davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-10
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. (OH)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-10-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (NC)

On XX/XX/XXXX  there was a check deposited into my Wells Fargo account. Which I did not log into my bank until three days later and seen that it was in the negative. The money was taken out at an atm using my debit card which was lost. For my transactions Ive only used XXXX XXXX which I mentioned to the bank because I didnt know where my card was but they still denied my claim. Around XXXX my social security number and my driver license was posted on instagram by someone I know, and ever since then Ive been getting letters in the mail about trying to open a new account with different banks which I did not do. Now my Wells Fargo bank is in the negative because of a check I did not deposit. Ive been on XXXX XXXX since XX/XX/XXXX, I have not been to an atm or have any way of getting paid, since Im XXXX XXXX and dont get a maternity leave check. I do not know where the check came from the signature on the check doesnt even match mine. I start back working on XX/XX/XXXX and that is the only bank account I have, but my account is XXXX and I dont want the money I make from work to go into the account and just lower the negative balance because I never deposited the check.
Consumer complaint received 2023-10-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION (NJ)

One time I called to see the amount of money I own in the car and they told me i own XXXX And like two weeks ago I called and told me that i own XXXX dollars on a car that's is not worth it but the problems come from the dealer if you search for them and see the reviews that they have you'll see that many people saying they even open an account to people without the person concern the yo every dealer I go they don't want to take the car because the amount of money they put at the beginning I had a car different to the one I actually have and they cancel de loan with the bank and added the one that I have right now and what I think is they mixed both of the amount money of each car because that's not normal to have such a high bill when they told me I just own XXXX they are thief as the dealer where I got the car from when I first got the car it got overheat and I had to return to the dealer and I told them I don't want that car and they told me they can't do anything, they sold me that car for XXXX a XXXX XXXX XXXX  you think that's fair?
Consumer complaint received 2023-07-07
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (WI)

On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''
Consumer complaint received 2018-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

I submitted my request for Income-Driven Repayment Plan on XX/XX/XXXX, I received confirmation of approval on XX/XX/XXXX. Approval for repayment amount is currently {$0.00}. Since the approval XXXX has reported past due/late payments for XX/XX/XXXX - XX/XX/XXXX. I called to inquire about the incorrect data being reported to the all three credit bureaus and have been advised to submit supporting documents, which I have via fax and uploaded the documents on my XXXX account. However due to the inaccurate reporting my credit score has decreased drastically and I have been denied for a home loan due to the most recent late payments reflecting on my credit report. Please provide assistance.
Consumer complaint received 2023-04-20
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: VW Credit, Inc (CA)

The lease to VWCredit Inc ( d.b.a. Audi Finance and Volkswagen Credit ) was paid off on XX/XX/2023, and the check cleared my bank on XX/XX/2023. The contract states the title will be sent in two to four weeks. I have called twice, and they offer no updates and won't send a written notice that the lease has been paid off or a release of lien letter that I can use at the California DMV to change the title. All the proper paperwork ( Odometer Disclosure Statement, Bill of Sale, Executed Payoff Quote, and the check for $ XXXX ) was sent, and the Customer Service line at XXXX verbally confirmed that fact.
Consumer complaint received 2023-10-24
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I using the Bank of America to pay my financing XXXX XXXX XXXX to pay them but what happened is First its going tru my auto pay then I set up for XXXX pay then I get in in trouble again be cause there repossession my car because of non paying them but I have proof that I paid them but the XXXX told all of my payments is get reversal or insufficient but you know what happen is my Bank intuition Bank Of America there sending cheque but I never requested to them then the XXXX XXXX. Hills there received it and then sending me again to my home then until I become struggling because of there negligence and discrepancy circulation and to end of my account there get close And my dignity its irrespectable by XXXX XXXX XXXX Staff keep back and port to Bank of America this issue that can not be resolved and I feel being discriminated traumatized experienced also to the other Bank intuition like XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX I mistreated to all this bank the way I get there services as costumer until now.
Consumer complaint received 2024-04-05
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. (AR)

Filed dispute with Equifax XX/XX/2024, XX/XX/2024 and XXXX XX/XX/2024. I sent in documentation of bank check, letter from agency ( XXXX ), and letter of acceptance of payoff from agency ( XXXX ). All came back stating that I still owe that amount. It has been removed from XXXX, and XXXX but not Equifax.
Consumer complaint received 2023-10-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc (TX)

XX/XX/XXXX I was attempting to transfer from my chime card to my bank. Instead I transferred to chime. I tried to do it a second time and still transferred to chime. I decided to pay anyone to myself thinking that would solve the problem but the funds never posted. Ive done four disputes with chime all being denied. I told the I misunderstood what I was doing and send pay anyone instead of transferring. They kept telling me I send my money to $ XXXX XXXX which is me, and it cant be funded. Both transactions were for {$190.00} each. Total of {$380.00}. I did not send this money to someone else I sent it to myself. I just want my funds posted to my account. I filed four disputes with chime. All denied. I now have a XXXX XXXX report and have filed s dispute with my bank.
Consumer complaint received 2023-10-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A. (NJ)

