davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-30
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. (OR)

I purchased a {$500.00} visa gift card from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  for {$500.00} ( {$500.00} for the gift cad, and a {$5.00} activation fee ). THe gift card had {$0.00} funds on it. I attempted, over the course of several months and at least 10 phone calls, to resolve the issue with XXXX ( who issues the gift card ). They never provided a replacement card with funds on it. I disputed the transaction on my credit card. CITI labeled it as " did not receive a service '' and requested documentation from me. I sent them documentation explaining that it was a gift card that was sold to me with {$0.00} in funds on it. I included pictures showing the defective card ( which had paper over the barcode, which is what made it unusable ). CITI closed the dispute and claimed I did not " prove '' I never received the service and that I had not responded to their requests. I attempted to reopen the dispute, and they did the same thing again. THey have not specified what documents they woudl need -- I was sold a product, but was never give that product. To continue to bill me for this is fraud.
Consumer complaint received 2023-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Nelnet, Inc. (CA)

I was apart of the Department of Education 's lawsuit XXXX XXXX XXXX and as a result, several of my student loans were dismissed. However, the Department of Education and NelNet continue to report the closed accounts on my credit report. I have contacted both companies over XXXX times since XX/XX/XXXX and I am always told to give it 30 days and the older, closed accounts should not appear on my credit report. 

Here we are in XX/XX/XXXX, and several old closed accounts are still being reported. Since they are closed, they should be removed from my credit report!
Consumer complaint received 2023-06-16
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: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiri

es 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.
Consumer complaint received 2023-10-17
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: SANTANDER HOLDINGS USA, INC. (FL)

I purchased a vehicle from XXXX and I paid it off the first month, then about a month later I received a letter saying I overpaid {$100.00}. Chrysler Credit then included a debit card that said it was loaded with that amount. I activated the account and when I went to the gas station I went in the store as required. The attendant tried every different way to use it but it didn't work. I just want a check sent to me with that amount {$100.00}. I never wanted a debt card and at the end of the year they are going to charge me {$3.00} per month. I don't know if this is a scam or not, or they are trying to take advantage of seniors. I see nothing on their website where I can tell them about this problem. Please cancel this debt card
Consumer complaint received 2018-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HW Holding, Inc (CA)

I became aware when I checked my credit report that this debt collector under the name of HUNTER WARFIELD INC. has reported incorrect information that I owe the amount {$1500.00}, I have sent a notice of state and federal validation of debt.
Consumer complaint received 2024-04-23
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: Bread Financial Holdings, Inc. (AZ)

I have been trying to resolve this issue with XXXX XXXX  since XX/XX/2023 since the day this charge posted. I could not getting anywhere with them as they wanted me to provide proof of my payment. I finally got a hold of XXXX XXXX XXXX to investigate themselves which they did. The company states they had their treasure department investigate and they refunded my card the purchase and I would receive it within XXXX to XXXX days still no correction. I have saved the voicemail with all the information stating my credit card was refunded also provided the contact info to XXXX XXXX even though I paid the charge to protect my credit I didnt owe it. The party who made the error credit it but I never received it.
Consumer complaint received 2023-01-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY (CA)

Had a auto loan with Wells Fargo Auto XXXX. XXXX received lots of notices, bills and calls regarding payments, extra fees owed. I started paying double and extra payments once I secured high paying job yet still I received calls about money due. Statements never added up to my calculations.
Consumer complaint received 2023-11-05
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Problems receiving the advance — 
Company: WELLS FARGO & COMPANY (IN)

I recently won a default judgment recently in the XXXX  XXXX XXXX XXXX against the XXXX  XXXX XXXX XXXX XXXX XXXX in XXXX at $ XXXX to $ XXXX. See attached. 

I went to XXXX University XXXX, and I think that I will get around $ XXXX from the breach of contract. 

I am wondering if you can get a loan for $ XXXX or more, or what you may allow. 


XXXX XXXX. XXXX ( XXXX Cong. ) ( XXXX ) found lawless persecution by terrorism for XXXX 's XXXX XXXX as a descendent of XXXX XXXX XXXX XXXX I and XXXX I because XXXX is XXXX the Top 1 % of the United States net treasury contributors . 42 U.S.C. 1981, 1982, 1985, & 1987.

The contracts-in-law ( United States Constitution, applications, other powerful contractors, etc. ) ministerial duty requires WellsFargo to help assuage and bring to an end this persecution. WellsFargo is a fellow contractor with XXXX XXXX XXXX XXXX through the XXXX, its local businesses that it represents, and the United States, the XXXX ego ; good faith and fair dealing requires reasonable performance per my disclosure to you. Third-parties can enforce contracts. WellsFargo has a corporate duty as a quasi-governmental entity to aid XXXX 's judicial victory. 



XXXX XXXX the Clerk of Court can verify the court, and his honors phone number and website are below. 

