davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (NC)

I noticed my loans were being transferred from Great Lakes to Nelnet. I have payments due so I want to pay them. However I can not create an account on their website because it shows an error XXXX XXXX XXXX Calling them doesn't work because of extremely long wait times and I have to be working. Email has been taking a long time as well. My attempt to contact started last week and I can't get a hold of them. How am I supposed to pay my loans if I can't? I will just get screwed over now by getting a lower credit score when I am able to pay it no problem. So many other people are also facing the same issue it's a disgrace and it's extremely unfair.
Consumer complaint received 2024-01-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION (TN)

I was notified that XXXX XXXX XXXX XXXX, Credit Acceptance Corporation, XXXX XXXX XXXX, XXXX XXXX  has knowingly and unlawfully committed fraud under U.S.federal law Code Chapter 41 Title 15 Section 1605 and Title 15 Section 1635, Part B.

I discovered that the truth to disclose U.S. federal law Title 15 Section 1635 has been violated. I have the right to rescind the contract at any time. I rescind the contract for the sale of a XXXX XXXX XXXX XXXX, white XXXX with date of sale milage of XXXX, stock # XXXX, VIN # XXXX. A down payment was requested, GAP insurance and CPI full coverage insurance. I submitted {$2500.00} cash to complete the bill of sale they accepted. I was notified that no amount of down payment should have been requested and added in the sum of all total charges. The fact listed in US federal law Title 15 Section 1605. Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. 

XXXX XXXX XXXX XXXX, failed to disclose the legal law I could rescind contract and also due to your request to pay a cash down payment and a cash out of pocket purchase of insurance. The fact listed in US federal law Title 15 Section 1635. I am requesting the full refund of the sum of all total charges and return all down payment, finance amount including finance charges and additional insurance purchased on XX/XX/XXXX.
Consumer complaint received 2023-09-01
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)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (NV)

I have reached out to the following account below and talked to them about the issue with my account as reported by the bureaus. They have advised me that they will remove the late status on my account however, as I reviewed my recent report, the late status are still reported. I am not sure how the NAVY FEDERAL CR UNION came up with this remark. They have failed to investigate properly. Also, the comments do not conform to the payment history that is being shown in my report. I have included in this complaint FTC report with the report number XXXX for your reference.
Consumer complaint received 2024-05-06
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. (TX)

had fraud on XXXX XXXX, reported to XXXX  they done there invesgation at the end they found me not liable foe the XXXX balance transfers but my checking acct is linked to XXXX XXXX for paying purposes so i am guessing that is how the smae charges showed up on may checking acct and savings acct, when XXXX started dening the XXXX XXXX tranfurs they went to my chase acct, i contacted chase ASAP and we closed all my online stuff down changed all my passwords and I D, chase after 5 days returned the money back XXXX for XXXX the second for XXXX both to XXXX one week later chase took the money from me again so i called asap and was told by chase that they cant fully prove that i did or didnt do the balancetransfers, i have spent several nights on hold and re explaining the entire story only to XXXX told by chase that they will never return the money they have robbed from ever, XXXX i went to chase branch in XXXX XXXX spent about hour with a man proved to him that i didnt do this he called head office told them what he found and was told to bad so sad, all of this has happened between XXXX and XX/XX/2024, sorry i dont have better dates or typing skills XXXX XXXX XXXX # case # XXXX gave chase the same info they will not make the call
Consumer complaint received 2024-05-06
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

In accordance with the Fair Credit Reporting Act this creditor violated my rights under 15 USC 1681 section 602 states that I have the right to privacy ( 15 USC 1681 section 604a section 2 ). It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2023-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an XXXX XXXX XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.
Consumer complaint received 2023-07-17
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: Experian Information Solutions Inc. (FL)

Hello i have information showing on my credit report that i did not authorize. These accounts, inquires and address are causing damage to my credit report. I have gathered all necessary documents and will attach them to this complaint. 

