davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-12
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (CA)

My parents bought me an American Express gift card of XXXX dollars. I have tried to use this card for both online and physical vendors but it is declined everywhere. The vendors include XXXX, XXXX XXXX and XXXX XXXX XXXX. 
The gift card is useless for me and I should be refunded the money. They also deducted an XXXX charge that never went through. 

American Express gift card doesnt refund any money. 
I tried asking them to provide a list of vendors that take the card, but they didnt. Also its deceptive practice to sell a gift card that can not be used by a majority of reputable vendors.
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NV)

15 U.S. Code 1681e - Compliance procedures ( ACCURACY OF REPORT ) 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. 

produce all documentation everything associated with account Produce original contract and auction receipt payment insurance loan insurance XXXX XXXX
Consumer complaint received 2023-10-11
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY (CT)

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -UPDATE TO CLAIM # XXXX -- -- -- -- -- -- -- -- -- -- -- -- -NOT A DUPLICATE -- -- -- -- -- -- -- -- -- - I AM THE ORIGINAL CARD HOLDER AND ORIGINAL CREDITOR ( see 15 USC 1691a Definitions BY CONGRESS ) I HAVE EXERCISED MY RIGHT TO CREDIT BEING A RIGHT GRANTED WITH WELLS FARGO FOR AN EXTENCION OF MY OWN CREDIT. WELLS FARGO HAS OBTAINED MY SOCIAL AKA CREDIT CARD ( ASSET/SECURITY ) AND HAS NOT GIVEN ME ANY BENEFIT IN RETURN THS IS A VIOLATION UNDER 15 USC 1644 FOR UNAUTHORIZED USE OF A CREDIT CARD. MY SOCIAL AKA CREDIT CARD IS USED FOR THE SOE PURPOSE OF EXTENDING CREDIT WITHIN THE BNAKING SYSTEM. IN MY CONSUMER CREDIT TRANSACTION WITH WELLS FARGO THEY HAVE OBTAINED MY CREDIT CARD AND APPLICATION ( NEGOTIABLE INSTRUMENT see UCC3-104a ) BUT HAVE DENIED ME MY OWN CREDIT THEY HAVE ALREADY RECEIVED MONEY FOR BY THE FINANCE CHARGE THERE FOR WELLS FARGO HAS DISCRIMINATED AGINST ME UNDER THE ECOA. -- -- -WELLS FARGO HAS COMMITTED SECURITIES FRAUD AND WILL RECIEVE A IRS AUDIT UNDER IRS FORM 3949a and IRS FORM 211 -- -- UNDER TILA SINCE MY RIGHT TO RECIND WAS NOT DISCLOSED TO ME AT THE POINT OF DISCRIMINATION THE DEAD LINE TO RECIND Is NOT 3 YEARS. I OFFICIALLY EXERCISE MY RIGHT TO RECIND AND DEMAND WELLS FARGO SEND BACK TO ME MY -- ORIGINAL CREDIT APPLICATION -- OR THEY WILL BE IN BREACH OF THEIR TRUTH IN LENDING REQUIREMENTS AND HEAVELY LIBALE FOR DAMAGES
Consumer complaint received 2017-04-08
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

Capital One is trying to sue me after 8 years I collected the debt in XXXX ( SOL 6 years ) Moved to XXXX 5 years ago ( SOL 6 years ) XXXX has a borrowing statute So in XX/XX/XXXX it will be a total of 8 years
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness. I implore you to conduct a thorough investigation and take prompt action to rectify this error. Please remove this inaccurate information from my credit profile as soon as possible.
Consumer complaint received 2023-10-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

Citizens Bank according to the XXXX XXXX  says i opened an account and overdraft but the time the account was opened and had those issues i wasn't living in that house i have no knowledge of that account and now i can't open a bank account and citizens let me open a bank account three months ago then closed it the account and tooky money i put down to open account and refuses to give me.any information even after i told them i never opened a account there
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
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 — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

This is XXXX XXXX and I am submitting this CFPB complaint as a follow up to the CFPB Complaint I recently submitted. I sent a letter on XX/XX/XXXX to remove the fraudulent accounts and information, specifically : XXXX XXXX XXXX XXXX XXXX, FL 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, VA XXXX XXXX XXXX XXXX XXXX, ME XXXX XXXX XXXX XXXX XXXX, ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX  XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. These accounts and information are unknown to me. I came across this law and according to the FCRA 605B ( 15 U.S.C. 1681c-2 ), as the Credit Reporting Agencies , you are required to remove any accounts or information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaints & I am including it again. I have provided evidence to support my claim that these items are fraudulent and do not accurately reflect my credit history.
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

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 U.S.C. 1681. 

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 

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. States a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-10-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (TN)

Hello, Back in XXXX of XXXX I submitted my auto-debit on Nelnet to XXXX payments. However, I never selected to have my payment due date advanced as I did not want interest to accrue XXXX certain balances. My XXXX payment did not go through. 