Phone : XXXX XXXX XXXX XXXXXXXX Please e-mail me back, and I will be able to call you. 

I've had over {$200000.00} probably in loans for XXXX XXXX  and XXXX XXXX XXXX XXXX, and they are paid off. 

Please email me rather than calling me. 


Best, from the Basis of the United States, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX United States of America ( XXXX ) XXXX XXXX CONFIDENTIALITY NOTICE : This e-mail message, including any attachments, is for the sole use of the intended recipient ( s ) and may contain confidential and privileged information or otherwise be protected by law. Any unauthorized review, use, disclosure or distribution is prohibited. If you are not the intended recipient, please contact the sender by reply e-mail and destroy all copies of the original message.
Consumer complaint received 2024-04-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC (CA)

I am XXXX XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, XXXX, and XXXX. Please update/block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.
Consumer complaint received 2023-06-16
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: EQUIFAX, INC. (NJ)

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.

The letters are stated with items and issues.

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 2023-09-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (TX)

I have been repaying Navient for over 30 years. This loan started when I was under XXXX and I am XXXX now. It cost just under {$9000.00} to pay the balance, which Navient now claims is over {$9000.00}. I told them that I didn't want to be in debt for the rest of my life and although {$9000.00} plus was more than I could afford to repay as a lump sum I would appreciate their considering a smaller amount so that I could put this behind me. They emailed me instead with instructions to repay over {$9000.00} within 10 days, claiming that was as long as the offer was good for. I feel like the federal government shouldn't be in league with XXXX XXXX.
Consumer complaint received 2023-09-12
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MoneyLion Inc. (GA)

So I didnt know that there was even a debt because the way that they set up the loan they make you pay everything ahead so they wrote off XXXX and some dollars worth of a debt and they left left {$50.00} on the deck, but there was only two payments left and they were like XXXX bucks or something so realistically they didnt lose any money and I saw that it was reporting to my credit for {$51.00} so I sent them a check for XXXX I notify them that they got the check. I got proof that they cashed the check but they have not reflected on my account that it was paid nor have they remove the account off of my collections and credit bureaus because they agreed that if I paid the {$51.00} that they remove the collection of my account. They never have done this and its been over 30 days.
Consumer complaint received 2023-09-12
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (NC)

Hello- I have a private student loan with Navient ( was SallieMae ). It was 2006. The school is The XXXX XXXX XXXX XXXX. The school is closed and has been for a couple of years. There was a lawsuit against the school and we the students won. My federal student loans were removed completely. 

The private loan was suppose to be removed as well and it did not. 

I do Not have a transcript, a degree, anything from the school due to the fraudulent activities they did. 

Navient is not looking into this matter and is ignoring my concerns and responses. 

The loan isnt paying off anything or towards any education received or earned. Navient removed personal loans from other students but not me. 

Please help!
Consumer complaint received 2023-09-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: BMW Financial Services NA, LLC (UT)

The loan is through XXXX for an auto loan on a XXXX XXXX. I have been trying to get into the website since XXXX to make a payment. The website wont open ; the message states : the resource you were looking for has been moved, had its name changed, or is temporarily unavailable. I have tried several different ways to access my account with no luck. I have contacted the lender at XXXX and received an auto answer that the institution is closed for unforeseen reasons. I have also contacted the Mini dealership who was unaware of the problem. 

Have not received any communication from XXXX and, obviously, concerned.
Consumer complaint received 2024-04-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (MI)

Attempted to make a payment on my loads on XX/XX/2024. The payment took a few days, then on the website it read that the payment was received. After about a week, I noticed no money had been pulled from my checking account. I checked EdFinancial again and the payments were reversed and I was past due. Upon contacting them, they told me my banking information was incorrect, but it was not.
Consumer complaint received 2023-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (PA)

I provided all the documents, I still can not get my address verified with them, or for them to send me my free annual report. Please work with me. See documents. Please confirm. My address is on the bank statement from XXXX XXXX XXXX
Consumer complaint received 2023-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Per the FCRA, I am a federally protected consumer. According to the law, consumer reporting agencies are to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. TransUnion and XXXX are classified as consumer reporting agency, and I by definition am the Consumer. Pursuant to 15 U.S Code 6801, it is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. XXXX XXXX per 15 U.S Code 6801 is defined as a financial institution ; of which I am sure the U.S. Department of Justice, the U.S. Department of Housing and Urban Development, the U.S Securities and Exchange Commission, and the Office of the Comptroller of the Currency [ would ] consider any information that this institution engaged in illegal credit practices before the end of the institutions next performance evaluation. XXXX XXXX is in violation of 15 U.S Code 1681a ( 2 ) ( A ) ( i ). XXXX XXXX is under the regulation of many laws and as previously mentioned one of those is the FCRA, which states the term consumer report DOES NOT INCLUDE any report containing information solely as to transactions or experiences between the consumer and the person making the report. Pursuant to 15 U. S Code 1681c ( a ) ( 5 ) the publishing of any adverse item of information should not be on any consumer report. It clearly states except as authorized under subsection ( b ), 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. This is a violation as they are reporting these items without my permission. 15 U.S Code 1681e states every consumer reporting agency shall maintain reasonable procedures designed to avoid violation of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title.
Consumer complaint received 2023-06-16
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: EQUIFAX, INC. (MN)

