davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: SANTANDER HOLDINGS USA, INC. (MA)

On XX/XX/XXXX Santander withdrew {$10000.00} from my XXXX XXXX XXXX. I had requested the transfer from XXXX XXXX on Santander 's website. I have accounts with both banks. The money left my account with XXXX XXXX but never made it to my account at Santander. 

On XX/XX/XXXX I called Santander customer service, and again on XX/XX/XXXX. On each call, I was given conflicting information about where my {$10000.00} was and how I would get it back. 

On XXXX I called Santander Customer Service again and was told they had no history of withdrawing the money, or that I had requested the transfer. 

On XXXX I went to the local Santander Branch in XXXX. The local rep spent an hour calling different departments within Santander and finally, it was resolved that I would receive my money on XXXX. 

On XXXX I never received my money. 

On XXXX I went back to the local branch at XXXX XXXX XXXX in XXXXXXXX XXXX They told me there was nothing they could do and to go to XXXX XXXX. XXXX XXXX has been helpful all along and has told me they can't request the money be recalled as Santander pulled the money. 

I had the local police come to the local branch to help encourage the branch manager to escalate the issue. She was unable to do anything to resolve the situation. ( XXXX XXXX was on speakerphone during the entire time. ) I then called the fraud department with Santander and had XXXX XXXX on the call. After XXXX minutes the fraud department said they would file an internal complaint. They will not issue me a provisional credit, even though I brought this to their attention on XX/XX/XXXX and this is over the 10 days they are required to refund me the money per Reg E.

The representative from Santander ( fraud specialist # XXXX ) ultimately said she was putting me on hold, but actually hung up on me.
Consumer complaint received 2023-10-12
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

On XX/XX/2023, I applied for Capital One XXXX XXXX XXXX and was denied. I called into the reconsideration line and provided 15 USC 1691 in response to the declination of my business credit application. They would not reprocess the application manual and advised me to wait the approbate time and reapply at a later date.
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX XX/XX/XXXX Capital One XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, UT XXXX PROOF OF LATE PAYMENTS Dear Capital One, I am writing to address the reporting of late payments on my account with your company. According to your records, there have been late payments on my ACCOUNT # XXXX XXXX : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX : XXXX, XXXX, XXXX but I am requesting proof of mailed statements and separate disclosures for the dates you are reporting as late. 

As stated in 15 USC 1666 B Timing of Payments, a creditor must be able to prove that a late payment exists. The law states that 21 days before the payment due date, the creditor must send out a notice containing information from section 15 USC 1637 B Statement Required with Each Billing Cycle. This notice must be mailed or delivered within 21 days of the payment due date. It is imperative that you provide evidence that a statement was sent within the required timeframe in order to treat a payment as late. There are also certain disclosures that are supposed to be provided 21 days prior to my statement due date. These disclosures are separate from the statement. 
Please provide me with proof of these monthly disclosures you provided. 
Failure to comply with the procedures outlined in the FCRA ( Fair Credit Reporting Act ) has resulted in several violations of my consumer rights. I am in the process of concluding my paper trail before taking legal action. I urge you to update the credit reporting to reflect that the debt is PAID/NEVER LATE. 
I would appreciate your prompt response to this matter and ask that you cease reporting this debt as late until you can provide the requested documentation. Thank you for your attention to this issue. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (NJ)

Wells Fargo sold my private property to a 3rd party intervenor without my consent to do so. Then the 3rd party went & furnished damaging data about us that another Person uses as discrimination. 
I tried to resolve and cure this matter several times but Wells Fargo is out for blood. 
Wells Fargo never sent me the original contract I asked for. 
Wells Fargo also never balanced there books with me. I believe they have evaded the tax when it comes to my Private PropertXXXX.
Consumer complaint received 2017-09-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP (NJ)

I spoke to a manager to figure out a way to get my mortgage back on track. We have a large lump sum of {$55000.00} to put down and we agreed to pay the rest in 3 months along with our mortgage payment and he was sending the paperwork in the mail. That was in the beginning of XXXX XXXX. He called me back a week later and said he was going to email it to me, I never got it, not in my spam, so I call like he said and left a message, still no call back from him or my representative and I 've left numerous messages. My first payment was supposed to be XXXX XXXX. 

I do n't know what else to due.
Consumer complaint received 2024-04-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NJ)

XXXX XXXX never called back per the company policy regarding XXXX requested callback. I had to physically walk into a branch to again speak with the branch who knows nothing about the executive office 's doings just to get connected on the phone with XXXX XXXX form the executive office who ended up saying " this takes time ''. 