I made my fiance my power of attorney to received the full amount out of my account it's been almost 2 months since I got an answer on the power of attorney request. Once i.got the power of attorney request back it was denied. I called pnc to see why it was denied they never gave me a direct answer multiple times they said they were going to contact me and they never did
Consumer complaint received 2018-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIFTH THIRD FINANCIAL CORPORATION (KY)

A fraudulent inquiry was made today on my XXXX  credit report by 5/3 Bank. I was alerted via a credit reporting watch I have with XXXX. A screenshot of this inquiry is below. I called with no resolution and have written a letter.

I have no open accounts with 5/3 and should not have had ANY inquiries on my personal credit report. I am disputing this whether this hard or a soft inquiry ; either way, I want this removed immediately, please. I have recently had fraudulent addresses appear on my credit report and in XX/XX/XXXX, I contacted 5/3 Bank. I sent a letter to : 5/3 Bank, Attn. : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   Ohio XXXX specifically asking to be certain 5/3 Bank was not reporting fraudulent and incorrect information to the credit bureaus. THIS REQUEST SHOULD NOT HAVE CAUSED AN INQUIRY OF ANY KIND. Obviously, I am trying to clean up my credit report of fraudulent information, not have random inquiries added which would be further detriment. I did not give any authorization or permission for any inquiry.
Consumer complaint received 2024-04-05
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NEW YORK COMMUNITY BANCORP INC (TN)

I had a Mortgage Payment of {$780.00} a month with FlagStar, XXXX XXXX XXXX during Covid, stuck with tons of business debt and Credit Cards. Flag-Star agreed to Covid Forbearance, move all missed payments to backend of loan with XXXX XXXX XXXX XXXX  dropped my payment from {$780.00} to {$650.00} a month. Then Flag-Star sold my loan to a Debt Collector XXXX now XXXX  wont honor Flag-Stars Agreement. XXXX wants {$10000.00} up front, up my payment to {$1200.00} a month from {$650.00} and added 10yrs to my loan. I cant even pay the bills I have now.
Consumer complaint received 2023-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NC)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2023-04-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL (PA)

This is my XXXX complaint about Synchrony Bank. Now it's about my Care Credit card. 
I made a statement about them targeting me as an XXXX American customer. I spoke with a customer service representative today over the phone. In the last conversation I had with them I explained to them to contact me by phone. Please no emails due to my illness I may not see or receive them. I am very ill and under XXXX. I have not received a bill or a phone call from Synchrony Bank to discuss any matters like most credit card companies operate when a bill is late. 
Today I spoke with XXXX and I let him know that I was going through my emails today and I received a message from Synchrony Bank asking for my zip code to retrieve the letter. I have attached a copy to this letter. The letter stated that my credit was decreased to what I owed XXXX dollars. Synchrony Bank never contacts me by phone or sent a bill in the mail. The representative said they sent me a text message. I never chose text messages as an option for contact. Text messages to a customer 's phone are so unprofessional for a company to use. Synchrony Bank is using other tactics to downgrade customers ' credit scores because they can't report unless they are 30 days late. The representative stated the department that handles the delinquent accounts found me to be a risk after a week and a couple of days late. They never contact me by phone or by mail to my address to discuss any matters or resolved issues. I have not used the care credit card. If Synchrony Bank would use the proper point of communication they would find out the correct information pertaining to why I didn't make the payment due to my illness and I forgot. The customer is ill and forgot. This letter of complaint is being copied and I am going to get the media attention because this is a violation totally. They sent a letter on the same day they decreased my credit to cover their back by email I would never discover the letter from Synchrony Bank if I wasn't looking for a medical bill that a company called about and asked if they could send the EOB by email so I could print it out. Synchrony Bank letter was in my Spam Mail. I spoke with the Bank months ago when I put the first complaint in and asked to be contacted by phone calls and mail Only. I have attached the letter. This Company is a Scam!
Consumer complaint received 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

XXXX XXXX, XXXX, and Equifax are reporting an account transaction from XXXX XXXX XXXX which is a result of identity theft. I am not engaged in any business with the collection company and have never signed any contracts with the collection company. I have already notified the credit reporting agencies of the identity fraud and they are willfully failing to block and permanently delete the account transaction from my credit report and file. The reporting of this transaction is causing injury to my household and hindering my access to credit.
Consumer complaint received 2023-08-08
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: Atlanticus Services Corporation (NC)

