davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (CT)

I signed for an American Express Blue Cash Everyday Preferred credit card last year. The card was supposed to waive the first year of annual fee. In XX/XX/2019, I called customer service of AMEX inquiring about the exact time of incoming annual fee for the second year. I was told my annual fee will not be charged until XX/XX/2019. However, my credit card was charged a so-called " prorated '' annual fee on XX/XX/XXXX without any explanations. In the XX/XX/XXXX phone call, I specifically asked when my credit card would be charged the annual fee and the customer just stated the annual fee would be charged in XX/XX/XXXXwithout disclosing the " prorated '' annual fee. I called the customer service again trying to resolve the issue. The customer service said she was going to dispute the charge without guarantee of canceling the charge. By the time I am writing this complaint, 144 hours has passed without a respond from American Express. 
I strongly protest such deceitful business practice and therefore file this complaint.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

A charge off account is showing on my report & the creditor told me that I can not get a copy of the 1099-C document because they did not officially charge off the debt and they didn't take a write off which is a violation because it says on my credit report that it is charged off which equates to false reporting & not reporting 100 % accurately. FCRA violations refers to a violation of the Fair Credit Reporting Act, which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports. If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter are not 100 % correct and I demand them to be investigated completely.
Consumer complaint received 2016-04-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Nelnet, Inc. (NY)

I 've applied for XXXX 3 times. All were denied on separate criteria, in XXXX instance that in writing the reason for the second application being denied contradicts the criteria used to deny the third application. It was denied the second time because they said that I was in fact XXXX even though my NY XXXX XXXX and I work XXXX. So, I applied a third time with the information changed only to be denied on the grounds that the " official word '' is that my school is considered a XXXX. Help if you can. Nelnet is certainly not helping nor do I believe have they any intention of helping.
Consumer complaint received 2022-03-08
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. (MD)

1. At the time involving the relevant matters, a Fraud Alert had been placed on all of my credit reports. 
2. This has been an ongoing criminal matter since about XX/XX/XXXX in which the investigative information was shared with the Fraud Department and a criminal complaint was filed. 
3. Although the credit report has been locked, the credit reporting agency has continually allowed others to access my credit history report, which has resulted in my information appearing on the Dark web. 
4. Moreover, when conducting business I would never permit a company to run my credit history multiple times. 

The following inquiries are UNAUTHORIZED : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, XXXX, AZ, XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX XXXX, TX XXXX ( XX/XX/XXXX ) XXXX XXXX : XXXX XXXX XXXX, XXXX XXXX, TX XXXX ( XX/XX/XXXX ) XXXX XXXX  : XXXX XXXX XXXX, XXXX, PA XXXX ( XX/XX/XXXX ) XXXX XXXX : XXXX XXXX XXXX, XXXX, PA XXXX ( XX/XX/XXXX )
Consumer complaint received 2019-04-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SUNRISE CREDIT SERVICES, INC (CO)

No contract with XXXX  No contract with the third party Collection Agency Sunrise Credit Service XXXX XXXX XXXX XXXX XXXX NY XXXX Ph XXXX XXXX XXXX I did not open an account with them ... period
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

It is crucial to note that I did not give permission for these accounts, and their presence is causing me substantial distress. I kindly request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report.
Consumer complaint received 2022-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. My record shows that this account was Paid as Agreed and I never missed a payment. Please remove the late remarks immediately. 

XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance Owed : {$900.00} XXXX XXXXXXXX XXXX Date Opened : XX/XX/2016 Balance Owed : {$900.00}
Consumer complaint received 2018-08-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (OH)

Chase bank mishandled a dispute with a merchant. 

XXXX at the executive office at XXXX ( extension XXXX ) ( actual transcript ) : Me : XXXX minus XXXX is not XXXX GA XXXX : OK again MR XXXX WE CAN DISPUTE ( That ). 

No we cant dispute math, its facts. I was scammed and Chase helped them. 

Shes in Chases executive office and shes letting foreign scam companies charge checking accounts without providing any services!
Consumer complaint received 2017-01-08
Product: Money transfers — International money transfer
Issue: Money was not available when promised — 
Company: CITIZENS FINANCIAL GROUP, INC. (OH)

XX/XX/XXXX I had wired funds to my step brother in XXXX.I had used wire services of Citizen bank.As of today XX/XX/XXXX, 6 weeks later the funds has not been received.I had talked to various people at their wire department since XXXX have been getting conflicting answers from them at the very least and some of them were just plain rude.The XXXX people I talked to most are XXXX XXXX and XXXX ' ( who did not want to give me her last name ) .I had requested them for an identifying number so that recipient bank can trace the money.But all XXXX said was'XXXX ( intermediary bank ) told my brother to get into the recipient bank branch and CLAIM HIS MONEY '.
Consumer complaint received 2019-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

I have a couple inquiries on my report that are not mine. 