It has been XXXX weeks, XXXX hours in a XXXX  day, XXXX hour per day, period. So within that XXXX hours, nothing has gotten done. I just received a call from XXXX who asked me to provide some additional per the claims department... but upon calling the claims department, I was transferred back to the " executive office ''. This company is spinning me for a loop and playing games with me on purpose, employing delay tactics, and would not do their job correctly.
Consumer complaint received 2023-10-05
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. (VA)

TransUnion lowered my credit score XXXXXXXX points this morning because they claim I'm not carrying enough debt. Do you believe that? I haven't had a missed payment in at least XXXX years ( and that was because a bill got lost in the mail ). TransUnion has held my score at XXXX ( like XXXX ) for years. And during that time, I've had the same XXXX credit cards, I've banked at XXXX XXXX XXXX  for XXXX years, and now Transunion claims I need to carry more debt, put purchases on my credit cards, apparently make minimum payments, so they can justify not XXXX my XXXX XXXX. Priceless. I've been on the phone with them several times today, and they hung up on me XXXX times. I guess that's how they resolve complaints. Please help me solve this dispute because I'm not going to get any from TransUnion. Thank you in advance.
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

PERMISSIBLE PURPOSES OF CREDIT REPORT 15 US CODE 1581B EXPERIAN IS VIOLATING MY RIGHTS BY ALLOWING THESE ACCOUNTS BELOW REPORT ON MY CREDIT REPORT,

 I HAVE NO AGREEMENT, PAYMENT HISTORY AUTHORIZATION TO REPORT ON MY CREDIT FILE.  
RENTDEBT AUTOMATED 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.  I HAVE A COMPLAINT FILES WITH THE FTC TOO.,  SEE ATTACHMENT INCLUDING THESE ACCOUNTS.
Consumer complaint received 2022-09-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I did not authorize any of these XXXX  charges from my bank account ( see attached ). A Total of {$6900.00}. Capital one insist theres no error and they said they would send me documentation and they still havent. I called back and now theyre saying I have to wait 5 days for documentation. Its also weird that all of a sudden all of their emails are going straight to my junk email. Ill also like to add that my identity was stolen via XXXX a few years ago and my protection expired recently.
Consumer complaint received 2023-10-02
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: WELLS FARGO & COMPANY (NY)

Wells Fargo mailed a credit card to the wrong address. As a result an unknown person obtained cash benefits from a Wells Fargo XXXX and a Wells Fargo ATM. Wells Fargo refuses to classify the transactions as XXXX, however they do admit that the card was in fact mailed to an address other than my address.
Consumer complaint received 2023-06-28
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SYNCHRONY FINANCIAL (ID)

I purchased a furniture set from XXXX XXXX  and financed it via Syncrony Bank. In my error I paid this account in full twice, once through my bill pay which I forgot I put it in there to be paid off and then I received the statement in the mail the next day and called in the payment in full, When I realized I paid this account twice in full, I immediately called my bank XXXX XXXX, my bank then told me they could not stop either payment but they would give me a temporary credit until I receive a refund from Syncrony Bank. Well, it was an absolute NIGHTMARE! attempting a refund from Syncrony Bank, it took many many calls and three way calls with my banker. Months later I did receive a refund check from Syncrony Bank, at that point I deposited the check and my XXXX XXXX Bank reversed the temporary credit I received from them. Months later I then start receiving statements from Syncrony Bank stating I owe this account, it was never paid ( Not only was it paid it was paid twice in full and NEVER late ), thus began my nightmare of the last year fighting them that I do not owe this money : my Banker has talked with them telling them I do not owe this bill, I have sent them my bank statement showing I do NOT owe this bill, I also sent them my statement I received from XXXX XXXX reflecting a XXXX balance. I also, spoke with XXXX XXXX and they confirm I do not owe them anything and my account has been paid in full. I Have placed many many many long and frustrating phone calls to Syncrony Bank in which I get no resolve and I am met with very Nasty customer service representatives!!!! I have had some say " oh yeah I see this was paid in full, not sure why you are receiving statements ''. Syncrony Bank turn this in to my credit as a debt collection, which I received NO notification they were doing! I have filled a dispute with the Credit Bureau, providing them my bank statements reflecting I paid this account twice and it reflects my eventual refund from Syncrony Bank, I also provided them with my XXXX XXXX statement showing a XXXX balanced. This has truly caused me great anguish and stress!!!!
Consumer complaint received 2024-03-05
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: Experian Information Solutions Inc. (PA)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-11-03
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc (CA)

I purchased tickets through a ticket vendor and used Affirm.com to use the installment option to [ pay off the ticket over time in XXXX. 

