davidheineman/consumer-finance-complaints-large huggingface dataset:
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 — Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NJ)

Vehicle was turned back in on XXXX, XXXX. All final settlements and payoff were completed by XX/XX/XXXX. Nissan Lease Trust / XXXX XXXX continues to report that payments are still being made through XX/XX/XXXX on XXXX. On XXXX there are reporting payments made through XX/XX/XXXX. On XXXX they are reporting a Collection on XX/XX/XXXX and payments made through XX/XX/XXXX. 

Incorrect payment status across all three bureaus. 

Account status is inconsistent across all three bureaus. 

Closed ( XXXX ) Paid ( XXXX ) Derogatory ( XXXX ) Nissan refuses to look into it. Credit disputes have not helped. 

Please remove this fradulently and illegally reported information.
Consumer complaint received 2017-11-06
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 — Investigation took more than 30 days
Company: NATIONSTAR MORTGAGE LLC (IN)

I FILED CHAPTER XXXX BANKRUPTCY ON XXXX XXXX, 2017, CASE NO. XXXX AND NATIONSTAR FILED TO ADHERE TO COLLECTING ON SAID DEBT, AND KEEPS REPORTING INACCURATE DATA TO ALL BUREUS AND STILL IN NOT REPORTING TO XXXX.
Consumer complaint received 2023-02-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TN)

In XXXX, XXXX XXXX XXXX XXXX XXXX, who is now XXXX, had our home refinanced through Wells Fargo Mortgage Company ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; for verification, I do have documentation of her living will. My name is on the deed, not on the mortgage loan ). After passing away in XXXX, I inherited the home, in which I am currently residing. At the time of her passing, I had called numerous times to WFMC concerning the loan and trying to refinance the home in my name. They never returned my calls; all I got was auto voice, transferring me from one person to the other. Still, I wasn't able to talk with anyone. By the way, I am of the XXXX XXXX XXXX XXXX XXXX XXXX. I did get mail correspondences informing me to call such phone numbers and talk to persons. When I did, no response ; only voicemail and so forth. As a result of this whole scenario that I went through, I had to declare bankruptcy because of my job situation and payments were getting behind. I didn't appreciate how WFMC treated me as a customer. They could have cared less. Even through the bankruptcy process, I had to pay the escrow on the mortgage, and not to mention, they increased the payments while under XXXX. I did make the payments, faithfully, so much until they threatened foreclosure. I was not a happy camper. I will be more than happy to send documentations of this by faxing or mail or emailing.
Consumer complaint received 2024-04-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NC)

I opened a checking account with Chase Bank on XX/XX/XXXX and started transferring funds into the account. I transferred {$5000.00} from my XXXX XXXX checking account and deposited XXXX government checks, XXXX from the VA for {$43.00} and XXXX from the IRS for {$80.00}. 
On XX/XX/XXXX I transferred another {$1200.00} from my XXXX XXXX account into my new Chase Checking account. I received a letter in the mail on XX/XX/XXXX ( the letter dated XX/XX/XXXX ) with a subject line To protect against potential fraud, we restricted your account and may close it soon. In the letter it says I may be able to provide information to keep the account open and that I should call to resolve this problem. 
I called Chase on XX/XX/XXXX and the representative said my was restricted due to the XXXX check government checks labeled department of treasury. I was told I need to provide the letters that were mailed with the checks as proof of legitimacy and to take this information to a Chase Branch and they will remove the restriction on my account. On XX/XX/XXXX I went to Chase Bank and representative had to call the specific department that put the restriction on my account. Despite the checks, my IDs, and the verifying letters proving legitimacy, that chase department said it doesnt matter at this point, we are already closing the account. They told me I could reopen a new account once they close this one. Chase said the account wont close until XX/XX/XXXX and then they would mail me a check for the balance in my account. 
I tried to explain that I transferred all my money into this Chase Account and setup all my bills for automatic payment, which XXXX bills were pending at this point. Chat would not allow me to access any money ( gas, food, etc ), would not allow the branch location to close the account their with me present, and did not care at all about the situation they put me in.
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (HI)

Target allowed for fraudulent transactions for card I did not receive. 
They have credited the account, but are illegally reporting late payment for items that were not mine. I have never been late on this card. 
Correct this in a timely manner or I will bring action for damages for false reporting.
Consumer complaint received 2024-04-17
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: Sigue Corp. (TX)

Sigue started having issues with international banks and clients were sending money via their program. The money sent was being cancelled by the banks or sigue themselves. Sigue did not issue a refund to our account. They owe us {$2700.00} dollars. When we spoke with multiple representatives about 3 months ago, they stated a check was mailed with the amount owed. The check as never received. No one responds on any of the phone numbers available.
Consumer complaint received 2017-04-05
Product: Bank account or service — Cashing a check without an account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (CA)

