davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I'm trying to get access to new lines of credit, but a previous situation with Capital One and XXXX is impacting my overall credit-score. 

This incident happened in XXXX, 2022 with Capital One ( XXXX XXXX ) consumer credit card payment that was delinquent for over 60 days. This ( XXXX XXXX ) Capital One CC was transitioning over to XXXX XXXX responsibility during that time, and would no longer be under Capital One going forward. 

* This change caused confusion on the consumer side. 

* In addition the above change, this issue was further compounded since we recently moved and underwent an address change during that time and missed the notification entirely. 

My wife and I share responsibility for the payments, and tied to the card. There was a small {$65.00} charge that personally I was not aware of and went unnoticed for over 3-Months and is a poor reflection and major derogatory mark on my personal credit score. 

When tried to resolve the issue, they were not willing to help and made things extremely difficult to resolve. I was so frustrated, I closed the account with them and did not move forward with the new responsible party of XXXX.
Consumer complaint received 2022-11-29
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. (GA)

I have asked the companies to verify and validate these accounts and the companies still fail to do. These are unauthorized account on all three of my credit reports below. Equifax has unknown accounts on my credit report that Im asking to be deleted! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Unknown, Acct XXXX 's XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX,
Consumer complaint received 2023-03-17
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. (TX)

I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

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

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

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2017-09-18
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION (NJ)

I have been patiently dealing with aggressive business tactics from an unorganized company named Sallie Mae. I have been actively trying to find some type of resolve because sallie mae constantly calls my phone, as well as my co signer ' phones, so much so that it feels like harassment. I graduated a year ago in XX/XX/XXXX 2016 and when the time came for me to start paying my loans back I was being asked to pay over {$800.00} dollars a month which was completely impossible for me because I was fresh out of college working for $ 9-10 an hour at local retail businesses. I had to request forebarence until I could figure out a better repayment option. This became a trend because sallie mae refuses to lower my payments. I tell them I am not able to pay over {$800.00} a month and they ask for my co-signer. I told them multiple times my co-signer could only help a little bit and yet they still keep trying to force me to make these absurd payments. This has gone on for too long now and it seems like the situation is getting worse. Most recently, I tried to get an income driven repayment plan and somehow that made my monthly payment go up to over {$900.00} a month. I am living at home with family and I am not able to afford even half of this and I voice this concern quite frequently yet it goes ignored. I have had multiple issues with their employees over the phone. One example being when I requested another forbearance, the associate entered my card information incorrectly when taking the payment for {$150.00}. This caused an error in the process because their system and staff understood this mistake as me not having enough money in my account. This error also caused a negative action to my co-signer 's credit. It was discovered via recorded phone conversations that the mistake was actually made by the sallie mae employee. Sallie mae never contacted us and made us aware of what was going on. After a few days went by and I had not heard anything back I had to call sallie mae. When I called, I was infromed they concluded the mistake was made on their end. They were also supposed to be fixing my co-signer 's credit report and they did not inform us of any of that information either. We had to periodically call to receive updates. When it 's time to make a payment I receive at least 3-5 calls a day from sallie mae representatives, but when they make an error that negatively effects my loan status as well as my co-signer credit report we do n't hear from them for days? This is just one frustrating example out of the many ; all which can be proven via notes, and phone recordings in their system. I fear I may have to take legal action against sallie mae soon if the manner in which they do business does not change.
Consumer complaint received 2020-08-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2023-08-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (PA)

On XX/XX/2023 I went to my Chase bank and withdraw the XXXX dollars for my bills. By XX/XX/XXXX I begin to get really ill having low energy in complicated to breathe. On XX/XX/XXXX Ive had the same symptoms but it worsen so I decided to take a XXXX  test which tested positive so I decided to go to the ER ( XXXX XXXX XXXX ) I was there for several hours where they gave me an x-ray and another Covid test that tested negative, but sent me home with an XXXX XXXX  and some medicine XXXX XXXX XXXX XXXX XXXX. I was also told to get plenty of rest by the doctor I didnt leave the hospital until XXXX or XXXX XXXX  the next morning XXXX XXXX it wasnt until XX/XX/XXXX. I received a email stating I had low funds in my account so I check my account and realize that over {$3100.00} was gone and I instantly begin to call Chase customer service, which they connect me to, another department that handles fraud after speaking to a rep they reassured me that I will be getting my funds back and that this will go under investigation. I received all of my money back but by XX/XX/XXXX I got another email stating that my account was negative {$3100.00} so i call customer service for the second time and they connect me with fraud department again and thats when I was told that their investigation concluded that I was a responsible for my missing monies. After further speaking with the agent, he told me what I needed to do in order to overturn their decision, which was to get document stating my whereabouts on certain dates, these dates are supposedly the days that someone withdraw money out of my account. However, they never gave me a XXXX XXXX for these dates. They just gave me the days. So two days out of the several that was given to me I actually provided paperwork showing I was in the ER. I provided that paperwork on XXXX XXXX and by XXXX of XXXX I called to see was there any updates on the investigation and thats when I was told that I needed something more specific, more like a doctors note stating the day and time I was at the hospital. I really didnt understand that because for one, Im not sure if a doctor would even give me a note and two if he was to then itll be the exact same thing that was already on my discharge papers so I explained that to the rep and in but so many words they told me I wasnt getting my money back so now thats why im submitting a complaint.
Consumer complaint received 2023-08-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (GA)

