davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I sent a letter on XX/XX/XXXX, to remove some items that are UNKNOWN to me. 
these items are erroneous and misleading and must be investigated again. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX Balance : {$3500.00} XXXXXXXX XXXX XXXXXXXX Balance : {$6100.00XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$2400.00} XXXX XXXX Balance : {$300.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1200.00} XXXXXXXX XXXX XXXX XXXX Balance : {$3600.00} XXXX XXXX XXXX XXXX Balance : {$5500.00} XXXX XXXX XXXX XXXX XXXX : {$7700.00} XXXX XXXX Balance : {$1900.00} MEDICAL XXXX Balance : {$150.00} XXXX XXXX Balance : {$430.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$7700.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$7700.00}
Consumer complaint received 2023-03-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (NY)

I found multiple unauthorized transactions on my Wells Fargo bank account, I reached out to the bank immediately to have this resolved. Instead of having these resolved. They denied my disputes and closed my account and now I am not able to open a new account with them. Because of this I am missing over {$6000.00} and have not been able to recover these funds or open a new back account with them.
Consumer complaint received 2024-05-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (PA)

On XXXX I filed a dispute for XXXX transactions on my XXXX account that were unauthorized! My phone and purse were taken from my locker on XXXX while I was working a double shift. I provided XXXX with screenshots showing that my phone was in fact stolen and the claims that were filed with XXXX and how they were approved by assurant. XXXX of the XXXX transactions were person to person transactions, none of which I had approved. The XXXX transaction that I disputed was a money transfer to a debit card that doesnt belong to me draining my entire XXXX account. That transfer was a total of over {$4400.00}! I explained in the comment section what had happened and provided them with a letter of dispute as well. Exactly XXXX minutes after I filed the dispute I went to make sure I filed it correctly and the dispute was denied and closed. XXXX provide you with a screenshot as well. When I called customer service, the guy told me that he was going to reopen the dispute because even he believed it had been closed pre maturely and there was absolutely no way the dispute team with XXXX even looked into my claim because if they had they wouldve noticed right off the bat that the IP address that was used when the transactions were made- was flagged as suspicious and no money shouldve been allowed to be moved until the account was then verified- which it couldnt have been because I didnt have my phone! Ive looked several times since that phone call to see if the dispute was reopened and still XXXX hours later its still showing closed in my end!
Consumer complaint received 2018-08-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Pressler & Pressler, LLP (NJ)

About a year ago I was paying off old debts and Pressler and Pressler had 1 of my debts. I called them to pay off one of the debts which I had known about. While talking to them they notified me of another debt that they had of mine. I told them I never opened that account and I never made any purchases with said account. They asked me if i wanted to dispute it and I said I did. Then they told me I would need an affidavit of fraud and a police report in order to do so. In the last year i havent gotten around to doing the affidavit of fraud or police report.

2 Weeks ago I had a levy of {$830.00} placed on my savings account. It was done so by Pressler & Pressler for XXXX XXXX XXXXl. The address they provided to the court was XXXX XXXX XXXX XXXX, NJ. I havent lived at this address in over 12 years and they had my current correct address on file bc I paid a debt just a year ago for XXXX XXXX  for {$320.00}. Since I wasnt recieving any letters from the courts or law offices I wasnt able to answer them so they were able to get a judgment on me.
Consumer complaint received 2024-01-12
Product: Credit card — Store credit card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Being prejudice judging me off, data collected from other credit, reporting agencies, 15 USC 6802, 15 USC 6803, 15 USC 6804 and 6805. Title 15 subsection title 1611 faults, misleading denial of my own credit violation of my consumer rights
Consumer complaint received 2024-04-30
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BMO Bank, N.A. (WI)

Between XXXX XX/XX/year> and XXXX XX/XX/year>, I fell victim to multi-layered scam operations run by XXXX XXXX XXXX ) which involved me making deposits for a total amount of XXXX USD from my BMO account to fraudulent investment firm
Consumer complaint received 2023-09-29
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: Experian Information Solutions Inc. (CT)

XXXX XXXX XXXX XXXX XXXX has failed to get back to me within a 30 reponse time, and did not remove the inaccurate item. in addition this company did their investigation and did not report any findings. just deemed as verified. which is impossible becausw ] e those files not correct and can not be verified. his has been on going for the past 6 months. IN Addition this company has been reporting a account that has been closed. another violation. I'm adding proof XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-30
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Bread Financial Holdings, Inc. (TX)

I was denied my credit 2X by Comenity Bank on XX/XX/XXXX and XX/XX/XXXX. Pursuant to 15USC 1697, it is illegal to be denied my own credit. 

