davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (GA)

I am writing to dispute the inquiries on my consumer reports, inquiries conducted on my behalf without explicit permission. I did not authorize any such investigation, and i request immediate deletion and clarification on this matter.
Consumer complaint received 2024-04-11
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. (SC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-11-15
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: TRUIST FINANCIAL CORPORATION (AZ)

Back on XXXX XXXX XXXX XXXX I went in to purchase a car from XXXX XXXX XXXX. This was my first time purchasing a car from a dealership so I didn't fully understand all of my rights as a consumer. l entered into this contract agreement with XXXX XXXX XXXX without first having full disclosure of my right to rescind and secondly without the transparency regarding the process of my consumer credit acting as the financial asset ( 12 CFR 360.6 ( 2 ) ) as well as the self liquidating paper ( 17 CFR 260.11b-6 ) ). I have very much reason to believe that XXXX XXXX XXXX took advantage of me and my consumer credit. I also was under the impression that in order to drive off the lot it was necessary that I put a down payment of {$1500.00} in order to take possesion of my XXXX XXXX XXXX This was false and deceptive information and was a ( violation of 1692e ). Pursuant to ( 15 USC 1605 ) a finance charge is sum of all charges. Furthermore after closing the deal I was then told that I had some changes to my lease agreement and that my monthly payments and interest rates would be less, which I thought was great news. But I was pressured into signing a new lease agreement asap and the only time I could do so before their deadline was while I was at work. They proceeded to send someone to my job and have me sign while I was in the clock. With me being a manager I could not leave the floor for long as I am responsible for the store and was understaffed that day. This event took place on XX/XX/XXXX. I felt extremely pressured to sign this new contract and was not able to read the new terms thoroughly. I also never received a copy of the new contract so my only reference is the original contract I signed at the dealership. Lastly I had to do a welcome call with the lender XXXX XXXX and we kept missing each others calls, one of the agents at the dealership began to get impatient, hostile, and a bit rude with me because I hadnt done the welcome call yet. He evened threatened that they would have to take the car back that day ( XX/XX/XXXX ) if I didnt do it, which at this point I had already gotten off the phone with regional acceptance and completed the call so I found that extremely disrespectful. On XXXX XXXX I reached out to the same agent and let him know that the cars check engine light came on and I never got a response, which again I felt very disrespected and pushed to the side. I have sent a letter of rescission to the dealership on XXXX XXXX XXXX  and I am now waiting for a response. I am extremely disappointed about the violations this company has pulled on me and I would never want anyone to go through the same thing.
Consumer complaint received 2023-11-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (FL)

I made a transfer by mistake to an account that I have never had in the Chase Bank application and that appeared there and very similar to my personal account, my personal account that ends in XXXX and to the account that was sent the amount of {$10000.00} that ends in XXXX and the Chase bank says that it can not recover said amount from the other bank and I have called them on repeated occasions and they only tell me to wait and wait, until today they tell me that they can't do anything and they can't give me No information on where the money went since they deleted the account from their system and they asked me to find a lawyer to recover the money. 
I want to know how I can claim this amount of money since Chase Bank does not want to help me solve this problem and the bank that received ( XXXXXXXX XXXX XXXX ) says that only Chase Bank can recover it. 
This happened on XX/XX/XXXX I sent {$10000.00} from the Chase Bank business account to an account that I do not recognize that was in my bank application in termination # XXXX and the name of the bank is XXXX XXXX XXXX in the name of XXXX XXXX. 

Thank you!
Consumer complaint received 2023-11-15
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: PulteGroup, Inc. (MD)

In XX/XX/2023, during the home buying process, I was in-between picking XXXX XXXX and Pulte Mortgage ( my builder 's lender ) to be my mortgage company. I decided to go with Pulte Mortgage because they were offering discounts to use them. the initial lender estimate I received showed my closing costs just under {$7000.00}, so I decided to go with them and buy down my rate. 

