davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-16
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (NY)

I work for myself. A recent client was over a week late. Several ACH payments came in. I was charged a whopping {$34.00} for EACH as opposed to the bank just kicking them back. There is NO way to opt out of " overdraft protection. '' They call it protection, we call it abuse. I would rather have charges declined. Asked. They will not do it. Further, they only waive a maximum of {$100.00} per YEAR in these overdraft fees. It's entirely unfair. These must come down to just a few dollars. XXXX XXXX has enough money.
Consumer complaint received 2024-01-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (MN)

On XXXX, my Wells Fargo ATM card was compromised. I notified WF within the hour of this occurrence and requested that my ATM card be cancelled and a new one issued. After waiting over a week for a new card and not receiving one, I called WF to ask where it was. I was informed that a new card hadn't been ordered. I was concerned about my account being vulnerable but was told not to worry because my account had been frozen. WHAT?? I hadn't asked for that, and I have most of my bills on automatic payment. I told them to unfreeze my account, cancel my ATM and send me a new one. Which WF did. 
I thought all was well, my bills were paid in XXXX and XXXX. 
On XXXX, I paid my 2 XXXX credit card balances. One card is due on the XXXX, the other on the XXXX. A week later, my XXXX dXXXX XXXX XXXX XXXX was declined. When I called XXXX to inquire why, they told me my account had been closed. WHAT?? I had paid my accounts early, so why was it closed? XXXX told me they had tried 3 times to collect from WF and was declined, so they closed the account. I won't go into how infuriated I was! XXXX didn't contact me that they closed the account, I could have paid the balance with a XXXX XXXX account. But my issue is with WF. I called WF to find out why my XXXX card wasn't paid and was told that my account had been frozen. WHAT?? I had neither consented or was notified that my account had been frozen. I couldn't believe it! I asked why it was frozen and COULDN'T BE PROVIDED AN ANSWER! I was transferred multiple times and explained my situation multiple times to different WF personnel but still couldn't be told why my account was frozen. One guy suggested that my account wasn't properly reopened in XXXX, so it was again frozen. WHAT?? I have spoken to no less that 10 WF employees and STILL haven't been given an explanation. I have been contacted by WF by phone and letter that my account was frozen last XXXX because my ATM was compromised. I KNOW THAT. Still nothing about XXXX. WF sent me a mediation form and I filled it out and was contacted by phone this morning by a WF mediator and after I told him my situation, he said that my case doesn't really fit into his department. He deals with fraudulent accounts or activity with WF. SO, I STILL don't have an answer. I even went into a branch and spoke directly with a banker and she couldn't figure it out. XXXX asked for a letter from WF stating that my account was frozen not by my direction. In other words, the denied payment to XXXX wasn't my doing. 
WF refused to give me such a document. I decided I didn't want to do anymore business with WF so I closed my account on XXXX or XXXX of 2023.
Consumer complaint received 2024-01-26
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Flandreau Santee Sioux Tribe (FL)

Took out a loan for {$650.00}. Ive already paid them {$970.00}. They are requesting another XXXX in interest.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Lendmark Financial Services (NC)

The payments that are being reported on my credit profile violate my consumer rights under FCRAconsumer law 15 USC 166B. As a long-time customer that has had an exceptional payment history with LENDMARK, I am appalled that they will violate my consumer rights in such a manner that is detrimental to me achieving a good credit profile which affects my approval chances for other accounts.
Consumer complaint received 2024-01-25
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: U.S. Collections West, Inc. (AZ)

I had an eviction in 2019 because I refused to pay one month 's rent because the management of the rebate where I lived did not take their part in fixing things that were broken in the house that I had to fix on my own and When I went to court the final decision was that I would pay the amount I owed for one month 's rent plus the accrued interest and this collection company that I hired to manage that rent is charging me another XXXX that I have nothing more to pay them, I have a letter that is the decision and the final adjustment of what I owe that the judge reviewed the case and that is what I am going to pay. There are no additional charges for damage because I delivered everything clean, returned the keys on time and never They returned the deposit. If they don't remove the debt they put up to benefit from taking advantage of the fraud, I'm going to seek legal help. Here I attach the form of the adjustments that were made to what I owe from the beginning, if they remove those XXXX unfairly repeated that I see on my credit report with XXXX I can not start with a payment plan, otherwise I will take the case to court for the alteration they are making and the injustice they are committing
Consumer complaint received 2024-01-25
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL (FL)