In Accordance with the fair reporting act, this creditor has violated my rights. Under 15 USC 1681 section 602 states that I have the rights to privacy. 15 USC 1681 section 604 ( A ) section ( 2 ) it also states that a consumer reporting agency can not furnish an account without my written instructions. Also under 15 USC 1666 ( B ) a creditor may not treat a payment on a credit card account under an open and consumer credit card as a late payment for any purpose. I request that all late payments to be removed from my credit report according to my rights mentioned above. Thank you in advance for your help in protecting my rights.
Consumer complaint received 2023-08-08
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: Marlette Funding, LLC (NC)

In Accordance with the fair reporting act, this creditor has violated my rights. Under 15 USC 1681 section 602 states that I have the rights to privacy. 15 USC 1681 section 604 ( A ) section ( 2 ) it also states that a consumer reporting agency can not furnish an account without my written instructions. Also under 15 USC 1666 ( B ) a creditor may not treat a payment on a credit card account under an open and consumer credit card as a late payment for any purpose. I request that all late payments to be removed from my credit report according to my rights mentioned above. Thank you in advance for your help in protecting my rights.
Consumer complaint received 2023-07-10
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: EQUIFAX, INC. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-09-17
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. (GA)

This Person ( XXXX XXXX XXXX has never received written/typed or any kind of instructions from me to furnish my data information. While it is your companys policy it is by FEDERAL LAW that their company policies must abide by. With out receiving a written letter of any form you have subjected yourself to committing IDENTITY THEFT. I've disputed information XXXX furnished to my consumer report I did not give written permission to. THEY HAVE VIOLATED MY RIGHTS ALSO UNDER THE FDCPA UNFAIR PRACTICES. AS STATED UNDER THE CIVIL LIABILITY IN THE FDCPA, AVANT ARE LIABLE FOR A FINE UP TO XXXX XXXX DOLLARS FOR EACH VIOLATION. AS I HAVE DOCUMENTED EVIDENCE UPLOADED.
Consumer complaint received 2023-08-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (OH)

XXXX Was the original complaint filed on approximately XX/XX/XXXX. I sent a certified debt validation letter to Jefferson Capital asking for a completed signed application of the alleged debt owed plus dates within the timeframe of 30 days. This alleged debt was from 2018. I never received anythingThey tried to ruin my credit. I filed a complaint on XX/XX/XXXX and thought it was settled on XX/XX/XXXX with their response to stop collecting and remove this alleged debt from all 3 credit reports. This collection remains on my XXXX credit report. I had considered this matter closed only to find they did not keep up their end of the bargain. I want This remedied immediately. I have attached the XXXX report showing it still remains along with the teosinte form Jefferson Capital stating they would remove and stop collection efforts. I should not have to be dealing with this again. I trust when someone says they are going to to something they keep their word.
Consumer complaint received 2023-08-07
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc. (TX)

Good afternoon I am looking into loan forgiveness for the my loan. It was with XXXX XXXX- is there any assistance available at this time. Since the school is no longer open and never assisted me in finding employment.
Consumer complaint received 2023-10-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NV)

On XX/XX/2023 I received an alert from Chase bank regarding suspicious activity. I advised them I did not enact the transaction of two wire transfers. Chase advised they would be monitoring my account more closely and my password was reset by the rep. 
On the morning of XX/XX/XXXX, XXXX wire transfers went through. I contacted Chase immediately and a claim was submitted and my checking account was frozen. 
I was told i would have to go directly to Chase bank in order to open my account so I could have access to it. 
I went to the bank the following morning and was told no one was available to assist me in any matter. 
An appointment was made the Monday of XX/XX/XXXX. 
At this time my checking account was changed from frozen to restricted, meaning no monies could be taken out but any credits and refunds would be accepted. 
A new checking account and savings account were opened. And new cards were issued for the checking account and 2 credit cards I have in the account. 
At this time as well the rep contacted the fraud department and this is when the rep informed me the claim was denied because they could not confirm it was fraud. 
The reason they claimed no fraud was because the transaction occurred in the same geographical area. 
What does that mean? Just because it did not occur internationally, its not considered fraud? 
I also mentioned that the 2 transactions on XX/XX/XXXX had referenced names and XXXX XXXX. Which had been reversed by Chase during the call on XX/XX/XXXX. 
The 7 seven transactions were also to XXXX XXXX and had one of the same names referenced. 
The rep said he would escalate this issue and I would receive an answer by Friday of that week. 
I called Chase on XX/XX/XXXX and was told the claim was declined again. 
These transactions are fraudulent and Chase will not do anything further. 
These transactions overdrew my checking account and since I have overdraft protection the monies were transferred from my savings account to the checking account. 

These transactions are on on record with Chase I have lost {$1900.00} and transfer fees of {$170.00}. Total {$2100.00} Please look in to this matter and I hope to have this resolved with the monies that should been considered as fraudulent. 

Thank you. 

XXXX XXXX