The following accounts currently listed and showing on my XXXX, Equifax and XXXX XXXX credit report are not my accounts : XXXX XXXX XXXX XXXX XXXX XXXX balance : {$330.00} and XXXX XXXX XXXX XXXX XXXX XXXX XXXX , balance : {$330.00}. I never applied for or received any credit card from XXXX XXXX XXXX XXXXXXXX XXXX or XXXX XXXX. Full Name : XXXX XXXX XXXX, DOB : XX/XX/, SSN : XXXX
Consumer complaint received 2023-04-13
Product: Credit card or prepaid 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 (GA)

USAA is unlawfully withholding {$9300.00}. They mistakingly processed {$9300.00} return to an external bank when {$9300.00} should have been issued to me, as per their procedures. AND then they refuse to correct the problem, thus misplaced MY {$9300.00}. 
I want my {$9300.00} back to me, and I want criminal charges against USAA for illegally holding my money.
Consumer complaint received 2018-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BB&T CORPORATION (AL)

These companies are doing hard inquiries on my credit reports whenever the feel like it. there are no information on these companies except for the names which are " XXXX XXXX '', " XXXX XXXX XXXX '', and " XXXX XXXX XXXX  XXXX ''.
Consumer complaint received 2023-09-12
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE (TX)

This is regarding Barclays XXXX credit card program. My case # is XXXX XXXX XXXX XXXX. 
I try to redeem part of my points saved for travel credit on XXXX XXXX at XXXX. I clicked the statement credit tab by mistake. Instead of going to the travel credit page, it leads me to a balance page with a " continue '' tab. I clicked and suddenly they redeemed my whole XXXX XXXX miles saved over the last 10 years. 
I called immediately to credit card customer service within XXXX minutes of this website navigation error. I was told that this can not be reversed. 
They claim it is policy guidelines and refused to correct it. I saved this over 10 years and lost it within XXXX minutes! 
Apparently statement credit ( which is redeemed like cash ) is XXXX the benefit of travel credits ( Statement credit is {$0.00} for each $ while travel credits is XXXX point for each $ ). If you have XXXX points, statement credit gives you {$50.00} against your current credit card balance whereas travel credits will give you {$100.00} against your travel ticket bought on the credit card. 
This is not even a merchant transaction on the credit card. Even if I purchase something by accident, most merchants will honor reversal within XXXX hours. This is only less than XXXX minutes when I ask for reversal. 
The credit card company is being totally unfair.
Consumer complaint received 2023-09-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CA)

We purchased our vehicle from XXXX XXXX XXXX XXXX  XXXX for {$30000.00} check and {$20000.00} loan, as we were promised to get helped with paperwork, warranties, insurances, everything that happens to the car in 7 years. 

However, when the accident happened on XX/XX/2023, we found out that XXXX didn't help with paperwork for insurance even though he called our insurance XXXX and printed our insurance slips. 

XXXX XXXX XXXX XXXX XXXXXXXX have knowingly induced discriminatory price and mislead consumers. Without being misled, we would have refused XXXX and XXXX XXXX XXXX 's high price and worked directly with our insurance. We have been purchasing automobile insurances for 19 years, since we started driving in the XXXX. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-11
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I applied for a Pottery Barn/Capital One Visa Key Reward card via online application. Two accounts were opened in error by Capital One. I called to close one of the accounts. The first representative was not authorized to close the account. To confirm there were no other accounts opened she requested my full SSN to do a manual search. She then forwarded me to another account specialist. The second representative requested my gov issued photo id. I refused as I had no validation that the first rep hadn't sent me to some other fraudulent company. With my SSN and my photo id my identity could have easily been stolen. I refused to provide the id but offered to provide any other information to complete the validation. She told me there was nothing she could do and that the account would not be able to be closed. I requested to speak with a manager. I was forwarded to a manager who ultimately closed the account. Capital One should not a ) make it this difficult to close an account, and b ) should not require information that can be used to steal someones identity as verification.
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Trans Union wrongly charged {$29.00} and even did not provide any Credit Report. I requested then that it is usually free and Trans Union charged me and one in Chat asked we will refund you. And then referred me to another Chat representative and they denied to give me back my money. Unfortunately I even did not get any Credit Report either. There is no link to print or save Credit Report. So I got my report from another website annualcreditreport.com. 
Trans Union 's way of business is white collar crime type. Unfortunately around 13 years earlier they charged me wrongly the same way but at time I was not aware to where to complaint. I request your good-self to bound Trans Union to make much clear to their website so people could avoid from such kind of malpractice of Trans Union XXXX