In XX/XX/2023, I received a lender estimate from Pulte Mortgage following the signing of my contract and buying down my rate, that my closing costs would be around {$22000.00}. this included a seller discount/credit of {$28000.00}. this was signed by me on XXXX XXXXXXXX XXXX, and referred to multiple time over the next couple of months. 

I was scheduled to close on the home XX/XX/XXXX, XXXX for the weeks leading up, I repeatedly asked for my closing cost number so I could be prepared, but was continuously told it was not ready yet. 

On XX/XX/2023 around XXXX, I received my final closing costs, which was {$27000.00}. Instead of the {$28000.00} in seller credits, I was only receiving {$13000.00}. I was not able to speak to someone until Monday, XX/XX/XXXX, the day before my closing. When I asked about it, I was told that they " accidentally '' were giving me an additional {$9000.00} discount that they weren't supposed to. The lender estimates I received gave me {$24000.00} in closing cost credit and {$9000.00} off the home price. They claim that the offer I was supposed to receive was {$9000.00} off the home price and up to {$15000.00} in closing costs assistance. I decided to use them as a lender based off the lender estimates they shared with me, which I signed. I was unaware of the offer they claimed, as all I ever saw in writing and what I signed gave me. 

When I argued that I should still receive the discount, they refused to give it to me. I was told I could bring the additional money to closing or add the additional money to the home price or I could not have the home. I did not have the additional money, so I had to add it to the home price. I had to sign a change order to the new home price, and my mortgage and other monthly costs increased about {$50.00}.
Consumer complaint received 2023-11-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (MA)

PayPal canceled my account without any opportunity to appeal. When I called them to inquire why, they wouldn't give me any reason. The person I spoke with vaguely referenced unemployment fraud or unemployment insurance, which made no sense whatsoever, and when I asked for more information and a more complete explanation, he refused to provide it. I've never been accused of unemployment fraud or any type of fraud at all for that matter. PayPal did not provide any opportunity for appeal, simply limiting my account with no option to restore it and not providing any sensible reason for this action. I tried to manage without PayPal for a while, but it is becoming more and more of a problem for my business, as it impacting my ability to collect funds from other businesses I work with who only provide transfers via PayPal. The way they've handled this matter is truly outrageous and unacceptable, especially with a decision that has so seriously limited my ability to make simple financial transactions with other businesses that only use PayPal.
Consumer complaint received 2023-11-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: JPMORGAN CHASE & CO. (MA)

I reached out to Chase who holds our mortgage for our primary residence as we have hit a 79 % LTV and when we applied for this mortgage our mortgage broker told us we can request PMI be removed once we were under the 80 % LTV threshold as long as we were current on payments. Chase said they would send a letter within 5-10 business days with their decision. I believe their response was incorrect and had false information about our loan and they are stalling on removing the PMI as requested. They sent a letter that stated our loan was backed by XXXX XXXX and did not follow certain guidelines and did not fall under the homeowner 's protection act. When I looked this up on the XXXX XXXX lookup tool it did not state our loan was backed by XXXX XXXX, and our closing officer said it was a conventional loan. My concern is that we are being told something that might not be the case and I would like clarity moving forward about whether or not we are due to get our PMI back. I have provided screen shots of what we were told by our loan officer when we first decided to move forward with this loan.
Consumer complaint received 2019-11-08
Product: Credit reporting, credit repair services, 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. (FL)

I did not authorize the following entities to check my credit, again! XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX. Experian says their clients have to remove, their clients say Experian has to remove. Be here done this, not up for the fight!
Consumer complaint received 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Advanced Resolution Services Inc. (FL)

The organization will not respond to letters disputing incorrect information under FCRA Sec XXXX, XXXX, XXXX, XXXX. 

No response was received after XXXX days after the letter was sent.
Consumer complaint received 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: CBC Companies, Inc. (FL)

The organization will not respond to letters disputing incorrect information under FCRA Sec 605, 609, 611, 623. 

