me know that their business account had been used to pay the fraudulant charges. During that conversation the employee there and I discussed a number of fraudulant transactions that had occurred to both of us during that time period. she shared that hotel rooms had been paid for with their business account under the name of the tour guide from my island tour. After speaking with that business I made a report with XXXX P.D. who told me I would have to speak to my local P.D. since the thefts occurred after I left the state. 

I attempted toto make a report to Home Depot/Citibank but their online reporting system asks you to check the transaction that was fraudulant. Since the items showed thay were paid for 2 days later it would not let me make a fraud report on them. I had to choose the removal of the payment. all of the above information was included on that report. On XX/XX/XXXX I received a letter telling me that I had not proved fraud, and that I am responsible for all the charges on my account including late fees.