davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-10
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: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

On XX/XX/XXXX I accidentally booked a reservation for XXXX Nights starting in XXXX of XXXX. The amount was listed in XXXX Pounds and I wanted to compare the price of a general hotel to getting an apartment for my daughter if she possibly got an internship. ( which is a 5 % maybe I will look in XXXX type of thing ). I wanted a sum total and by accident I must have booked it. I promptly canceled with XXXX and called my credit card company to tell them what I did. The amount was {$9200.00}. I have called XXXX XXXX. the hotel, and the credit card company probably in grand total about XXXX times. I submitted all my paperwork, etc. 
Bank of America ( Visa ) had someone tell me to " Use my Brain ''. 
I am now being told that not only is my reservation NONREFUNDABLE, but it is also CANCELED and I can not have my reservation back. Visa is not willing to help me get my money back even though I contacted them within minutes of this happening. 

This is UNJUST ENRICHMENT that VISA Is backing. 

I am going to fight this charge still and cancel my card. I am NOT going to pay the {$9200.00} while this dispute is ongoing and I will notify them in writing.
Consumer complaint received 2023-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

I sent a letter on XX/XX/2022. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. 
Also I have attached the credit report and here I listed the tracking numbers of the letters I sent out to the credit bureaus # XXXX, # XXXX, # XXXX. 
According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 
They stated my account were verified but how is that possible if they did not do a proper investigation according to the law. 
Also every piece of information on these accounts are still not reporting 100 % Accurate. 
And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. 
- Authentic Persona information : Full Name : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, OH XXXX Employer : XXXX XXXX  - Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

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.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 records of convictions of crimes which antedates the report by more than seven years.

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 informationisinaccurate.
Consumer complaint received 2023-10-10
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo. Closed credit card suddenly " reappeared '' and generated fees, had a fraudulent charge from " XXXX ''. Neither the card nor statements were accessible to me on the website nor on the phone app. I called and discovered this card is generating interest... I paid it off and disputed the transaction. Nothing got disputed and I continued to not be able to access online statements regarding this resurrected card. 

I tried closing my Wells Fargo savings account and sent ACH withdrawal request to my linked bank with the next business day transfer. Instead of the transfer out, they magically transferred that amount IN! And then froze it. Nothing is moving in or out and I'm not able to close this account which is generating maintenance fees... The customer support is backed up and can not cancel this transfer... I just can't seem to be able to free myself from this horrible bank. 

In the past they also made me pay 6 months for a " deposit box '' in another state that they refused to close. They just constantly do this kind of stuff... I would like to see that bank stop its existence.
Consumer complaint received 2023-10-31
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/2023 an XXXX transaction was deducted from my XXXX  XXXX XXXX account in the amount of {$3600.00}. On XX/XX/2023 I saw this transaction and contacted XXXX to let them know that fraud had taken place.
Consumer complaint received 2024-06-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc. (CA)

In 2017 my Student Loans with the Department of Education had fallen into default. I was contacted by a company called My Great Lakes about a Loan Rehabilitation Agreement to bring my loan out of default. Knowing that I wouldn't be able to make significant monthly payments after the $ XXXX rehabilitation payments, I redlined and renegotiated the LRA to contain language allowing for the " renegotiation of terms or the cancellation of balance on behalf of the borrower at any time '' once the loan was brought out of Default. Nelnet now services the loan, and will not honor the amended language of the LRA. They are refusing my negotiated terms and conditions, despite the LRA being requisite before bringing this loan out of default, and are intentionally failing to move forward with either negotiating new terms or a lump sum payment. Instead, they delay communication or resolution and continuing attempting to charge me interest on my loans.

Either the terms of the LRA must be honored, as negotiated and agreed upon. Or, the LRA never was valid and thus the loans are in default and can not be serviced by Nelnet. Nelnet is essentially stonewalling me, refusing to negotiate or honor the specific terms of the LRA, and hoping that I will continue getting buried in accrued interest.
Consumer complaint received 2022-12-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC (MD)

NOTICE TO CEASE AND DESIST To whom this may concern, On XX/XX/2022 a form of communication in an attempt to collect an alleged debt was mailed to me. I do not know who Radius Global Solutions LLC is, I certainly did not give my personal information to you and I did not consent to you communicating with me. 

