davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-04
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (GA)

We are victims of excessive Mortgage Fraud. It appears Attorney 's, Judges, Bank Officials, HOA Members and MANY other agencies are involved. Fraud on both Personal and Commerical Property. The Fraud as led us into Bankruptcy. The Trustee is not doing his job but appears to violate every law in order to liquidate assets ILLEGALLY. The Fraud was uncovered my spouse during XX/XX/XXXX-XX/XX/XXXX. EVERYONE is trying to cover their tracks. IT IS PATHETIC. False Bankruptcy Claims are being filed. So, you can imagine who are involved. We contact companies to validate a debt, you CAN NEVER GET THE CORRECT INFORMATION BECAUSE IT IS FRAUDULENT or they will never file a claim, but payments have been made and stolen and the " CREW '' are continuously brainstorming ways to take us out financially, mentally, emotionally physically continuously.
Consumer complaint received 2019-01-04
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. (TX)

I disputed account XXXX XXXX account # XXXX showing charger off for {$4000.00}. EQUIFAX HAS NOT PROVIDE ME WITH PROOF OF ACCOUNT THATWAS SUPPOSED TO BE VERIFIED BY EQUIFAX. ALSO ITS BEEN OVER 30 DAYS AINCE I DISPUTED IT.
Consumer complaint received 2019-01-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

Hello This is regarding the very first complaint I filed on USAA. After the President contacted me he left a message on my phone regarding the reversal and re crediting of the XXXX back on XX/XX/XXXX. They gave the money back to me after speaking with you several times and them contacting me stating they worked things out by recategorizing the dispute. I still never received the merchandise from XXXX XXXX and it was never sent back out. I uploaded statements from the usps oig as well to support my statements and today someone made a banking error and re reversed it the 2 nd time Again. After it was fixed by higher personnel. I need assistance in this matter and would like to speak with the President cause they told me it would be given back. This should not have occurred. Attached is a copy of my banking all you have to see is how they rereversed it 2 times on the ledger. It is regarding the XXXX XXXX package I never received and that was also reported sent back.
Consumer complaint received 2023-08-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (IL)

Ive had Chase for over a decade. There have been problems here and there but weve managed to fix them no problem. Now it seems they seem intent on charging me fees to the point of having to close my credit card account and tank my credit score in the process. 

I opened a credit card with them in XXXX. It has a $ XXXX limit. I admittedly havent been able to pay off the entire amount due to the financial stress of the pandemic economy but I have been making my minimal payments on-time and been paying down when I can afford to. 

In the last few months, however, Chase has decided to add an additional fee to my credit statement named a Purchase Interest Charge, that has not be present since I opened the card. This new charge has not only put me over my limit each month but has increased my monthly payment by {$28.00} ( an increase I can not afford at this time ). I received no notice of this change and have been told by a rep that this is a standard practice. 

In the last 4 months, I have been charged an additional total of {$190.00} on my credit card under this mysterious fee and an additional {$29.00} in late fees having not been able to make the {$68.00} payment. 

I have also noticed that my checking account, I have been charged a Monthly Service Fee of {$12.00} for the past two years, something I never agreed upon when I signed up for the account in XXXX. There are XXXX charges of {$12.00} starting in XXXX ( a total of {$300.00} ). Again, received no notice about this charge. 

I am a regular consumer who trusts my bank to handle my money fairly and in the manner in which we previously agreed upon. Im sickened to think that the place I funnel the entirety of my income into is taking money from me unjustly and without me knowing.
Consumer complaint received 2021-03-07
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you instead of your attorney
Company: WELLS FARGO & COMPANY (NY)

Credit Bureau Dispute Resoluti XXXX XXXX XXXX XXXX XXXX, IA XXXX Has held a debt on my account for over 8 years that disputed. They would harrass leave negative messages with employers over a credit card that was used as fraud that I canceled on wells fargo years ago. I refused to call because its best to receive writing. In 8 years I have never received writing/proof and when I did my background check/ credit check none of this was in my way 7 years ago. I asked for proof and received nothing.
Consumer complaint received 2023-08-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-04
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 — Their investigation did not fix an error on your report
Company: American Credit Acceptance, LLC (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-08-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XX/XX/23 I have filed an electronic dispute with XXXX, XXXX, and Trans Union for an auto loan account named XXXX ( XXXX XXXX XXXX  ). They have this same car loan on my credit report with XXXX XXXX which is legitimate.This non action and indifference is being performed in collusion with a group of informants and federal agents as a synthetic identity theft. This has negatively affected my credit line and score deliberately.
Consumer complaint received 2020-08-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MiraMed Revenue Group LLC (IN)