On XX/XX/XXXX I submitted the Income-Drive repayment plan on studentaid.gov to reduce my payment for my Federal Student loans on Nelnet.com. My payment should have been reduced to {$260.00}. I was charged the full amount of {$320.00} on XX/XX/XXXX, they then put my loan in forbearance as they changed my payment to the correct amount of {$260.00} but this causes my next payment to be on XX/XX/XXXX. 

I believe Nelnet is intentionally doing this on many loans to collect an extra XXXX months on accrued interest on millions of dollars in loan value. This is not clear to average consumers the impact on future interest impacts. It is also extremely difficult to select how additional loan interest payments can be allocated to different loan groups/lots. 

I have spent multiple hours on hold with agents trying to understand how they can fix this but the hold times are in excess of XXXX hours each day. The end of the loan pause has been know for over 6 months these issues should've been resolved and agents prepared to explain this to consumers. 

What I thought was going to be processed : XX/XX/XXXX - {$320.00} XX/XX/XXXX - {$260.00} and monthly going forward. 

What actually processed : What I thought was going to be processed : XX/XX/XXXX - {$0.00} XX/XX/XXXX - {$320.00} and {$260.00} monthly but starting on XX/XX/XXXX. 

As the future payments are going to be based on different income amounts it is difficult to calculate my full impact on interest they will be able to collect on the new amounts. I have about {$26000.00} in student debt assuming all was at a 5 % interest rate. I would have expected to pay {$7500.00} in interest and have XXXX payments. But now would have paid a total of {$7600.00} in interest and an additional month payment with a final pay-off month of {$100.00} totaling an extra {$440.00} in interest paid to Nelnet ( XXXX in interest + XXXX in payments + XXXX in last month remaining balance ).
Consumer complaint received 2023-10-11
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: WELLS FARGO & COMPANY (CA)

I have an assumable loan and I called the number to talk to the department that handles assumption loans. NO calls or reps contacted me and can not call to speak to anyone but someone who takes numbers for call backs. Taking 7 business days when I was told it would be up to four business days. I have tried to have a supervisor call me and they have been " messaged '' and they do not call back. I have filed a complaint with the XXXX XXXX XXXX and asked the Escalated Calls dept to help. Even that service center takes phone numbers for someone else to call back. Gets assigned in 24 to 48 hours and they often do not call back. But they " resolve '' the case in 5-10 business days. Meanwhile, my house is not selling on the market this whole time. I have an assumable loan and this can help me sell. This is not timely.
Consumer complaint received 2023-10-11
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Filo Mortgage, L.L.C. (IL)

I was processing a loan with FILO MORTGAGE. I had a preapproval with Filo and I have locked my rate. Lock Date was XX/XX/2023 with Expiration of XX/XX/2023 with maximum discount points to be Paid : {$1000.00}. During underwriting process this company was asking me to pay {$2200.00}. So I raised my concern to the loan officer, he agreed my valid concern and he informed his management several times to adjust that fee. Fuinbally he suggested to write an email to the CEO so that it gets solved. I have written an email to their CEO including the proof ( rate lock document ). CEO never replied to my email.

To complete the house buying process due to short inventory of the house I was forced to close the loan with their imposed fee. 

Also Due to their communication issue my attorney charged {$150.00} ( {$650.00} instead of {$500.00} ) more as the underwriter helping lady and loan officer was providing different answers to the attorney which took more time from attorney and I was charged additional {$150.00}.
Consumer complaint received 2023-10-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

The company false flagged my account and I do not have access to my funds. I am unable to complete transfers. I saw this from the online mobile application I am a Bank of America _ Prepaid customer receiving deposits from the EDD and the state. 

The first representative XXXX Colorado in card protection told me that an address change was done on my account. I told her I do live at the address and the EDD added a XXXX. I was like I am not sure if the XXXX needs to be there but I will check to see if it pulls up with the XXXX included. It was no real change. She refused to unflag my account. XXXX Supervisor refused to unflag my account and then blocked my online access.. I was no longer able to see balances in mobile banking. Cutting and restricting my access. 
The bank of America representative refused to unflag my account and allow me to have access to my funds and transfer my funds. I requested to speak with a supervisor cause I need to file a complaint because I should not have been flagged in the first place. I should have been notified of the hold that restricted my account. The first agent should have removed the hold once I was authenticated and identified my address. The supervisor should not have blocked my mobile access as the account was not in danger there was no fraud. 
Customer Service representative just giving me a hard time for absolutely no reason. I explained the situation to them and they just wanted to give me a hard time. I called back into Bank of America and received the service I should have gotten the first time. They ublocked my account and I was able to do my transfer as normal. The difference between stellar service and awful service and a complaint and a compliment. Bank of America needs to research the first caller and supervisor 100 % unacceptable and the second time I called back Winning Great Service. I am still pressing through with the complaint because it makes a difference and you all should know what people in America go through dealing with financial companies.
Consumer complaint received 2023-10-11
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. (SC)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2023-10-11
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (NY)