Comenity Bank never sent my denied credit application back to me and they have and continue to accept securities on both account applications that they denied me, which is securities fraud.
Consumer complaint received 2024-04-30
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Interest rate
Company: PENTAGON FEDERAL CREDIT UNION (TX)

My Husband and I applied for a Home Equity loan with PenFed CU in the latter part of XXXX or early XX/XX/XXXX. We were told that the loan would be a HELOC. We were not familiar with this type of loan. I do remember stating we wanted a traditional Home Equity Loan with or without a cash out option. We were never made aware that there was a provision that prohibited us from securing a HELOC. We were told we would have to wait one full year before applying for a refinance with the cash out option. 
We understood the interest rate would be the prime rate at that time and we could lock in at that rate or later. Also, we would have incurred an additional 3 % interest rate at the point we locked in the rate. As the prime rate continued to rise we waited hoping it would decline. But that never happened. On many occasions I contacted PenFed to check the interest rates. We have endured an extreme financial hardship after obtaining the HELOC. We have submitted several applications with different lenders to obtain a refinance of our Home Equity. But, were denied. Even the application we submitted to PenFed was denied due to our debt to income status. PenFed of all the lenders should have refinanced the HELOC as a second lien home equity loan or refinanced our first mortgage with the HELOC to relieve us of this hardship. We later learned and understood the 50 ( a ) 6 provision restricts Texas residents from securing a HELOC. But, for some apparent reason we were able to obtain a HELOC. I dont understand how this atrocity could have happened. My Husband and I did not withhold any information nor did we defraud the lender to obtain the loan. PenFed should be liable to make us whole or reach a compromise settlement to correct their error/wrong and we should be compensated for the interest we paid since the loan was secured. 

XX/XX/XXXX - Also sent an email to XXXX XXXX, XXXX for XXXX XXXX XXXX XXXX XXXX with PenFed CU.
Consumer complaint received 2018-08-14
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

I have a savings account with Capital One and it's called a XXXX XXXX XXXX. I have been on the phone with them multiple times in the last week ( XX/XX/XXXX to XX/XX/XXXX )  explaining I was purchasing a house and needed to move my funds around. There was first a delay in transferring funds because I had to confirm my account. I don't understand why this is necessary considering I should be allowed to send money to any account, but I was able to transfer the money today on XX/XX/XXXX. I initiated the transfer of funds and then I received a notice that my funds were withheld and unable to be transferred. I immediately contacted the number I was supposed to contact and they told me they could not help me. I was given another phone number to speak to and I have been on hold for over 40 minutes. I feel like they are withholding my money and making it as difficult as possible to transfer it to another account.
Consumer complaint received 2017-09-19
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Frequent or repeated calls
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

Several years ago Bank of America 's representatives corresponded with my lawyer but did not represent themselves truthfully. The case was settled and sealed, however they paid me several thousand dollars. Since then I 've asked them repeatedly to not call me but rather write me in email or letter as their representatives say different things depending on which department they are calling from. I also told them to stop calling me on my regular cell as their continual automated phone calls were harassing me. Since then they have take to call me almost every day on another number that I have. Please tell them to stop harassing me through this continual calling. They may communicate with my at any time through either email or letter. 

Thanks for your help. 