Cap one na, XX/XX/18 credit plus, XX/XX/18 Late pay XXXX XXXX XXXX XXXX, XX/XX/18
Consumer complaint received 2018-08-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (LA)

I have a collection account on my credit report from Portfolio Recovery Associates, LLC. Please be advised that Im disputing this collection due to the facts That Portfolio Recovery does not currently have a valid license to collect debt in the state of Louisiana according to Louisiana office of financial regulations. I am requesting that you delete this account from my credit or provide me physical proof that they are licensed debt in Louisiana.
Consumer complaint received 2018-09-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONS DIRECT MORTGAGE, LLC (CA)

-On XX/XX/2017 I purchased a home and got a conventional loan for {$420000.00} at XXXX apr under the promise of receiving {$10000.00} overfunding cash from XXXX XXXX XXXX XXXX XXXX after closing I agreed but after numerous attempts to collect I received a payments for {$1500.00} on XX/XX/XXXX, another {$300.00} on XXXX and continuous promises of payments since that date. 

XXXX kept telling me he had a few issues but they would soon get resolved but week after week nothing got done. 

He told me it would have been wise to refinance at current rate after 6 months to lower my interest and therefore reduce my monthly payment and he would have paid me out the balance when he sold my loan. 
On XX/XX/2017 I refinance and lower my rate to XXXX % but no money has been paid even after weekly messages back and forth. 

I need help collecting my balance of {$8900.00} from the money he took, interest free without my permission, that is a theft and shows very poor character for a men in his position.
Consumer complaint received 2018-09-11
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have a checking account with Bank of America. I keep it low. I recently received my security deposit ( to me and my fiance name ) and deposited on my account. The next day, the check was fully deposited on my checking so I made two payments ( XX/XX/XXXX ) from my credit cards of {$350.00} each. The next day, the check is cancelled because it is at both names and the account only my name ( we don't have joined account ), without any notice to me and then the two payments makes my account under {$0.00} so I get a notification of being charged two times {$35.00} by BoA ( and also {$35.00} by the two credit cards for returned payment ). 
I am not happy with BoA since 1 ) they didn't tell me anything about the check being cancelled ( I got a mail on XX/XX/XXXX ) and 2 ) they confimed the deposit and then cancelled it.
Consumer complaint received 2023-01-30
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (NM)

In numerous occasions, I was charged overdraft fees. The payments should have been processed at the time but seemed like it was held back intentionally just like right now. I had enough funds for a reversal fee but they waited to process the amount until my account got low and that amount has finally been pulled from my account causing it to go negative and charging me overdraft fee. That seems to be a normalcy for Wells Fargo Bank. I already talked to a banker about taking my reversal charge on a Friday but they never did until this morning.
Consumer complaint received 2022-03-08
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (MO)

I feel very misled with the student loan information. I originally was with XXXX XXXX and then consolidated with Navient. At the time, it was presented as my only option. I think this was a very ill guided counselor who put me in this situation. It has caused unreal anxiety over the years with a sense of a never ending cycle of debt. I was quickly and easily presented the forbearance option when I called with financial concerns. I was not presented ramifications for the future. I finally was presented an income sensitive option after running about of forbearance time. Again, I feel like the counseling led to this path and I did not know it would disqualify me for my XXXX payments. No one ever told me about a qualifying payment.
Consumer complaint received 2022-03-08
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. (FL)

This is a final complaint in regards to the multiple prior complaints on record which I filed with CFPB and numerous complaints of disputes via direct mail USPS for dates XXXX Present which remain entirely unresolved. 
Let this be seen by CFPB as a consistent trend by Equifax to ignore their legal obligation to consumers. I have retained the Legal Counsel XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Florida. 
Notice of intent to sue for not adhering to FCRA rules and regulations as a Credit Reporting agency.
Consumer complaint received 2018-09-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (AZ)

My sister may have put me down as a family member reference on an account she had opened. She is doing the XXXX XXXX program to pay off all debts. The agencies have been hounding my cellphone number daily as she already had given the XXXX XXXX phone number to the company for any contact. I am an XXXX for the XXXX XXXX XXXX XXXX and have to use my cellphone for my job. These daily harrassment calls have nothing to do with me. They won't stop. What do I do?
Consumer complaint received 2018-09-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Army and Air Force Exchange Service (GA)

I have three late payments that were reported the three credit bureaus on XXXX, 2014 and XXXX, 2014 and XXXX, 2014 that I am sincerely begging to be removed, besides those three payments that was sent out the the Bureaus I've been on time ever since and have continue to work extremely hard to pay off this credit card in which is almost paid off. I have contacted them via email and certified mail with a goodwill letter and they weren't willing to change the status nor help me. During that time, I was on a field op in XXXX, AZ while in the XXXX XXXX. I was unable to make payments at that time due to not having internet service or cell phone reception. I have not been late since and have continued to pay on time since then and of course I will continue to do so.
Consumer complaint received 2015-05-12
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BBVA FINANCIAL CORPORATION (PA)