On XX/XX/XXXX Placed order for XXXX XXXX XXXX XXXX for a Total of {$75.00}. On XX/XX/XXXX received message from amazon that they were unable to delivery the item to me. I placed a second order for the same item and requested a refund for the first order. 
On XX/XX/XXXX chat with amazon customer service agent to request the refund, the customer service agent said that I will receive the refund and a confirmation email in the next 3 to 5 business days. After many days that I did not received the refund I called several times and they always said that I will received. Because I never received the credit I disputed the purchased to Synchrony Bank, spoke few times with Synchrony Bank and submitted few times all the information and respond two times when they give 10 days to answer. Until today XXXX I have not received the credit from amazon or Synchrony Bank Credit Card. See attached correspondence with Synchrony Bank and US Postal receipt for sending the information they requested.
Consumer complaint received 2024-05-16
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MS)

This company Portfolio Recovery Services calls every day from XXXX to XXXX including on XXXX and XXXX. I have disputed this debt several times to no avail. They sent me information on this debt that I did not know about. The amount that they are saying I owe them is {$2000.00}. I have sent a letter asking them for a signed purchase contract with a wet signature stating that they had my permission to access my personal information and I have yet to receive it. I've lost my fiance ' and my daughter 8 months apart and this has proven to be very stressful. If I had any inkling that I owed this debt, I would have paid it by now. This company has been relentless.
Consumer complaint received 2023-08-27
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. (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. 
I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : 1. The following account is not mine XXXX  Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

2. The following account is not mine XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

3. The following account is not mine XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

4. The following account is not mine XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

5. The following account is not mine XXXX XXXX XXXX of inquiry : XX/XX/2021 Please remove it from my credit report. 

6. The following account is not mine XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

7. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

8. The following account is not mine XXXXXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

9. The following account is not mine XXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

10. The following account is not mine XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

However, they stated everything was complete and accurate. How is that possible if the open date, date of the last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that arent reporting correctly.

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 item of information, other than records of convictions of crimes, 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.

Also, they arent even in compliance with metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2022-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX To : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX, FL XXXX ACCOUNT # XXXX NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability. 
Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 
YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). 

You aren't licensed in Georgia Delete this account. 
You didn't apply the notice of dispute to the credit report in the appropriate time frame, which is a violation of the FCRA. 
DELETE THIS ACCOUNT PLEASE! 

Please send a check for {$100000.00} paid to me, to my address listed above.
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: HUNTINGTON NATIONAL BANK, THE (OH)

I was in a car accident on XX/XX/XXXX and my vehicle was totaled. I worked with insurance to pay the vehicle loan off. Under my insurance claim, XXXX checks were coordinated with the bank and then issued by XXXX on XX/XX/2024 and sent to Huntington National Bank for the total loan payoff amount to release the title. On XX/XX/XXXX and even exactly XXXX day after my loan due date, I called in to customer service to check on the status of the loan payoff as my loan was not delinquent and I wanted to avoid negative credit reporting and fees. Per my discussion with a customer service representative, they informed me that there would be no issue with billing, and that I should not take any action on my loan or make any payment myself. 

However, I received a notice on XX/XX/XXXX that my loan was sent to collections, I received a {$35.00} fee, and a negative credit reporting result as they reported my loan account delinquent. The information provided by the customer service representative misled me. The outcome was unfair and deceptive. I paid the loan off in full later that same day on XX/XX/XXXX, inclusive of the {$35.00} fee. On that same day I also disputed the fee, and I disputed the negative credit reporting, on account that the actions taken by the bank in misleading and then punishing me caused me harm and could not be reasonably avoided by me, since I was following the direction of the bank representative. 

In answer of my dispute, I received a letter on XX/XX/XXXX, which was dated XX/XX/XXXX, that the information reported to the credit bureaus was accurate. First, I do not doubt the information is accurate and that was not the nature of the dispute. Second, I disagree with the bank 's decision to charge me a fee and to report the negative credit information anyway as the whole situation was unfair to me.
Consumer complaint received 2023-11-09
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. (DE)

On XX/XX/XXXX through the CFPB I submit a complaint of the inaccurate information on my credit report to Experian and asked that they send me the original contracts with my signature and address since on their site it have different addresses that I cant delete and I never lived their. Experian has yet to supply with with the original copies yet they keep telling me that they verified the information to be exact. I would like for Experian to provide me with the original copies of the original contract to ALL NEGATIVE ACCOUNTS PERTAINING TO ME THAT THEY PUBLISH ON THEIR WEBSITE WITH THE ADDRESS THAT I SUBMIT IN YHE FILES.! This is my 4th complain via CFPB and has yet to get a resolution. How can Experian say they investigated the complain without providing the original contract. How can you establish a burden of proof without the original copy. I would like for Experian provided the source, the investigation method and their validation of proof .Im requesting proof of an original contract with the and signature from me at XXXX XXXX XXXX XXXX XXXX XXXXXXXX, also for address XXXX XXXX XXXX XXXX Ny, XXXX. Also for address XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I want all original contracts provide with the above addresses and with my signature requesting also that Experian pay for the damages they are causing me mental stress! Im in the process of getting a lawyer to sue for damages.
Consumer complaint received 2024-01-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

I submitted a dispute with 5/3 for two checks that were fraudulently written and cashed from our homeowners account in XX/XX/XXXX. It is XX/XX/XXXX. During the holidays, I missed this while checking our HOA account. They are now saying because the dispute was placed 30 days after the related statement end, it's denied. I called the bank the second I received a letter from them that our account had been overdrawn, and am now being punished for waiting too long? It doesn't make sense. 