XXXX XXXX
Consumer complaint received 2023-07-22
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (CA)

My student loan servicer takes payment but wont credit my account. I will provide you documents. My payment was traced. They cashed the money order on XX/XX/XXXX. They told me they lost the money and refuse to credit the account until they figure out where the money went.I have talked to them over XXXX  times. I am XXXX XXXX my provider is Nelnet-serviced account, XXXX Nelnet.com and XXXX Mail payments to U.S. Department of Education XXXX XXXX XXXX XXXX, OR  XXXX by email ( XXXX ), The attachments I have sent you are receipt proofs of documents, they have these as well
Consumer complaint received 2024-04-30
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: M&T BANK CORPORATION (MD)

Per this credit debt the company has not resolved the dispute predatory lending on the credit debt please go the credit account all the disputes I filed about the {$1000.00} credit limit now they wont let me pay this debt I tried to go to their bank and pay this and they won't let me pay the monthly fee wise the debt by my filings.
Consumer complaint received 2023-01-03
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: EQUIFAX, INC. (TX)

I have several hard inquiries that were not me Id like to get rid of by the companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-08-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I have 10 transactions that are payments made to a company called XXXX XXXX. I have ordered from this company for years. The way the company works is you make a purchase to reserve an order of bulk meat that will come a few months in the future. XXXX  is essentially cutting out the middle man grocery store and delivering from the farm or supplier. They abruptly shut down the website/company with a simple message that said they are no longer in business. I was scheduled to have 10 orders coming! I immediately filed the claim with full documentation to my bank. Documentation including charges, confirmations of orders and scheduled delivery dates that never happened. The bank gave me a temporary credit and is now denying my disputes saying it is outside of the time frame. The nature of this company is outside their time frames, I filed immediately. Literally the day it closed. I have escalated it with not much help. These were not pin pad transactions so I was hoping that would help. We can not take a loss {$940.00}!
Consumer complaint received 2023-08-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC. (FL)

The company is Robin Hood. 

I transfered XXXX to my Robin hood account and they froze my account after the money had already left my bank. It took 5 days to do this and now they said a review will take 7-10 days. Instead of reviewing my documents before shutting my account they locked my account AFTER.
Consumer complaint received 2024-01-11
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: BARCLAYS BANK DELAWARE (PA)

XXXX I purchased a coat, coat didnt fit I returned it. Old navy confirmed they received jacket I waited over 30 days for refund. I get refund and old navy still knowingly goes into account in XXXX and takes {$250.00} after my balance was {$30.00}. We resolve the issue after flagging a problem with FTC. They refused to call me back until I had to threaten authorities to report them then I got a call back. THEN AGAIN AFTER THEY SEND CHECK AND EVERYTHING GOES AWAY THEY RECHARGE ME ANOTHER {$210.00} for nothing and it shows in my statement I never purchased anything for {$210.00}.
Consumer complaint received 2024-04-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OK)

XX/XX/year> Bought boat from XXXX auction. Boat was supposed to be delivered XX/XX/year>. Boat was never delivered. 
{$22000.00} was wired to BOA, XXXX XXXX XXXX from my credit Union, XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX 
Neither XXXX nor BOA referred me to their fraud department. BOA representative told XXXX representative, XXXX that you probably lost that money and would not give any information. 
I kept trying to call BOA on my own but could not get thru to them until Friday. I did get in touch with the fraud department which told me to have XXXX send fraud report across the XXXX line then they could open an investigation. I feel like both banks have slow walked this and would rather you go way. I think that one or the other should refund the wired money that was taking fraudulently. Also being less than helpful does not help any.
Consumer complaint received 2024-04-30
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (FL)

I have account with comenitu bank thAt issues woman within credit card The issue is with my monthly bill they want me to pay on the XXXX of every month I call the company and said I can not pay until the XXXX of every month and turn they said I will get a late charged of XXXX to {$37.00} every month because of XXXX day late I asked the company to close my account and they agreed to close my account and send me a final bill they send me the final bill but they still won't accept the pay for the final bill. 
They still want me to pay more late charges
Consumer complaint received 2024-04-30
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Credit denial
Company: Mercedes Benz Financial Services (CA)