At the time of the concert, the XXXX XXXX had no record of purchase - the tickets were not released ( I did not attend the concert ) I contacted Affirm a number of times to address the issue, but they were unable to resolve the issue- every time I called it to seem I was making a new request- not giving me a confidence level that the issue was being addressed. 

Today I received a charge office notice. 

My request from Affirm was to confirm that I received the ticket from the vendor- I leveraged not to pay the cost of the ticket because I was disputing the charge and was not confident if I paid and the issue was resolved, I would be reimbursed based on my interaction with Affirm- I have used Affirm many times and have not had any issue with payments for merchandise and services I have received. 
Loan number XXXX {$330.00} The document uploaded shows the # I was given to retrieve the ticket shows the ticket did not exist
Consumer complaint received 2023-09-13
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. (MA)

Credit card is showing on my account that a court has issued a judgment in MY FAVOR. This account needs to be removed. The company stated in the last complaint it was removed but it is still showing.
Consumer complaint received 2023-10-12
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: AMERICAN EXPRESS COMPANY (GA)

A charge for {$510.00} was made to our American Express credit card at XXXX on XX/XX/2023. 

We did not make this charge. It was the day before we left on a big trip, and we are quite confident that we did not visit XXXX on this date, nor did we place any online or phone order with XXXX. 

We gave this information to American Express, but they refused to credit the charge. No information or documentation was provided for the refusal. 

Separately, we contacted XXXX 's to ask them for an itemization of what was purchased, and they refused to give us that information.
Consumer complaint received 2023-04-14
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. (NV)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX  XXXX Balance : {$60.00} XXXX XXXX XXXX XXXX Balance : {$8900.00} XXXX XXXX XXXX Balance : {$37000.00}
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

For a year I have been disputing accounts on my credit report with Experian. They send me the same form letter back over and over again. They are accusing me of using a credit repair company. I am NOT using a credit repair company ; I am disputing for myself. I have proven this to them several times. They just continue to send back the same form letter.
Consumer complaint received 2018-04-13
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: Experian Information Solutions Inc. (NY)

After a recent pull of my consumer reports I noticed the furnishing of inaccurate information being reported that is damaging my credit score tremendously. After I disputed it, the information came back verified. However one look at the supporting documents clearly show it is not accurate. I also disputed with the furnishing company but to no avail.

This is a junk debt buyer who is furnishing a 1 month term even though I have no agreement with them. They are also reporting failed to pay every single month in an attempt to damage my credit, even though I've never agreed to pay them anything. They are also reporting a past due balance which a junk debt buyer can not do. A collection should be reporting as such. The account statues also states closed on two reports and open on another. It is the furnisher and consumer agency who is responsible for reporting accurate information.
Consumer complaint received 2023-04-06
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: EQUIFAX, INC. (LA)

I am a natural person, I am a living human being, I have rights under the 15 USC 1681. 

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

XXXX XXXX XXXXXX/XX/XXXX Equifax XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX XXXX  - XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax
Consumer complaint received 2023-09-30
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: GOLDMAN SACHS BANK USA (PA)

I am giving authorization to this company to respond to this cfpb complaint. I have requested that this company cease the reporting of the account stated in the attached dispute letter due to federal violations. Pursuant to the IRS Publication XXXX any cancellation of debt is considered a certificate of indebtedness and its now income. Income can not be reported per the IRS publication. However, this company did NOT honor my request for removal. This violates the Fair Credit Reporting Act and both this company and the consumer reporting agencies are participating in this violation. Additionally, as a financial institution, they did not disclose to me my right to opt out of the disclosure of my nonpublic information or directions on how to exercise my right to opt out as dictated by law. I sent them a letter notifying them of my request to be opted out of my nonpublic information being furnished to consumer reporting agencies pursuant to 15 U.S. Code 6802 and 16 CFR 313.7 in which they have denied my right. Instead, they stated that they do not offer their customers the option to opt out which is a direct violation of federal law ( s ) as they are REQUIRED to give opt out disclosures. As a federally protected consumer I am now revoking any and all authorization that I, the consumer, may have given them written, non written, verbal, and nonverbal per 5 U.S. Code 552a and I am demanding that my nonpublic information cease to be furnished. If this matter does not get settled, I will pursue litigation for damages.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2023-08-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Westlake Services, LLC (GA)

The dealership up and closed I believe they went bankrupt. My transmission went bad and I found out the warranty I had qas no longer any good. After this some company calles Westlake started calling and demanding payment but my contract was void at this oint because the Warranty I aid for was bo longer valid.