XX/XX/XXXX I recovered a debit in the amount for XXXX .i ask that this be removed from all XXXX credit bureaus.i never heard from this company I dont know who this come is.
Consumer complaint received 2019-09-17
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. (VA)

I have contacted Equifax and XXXX  multiple times since XX/XX/2019. I have opened disputes and they have not correctly resolved the issue and my credit score is negatively affected. My XXXX Credit account is listed as post due for the month of XX/XX/2019. XXXX refunded late fees and interest to my account so that the balance was {$0.00}. Equifax and XXXX  will not change the status from Past Due to current even though I have provided statements showing the refunded fees. XXXX said the account is up to date in their system and not past due for XX/XX/2019. Their recommendation was to dispute with the agencies which I have done multiple times. I dont understand why XXXX updated the report and the others refuse. My credit score dropped significantly because of this. So much so I was advised against putting an offer on a house until it was resolved and now the house is no longer on the market!
Consumer complaint received 2023-03-25
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. (NC)

Account : XXXX XXXX XXXX XXXX : {$420.00} Account Date : XX/XX/2022 Please remove all names other than " XXXX XXXX XXXX '' and remove all previous addresses. 

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

15U.S.C 1681 section 604A. section : 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 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. 168s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any other consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting Act, the following account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX Amount : {$2400.00} The account holder should provide the original instrument of debt with signature that I am a debtee of theirs and I have not received any proof. 15 USC 1681 Section 602A states I have the right to privacy and according to 15 USC 1681eb, they are supposed to ensure maximum possible accuracy of the information concerning the individual about whom the report relates. Because I do not owe XXXX XXXX XXXX XXXX and have never signed a contract of agreement to debt with them specifically, the debt should be removed immediately from my credit report.
Consumer complaint received 2023-10-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (WI)

My student loan servicer is currently Nelnet, as it was changed from the company Great Lakes. I qualify for the XXXX repayment plan. I applied for the XXXX repayment plan in XXXX, on the federal student aid government website. On the federal student aid website it states that my application was processed and this direct quote : '' Your loan servicer ( XXXX ) has ( have ) completed their review of your application. '' On the Nelnet website it states that I am enrolled in the XXXX plan ( not to be confused with the XXXX plan, which is a different repayment plan ), which I never applied to or was enrolled in the past. I never received communication from Nelnet that my repayment plan had been changed to the XXXX plan. I called and was unable to communicate by phone due to hours long wait times. I sent a detailed email to Nelnet and was sent an automated email letting me know that no one would reply to my email as no one would be reading it. It directed me to try the Nelnet website and if my issue wasn't resolved by visiting FAQ on their website, to call their phone number. Placing an account on a completely different repayment plan than you applied to is unacceptable ; the terms of each repayment plan are all different and change the monthly payment depending on what repayment plan you are enrolled in.
Consumer complaint received 2023-09-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Block, Inc. (TN)

I transferred money from my XXXX to CashApp hoping to put on my bank card ( XXXX ) but CashApp doesnt support XXXX I tried to transfer it back to XXXX I did this on a Tuesday, its said my money should be back on Thursday it was not. It is now Saturday
Consumer complaint received 2019-07-15
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Consumer Portfolio Services, Inc. (KY)

I purchased XXXX XXXX XXXX in XXXX of XXXX, first payment due XX/XX/XXXX. The loan I got was a fresh start loan after a bankruptcy that had not been finalized yet. My old car a XXXX XXXX transmission was going out. I got the loan at 18.45 % interest. I lost my job in XX/XX/XXXX and was a victim of XXXX XXXX and relocated to XXXX, KY in XX/XX/XXXX. I have been unable to find a job other than XXXX at XXXX per hour. I am XXXX XXXX XXXX. I have had problems with making that {$400.00} per month payment. In XXXX of XXXX I was diagnosed with severe XXXX of my XXXX and the XXXX XXXX recommended XXXX. I waited another year and worked in XXXX  XXXX  every day to try to keep this car payment up to date. I did get behind 3 months and worked hard approximately XXXX hours per week. In XXXX of XXXX I had to take a leave of absence the rtindoctor stated my XXXX was grinding XXXX to XXXX and I had to have XXXX to have a total right XXXX XXXX. I did have XXXX XX/XX/XXXX. I notified Consumer Portfolio Services that I needed XXXX and I would be off several weeks recuperating and that I would not be able to make my payments on time and did they have a hardship program. I was told no. When I bought the car I questioned the high rate of interest, the finance manager at XXXX XXXX in XXXX XXXX in Kentucky told me that I could get the car refinanced to lower my payments and interest in a couple of years. I believed this. So in XXXX I tried XXXX XXXX XXXX and was turned down since my loan to value was too high. My car then was valued at around XXXX and the loan pay off was still XXXX The car purchase loan amount was for XXXX. So after almost 2 years my balance had only gone down approximately XXXX. So I went back to XXXX XXXX in XXXX XXXX in XXXX of XXXX and asked them to please get me into a different car with lower payments. They told me they could not put me in a different car due to the same reason XXXX XXXX had denied me. So now that I am behind XXXX, XXXX, and XXXX payments they are threatening repossession. I know this may not help me with this situation but I hope others can be warned about XXXX XXXX in XXXX XXXX and their unfair lending practices and Consumer Porfolio Services out of XXXX California, my payments go to XXXX Arizona and the call about repossession came from XXXX, Florida
Consumer complaint received 2020-08-02
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. (GA)