XX/XX/XXXX Subject : Issues with Mercedes Benz Financial Services To Whom It XXXX Concern, My name is XXXX XXXX. XXXX : XX/XX/XXXX. Address : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX I have been experiencing persistent issues with Mercedes Benz Financial Services ( MBFS ) over the past year. Whenever I visit a Mercedes dealership to lease or purchase a car, I receive an automatic decline from MBFS without a valid explanation. Despite my inquiries, neither the dealers nor MBFS provide clear reasons for these rejections. 
Here are the key points : 1. Repetitive Declines : Every attempt to lease or buy a Mercedes results in an automatic decline. 
2. Lack of Explanation : Dealers are unable to obtain a valid reason from MBFS for the denials. 
3. High-Value Customer : I have been a loyal Mercedes Benz customer for decades, with excellent credit and a history of purchasing luxury vehicles ( including XXXX XXXX and XXXX ) with instant approvals. 
XXXX. Recent Attempts : On XX/XX/XXXX, I visited XXXX in XXXXXXXX XXXX XXXX and MBFS declined my application without explanation. Similarly, on the same day, XXXX XXXX in XXXX XXXX XXXX faced the same issue when they contacted MBFS. 
Additionally, my daughters, XXXX XXXX XXXX XXXX : XXXX ) and XXXX XXXX ( XXXX : XXXX XXXX ), both attempted to purchase a Mercedes. Despite their excellent credit history, they were instantly declined without valid reasoning.

I have made numerous attempts to seek clarification from MBFS, but all my efforts have been in vain. As a frustrated customer, I feel denied of my rights. I urge you to address this matter promptly. If I do not receive a valid explanation for the repeated declines, I will escalate the issue further. 

Thank you for your attention to this matter. 
Sincerely,
Consumer complaint received 2024-01-10
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: TRUIST FINANCIAL CORPORATION (NY)

I Have Hard Inquiries On My Credit Report From Lightstream Bank, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXX XXXX. I Have No Acknowledgement Of These Inquiries.
Consumer complaint received 2024-04-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (MN)

Every time I use XXXX services, hold on my money. When I use the service it always be some kind of hold on my money and I never see the money again but they tell me a fill out with all I'm doing is study adding money and I never see the money return to my account. XXXX tells me is my bank. My bank says XXXX, but I still don't see the money.
Consumer complaint received 2023-06-03
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. (NC)

Creditor : XXXX, Account : XXXX Reason : Last active dates are inaccurate between all 3 bureau 's. please delete. Late payments are not correct. I am not 60 days late on this account. That's inaccurate and needs to be deleted. I was Never late
Consumer complaint received 2023-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

My mortgage payments were placed on forbearance by my mortgage company from XXXX XXXX XXXX XXXX due to a natural disaster. On XX/XX/XXXX category XXXX XXXX XXXX hit Louisiana and destroyed our home. Once I contacted the mortgage company they placed my account on forbearance starting XXXX XXXX XXXX However my credit report is reflecting 120 days past due for the months of XX/XX/XXXX and XXXX XXXX Also the balance on the account is reflecting {$35000.00} when the balanced owe is {$33000.00}. This is a serious violating on my consumer rights according to FRCA this violates my rights for inaccurate reporting.
Consumer complaint received 2024-04-30
Product: Credit card — Store credit card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Someone opened Kohls card under my name for XXXX $ on XXXX XXXX. Also I received letter from XXXX Bank regarding application for XXXX credit card asking more information. I did not applied for any new cards. Earlier in XXXX I had unauthorized purchases on my checking account from restaurants for XXXX $ using my debit card information even I did not lost my card. I had to replace my card and got these purchases investigated by my bank. I did call Kohls customer service and I dispute Kohls card on XXXX XXXX
Consumer complaint received 2023-08-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Bridgecrest Acceptance Corporation (VA)

A car that me and my grandmother owned. It was mine I was paying with proof. 

I got it XX/XX/XXXX for around XXXX dollars with a monthly note of XXXX. 

Me and my grandmother inquired during her XXXX treatments me just paying the car off early to avoid confusion but the bank is requiring the enter interest amount of another XXXX XXXX to do so. ( Not counting payments made. 

Unfortunately my grandma passed from XXXX XX/XX/XXXX so I went to get the car transferred under my name. 

During that process I realized the severity predatory car loan and wanted to take time to see if I could get lawyers or you all involved they repossessed the car for a missed monthly payment XXXX, XXXX and now XX/XX/XXXX before I could do so 3 days after my grandmothers funeral. 

My XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX VIN : XXXX Purchased on XX/XX/XXXX Stands with the bank as follows : {$1600.00} Principal Paid Remaining Principal {$14000.00} Only XXXX after it has been paid monthly for 2 years and 5 months. With no option to pay early without paying double the price or give me my car. 

Im out of a car and {$11000.00} dollars PAID. I should not have to suffer from being obligated to take on such a predatory loan or have no transportation