Pursuant to 15 USC 1692a ( 2 ) - The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium.

You are a debt collector and you are implying that I, a consumer, owes a debt. Trying to collect on an alleged debt in the amount of {$4000.00}. That is a violation of 15 USC 1692b ( 2 ) Pursuant to 15 USC 1692c ( c ) - I am refusing to pay this alleged debt and it is my wish that you cease any further communication in connection with this alleged debt, that includes communication with anyone, especially any consumer reporting agency.

Do not report anything on my consumer report, you do not have my consent.

Pursuant to 15 USC 1692c ( c ) ( 3 ) - As the original creditor, I am invoking my specified remedy, specified remedy includes the following ; -An apology for contacting me without my permission, including a notice that your further efforts are being terminated - A check in the amount of {$2000.00} addressed to me, the consumer for violating my consumer right to privacy by contacting me without my permission and for implying that I owe a debt
Consumer complaint received 2023-11-12
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Solar Mosaic LLC (SC)

BLUF : A loan was taken out in my name and a lien on my house to do work that was never done, nor authorized to be done. I rejected the solar panel plan and did not want anything done to my house. No work on the house was done, but a loan was still originated without my consent. 

Around XX/XX/XXXX : A solar panel installation company called XXXX XXXX XXXX ( XXXX ; XXXX ) did an unsolicited quote for solar panel installation on my new property at XXXX XXXX XXXX XXXX, XXXX XXXX SC, XXXX. 
I listened to the pitch and I gave them my info and I told them that I would think about their proposal. 
I called the sales agent after a few days and told him I was no longer interested in installing solar panels in my house. I checked the XXXX XXXX login portal and my status said the project was suspended. 

The date is now XX/XX/XXXX. 
I am in the process of buying a new house, and my credit report shows a lien on my house from Solar Mosaic LLC ( XXXX; XXXX ). The loan amount is {$26000.00}. ( Mosaic Loan Number XXXX ) I was never notified by phone or mail that this loan was being taken out in my name. 
XXXX XXXX uses Solar Mosaic to finance their projects. 

I have contacted both companies and requested that this lien be removed because I did not request solar panel installation. No installation was done nor planned, but the lien was placed anyway. 

It has been over three months since I originally contacted both companies. I recently called XXXX XXXX and got a new support ticket. 

XX/XX/XXXX XXXX XXXX support ticket # XXXX ( email and phone call ) XX/XX/XXXX XXXX XXXX support ticket # XXXX ( phone call only ) I have also called and emailed Solar Mosaic about the loan cancellation. They need approval from XXXX XXXX before they can cancel the loan. Mosaic has emailed me several times indicating that XXXX XXXX is not responding to their requests for cancellation.
Consumer complaint received 2024-05-30
Product: Prepaid card — Payroll card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc. (CA)

I was provided a settlment from a class action suit. I was given {$35.00} and a link was sent to me to retreive my settlement. The settlement money was sent to XXXX XXXX XXXX and a virtual XXXX was provided to me which I downloaded on my phone " XXXX XXXX ''. However, the first 12 numbers of the XXXX  were blocked out and only the last 4 digits were visible. I tried to use the money on the 'virtual " card at different stores and I was unable, because I did not have the full card number or the security code required to make purchases. On countless occasions, I tried calling XXXX XXXX XXXXr 's XXXX number to retrieve the information so that I may use the money, to no avail, as a customer gets lost in the virtual maze of their automated services. I also tried to write their cutsomer service at the address provided, however, no one gets back you. This is the address provided on their site. CARDHOLDER SERVICES MAILING ADDRESS : XXXX XXXX XXXX XXXX, TX XXXX This is a money stealing scam, as this company makes it extremely difficult, if not impossible for the cardholder to access their funds. Then seizes the funds, leaving the customer with no recourse.
Consumer complaint received 2023-10-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

I have found that your company is reporting inaccurate and incomplete information. I have already communicated with you several times via mail but it seems that nothing has been done on your end. I am exercising my right as a consumer and I demand that you immediately delete and remove this information from my credit report as you are hindering me in finding a stable job to provide for the needs of my family. 