No response was received after XXXX days after the letter was sent.
Consumer complaint received 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (TX)

I contacted DeptOfEd/NelNet ( Nelnet directly ) and asked them to correct information reporting on XXXX report . Report states I was late in XX/XX/XXXX. However, Nelnet has not been the account holder in XXXX. How can they report a single late payment for XX/XX/XXXX? 

Additionally - government mandates during XXXX prevented ANY late payments from reporting between XXXX for eligible student loans. My loans were eligible. 

Account was closed due to transfer. Balance is at {$0.00}
Consumer complaint received 2024-01-05
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (CT)

I have received an Amex Gift Card from my employer as a holiday gift with {$200.00} loaded on it I am unable to use this gift card anywhere online or in-store with payments being declined. 

I have tried calling the customer service phone number multiple times but the call never completes with endless wait time.
Consumer complaint received 2023-11-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (NC)

On XX/XX/2023, I received an email from someone who identified themselves as XXXX customer service claiming that there was an unauthorized transaction on my account. I called the number and they confirmed that they were XXXX and used a 3rd party server to access my bank accounts in order to " reverse this transaction ''. 

They had me transfer money via Zelle and XXXX. The amount with Zelle was {$990.00} and also {$10.00}. The amount with XXXX was {$590.00}. 

I immediately notified my bank XXXX XXXX and they attempted to get this money back but it has been refused. 

This clearly falls under the new guidelines under the Electronic Fund Transfer Act Imposter Scam.
Consumer complaint received 2023-11-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (NJ)

This bank is being run by donkeys The stole {$300.00} from my account This is the transaction from my checking account ending in XXXX XX/XX/XXXX Telephone transfer to XXXX XXXX XXXX. debit - {$300.00} I never called them on XX/XX/XXXX and this stupid transaction says the transfer was done from the same account to the same account which does not even make any sense. 

The worst part is the idiots that are employed by this garbage bank. I have wasted 3 hours with these donkeys, they keep transferring me from customer service to claims to online claims and back to customer service. I hope all these idiots die of XXXX XXXX.
Consumer complaint received 2023-10-04
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)

I submitted a letter to the Credit Bureaus to delete these suspicious items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

XXXXXXXX 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 2023-11-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (GA)

HARASSMENT BY THE WELLS FARGO ASSOCIATE PERSONAL BANKER NAME : XXXX XXXX, XXXX ID : XXXX XXXX  XXXX XXXX XXXX XXXX Explanation of the incident : I went to the wells Fargo bank  XXXX XXXXXXXX XXXX  to withdrew {$8000.00}. Bank teller ( cashier ) verified and gave me the money. I asked the teller that I want to count the money. And she told me to go to this room and count your money. I said thank you I went to the room to start counting the money and I heard someone knocking the door, I stop counting and open the door. The guy name XXXX XXXX is telling me I can not count the money in here. I said why? and where I can go and count the money? He said go to your car and count the money. I said no I have to count my money inside of the bank and I will leave. He was shouting with me in front of the other customer. He was harassed me in front of the other customer. I was insulted by him. Counting money is not a crime and his attitude was telling in front of the other people I am a criminal. I want the authority needs to take an action against of him. He damaged me by harassing me in front of the public. I need a legal action about him.
Consumer complaint received 2023-11-15
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: DISCOVER BANK (TN)