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 2024-01-08
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: U.S. BANCORP (AZ)

I purchased {$1600.00} worth of gift cards from XXXX on XXXX XXXX, 2023. XXXX clearly had published on their website, that the denomination of gift card I had selected was {$100.00}. The purchase price for the {$100.00} gift cards, was listed as {$50.00}. But for XXXX listing, I would not have purchased {$1600.00} worth of cards, which totaled XXXX {$100.00} denomination cards. XXXX then sent me XXXX x {$50.00} gift cards on XXXX XXXX, 2023, which is a non-conforming good which I did not accept. I tried to resolve this by calling XXXX the same day they were delivered. XXXX told me that I could not get a refund or return the cards per the XXXX terms and conditions. However, XXXX terms and conditions do not mean that I accept the liability for the cards if the cards are not the proper denomination. I called XXXX again the following week to no avail. They told me it was a mistake and offered me {$25.00} in credits, which I reject. Whether or not it was a mistake that XXXX listed the card amounts wrong, they want to stick me with a purchase I would not have otherwise made. This is not reasonable. I then started a dispute with my card issuer, Fidelity Visa. They told me that they agreed with XXXX and ruled against me, citing that the receipt for the purchase equals XXXX x {$50.00} amounts. However, I asked them if the receipt shows the card denominations and they confirmed to me that the receipt does not. So the receipt merely reflects the purchase price of the cards, not the denomination which should have been issued ( I.e. {$100.00} x XXXX ). They then told me I didnt submit adequate proof, even though I had sent a screenshot of the {$100.00} denomination selected and the purchase price of {$50.00} on the XXXX XXXX. The agent, named XXXX, told me that even though the {$100.00} denomination was selected, there were other denominations that one could select. I asked how that is relevant because I didnt select the other ones, I had selected {$100.00} and also asked for a further explanation on how the XXXX XXXX was proof against me if it didnt show the denomination purchased. The agent then hung up on me, apparently unhappy that I was questioning my own dispute. Bottom line is, I was induced to purchase XXXX cards because of XXXX offer, and they want me to be stuck with the {$50.00} denomination cards instead of the {$100.00} cards as advertised, and I will not pay for them. I've attached the proof that XXXX listed {$100.00} denomination cards for {$50.00}. I've also attached one of the receipts for 10 cards as a sample of all the receipts ( I made the orders in like 6 different orders so no need to post them all ). The receipt clearly shows the total charged but no denomination amount - XXXX trying to claim that they shipped what I selected is blantantly false as I've showed. Fidelity Visa refused to see the logic.
Consumer complaint received 2024-01-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC. (MN)

I transferred funds from my savings, then they restricted my account and requested documents. I sent in documents, and my account is still restricted and funds on hold. It has been a month, and I'm still unable to retrieve my funds.
Consumer complaint received 2024-01-08
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: ROBINHOOD MARKETS INC. (OK)

On XX/XX/XXXX, I ACAT my assets from Public brokerage account to Robinhood. While the assets transfer has been completed and went succesfully. Robinfood has failed to provide in a timely manner, the cost basis of the assets transferred. I have contacted them multiple times and during those times, their customer service has always told me to either wait 15 days because it will be automatically transferred or contact Public to send Robinhood the cost basis, which I have done so, and I have a written proof from Public that they have re-send the cost basis to Robinhood. As of XX/XX/XXXX, the cost basis of the assets transferred has never been corrected nor provided. I would like to remind Robinhood in this complaint that under the amended Internal Revenue Code section 1012 ( see sections 1012 ( a ) ( d ) ) and section 6045 ( see section 6045 ( g ) ) and added new sections 6045A and 6045B that brokers are legally required to provide the correct cost basis which Robinhood has failed to do so. I would like to quote the section that is mentioned earlier " every broker that is required to file a return under section 6045 ( a ) from the sale of a covered security must include in the return the customers adjusted basis in the security and whether any gain or loss with respect to that security is long-term or short-term. '' In conclusion, Robinhood has been given more than enough time to correct the cost basis. Furthermore, the customer, has reached out to Robinhood multiple times and Robinhood has not done anything on their end to try and correct the cost basis. Robinhood is non compliance to the rule which should result in fines and penalties.
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am writing to address a concern regarding late payments on my credit record. Upon reviewing my records, I discovered the presence of these late payments. Despite sending letters regarding this matter over 30 days ago, I have not received a response, and satisfactory validation has not been provided. I kindly seek your assistance in promptly and effectively resolving this matter.
Consumer complaint received 2024-01-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (GA)