-- FOR TRANSUNION & XXXX -- XXXX XXXX I found that XXXX persists in reporting these accounts as late when it comes to payments. It is definitely an indication of inaccurate reporting. Here are the accounts I am referring to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2023-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

I have reviewed by credit report its some fraudulent accounts appearing on my credit report that are incorrect and inconsistent. I will put the accounts below. 
XXXX XXXX : Act # XXXXXXXX XXXX XXXX XXXX Act # XXXX XXXX XXXX : Act # XXXX XXXX  : Act # XXXX XXXX XXXX : Act # XXXX XXXX  : Act # XXXX XXXX XXXX XXXX : Act # XXXX
Consumer complaint received 2023-10-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC (GA)

Us Auto sales has went out of business. Sold my car loan to XXXX XXXX. They have started my loan over even though I made payments on the for over a year. I do not have a warranty on my car. And I was told that it was never a warranty on my car.
Consumer complaint received 2016-03-28
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (NJ)

I have a condo mortgage payment with Nationstar mortgage company. Nationstar mortgage has placed flood insurance into the escrow payments on my current mortgage payments. The flood insurance that they charged me for is for the entire building, not just my condo, which increased my monthly payments by {$620.00}. Flood insurance is paid by the condo association of my building and was paid in full in XXXX 2015 for the year. Nationstar collected money from me for this payment for the flood insurance for the entire building even though it was already paid in full. I make the monthly mortgage payments each month, but due to Nationstar 's inaccurate billing they are saying that my account is delinquent, when in fact it has been overpaid.
Consumer complaint received 2023-04-19
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. (PA)

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. 

Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX  XXXX XXXX XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX  # XXXX Account name : XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 records of convictions of crimes which antedates the report by more than seven years. 

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.
Consumer complaint received 2023-10-10
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

An Unauthorized Inquiry was reported to my Consumer Reports on XX/XX/XXXX. 

A Notice and Demand For Unauthorized Inquiry on my Consumer Report was sent to the creditor via USPS Certified Mail on XX/XX/XXXX. A copy of this letter and confirmation receipt is attached below. 

*USPS Certified Mail : XXXX - Delivered XX/XX/XXXX* This Creditor had no Permissible Purpose to obtain my consumer report information. 

This Creditor has not responded in return and it has been over 30 Days from the date of receipt of my Notice and Demand letter. 

Please Delete/ Remove this inquiry from my consumer reports as soon as possible. 

Thank You In Advance, XXXX XXXX
Consumer complaint received 2023-04-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

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. 

Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX  # XXXX Account name : XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 records of convictions of crimes which antedates the report by more than seven years.

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.
Consumer complaint received 2023-10-31
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE (AZ)

I had a Gap Visa Card issued by XXXX XXXX, and a few years ago I received a letter that Barclays bought it and we will receive a new Gap Master card from them or if we won't to continue with this new company and master card to pay off all the balance and to do nothing more. I paid off my balance and when I received the new master card I NEVER ACTIVATE IT. The Barclays sent me a few letters with different offers but I did nothing because I did not want their new card. Now after more then 1 year or XXXX years I received a statement from Barclays with a transaction on my never activate card with a transaction on it on XXXX XXXX. How is possible to have a transaction to a company that never I was their customer, I never activate their cards?? and now look I have a active card with them and a transaction on it. Thank you for your help in front with this abuse because they have all my personal info from the old company.
Consumer complaint received 2023-10-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Credit Bureaus have never responded to my multiple emails since XXXX. I have been expecting their correspondence for the past 60 days, however, until now no updates have been provided from these agencies regarding these accounts below : XXXX. XXXX XXXXXXXX Account # : XXXX XXXX. XXXX XXXX Account # : XXXX XXXX. XXXX XXXXAccount # : XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX. XXXX XXXX # : XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX. XXXX XXXX XXXX XXXX # : XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  )
Consumer complaint received 2023-10-10
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: Atlanticus Services Corporation (OR)

I did not authorize any of these inquiries : 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 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 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 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 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 XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-10
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: CITIBANK, N.A. (OR)

I did not authorize any of these inquiries : XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Television & Radio XXXX Inquiry : XXXX XXXX, XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Credit Unions XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXX : XXXX. XXXX, XXXX + XXXXXXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + All Banks XXXX Inquiry : XXXX XXXX, XXXX + All Banks ( XXXX ) XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX Inquiry : XXXX XXXX, XXXX + Auto Financing XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX + All Banks ( XXXX ) XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Auto Financing XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Auto Financing