I deposited our son XXXX state and federal income tax checks into my chase liquid bank account, because he asked me to do him the favor of cashing his checks for him because he is in the XXXX. And they blocked and closed my account ending in XXXX. So I asked them why they were doing it and they said that they did n't have to tell me anything. So I asked them to please just give me our son XXXX checks back and they said that they were going to deposit them into my account, and I told them that I thought that they just closed my account. And then I told them that they ca n't just rob me without a XXXX for our son XXXX money like that, and they said that they could do whatever they want and I ca n't do anything about it. They even blocked me out of my phone app for chase. I ca n't even log in to see if my money is there any more. I had to get embarrassed at work because I had to notify them that they ca n't straight deposit my pay now. They already verified my final deposits and payments, and they still have n't sent me the remaining balance along with a final closure notification. Please help me resolve this issue? Thank you kindly ...
Consumer complaint received 2023-05-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Albert Corporation (NC)

I never received a physical debit card from this company but I did have a virtual card. 
My phone was stolen then replaced. 

I noticed several fraudulent transactions. I have attached the claim forms for review. 

Im owed {$900.00}
Consumer complaint received 2024-04-17
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (SC)

Investigate Immediatley the Illegal Consumer Fraud Horrific Financial Fraud At USAA Federal Savings Bank In Triple Visa Indemnity Without Termination OF ALL VISA CREDIT CARD ACCOUNTS by WRITTEN DSCLOSURE USAA Bank Reported This Malisiuos Identity Theft Attack by Telephone Contact To The Claimant on XX/XX/2022 Without Written Disclosure As Required by Consumer Lending Fraud And The FBI In XXXX XXXX Requires The CFPB Omnibudsman To Require Immediate Termination Of All Fraudulent Visa Accounts in XXXX XXXX XXXX Due To Freedom of Information Act Violations on XXXX Credit File Expungment of This Illegal USAA Credit Card on XX/XX/2022 XXXX XXXX XXXX XXXX Due Process of Law
Consumer complaint received 2023-06-12
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I am being charged an interest rate for a credit card that exceeds the legal limit set by my state, on my Kohls store credit card. 

My interest rate exceeds XXXX XXXX  %, the limit in NJ. I am being charged on 30.74 % on purchases. 

The criminal usury limitations ( N.J.S.A. 2C:21-19 ). In New Jersey, it is considered criminal usury if a lender charges an interest rate of 30 % or more to an individual, or 50 % or more on an entity ( a corporation, limited liability corporation, etc. )
Consumer complaint received 2022-12-12
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. (LA)

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 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TD BANK US HOLDING COMPANY (CA)

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-08-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY (CA)

We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT In XXXX, a Well Fargo Bank Employee had fraudulently opened a checking, savings, and credit card account without my authorization, this account then moved to collections department and eventually sold downstream through collection agencies to XXXX XXXX XXXX XXXX XXXX which have been attempting to collect since XXXX, where attempts to serve a notice to a previous outdated address resulted in the court moving forward to a judgement against me, my wages were garnished in the amounts of {$940.00} from a previous employer and {$1400.00} I have attempted to reason and explain the situation with the representatives of XXXX XXXX XXXX XXXX XXXX to drop the collections attempt of a fraudulent account and return my funds they have taken from me.
Consumer complaint received 2023-03-05
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. (GA)

Sent out multiple disputes with all the proper documentation XXXX XXXX XXXX and they still won't do and proper investigation. But still remain the fraudulent account and inquiries on my credit report. Now I'm demanding proof of their full investigation with all the supporting documents showing that all information is correct or else removed from my credit report immediately.
Consumer complaint received 2022-11-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY (CA)

XXXXXXXX XXXX XXXX charged me {$440.00} for car towing and key replacement on XX/XX/2022. THE CAR WAS NEVER TOWED AND THE KEY WORKED UPON MY RETURN. I disputed the claim to American Express on XX/XX/2022 and they decided in XXXX 's favor even though : 1. The services XXXX charged for DID NOT HAPPEN 2. NO DOCUMENTATION SUPPORTING XXXX 'S CLAIMS CAN BE PROVIDED ( e.g. receipt for towing -- the burden of proof is on XXXX to prove that these fictional services actually happened rather than me having to prove that they didn't happen ). 

As a matter of fairness, I request that the charge for {$440.00} be refunded to me. 

