davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX my phone was stolen. On the same day XXXX different transfers for XXXX dollars went from my Wells Fargo bank account to my XXXX  account. I filed a police report I filed a report with Wells Fargo and they didn't even want the police report. They sent a letter a week later saying I didn't give them information they asked for so they will not be reimbursing me.
Consumer complaint received 2024-01-25
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: CITIBANK, N.A. (DC)

I received defective furniture and Citibank is not allowing a charge back and is holding me fully liable for the purchase and I disputed within 60 days of purchase,
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I have fraudulent accounts and charges on my personal credit file from Bank of America and XXXX XXXX that does not belong to me. My information was stolen by someone else and these accounts were opened by the person who stole my identity. I have been trying to dispute these charges with them directly but has not worked out neither they gave me solutions. 

I have late payments entries that I do not recognize at all and I request the removal of these entries.
Consumer complaint received 2024-04-04
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. (MI)

XXXX, XXXX, & Equifax are reporting an alleged bankruptcy and stated it was verified. I myself reached out to the federal court house clerk of court and they stated that courts do not release any court filings and documents submitted to pacer does not provide enough information to identify any individual because its protected information furthermore neither credit bureau provided me with paperwork that had my signature proving that the bankruptcy filing was indeed mine. This is required under FCRA.
Consumer complaint received 2024-02-26
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: GOLDMAN SACHS BANK USA (FL)

I had a CD with Marcus Maturing on XX/XX/24, On XX/XX/24 I called Marcus 3 times asking for clarification. 

I spoke to 4 different persons and was given contradictory and conflicting information by every one of them. 

Essentially I wanted to make triple sure that I was free to do what I wanted with my money on maturity date. 

A Marcus supervisor ( first supervisor ) assured me I had a 10-day grace period to do what best suited me. 

I called on XX/XX/24 to give instructions and I was told that my money was renewed into another 12-month CD and it was locked and if I wanted it out I will have to pay an early-withdrawal penalty. I disputed this. 

I spoke to a second supervisor who said my case was going to be investigated and I would receive a call back. 

Marcus does not give any written documentation, everything is verbal over the phone, there is not even a case number. 

I did get a call back on XX/XX/24. A person who said to be in charge of disputes admitted I was given the wrong information by several people, but said that the rules were that since I had created prior instructions via the app once before, this meant that I forfeited my right to the 10-day grace period stated above. 

This is not disclosed in their pages nor it was disclosed by any of the four people I've spoken with. And I particularly insisted in that I wanted to be reassured that I was free to act and not be locked onto anything. 

There are no warnings nor disclosure about this in Marcus Webpage or App. It is completely deceiving. Everyone of the people I've spoken with on XX/XX/24 aided with this deception. 

Furthermore and as stated- and I have it on recording - first supervisor was requested multiple times to confirm that my right to the 10-day grace period was current and valid, and she confirmed this. 

I was adamant I've been wronged and I asked for repair and a solution to this, but the complaints person would not budge. She agreed in that I was wronged and given the wrong information, but she refused to cancel the CD at no penalty to me. 

Every person I have spoken at Marcus, including the complaint person, had withheld information as to obscuring the facts and my rights and obligations, and this is deeply resented. 

I feel betrayed by Marcus, mislead, deceived, and tricked into surrendering a large amount of money for a year, at money market interest rates. 

I also find hard to understand the pettiness in not making my money immediately available to me, given the gross incompetence and negligence of people who were supposed to give me accurate and timely information. 

Trust is completely broken, I feel cheated and I want out. 

I demand for Marcus at the XXXX  to unlock my money for immediate withdrawal at no penalty and with the interests accrued. 

The sum is significant, it is a multiple of yearly salaries for an average worker. 