I disputed two transactions on my Wells Fargo Business Checking account on XX/XX/XXXX totaling {$2900.00} to two separate merchants, both a XXXX XXXX and XXXX  store. I did not make or authorize these transactions and have no knowledge of how these transactions came to be. I did lose or misplace my debit card, and I reported it to Wells Fargo immediately. Wells Fargo issued a credit to the account which I was gracious for because we run a small business and every dollar does matter. 

On XX/XX/XXXX the claim was reversed. I was not provided any additional information, no option to further dispute or escalate, and no recourse from the bank. I contacted Wells Fargo on the XXXX  of XX/XX/XXXX ( which happens to also be my birthday ), and spent two hours on the phone being transferred from department to department, but no one was able to provide me with further information, no one was able to further escalate my claim, and no one was able to help me to determine next steps. 

Unfortunately, this {$3000.00} is enough to put XXXX XXXX XXXX XXXX XXXX I have a XXXX  to pay, and I can not do it without being able to deposit payroll funds into my account. This amount is more than my entire payroll. It is disheartening and frustrating that Wells Fargo, such a large insititution which claims to care about it's customers but I am being offered no assistance and no one is able to help me to resolve this very important matter. We XXXX XXXX XXXX do not have the financial cushion some other larger businesses may have, and I am sure to a company that processes billions of payments this is just one amount for one customer but it is everything to us.
Consumer complaint received 2022-11-21
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. (NE)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX  XXXX XXXX, XXXX XXXXXXXX, XXXX Original Creditor : XXXX XXXX ) XXXX, and XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX have 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 an account without my written instructions.
Consumer complaint received 2023-03-17
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. (NY)

XXXX  XXXX XXXX is reporting derogatory information onto my consumer report that needs to be removed. I didn't give consent to XXXX  XXXX XXXX to share my information with a non affiliate third party. The Gramm Leach Bliley Act 15 USC 6801 Says that a financial institution is not suppose to share nonpublic personal information to a third party. XXXX  XXXX XXXX Bank are furnishing " Charge Off '' accounts onto my consumer report. The IRS definition of charge off is income. Income is not supposed to be furnished onto a Credit report. XXXX  XXXX XXXX did not clearly and conspicuously give me the option to opt out of credit reporting as it states in the Gramm Leach Bliley Act. I am asking XXXX  XXXX XXXX to Cease and Desist all communication through any and all mediums unless it is for a specific remedy that i am invoking. The telecommunication through any and all mediums would be telephone, email, social media and any consumer report. This Notice is pursuant to 15 USC 1692c. The Term communication pursuant 15 USC 1692a ( 2 ) means the conveying of information regarding a debt directly or indirectly to any person through any medium. This alleged debt directly onto my consumer report which is a form of communication and i need this charge off account removed. This is als a direct violation of 15 USC 1992d ( 1 ) as my consumer report is my reputation and because this derogatory is being reported and causing harm to my reputation i am entitled to compensation as per USC 1692 ( k ) of monetary relief of ( {$1000.00} ).
Consumer complaint received 2023-08-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (NY)

Bad information about my college enrollment status. My loan servicer ( Nelnet ) has inaccurate enrollment dates listed on my account, so I can not apply for an income-driven repayment plan or PSLF forgiveness before repayment begins. I graduated on XX/XX/2023 and completed Exit Counseling as instructed ( on XX/XX/XXXX ), but my status still states that I am In School. I expect to begin repayment in XXXX and do not want bills to be back-created on a standard repayment plan that I do not want. I want to switch plans but can not do so until this has been corrected. I have spoken to multiple representatives about fixing this, from Nelnet and my former university, and have not received any proper update. I have no physical documentation as all interactions have been via phone call.
Consumer complaint received 2023-03-17
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: VW Credit, Inc (VA)

Complaint against Audi Financial Services : Excessive delay in releasing title. 