I have two vehicles with the same bank ( Ally ). I requested that the new vehicle be added to the online account I currently have with Ally to make payments online. Every time I call they tell me they will put up the request for me. I have called about 3 or 4 times and the account has not been added to my current online account. I made a payment over the phone on the XXXX of XXXX and now they are telling me they have not received the payment. I asked to speak to the manager and the representative XXXX XXXX XXXX at the lease dept was very rude and did not allow me to exercise my right to speak with the manager.
Consumer complaint received 2023-10-11
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I have a current credit Card with Capital One. I have paid off a card in full since XX/XX/2023. However, before paying off, I received many late payments on this account, and I did not understand why it was reported late. I was making automatic payments on the payment date, and they were still reported late.
Consumer complaint received 2017-02-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Hello, My name is XXXX XXXX XXXX. I am an XXXX Military servant. I am tired of submitting a complaint for the same Fraudulent account 25 times, day after day and month after month. Your company has aided in ruining a once XXXX credit file and for the past 5 years have turned my life upside down and ruined my life. Now you need to correct it. My Social is : XXXX. 

An account by the name of : XXXX that was placed for collection activity in 2011, seems to continually appear, even after subsequent reports and documentation that is is fraudulent. 
All you do is just sit there, laughing and hvaing fun after reading the documents. Then you place a Fraud Alert on my acocunt, for something that should have been removed 5 years ago. How do you justify your job, to keep placing fraud alerts on my profile - AND NOT EVEN INVESTIGATE and REMOVE THE ITEM? Just providing a dated update? 
This is such a shame and I am sick and tired of dealing with having to call and being told I have to be transferred to this dept and then to that department and then to another department - only to find out that that 4th department is CLOSED! 
Like you I have a job. But unlike you, I hav integrity and I do actual work and take pride in my work. I do what is right when I know something is wrong, it gets resolved. When action is required, I take care of my customers! 

So, in short, I am expecting the removal of this AUTOTRAKK item that is fraudulent. Yes, back in 2011, I was the Victim of Identity Theft. You have all the documents and you 're still making the victim pay. it 's like I have been XXXX and you blame me for allowing it to happen. Yet the criminal is living the great life. 
This needs to be stopped. AGAIN - REMOVE THE XXXX ITEMS from my file and REMOVE IT NOW! 
You, XXXX and Transunion are all dirty operations. This is why your companies are always sued for XXXX dollars because you provide false and misleading information on consumers ' reports.
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (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 information is inaccurate.
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Possible Financial Inc (LA)

you are in direct violation of the fair credit reporting act Possible finance Inc Account numbers XXXX ; XXXX ; and XXXX have violated my rights.

15 U.S.C. 1681 section 602 A. Clearly states that I have the right to privacy.

15 UAC 1681 Section 604 A section 2 : states a consumer reporting agency can not furnish an account without my consent I have not given consent to furnish this account. these accounts do not belong to me. Please remove them immediately
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

TransUnion was sent a dispute letter regrading my personal information being inaccurate. As the consumer supported documents was sent with the correct information. With TransUnion not fixing the problem it's making my credit report show poorly and stopping me from purchasing a home.
Consumer complaint received 2018-05-07
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Mercedes Benz Financial Services (MD)

To whom this may concern, I am writing about my account with Mercedes Benz Financial Services. On XX/XX/XXXX Mercedes Benz, Financial Service erroneously tower my XXXX XXXX XXXX, which caused a major hardship to my household as a single parent and a XXXX XXXX. Due to the lack of communication between Mercedes Benz Financial, their customer service department and their collection department my household was place in detrimental positions that compromised our wellbeing and lively hood. Although Mercedes apologized for the error, I was told I would not receive my vehicle until XX/XX/XXXX since the towing company they sent for my vehicle was closed once I called in. This error created more of a hardship from Friday XX/XX/XXXX to Monday since I work in Washington DC which challenged my attendance at work since I was currently 1 hour away from work ( without traffic ). When my car was returned the brake lights came on and an alert stating I needed to get my vehicle checked out. Mercedes apologized and stated that they would pay all expenses for the erroneous towing and I would get my vehicle back as soon as possible. When I called in to express my concern about my brakes Mercedes Benz financial customer service agent told me that I had to file a complaint with the finance company and not with them. I have also attempted to access my online Mercedes Benz Financial yet can not because Mercedes has labeled my account as closed, even though they apologetically returned my vehicle on XX/XX/XXXX. When I called to inquire about my account and making a payment, Mercedes Benz Financials Services customer service told me my account was closed, which didnt make sense because I have my vehicle. Before pursuing further action, I would like for Mercedes to resolve this issue by correcting this issue as soon as possible. This matter has cause major issues in my personal and professional life and is creating many hardships to mu environment