I am writing a complaint against Wells Fargo Bank. I am a small business owner with my bank account open since XXXX. Since the account 's inception the address we wrote on file had a XXXX mailbox and there were no issues, we were paperless. We had close to {$200000.00} in daily balance for a while until we decided to invest most of the funds last Fall, thereby leaving a small balance of {$5000.00} to {$10000.00} in recent months. 
In recent weeks the bank had asked us to change the mailing address to a physical address, and we simply forgot to do it. Last Friday, XX/XX/XXXX when I login I was welcome with a screen that said {$0.00} balance, I was surprised! we had funds that came from customers the beginning of the year. When I clicked on the account activity I saw a note that said " Account closed due to non physical address ''. I immediately called the bank, I was told on the phone that they could not do anything and that we would receive a certified check in two weeks!!!! That is ridiculous, we have payments coming out of the account this week and we and Wells Fargo has caused a burden and an inconvenience causing us damages in late fees and unnecessary stress, we could sue them. I asked to escalate the issue and ask for an overnight check. It is unacceptable that they take so long to mail us our money. We can not do anything until we receive our funds and we have to delay payments to other creditors which is unacceptable. I demand that Wells Fargo rectify this situation and overnight us a check for the balance on the account and add funds related to damages caused to our business. 

Ps. The bank had always registered my personal mailing address and used it several occasions to mail important documents. Arbitrary closing of our account is not a good practice. They lost us as clients ... I had updated the address on the 5th but I was told the bank could not re-open or reverse the closing of the account... I do not believe it
Consumer complaint received 2024-01-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TD BANK US HOLDING COMPANY (NY)

Someday fraudulently alter the name of the recipient 's name from already deposited check and deposit for the second time. Therefore, I filed TD bank fraud referral form on XX/XX/2023. XXXX store name-TD bank, XXXX XXXX XXXX XXXX  # XXXX. 
XXXX XXXX ( which I got from customer care ). 
It's been more than XXXX months since I filed the complaint. There has been dead response from the bank, either they told me, there is no response from the agency, come back after one week or call the customer care. This has been repeating for the last XXXX months and I felt like they want to bury my case under bureaucracy paperwork and simply ignore my refund. 
I request concern authority to look into my matter and take swift action so that common people like me, don't have to " still waiting " to my money back.
Consumer complaint received 2024-05-06
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: GOLDMAN SACHS BANK USA (CA)

IN XX/XX/XXXX I HAD AN IDENTITY THEFT SITUATION, VIA APPLE WALLET, WHERE MY APPLE CARD AND OTHER CARDS WERE ATTACHED. IN THE COURSE OF THE INVESTIGATION, MULTIPLE DISPUTES TOOK PLACE FOR FRAUDULENT CHARGES ON MY APPLE CARD GOLDMAN SACHS BANK. THE INVESTIGATION TOOK XXXX XX/XX/XXXX. THE APPLE CARD ACCOUNT WAS CLOSED TO PREVENT FURTHER FRAUD. 

AT THE MOMENT OF CLOSING THE ACCOUNT, I WAS ADVISED BY GOLDMAN SACHS FRAUD DEPARTMENT, THAT I HAVE PAID ALL THE REMAINING BALANCES AND OWED {$0.00}. 

IT WAS IN XX/XX/XXXX, WHEN I NOTICED, THAT MY CREDIT SCORE DROPPED XXXX POINTS. I LOOKED AT MY CREDIT REPORT, AND IT STATED, THAT THE BALANCE OF {$250.00} WAS REMAINING UNPAID. 

I CONTACTED GOLDMAN SACHS AND EXPLAINED THE SITUATION. THEIR CUSTOMER SUPPORT FILED THE DISPUTE. I KEPT CALLING FOR 3 MONTHS ABOUT THE DISPUTE RESULTS, YET NOBODY WAS ABLE TO GIVE ME A CLEAR ANSWER. THEIR CUSTOMER SUPPORT TEAM SEEMED TO BE XXXX, NOT SPEAKING OR UNDERSTANDING ENGLISH CLEARLY ( SPEAKING WITH XXXX XXXX XXXX AND EXTENSIVE GRAMMAR ISSUES ), THEY WERE NOT AWARE ABOUT THE DISPUTE DETAILS EVERY TIME I CALLED, EVEN THOUGH I PROVIDED CASE NUMBER, AND AS A RESULT, THEY KEPOT DAMAGING MY CREDIT SCORE BY REPORTING FAILED PAYMENT. 