The Case ID I submitted with 5/3 is Case ID XXXX for a total of {$3000.00} ( two checks ). The first check was cashed on XX/XX/XXXX for {$1500.00} ( to someone named XXXX XXXX who I do not know ) and on XX/XX/XXXX for {$1500.00} ( to someone named XXXX XXXX who I do not know ). 

I do NOT know the people to whom the checks were written, and do NOT know the person who is listed as the return address on the checks. The bank was provided copies of both of these fraudulent checks.
Consumer complaint received 2024-01-25
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (NY)

I contacted the number on the back of my American Express Corporate gift card and they advised me that it is not their issue. They say you can use the card where ever the card is accepted however I am unable to use it since last year. I have been trying to use the card at XXXX which accepts the card however American Express keeps declining the card. I spoke to their customer service on XXXX XXXX XXXX and they will not help. They keep saying that it is a security issue yet is can not use the card that I have used on XXXX previously. I have read online tat this is happening to a lot of people and American Express will do nothing about it.
Consumer complaint received 2024-01-25
Product: Vehicle loan or lease — Loan
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: HYUNDAI CAPITAL AMERICA (NC)

On XX/XX/XXXX I visited XXXX XXXX XXXX XXXX XXXX NC to purchase a new XXXX XXXX XXXX. The loan was written with Hyundai Motor Finance and include GAP insurance. On XX/XX/XXXX I traded in the above XXXX XXXX XXXX and the loan was paid off in the amount of {$48000.00} on XX/XX/XXXX with no additional balances owed. I began contacting both XXXX XXXX of High Point and Hyundai Motor Finance to cancel the optional GAP insurance product to receive a prorated refund and I have not received any solution. Multiple emails ( 2 ) and calls/voicemails ( 10 ) were made or sent to XXXX XXXX beginning XX/XX/XXXX that went unanswered until XX/XX/XXXX, which is when I was contacted by XXXX that he could assist. I signed the required documents that day and the request was submitted. Contact History attached Both of these businesses have continued to play the telephone game with Hyundai Motor Finance knowing nothing about GAP refunds and each keep telling me to contact the other and I have since been told by XXXX at XXXX XXXX that the insurance has been cancelled however funds can not be released to me even though I am entitiled to the refund. I have been advised that they are waiting on direction from Hyundai Motor Finance on how to distribute the funds, however as of XX/XX/XXXX they have not received a response to their submission on XX/XX/XXXX. I inquired as to why no one has reached out to Hyundai Motor Finance and I was told that they are watching it in an online " portal '', I assume like watching paint dry. Neither company is doing their due diligience to ensure the refund is being provided to me in a timely manner which is creating harm. I was told by XXXX that the refund has to go back to Hyundai Motor Finance so they can then in turn return the money back to me however that has not been done. So I requested the check directly since the loan is paid in full and Hyundai is no longer owed any funds. I have technically paid the GAP to Hyundai Motor Finance in full and am due the funds directly. I am unsure as to why there needs to be funds sent to a loan that is now closed.

I have been told by other Hyundai dealerships that Hyundai Motor Finance does not handle GAP refunds at this time and should go back to the initiating dealer. XXXX XXXX seems to be the only dealership that is not aware and is making it difficult. I feel at this point they are hoping I forget and they can keep the money that is owed to me.
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: FC HoldCo LLC (FL)

Flagship acceptance shows an inquiry on my credit on XX/XX/23 I DIDNT APPLY FOR THIS ACCOUNT, I WAS A VICTIM OF THEFT, MY IDENTITY WAS COMPromised, Most people will say this is petty, but i have an awesome score and take great pride in my credit. Im asking for an immediate removal of the inquiry from my credit report.
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC. (CA)

38 Inquires never requested by me. Letter Sent to XXXXXXXX XXXX  and XXXX  for removal still not successful. Santander Consumer, my car was sold and paid in full with XXXX balance still shows a negative remark and balance and looks like its credit and not a car loan. Needs to be removed completely.
Consumer complaint received 2023-12-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I have tried to correct my personal information, The consumer agency was suppose to update my personal information but when I received my consumer report it was not updated. Therefore, the information that's on file is incorrect. I would like to have my information updated. I can't get a consumer report from XXXX because I never signed up to get my report because the security questions are not mine and I informed them of that as well. I was told there is nothing they can do.