Thanks
Consumer complaint received 2024-02-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO. (NY)

My checking account was breached XX/XX/24. I tried to close the account as I opened a new account, but Chase Bank instead " restricted '' the account. XXXX fraudulent transactions of {$4000.00} to {$1000.00} have been charged to the new account with the latest XX/XX/24. I have rejected the transactions and fees charged and have not lost any money because I now monitor the account several times each day. I am disappointed that Chase has inconvenienced me by continuing to charge these transactions to my new account. I am more disappointed that Chase is not trying to stop the theft by having the transactions investigated to stop the thief. From the charges, I have the XXXX  ID # to XXXX, the rental address, a CapitalOne account #, etc. Hopefully the thief could be stopped from attacking me or others! Chase should make the effort to protect its costumers.
Consumer complaint received 2024-03-24
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. (GA)

XXXX, Experian, & XXXX continue to report 2 collection accounts that they claim to have verified but provided no evidence to support their claims. Under Fair Credit Reporting Act the credit bureaus are required to provide this information to me to verify myself. Who exactly validated this information? Who did they speak with I would like this information to follow up myself.
Consumer complaint received 2024-02-23
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (TN)

I filed a dispute with USAA regarding Credit Card Dispute # XXXXXXXX XXXX XXXX XXXX XXXX for {$560.00} for a service purchased in XX/XX/XXXX. I provided mountains of evidence, including proof that the individual that sold me a service was fraudulently misrepresenting himself as a business without having a legitimate business license. The window tint he applied was bubbling off the window within 10 days and peeling off the window within 45 days. I provided 28 pages of evidence that shows I attempted to resolve this amicably with the fraudulent business in question. I spoke with USAA staff multiple times and was assured that the information I provided was sufficient to support the dispute and that they " would be surprised if USAA didn't side with me. '' I also informed them I wanted it changed to a fraud dispute, as I had proven the seller of the service was using deceptive business practices to make sales. 

On XX/XX/XXXX USAA denied my dispute claiming that I didn't supply sufficient evidence. Two days prior I had spoken with USAA staff and was informed that they had significantly sufficient levels of evidence. USAA will not allow me to speak with a member of the dispute resolution team and instead makes me talk with entry level phone staff and play the game of pass the message.

I am a XXXX year USAA member and have filed exactly 2 disputes with them. They have denied both of them despite mountains of evidence in both cases. In both cases they have refused to allow me to talk with members of the dispute team.
Consumer complaint received 2024-02-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (HI)

Nelnet is refusing to address my concerns about the full dismissal and refund of all payments made due to me being part of the automatic discharge group in the XXXX v XXXX case. DOE assures me the approval is in and they are working on it, but the zero out and refund has to come from Nelnet, who just received my loan in XX/XX/XXXX from Great Lakes. I have called Nelnet XXXX times to discuss this, and they refuse to allow me to speak to a manager or address my concerns. They also refuse to communicate with the DOE. They refuse to follow up on missing documentation with DOE and they refuse to accept the documentation of my approval of full dismissal and refund ( ie, email from DOE confirming ) directly from me. DOE won't help because they say the servicer is responsible. Meanwhile, I'm getting notices of payment due on a loan that is supposed to be automatically placed in forbearance. 
These loans were to be fully discharged, with refund of all monies paid and removal from my credit report as of XX/XX/XXXX- this was the directive per the class action lawsuit final decision made in XXXX of XXXX.
Consumer complaint received 2024-03-24
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. (IN)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2024-02-22
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. (CA)

I noticed there was a bankruptcy on my consumer report filed on XXXX, I contacted the bankruptcy court and they stated " they do not report to credit agencies '' I wrote to each credit agency and requested information on how did they receive this information. They never responded. Also this year will be the XXXX year this bankruptcy has been on my consumer report. Please investigate and provide proof with statements showing that this bankruptcy was obtained legally. Also the statue of limitations/time allotted for this reporting has expired. If proof can not be provided, I demand this bankruptcy be removed for both reasons. Thank you! Please see screenshot attached.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

TransUnion phishing scam, someone hacked into my account to change password, TU refuses to allow me to do anything online in my own account including checking on the free status, putting on a free status or anything and when I call I get hung up on.
Consumer complaint received 2024-03-24
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. (TX)

