davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: American Credit Acceptance, LLC (OH)

On XX/XX/21, I did a consumer credit transaction with XXXX XXXX XXXX dealership and extended my credit with a finance charge through American Credit Acceptance. Im the original creditor extending my credit using my credit card ( SSN Card ) pursuant to 15 USC 1602 ( L ) but the creditor fraudulently financed me a car through this process. Pursuant to 15 USC 1605 ( a ) the finance charge which should have been included within my credit transaction, should be the sum of all charges. According to my calculations, the total of the finance charge should be {$4300.00}. I was never given copy of my XXXX XXXX XXXX XXXX. I only have the cash price of XXXX, with GAP insurance {$1100.00}, tax {$1300.00}, that the dealership gave me in the amount of {$19.00}, 670.00, plus {$15.00} title fee, registration fee {$20.00}, minus down payment of {$3700.00}, with a balance due of {$17.00}, XXXX. See exhibit A from the dealership and copy of my welcome letter as Exhibit B from the American Credit Acceptance, that the charges are {$15.00}, XXXX above the lawful sum of all charges of {$4300.00}. This completely inaccurate and unfair credit card practice that undeniably goes against this sub chapter of the TILA ( Truth In Lending Act ). The finance charge section is completely not stated on my original paperwork and according to USC 1605 ( a ) ( 5 ), this is fraud and this contract is now void.
Consumer complaint received 2022-02-21
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

I currently have a Bank of America credit card that was used fraudulently in XXXX, Bank of Americas own fraud department called me to ask me if I knew these purchases which I replied no somehow the charges still went thru, I dipusted them and got the charges credited now months later their denying the claim saying I did this. How??? This is is crazy I even got new cards sent this is so unfair please help me Im a single dad and cant afford the bills I already have to add more.
Consumer complaint received 2022-02-22
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)

Someone opened an account on XX/XX/2022 and took {$900.00} installment loan from Moneylion using my bank account information. An amount of {$19.00} was charged to my account on XX/XX/2022 that got my attention. I already disputed this to XXXX XXXX to stop the collection from my account. There will be a $ XXXX  monthly payment that will be charged on my account later on.
Consumer complaint received 2022-02-21
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: Experian Information Solutions Inc. (TX)

I did not authorize any of the listed inquiries below and request that they all be Deleted from all three credit reporting agencies. Thank You. 

Inquiries Creditor Name Date of inquiry Credit Bureau XXXX XX/XX/2021 XXXX EXPERIAN XXXX XXXX  XX/XX/2021 Experian XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 Experian
Consumer complaint received 2022-02-20
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: Neon Newco Corporation (CA)

I have a prepaid Netspend debit card. I have often seen lots of small charges ranging from XXXX to {$1.00} on it charged in places I'm not in and at times I'm somewhere else. ( I can verify this ). Netspend has told me those are someone checking in to see my balance, they claimed to be unable to do anything about it, and they had me purchase a new debit card. I did so and changed the PIN number. 

But nothing changed. I signed up for the text alert when my card is used and that's where I am now. 

At XXXX XXXX Pacific XX/XX/2022 today, when I was at home in XXXX, I got an alert that my new card was charged for {$30.00} at a XXXX  in XXXX XXXX. I only know this because I was sent a text alert. This charge wiped out my account. I was at home in XXXX when I got the alert. XXXX XXXX is far from my home. 

I am working class poor. {$20.00} of that {$30.00} was going to go to groceries that I planned to get tomorrow/Sunday. 

I immediately went to the Netspend " dispute charge ''. That page wouldn't load ; I got a 404 error. The 404 error happened the last time I went to the Netspend account to dispute a false charge. I couldn't call because their call center is closed. I will call in the morning when they're open during my time zone. 