On XXXX XXXX, 2015 I applied for the XXXX XXXX XXXX card issues by BBVA Compass online. Within 2 hours of applying I received a phone call from BBVA compass to verify I did indeed apply for the credit card and answered verification questions about my identity. On XXXX XXXX, 2015 I received an email that I was approved for the credit card. I received the credit card on XXXX XXXX, 2015 and activated it without issue and used it a few times over that weekend of XXXX XXXX and XXXX. I tried to use it on XXXX XXXX and it was declined. The next day I phoned customer service and was told the card was suspended and was given XXXX different answers. I phoned later that week and wasted XXXX hours being on hold to only find out the information I was given by customer service was useless. Finally the XXXX week of XXXX 2015 I phoned in to discover the card was closed and received a letter on XXXX XXXX, 2015 that the card was closed per a request by me about fraudulent activity along with a declaration of fraudulent activity. Not once have I phoned BBVA compass about any fraudulent activity and never asked that the card be closed or my charges reversed. I in fact have paid for the all charges that were made to the card. I phoned customer service late last night and was given the number to their fraud department I phoned fraud last night was on hold for over 60 minutes before I was either hung up on or disconnected. I phoned again this morning and did speak to someone in fraud and was told she would phone me back and up till now I have not received any call back with a reason about the fraud request. I have phoned customer service and never once was given a straight answer as to why the card was suspended or even closed. I was simply told I would receive a letter which I finally have. However the letter does not even ask if I opened the card or indeed made the charges.
Consumer complaint received 2021-11-04
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I have sent numerous documents to Equifax, XXXX, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.
Consumer complaint received 2018-08-06
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: EQUIFAX, INC. (MO)

I have contacted Equifax on several occasions to have them remove the public records for Bankruptcy case # XXXX removed. I have contacted the Public Records company XXXX XXXX and they have removed any public records that are associated under my name and I have submitted all documents to the credit reporting agency. Equifax is refusing to remove the public records stating that they have investigated it previously and are refusing to remove it. I am in need of assistance.
Consumer complaint received 2016-09-12
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (TX)

I opened a no-fee checking account in XXXX 2013 for {$50.00} with Wells Fargo. I received a letter and statement in the mail my account was closed for lack of activity. I called requesting a refund of the {$50.00} and was told it would be mailed. Three to four weeks later I made a follow up call that I did not receive the refund. I was then told I had no refund because the money was used paying service charges. After complaining again, I was told since the prior person I spoke with stated I would get the refund, they would follow up. As of this writing, I still have not received the refund or any follow up. They stated because I was notified in previous statements it was my responsibility to have seen the notice and responded. I explained I was told no service charges and had no charges until recently and did not know my account was closed without my acknowledgement only after I went to a XXXX balance. I 've seen so much about Wells Fargo in the news between the bad student loans and opening false accounts for their customers and receiving the huge fines, I 'm feeling like I have been taken advantage of and should expect a full refund of {$50.00} Thank you,
Consumer complaint received 2015-04-15
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: NAVY FEDERAL CREDIT UNION (UT)

A financial institution which requires military affiliation to join was notified of fraudulent misrepresentation regarding a member who has never had a military affiliation and became a member by opening an account while living in another state due to the state presently living in affords no opportunity for the person to obtain any type of checking account. It is apparent that this financial institution does not properly conduct its due diligence for verification purposes to allow a person who has already been convicted of illegal account activity by kiting over several years time. 
The securities department was contacted after numerous discussions with law enforcement, district attorneys and investigators and following their advice contacted victims of fraud which include this financial institution. Realizing this is the internet era where much is done online absent walking into a financial institution and giving the drivers license to a banker to open an account only to find out dozens of banks had reported NSF, Kiting, overdrafts, etc. Treated badly by a securities young lady at this financial institution who had no care whatsover that fraud exists. 
As a military dependent most of my early years and later on as a military dependent of a spouse, I find the conduct by this institution 's security/fraud division so egregious that it shocks the conscience.
Consumer complaint received 2020-07-31
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (CA)

Our bank account has been hacked and we need help. 
We received a call from someone claiming to be Amazon Representative on approximately one oclock On XX/XX/XXXX. 

The caller spoke with my husband ( XXXX XXXX ) in length. The caller said they have made a mistake on our Amazon and accidently deposited to our checking account {$15000.00} in Chase Bank. 

While XXXX XXXX is online the caller convinced him to send the wife to the bank to verify the mistake and send the money to a given account number in XXXX XXXX XXXX. 

This is the information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX He said if we do not do this at once he would lose his job, he would be fired if his boss finds the mistake. 
We went to our Chase bank in XXXX XXXX, CA and checked with teller and asked her to send the money to him. At that point I asked the banker, could this stranger access our other accounts in case he is a dishonest person? I was told NO, the only way he could access our account would be with court order. 
On XX/XX/XXXX, received my bank statement ( the second account ), realized that {$15000.00} was transferred from my saving to checking and this was done by the fraudster. It was our money not his mistake. The next day we went to our Chase bank. Explained the hacking. Bank reported this to their FRAUD department. 
On XX/XX/XXXX we filed a Police Report with XXXX County Sherriff Department. 
Case # XXXX XXXX XXXX. 
We have not heard back. We are requesting that Chase bank take responsibility and recover our money. 
Our daytime phone # is XXXX Regards, XXXX XXXX