The consumer reporting agency Experian is in violation of 15USC 1681i ( 5 ) for knowingly reporting data that has been proven to be inaccurate, incomplete and unverifiable data on my consumer report. I was not notified with the description of their investigation results as per 15USC 1681i ( 7 ) into such inaccurate data listed in my notice sent ( attached to this complaint ) to Experian that must be removed due to the accounts violations of 15USC 1681 ( B ) - 15USC 6802 ( B ) - 15USC 1681 ( 2 ) ( a ) ( i ) - 15USC 1692 ( g ) and 15USC1681i ( B ). The nature of my dispute demands removal of all the inaccurate data listed in my notice.
Consumer complaint received 2024-02-23
Product: Vehicle loan or lease — Loan
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Exeter Finance, LLC. (NY)

I was in a XXXX XXXXXXXX at the time this loan was obtained. With permission from my trustee. 
Exeter granted loan but would not provide any info, they said because I was in a XXXX. Although they were not any of the creditors involved. 
I had to file complaints to get any info. I prefer to email rather than call because they talk over me and push my buttons. I was told when the XXXX was discharged I would have access to my account. it was XXXX XX/XX/2021. 
My husband passed the end of XXXX and I requested a payment history and a pay off amount. 
Which after emailing XXXX XXXX - XXXX XXXX and filing a complaint with the Texas XXXXi got my info. 
Also, they lifted the restrictions on my account which I was unaware of, until I got a statement. 
I was behind because I had been trying since XXXX to get information. Next thing I know I. Getting nasty collections calls. 
A payment was payment to bring account current. But they wouldnt let me explain. 


Now Id like to refinance this car and getaway from this shady finance company, I cant because this loan is not reported to any credit bureaus. 

Is that legal to hide a loan?
Consumer complaint received 2024-01-10
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: AMERICAN EXPRESS COMPANY (FL)

American Expressed approved a card without my knowledge and because I dont possess the fraudulent information used to open account.access denied. None of the personal identifiable information matched and Amex wont take a fraud report. I first noticed the fraud in XX/XX/, when I started to get collection bills and a letter changing my address. I have since reached out to Amex and local police department without getting any help. Local law ( XXXX XXXX ) enforcement agency states its a civil matter.
Consumer complaint received 2022-12-20
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. (AL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2024-02-16
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Opportunity Financial, LLC (MI)

XX/XX/2022 I signed a loan agreement to refinance a loan I took out a few months prior. I received a copy of loan agreement but it was too small to read and wouldnt let me zoom in or download a copy. Turns out I have been charged 160 % in interest rates. This is a violation of TILA. Another common violation is regulation z. Which is to inform consumers of detailed loan amount and interest rates clearly. They are based out of Utah and comply to different laws taking advantage of Michigan consumers. The Michigan legislature XXXX states the interest cap is at 25 % maximum. This is 5 times less then what I was charged in fees. Basically a loan shark with high interest rates and strict loan agreements. I am a young single mother in need of money new to credit companies. Now that I have reached out to the debt collector and requested a contract validation I can access my account and contract agreement that was not clearly announced upon agreement. 
Hence my bi-weekly loan plan was charged weekly at times with the dates listed below XX/XX/2022 I was charged {$23.00} in interest Principal charge of {$0.00} XX/XX/2022 I was charged {$52.00} in interest Principal charge of {$52.00} XX/XX/2022 I was charged {$71.00} in interest Principal charge of {$49.00} XX/XX/2022 I was charged {$73.00} in interest Principal charge of {$46.00} XX/XX/2022 I was charged {$76.00} in interest Principal charge of {$43.00} XX/XX/2022 I was charged {$79.00} in interest Principal charge of {$41.00} XX/XX/2022 I was charged {$81.00} in interest Principal charge of {$38.00} XX/XX/2022 ( date I refinanced for work uniform ) I was charged {$71.00} in interest Principal charge of {$49.00} Some weeks I didnt borrow any money technically and was still charged interest a week after payment. 
XXXX of XXXX XXXX requires credit and charge card issuers to provide information to consumers at application and solicitation about key costs and terms Known as a XXXX XXXX But how can I read such fine print and not be able to download the agreement? 