EVENTUALLY, I SENT GOLDMAN SACHS A CASHIERS CHECK FOR THE AMOUNT THEY STATED I OWED. 

AFTER THAT, I CONTACTED THE BANK AGAIN AND ASKED TO SPEAK TO TOP TIER MANAGER. 

I EXPLAINED THE WHOLE STORY .... THE SENIOR MANAGER ADMITTED, THAT THE ASSISTANT, WHO CLOSED MY ACCOUNT IN XX/XX/XXXX MADE A MISTAKE, AND THE CHARGES WERE NOT SUPPOSED TO BE HAPPENING. I WAS PROMISED, THAT GOLDMAN SACHS WILL CONTACT CREDIT BUREAUS TO DELETE BAD HISTORY ONN MY BEHALF. 

THAT NEVER HAPPENED. MY RECENT REPORTS STILL SHOW DELINQUENT PAYMENTS AND RUIN MY CREDIT HISTORY.. 

I AM EXTREMELY UNHAPPY WITH SUCH A HORRIBLE CUSTOMER SERVICE FROM GOLDMAN SACHS, AND SEEK SOME HELP TO RESTORE MY CREDIT HISTORY. I HAVE ALWAYS PAID EVERYTHING ON TIME SINCE I CAME TO THE USA IN XXXX. 

XXXX XXXX XXXX
Consumer complaint received 2023-12-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX XXXX I did not have late payments XXXX XXXX XXXX  I did not have late payments XXXX XXXXXXXX This is completely inaccurate. 

XXXX XXXX XXXX XXXX I dont recognize XXXX XXXX XXXX XXXX XXXX This Information is Incorrect XXXX XXXX XXXX XXXX XXXXXXXX This is not accurate. 

XXXX XXXX XXXX I did not have late payments XXXX XXXX XXXX I dont recognize XXXX XXXX I did not have late payments XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following personal information is incorrect
Consumer complaint received 2022-12-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

hey please remove this account I know you will understand me in this situation this is becoming a frustration to me. Please be deleted before 30 days If you do not respond within this time period, Thank you for your time. Hoping that I could get some favorable news after this investigation.
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (IL)

During the COVID-19 Pandemic I was under economic hardship and had to close my credit cards with JP Morgan XXXX I was behind on a few payments and entered into a debt consolidation program with them. This began on/around XX/XX/XXXX and make a monthly fixed payment to pay down XXXX independent accounts. My payments have always been on time and will continue until all balances are paid in full. 

In XXXX of XXXX I was notified of a +-100 point drop in my credit score and was very concerned. After much investigation ( and phone calls ) I was informed by JPM they changed internal systems on how they report to credit agencies and this was likely the cause of my score lowered at XXXX. My JPM accounts ( while in current repayment and good standing ) were being reported to agencies as a 'closed'/'default'/'etc '. 

How can my accounts be listed in reports to reporting agencies in default when I am in current repayment? How is this coming up after 2 years of a consolidation program with my provider? How did a system change error result in my credit score cratering by almost 100 points when I am in good standing with JP Morgan. - no one at JPM or XXXX could answer my questions. 

I feel there has been little accountability by either party here and imagine this impacts a broad community of folks that were economically impacted by the Pandemic - but wanted to be current in the debt repayments. 

There must be 1000s of people like me out there that have been negatively impacted by this problem at XXXX.
Consumer complaint received 2024-01-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (TX)

I filed my XXXX plan since XXXX and my IDR application has been pending with Nelnet all this time. I kept receiving emails that 'Your application is in line for processing and we apologize for the delay! ' After my IDR application not being processed after 5 months, i called on XXXX and was told by the NELNET rep that I needed to submit my husband 's W-2 form and a self declaration letter that I have no income. I did this the very same day! Now today, XXXX, Nelnet has CLOSED my IDR application and LIED and said i did not send to them the requested informatoon in time. Nelnet is an outright flatout LIE!! They were the ones who had my application sitting in the que for 5 months, NOT ME!