I think Netspend and its associated XXXX is complicit in fraud. I need help, please, making this stop. Netspend has not helped.
Consumer complaint received 2023-06-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc. (WI)

I was contacted by CBE group regarding a balance due to XXXX from XXXX. I informed the representative I never had service with XXXX  since XXXX. I was told I still need to pay the balance. I repeated the balance was not mines and was given telephone number XXXX ( XXXXXXXX fraud  protection ) to call. I called spoke with XXXX who asked if anyone else resided in my home. I stated my son lived with me and she automatically said that he used my information and I must file a police report and XXXX him. I informed her that I already spoke with my son and he never used my info. She was extremely sarcastic and not helpful. I asked to speak a XXXX and was told that I was not able to, and was given XXXXXXXX XXXX who refused to transfer me to a XXXX. I should not be responsible for a balance not owed!!!!!!
Consumer complaint received 2022-02-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: ROBINHOOD MARKETS INC. (TX)

i started using Robinhood around last XXXX, I started using and slowly by slowly it got up to {$36000.00}, time passed by and I wanted to withdraw my money from the app but it wouldnt let me fully completed my transaction. My wife also tried to withdraw the money from the app Robinhood but instead she accidentally deposit another {$36000.00} around there and with the cents and everything it adds up to {$72000.00}. Around the end of XX/XX/2021, I realized it was becoming serious because Ive waited a month to see if the app will ever unrestricted my account but they never did. I went online and made research to see if I can find Robinhood Customers service number as I couldnt find it in the app. My wife had found a number and handed it to me. We called that number and she said that she was from Robinhood, she and I worked for XXXX weeks, she made me XXXX money to these random people, trying to make me send $ XXXX to XXXX, then I had an instinct that this was a scam so I made a fraud report to my bank. My bank got everything back for me except the fact the {$72000.00} they said they cant help me with that and suggested I should talk to their employee. As Time pass by Ive found Robinhood official customer service number in the app. I requested a phone call and even they said the first person that I called was a scammer. Robinhood said their security were tight when it comes to talking with customers so they said theyll require me to email them, my ID, social ( back and front ), also bank statement and so on. Ive send them everything. My XXXX to XXXX attempt of calling them, they kept saying they havent receive my information of the requirements documents so but as I was impatient, I kept talking back to them and they said theyll look into it more, XXXX mins later they told me theyve found it. Then I made an official claim with a case number. Three weeks passed by. EVERY SINGLE time they kept telling me it is getting reviewed by the reviewing teams, I said give me their number so that I can keep in touch with them as I want to personally ask them whats taking them so long? The employee replied with were sorry sir but the reviewing team dont have numbers for customer and their only way for them to communicate with others is through email. he continued, Ill put this into an account and send them over again. Its been 2 weeks yet. Im not getting no where and I attempted to call them last week Saturday around XXXX and they said they need me to send them the require documents over again. I went to my bank two weeks before and the banker suggested I make complaint to consumer fianc as you guys can help me get my money back faster and gave me the link. Please help me get my money back.
Consumer complaint received 2021-12-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A. (TX)

BBVA Bank was being bought out by PNC Bank. In XX/XX/2021 I went to an office in person because I was unable to close my account online. I asked the woman to take my funds out and close my account. However, I still have a PNC bank account that I do not want. It has been very difficult to close this account.
Consumer complaint received 2022-02-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/XXXX, Capital charged me an outrageous interest charge of {$60.00}!!! and to be honest i have no idea why. I have not used the card because at the moment i am jobless and have not been able to pay. Capital One already knows i am XXXX  because i have called before all my due dates and told that i have not been able to pay. They put me on a special finance program where i would not be charged late fees for 3 months and i thank them for that. But knowing how hard i am struggling, how could they charge me this outrageous fee for God knows what. When i had a job, i was making all my payments so its not like i am lying or a bad customer. this is ridiculous. They know that as soon as i am back up on my feet financially i will continue making payments. They even know the amount in my checkings account which is extremely low.
Consumer complaint received 2022-02-21
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (TX)