On XX/XX/XXXX, I scheduled a procedure and paid in full. On XX/XX/XXXX, The XXXX center informed they could not perform my procedure for medical issues ( XXXX XXXX ), and to request a refund in the portal/ I spoke with them advising them that they may have misread my results, but I would request refund, per their instruction. On XX/XX/XXXX ( immediately in their system ), they denied my request, although they informed me to request the refund. I contacted Discover informing them of the incident requesting to reverse the charge as services were not rendered. Discovered denied my request indicating the procedure was cancelled within 30 days, which was false. My procedure was shceduled on XX/XX/XXXX, I requested the refund on XX/XX/XXXX per their request. In good faith, I tried working with the company and rescheduled the procedure for XX/XX/XXXX. On XX/XX/XXXX I called to verify I was clear for XXXX before I flew to FL and was told yes, all prerequisites were met. On XX/XX/XXXX, I arrived in Florida on XX/XX/XXXX, did the pre-op visit on XX/XX/XXXX and arrived on XX/XX/XXXX for the procedure. On XX/XX/XXXX, I was told that no surgeon could/would perform my procedure due to XXXX XXXX found in XXXX  ( XXXX  issues ), and to again request a refund, which I did while I was in their office. On XX/XX/XXXX, they again denied my refund immediatley in their portal. Note : This is after I paid for flights, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I was laughed at by the staff who told me no way I was getting my money back, although they could not medically perform the procedure. They told me that Discover was on their side although I followed all their procedure. I called multiple times and kept getting hung up on ( calls recorded, emails sent and text messages available as proof of all attempts ).
Consumer complaint received 2023-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IN)

I have contacted this collection agency numerous times asking for copies of my original contract/purchase agreement because I have never signed up with them nor given permission to them to open an account in my name.
Consumer complaint received 2023-11-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: ALLIANT CREDIT UNION (CT)

I am an Alliant Credit Union customer and XXXX looking for clarity on a matter that Ive tried to resolve with Alliant Credit Union and XXXX Bank without any success. On XX/XX/XXXX an ACH wire transaction was initiated to have money sent to XXXX Bank from Alliant Credit Union. This transaction was initiated from XXXX Bank online banking account. After a test confirmation that was successful, the money was dispersed from my Alliant Credit union account on XX/XX/XXXX but never got to citizens account. About XXXX weeks without seeing the funds in XXXX, Ive called XXXX numerous times without any results. I was told I would have to go to Alliant for them to file a claim to retrieve the funds. For more than a month now I have been in communication with both banks with no solution to where the money is. Citizens claim is that the money never arrived and since they are not the sending financial institutethey are unable to reverse the transaction. I have filed multiple dispute with Alliant Credit union to retrieve the moneytheir response is we have released the money and there is no way of retrieving the money. I have physically been to citizen branch who helped to communicate to Alliant that in fact they are able to clearly see that the funds was an XXXX wired transaction that left Alliant account but looking at the citizens account the funds never arrived in their system. 

I am a new business owner. That money was to be used to buy the things that I needed for the business. There are expenses pending and charges that are due, however I am unable to get the products to get my business going. Clients that I am unable to attend to due to this hold up. The business is greatly impacted by this. I am puzzled to how can a bank misplaced {$3900.00} and unable to retrieve it? How Alliant Credit Union can misplace the fund and unable to retrieve it? 

I am at lost on where to turn to next. No one seems willing to get this resolved. I would like to think that Alliant is a trusted finance company that I can entrust my funds in ; however the recent transactions are causing a distrust in the mishandling and inability for them to correct this grave error. Is there any guidance to how I can quickly resolve this issue with Alliant Credit Union? Is there a regulatory board that I can go through to see the mishandling of my funds?
Consumer complaint received 2024-04-11
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. (SC)

This is to follow up regarding the late open accounts listed on my credit report. I am seeking assistance in correcting these inaccuracies promptly. 

I have previously attempted to address these discrepancies with the relevant creditors and credit reporting agencies, providing documentation and evidence to support my claims. However, despite my efforts, these late open accounts persist on my credit report. 

This situation has caused significant stress and hardship, as it affects my ability to achieve my financial goals and secure important financial opportunities. Therefore, I am seeking the intervention to ensure the prompt correction of these inaccuracies. 

Upon reviewing my credit report, I discovered several late open accounts that do not accurately reflect my financial history. These inaccuracies are causing harm to my credit score and financial reputation, hindering my ability to access credit and obtain favorable terms on loans and other financial products. With this, I am asking for your assistance to correct these accounts in my credit file : XXXX XXXX XXXX XXXXXXXX Balance Owed : {$200.00} ; XXXX  XXXX Balance Owed : {$4200.00} ; XXXX XXXX Balance Owed : {$3200.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$920.00}.