We paid off our lease in XX/XX/XXXX - six months later Audi has yet to release the title. As a result we have not been able to rewew our registration - due XX/XX/XXXX. We are forced to risk driving an unregistered vehicle or pay for extended car rental and will likely encounter fines for delay in registration when we do get the title. 
We have folllowed up with Audi Financial Services regularly - approximately every 1-2 weeks and have received shifting explanations, shifting timelines for releasing the title and no resolution. The explanation offered is, per conversations and a letter dated XX/XX/XXXX is " we are currently updating our titling process which may cause a delay in processing times. '' A six month delay is unacceptable and negligent, bordering on fraudulent business practice and we are seeking immediate release of the title.
Consumer complaint received 2023-08-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (FL)

Good afternoon! I opened an account at Citi Bank using my personal phone number, which I still own to this day. The account with the phone was opened for me at AT & T. On XX/XX/XXXX my account was restricted due to two XXXX transfers. On XX/XX/XXXX, I called Citi Bank in the fraud department, according to the letter I received. I called more than 30 times, they tried to verify me using my phone number ( which I used when opening my account ). They could not verify me because they said that this number does not belong to me. Although I have confirmation from AT & T that the number and account belong to me. When I called again on XX/XX/XXXX, a bank employee told me that they sent me a letter with a verification code by mail, although I myself am outside the US, on treatment. My mom checks my mail. They assured me that the letter would arrive in 5-7 days. After 10 days there was no letter. I called again, already another employee told me that I had to wait 10-12 days. When asked how to verify in another way, the employee hung up. I called many times with a request to verify in a different way, since there is still no letter, I was refused. All my money is in my blocked Citi bank account, I can't pay bills and other payments because they hold my money. Please help me. What i need to do now?
Consumer complaint received 2023-04-06
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MO)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX Balance : {$360.00}.
Consumer complaint received 2023-05-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: REGIONS FINANCIAL CORPORATION (MS)

On XX/XX/XXXX  two transactions {$1000.00} and {$500.00} was debited against my checking account using myXX/XX/XXXX account and sent to two XX/XX/XXXX merchants : ( XXXX XXXX*XXXX, recipient email address : XXXX ) & "XX/XX/XXXX). I had XX/XX/XXXX loaded on my then XXXX XXXX XX/XX/XXXXand it was linked to my Regions debit card on file at the time and in my dispute with my bank I explained that my XXXX XXXX was stolen. As I explained to Regions bank that My XX/XX/XXXX was hacked into using my stolen XXXX XXXX XX/XX/XXXXand transferred funds to the above mentioned XX/XX/XXXX merchants unauthorized by me. To further explain, on XXXX XXXX my purse containing Region debit cards, XXXX XXXX card & other Bank debit cards, cell phone XXXX XXXX, other credit cards along with my XX/XX/XXXX XXXX XXXX was stolen XX/XX/. I had to get a new phone on XX/XX/XXXX, an XX/XX/XXXX XXXX due to my XX/XX/XXXXXXXX plus was stolen. Also on XX/XX/, I received a Text message from Regions Bank stating '' asking if I authorize " XX/XX/XXXXw/ Regions Debit Card #??? & I responded in text stating " NO '' and with all that they still say I authorized these transactions. 
On XX/XX/2022 the XXXX police department was dispatched & upon arrival on scene, a police report was filled, report # XXXX, XXXX XXXX XXXX was assigned to case. On Saturday XXXX XXXX, I went early to local Regions bank & spoke to bank representative explaining my situation of checks, debit, Visa cards being stolen and she started the process of closing my then checking account and opened a new checking account and issued me a new regions debit card. I have disputed these transactions XXXX XXXX  thru the XXXX XXXX department and stated that I did not authorize these two transactions of {$1000.00} & {$500.00} and I am not satisfied with their resolution of stating " Our review found that the transactions appears to have been authorized. '' I have several supporting documents to provide to support his claim.
Consumer complaint received 2023-08-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (TX)

I made a mobile deposit to Truist Bank with my payroll check to my checking account on XXXX before going into XXXX. After XXXX and getting home I checked and realized the money hadn't posted and said may have a hold I called at that moment to Truist bank the lady I spoke with said she didn't see a hold but if one showed the next day to call back so I could receive help. The next morning on XXXX there was definitely a hold I was told that I wouldn't have access to my funds until the following Friday XX/XX/11, so I called spoke to a supervisor she told me she couldn't do anything to help me because the account was new and I did a mobile deposit. She said what I could do was go into the branch speak with the branch leader and see if they could help me. So even though I just had XXXX I went to the branch to get some help. I was left waiting for over an hour even though I had explained I just had XXXX that didn't seem to matter. When XXXX the branch leader came out. We went to his office he told me that mobile deposits where out of the branch hands, this happened in XXXX sometime and unfortunately customer service sends people into the branch they can't do anything for them. He proceeded to call his operations leader where they said the something that because the account is new and I did mobile deposit nothing could be done. I let them know by doing this and not even making a part of the funds available if the whole check couldn't be made available was going to put me in a hardship. I'm not able to pay rent, put gas in my car, or buy groceries for me and my family. All I got was I'm sorry. No other options or resolution had been made available to me. So from Friday XXXX to Fri XX/XX/11. I have no money to operate with my kids start school and I have no access to anything. I have had to go to a food bank, sell things in order to get enough to try and live for the time they placed a hold on my paycheck. Both sides of the operation is blaming the other with no resolution for the customer who is left between the two. There was no warnings or statements before depositing the money via the mobile deposit that this would happen.
Consumer complaint received 2023-03-17
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. (LA)

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. 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  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 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.