On XX/XX/2021 at XXXX PM just as my daughter was to be arriving at her home in XXXX XXXX after visiting her brother & me in our home in XXXX XXXX, I received a call from a XXXX #. On the other end of that call was my daughter crying hysterically that she'd been in an auto accident. Then a man came on the line stating that she was fine but was in an accident with the wrong person ... claiming he was in the XXXX XXXX. To make this long story, he proceeded to tell me what to do if I ever wanted to see her again. I withdrew cash & attempted to send him {$2500.00} @ XXXX XXXX. The transaction failed because fraud was suspected. Then I went to XXXX XXXX to send a MoneyGram & discovered I'd lost my ID in my nervous frenzy. He told me to pay a stranger to send it for me, so I did. I was instructed to tell him I had a relative in XXXX XXXX XXXX XXXX  XXXX. He sent it for me & brought me the receipt w/the transaction # on it. Just as I was about to read it to the perpetrator, my daughter texted me. I hung up on him & ran through the store to find the guy who sent it for me to tell him it was a scam & get my money back. XXXX XXXX told me I had to file a police report & go through a process which I did, but that was not the case. Now my $ is tied up ( no one received it ), & MoneyGram will do nothing even though I sent them a huge file with everything documented. They could clear it up by calling the person who I paid {$200.00} to send the {$2500.00} MoneyGram on my behalf after misplacing my driver 's license but have neglected to do so. I'm so grateful that my daughter is okay, but it was very convincing, & I lived in a border town for 35 years & these things actually happened. It was the most terrifying day of my life. All is well now, but I would like to have my {$2500.00} back. I have tons of personal/financial documentation & receipts I can provide you when you request them. I pray that you can help me with this terrible dilemna.
Consumer complaint received 2022-09-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (NJ)

I received an alert from XXXX XXXX- a debt was filed against me on Equifax from a company called XXXX XXXX XXXX for a debt from XX/XX/2016 from XXXX XXXX XXXX which services XXXX XXXX XXXX I have not lived in XXXX XXXX in over 15 years which I explained to Equifax- This collection agency did not provide an account number or a service address. I filed a dispute with Equifax and they did a half XXXX investigation and seems like they are going by this company 's verbal statement instead of asking for information verifying this was my account. I contacted this collection agency today explaining why I was calling wanting the information verifying the account and stated I will not provide any banking ; credit card or social security number and they hung up on me. This is a total scam. Why would it them over 6 years to find me?? I was not in hiding. If this is my account, this company should have no problem providing an account number and service address in writing.
Consumer complaint received 2022-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

I am extremely disappointed in the service I am receiving from Experian. Im a victim of identity theft and they have made me feel as if Im in the wrong for pointing out the errors on my credit report in which are not mine. One of the agents I spoke to about the lowering of my score after disputing 30+ hard inquiries and XXXX open accounts with large debt amounts were removed from my credit report, I thought it would have raised it but one of the accounts Im still fighting to get it off caused a huge decline and that agent told me I should have left all the fraudulent stuff on my account and I wouldnt be worrying about a decline I was appalled by that and felt like Experian doesnt have much sympathy for the identity theft victims that rely on them to report correct and accurate reports since they are the ones in control of if I am able to get a business loan or not. As of right now Im having to put my business plans to a holt because I now have a fraud alert on my credit and the fraud account is still associated with my report. Because of their inconsideration and rude customer service im left to just shut down my life and have an embarrassing mark on my credit in which I cant complete my reconsideration to the XXXX and create income for myself. Im a victim and Experian is just kicking me down further rather than help me succeed. Oh let me add that I submitted a police report and still havent taken the incorrect account off.
Consumer complaint received 2022-02-20
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: CITIBANK, N.A. (NJ)

I disputed a charge back in XX/XX/2022 that was fraudulent. I even received a fraud alert from Citibank and I immediately reported it as fraudulent and was given a new card ( I have attached such emails below ). It was removed initially during the dispute process but ruled in favor of XXXX even though I did not make such charges. 