Thank You For Your Time, XXXX XXXX and XXXX XXXX
Consumer complaint received 2023-03-01
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: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

I have requested a certified copy that ensures that the contract and all information sent is accurate and has been done through the presence of a certified notary company who authenticates and is duly operating under the laws that swears the copy made is in fact a copy of the original paper contract with the company in question. 
I have also requested the following below : 1. Provide a Certified copy of authorization signed by me, naming your company as having my consent to report to my credit file. 
2. Provide a certified copy of all information related to the Original Creditor and 3rd party creditors who were given permissions to report on my credit report. 
3. Provide all accounting information, from the date the account was opened, all payment history, amount and details, source of payments as well as dates, every charge, every purchase, every refund, every negative credit, all amount associated with this account, I am requesting this matter be resolved by deletion of account immediately for which this is the 3rd attempt for your company to provide all requested information. This company has yet to provide any validating information that was requested. This account needs to be Deleted and removed from my credit report. 

According to the law : 15 U.S.C Section 1681i ( a ), if you can not provide the requested proof, this account must be deleted and removed from all sources that holds this information immediately. I am also asking that all results along with validated information be notarized and sent by mail with an updated copy of my report and all changes including deletion or updates. In accordance with the following, I am exercising my rights ( Fair Credit Reporting Act ) ( 15 U.S.C 1681 Section 602A ) ( 15 U.S.C 1681 Section 604 Section 2 ) as well as others. In result of deletion, please assure it is deleted from all 3 agencies this account has been reported which are as follow : XXXX, XXXX, XXXX. All 3 must show accuracy from verified and validated the reported update accounts or deletion of account.
Consumer complaint received 2023-02-11
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # ending XXXX, has violated my rights. 

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
Consumer complaint received 2024-04-17
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc (VA)

On or about XX/XX/2024 I came to XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX. I proceeded to use XXXX and tried to purchase for almost an hour for XXXX with no avail. The site just got stuck each time resulting in the circle spinning and eventually timing out. I finally called XXXX and was told by the agent that the price was no longer available and it would now be XXXX for a XXXX night stay at this hotel. Meanwhile I was refreshing the page over and over explaining to the agent that you cant advertise something then say its another price when it hasn't been removed for the lesser price. The agent was not helpful and instead insisted I should not be upset with him it was not his fault and maybe I should try to call Technical Service Dept another day. He did not say anything about the original transaction going thru and I do not believe it did because I have called XXXX over 8 times and no one can even find it. I called the hotel and explained that I was being charged XXXX hotel loan fees and were they sure there were not XXXX confirmations. after finally getting very frustrated and the lack of I went ahead and ended the call and proceeded to book the same hotel for the same price on XXXX. I used Affirm for the transaction and was charged {$30.00} for the down payment twice for the XXXX transaction that wouldn't go thru and again when I finally made the purchase with XXXX. I contacted affirm later and let them know the item was not purchased thru booking so I would need a refund. I have sent Affirm several dispute emails and they are currently still trying to bill me for what was deliverfronted. Affirm has been of no help nor has XXXXThe best help I received was from the hotel desk who confirmed that XXXX confirmations would not have went thru. I cant stay at the same hotel the same nights and would not pay twice for the same 3 day stay. Affirm owns the loan for both XXXX  and XXXX and I have sent them everything and every email from when I have contacted XXXX neither are trying to acknowledge that I did not pay twice for same stay but affirm can plainly see this is for the same date and keeps billing me for XXXX stays when services were not received by XXXX. I was charged for XXXX transactions and only one service was provided. After the 3rd dispute with Affirm I have no recourse. I am being forced to pay a loan for services not received and confirmed by the hotel.
Consumer complaint received 2023-07-10
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: MoneyLion Inc. (CA)

On Saturday, XX/XX/2023 I received a notification via email ( from my XXXX credit account ) that there was a hard inquiry made by XXXX XXXX. I called them to dispute and they said it was a personal loan application made through Money Lion ( a company like XXXX XXXX ). I did not apply for a personal loan. This was a fraud. 

I placed a freeze on my social security number and have already contacted XXXX regarding the fraud. I was told by both XXXX and XXXX to file with FTC to get this off of my credit report ASAP. 

I am going to call the other 2 credit bureaus today.
Consumer complaint received 2023-06-09
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

Hello my name is XXXX XXXX my social # is XXXX I'd like to ask if you can delete any negative impacts on my credit file under law FCRA ... collections ... late payment or any derogatory items please.Thank you.
Consumer complaint received 2023-06-15
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. (NC)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX WY XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$3400.00}.
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: LEXISNEXIS (IL)

On XX/XX/2023, I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and I got a letter stating The United States Bankruptcy Court does not report any information to the credit bureaus. So if that is the case, how did the credit bureaus verify my bankruptcy as 100 % accurate? They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 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.