Also a violation of usury laws in the state of michigan.
Consumer complaint received 2024-02-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

I called CapitalOne customer service on XX/XX/XXXX to report the unauthorized transaction ( fraudulent activity ). The fraudulent activity happened on XX/XX/XXXX XXXX money was withdrawn from my checking account for {$25.00} to XXXX XXXX. I never use XXXX to send out the money. I've been a CapitalOne customer for over 8 years and never had fraudulent activity on this account. I still don't know how the scammer was able to pull my money from the checking account. I disputed the XXXX transaction on XX/XX/XXXX and CapitalOne gave me Claim # XXXX. After I reported the fraudulent activities, they sent me an email on XX/XX/XXXX and said to deny the dispute. I was shocked because banking can't refund my money that was stolen by the scammers, which means they are not responsible for protecting their consumer 's money from the scammers. They couldn't resolve the problem of unauthorized transactions that made electronic/money transfers via XXXX.
Consumer complaint received 2024-02-15
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: SANTANDER HOLDINGS USA, INC. (CA)

So as I stated I sent XXXX only XXXX was applied on Thursday XX/XX/XXXX which they said they didn't recieve mind you this was 2nd attempt. 1st got returned for wrong address and pay off amount where they were tacking on another XXXX or so even though they gave me 10 day payoff. At this time I ask where did XXXX come from. No idea. Car says up for repo. Even though huge amount has been credited. And it would have remained if I didn't insist they remove it. At this point I ask to validate the debt send me a true bill idk what's going on. Now phone calls early before and sometimes lil after XXXX everyday so I remove consent to phone calls I want in writing only. Couple months go by I look at credit report still has XXXX applied. I got busy w family stuff forgot about so I check credit report and status has changed not up for repo I call to confirm yup no longer up for repo. I do a ucc 11 certified search no XXXX go to courthouse to aquire about arbitration. Come out trucks repoed by unknown 3rd party XXXX from home phone is in truck. So walk hours to sheriff they don't know hitch ride to PD they don't know sheriff said they have 2 hrs to repot at XXXX at XXXX pd says still nothing maybe it's stolen. So finally my ride gets to me call chrysler capital they say its repoed. Thing is she also says they did 1099c and canceled debt in XXXX which just now it clicks is probably where XXXX came from. I never received a 1099 its almost a full year from canceled debt and they are still trying to collect on a debt that's been canceled and refuse to release my vehicle even though I have to report as income. So they said I need to pay in full to release my vehicle. I mean I was still inquiring about arbitration to figure this out and the debt has been canceled for that long. No notification. Anyways I'd appreciate your help this very shady.im pretty sure. This gotbto be some sort of securities fraud or something.
Consumer complaint received 2024-03-24
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. (WI)

I looked at my report back on XX/XX/2024, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts 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, are not complete and accurate. 

XXXX XXXX XXXX open date is not reporting correctly, account number, date last active, date of last payment is not correct, this account is not accurate XXXX XXXXXXXX open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate XXXX ( Original Creditor : XXXX XXXX ) XXXX open date is not reporting correctly, account number, date last active, date of last payment is not correct, this account is not accurate
Consumer complaint received 2024-02-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Lockhart, Morris & Montgomery Inc. (GA)

LOCKHART, MORRIS & MONT is some collection debt firm. They're trying to collect the debt for XXXX XXXX XXXX XXXX in XXXX Georgia. I have not been to this Hospital in years I have not lived in XXXX Georgia in 10 years. This debt is well over 7 years old. They have sold the debt to this Lockhart Morris and Mott and now it is been filed on my credit once again it has already been on my credit report for a total of 7 years under a different collection agency now they have reopened it. And as you can see in the screenshots I sent it's under two different companies same amount filed two different times at two different dates they're selling the debt around and keeping it on my credit where I am unable to progress.