The charge reads : REVERSE XXXX XXXX XXXX {$280.00} Purchased on XX/XX/2022 Posted On XXXX XXXXXXXX XXXXpend Category XXXX It seems to me that XXXX is an airline or travel company, and if you check what was probably purchased, none of it relates to me as I have not planned nor traveled anywhere in the last few months.
Consumer complaint received 2022-02-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (MO)

I recently submitted a complaint about how my loans were handled by Great Lakes. I received their response, and feel that they didn't provide responses to all of my issues. Since I didn't feel they were clear, and neither did a family member, my family member called this past XXXX  XX/XX/XXXX to try resolve what outstanding issues I had. First, The manner in Great Lakes does reporting of the loans payments and interest being applied is quite confusing and borderline deceptive. Its difficult to see a true balance of the loans after a payment. With every other creditor I have, I can see exactly what amount I paid, how it was applied, and an ending balance. I don't see this with my loans with Great Lakes. It is quite confusing to track and follow a loan, when the creditor doesn't show a true balance after payments are applied. Secondly, my account summary indicates I have XXXX payments remaining. During the call on Friday XX/XX/XXXX, it was learned that I have XXXX payments remaining but ONLY if I pay {$540.00} for XXXX months and $ XXXX for the remaining months. There is no place on the account summary that displays that information. That is very deceptive and misleading on my account. Thirdly, there is no place on the website that alerts me to recertification and the process. If the recertification process is important it should be outlined and dates of recertification should be clearly visable to the consumer. My family member was told that I would get an email XXXX days before it is due. Why doesn't Great Lakes reveal a date, and why is when you call in, they say " XXXX days before its due ''? Why is this not listed as a " DATE ''. I can put a date reminder on my calendar, but its clear that a date is vital in the capitializled interest process. The previous response did NOT outline a date, and neither did the call rep until we insisted on a date. Why do we have to insist on a date, and why didn't the person responding to my previous complaint list a date? Again, a person can't help but feel deceived. Lastly, I show a payment was made on this account of {$500.00} on XX/XX/XXXX and I don't see it listed on the report that was sent to me with my previous complaint.
Consumer complaint received 2024-02-22
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. (TX)

USPS TRACKING NUMBER XXXX Delivered XXXX, TX XXXX XX/XX/2024, XXXX XXXX Experian failed to open an investigation of dispute that was sent via certified mail. Experian made the letters disappear as if it never exists, with no communication. 
For identification, a notarized and signed document, a state Drivers license, a social security card, and a utility bill was provided. 

Dispute letter delivered XX/XX/2024 Listed below are the Accounts that are being challenged XXXX XXXX - XXXX
Consumer complaint received 2022-02-22
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX  XXXX XXXX
Consumer complaint received 2018-03-01
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PHH Mortgage Services Corporation (GA)

I am trying to the best of my ability for a XXXX year to save my home. I have lived in this property for over twenty years and want to continue to remain here the rest of my life. I would like to receive a reasonable modification but have been told that I have to pay the arrears of {$21000.00} which I am unable to do. I deeply fill I am discriminated against. I need the mortgage company to work with me. I fell behind due to a loss of income, illness myself and partner plus a major home repair that had to be taken care of. All is well now and I am able to pay my adjusted modification mortgage when given. I am working plus my monthly Social Security is enough to take care of my mortgage, I am asking for your assistance in the handling of this matter as soon as you can as I don't want to loose my property. Thanking you in advance, Kindly,
Consumer complaint received 2022-02-22
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. (MD)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XXXX 2022 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX
Consumer complaint received 2022-02-21
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: Experian Information Solutions Inc. (TX)

This is a request to receive all documents used to verify this account and make it published on my credit report. This item is not verifiable and needs to be removed from my credit report. There has been a fraud alert on my credit since XX/XX/2019 and these items should have been verified via phone prior to putting them on my credit file. Attached is a FTC for the stated documents requested.
Consumer complaint received 2022-02-21
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. (FL)

Please be advised that as of ( XX/XX/2022 ) as listed on my most recently reviewed consumer report, there are several fraud/unauthorized inquires listed. 

Please see attached