Someone in Experian and XXXX credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. 
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, XXXXXXXX XXXX XXXX XXXX, gave me two letters of release stating the debt wasn't mine Experian and XXXX keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through Experian. 


My correct address is XXXX XXXX XXXXXXXX XXXX, GA XXXX My name is XXXX XXXX XXXX My phone number is XXXX
Consumer complaint received 2023-09-09
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc. (TX)

This is for a transaction on XX/XX/XXXX at XXXX, I was notified by CashApp text that my PIN number had changed. I immediately tried to call them and a recording said I would have to message them on their app. While waiting on hold, I locked my card but also was notified the {XXXX} was removed from my account. After speaking to a rep, via chat, they advised that there was an attempt but the wrong PIN number was used. I filed a dispute and was assured by the multiple reps I had spoke to over the phone at a later time as well as the one I was chatting with, said my money would be returned. To this day, my money was never returned even though it was an unauthorized charge. Please help with this issue. My CashApp is $ XXXX
Consumer complaint received 2020-12-17
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WELLS FARGO & COMPANY (SC)

In 2009 it had an account with Wachovia Bank. I am now receiving at least 4 calls per day in my phone from reatricted numbers with this guy treating to serve myself and my wife with papers and suing us for the old debt. He is also calling my wife 's phone at least 3 times per day. He had also contacted other family members and past employer giving them information. He is also threating to garnished out wages and bank account.
Consumer complaint received 2019-01-04
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: LEXISNEXIS (OH)

I AM A VICTIM of ID theft I have several fraudulent addresses on my file that are not mine please remove the following addresses : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX The following phone numbers are not mine please delete the following : ( 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
Consumer complaint received 2023-03-25
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. (TN)

In accordance with the Fair Credit Reporting Act XXXX  account 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 602A states I have a right to privacy 15U.S.C 1681 section 604A section 2 : it also states a consumer credit reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-08-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Block, Inc. (CA)

This concerns Cash App which is from Block , Inc. formerly known as Square. 

Summary of issue is as follows : Cash App had a promotion of getting a {$5.00} Cash Bonus for linking a bank account or debit card and sending {$5.00} within 14 days of using the promotion code. 

XXXX ) On XX/XX/2022 - XXXX downloaded Cash App and entered the promotion code of XXXX which is from my friend XXXX XXXX. 
XXXX ) On XX/XX/2022 - XXXX linked both a Bank Account and XXXX XXXX within 14 days of using the promotion code which was due XX/XX/2022. 
XXXX ) On XX/XX/2022 - I deposited {$10.00} from the linked debit card to the account. 
XXXX ) On XX/XX/2022 - XXXX sent {$5.00} to another Cash App user which was part of the requirement for the {$5.00} Cash Bonus, this was also due XX/XX/2022 as it's within 14 days of using the promotion code. 

Cash App the company in the transactions did send {$5.00} but it never made it to the account as the system rejected and returned the {$5.00} back to Cash App the company. 

All inquiries to Cash App had responses but they would not disclose the reason for not paying the {$5.00} as promised. I am a new Cash App user and this would be false and misleading advertising if they do not provide the cash bonus offer as they had promised.
Consumer complaint received 2019-01-04
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A. (PA)

On XX/XX/XXXX, my account was somehow overdrawn - {$9.00}, I transferred {$20.00} into my account, and was in positive standing before the end of the day, I could literally drive to the ATM and take out {$10.00}. I wake up XX/XX/XXXX to {$72.00} dollars taken out of my account for being overdrawn, even though I fixed it. I was told I had to wait 24-48 hours for a phone call from PNC. I received a call and immediately returned the call, as well left a message. I received nothing ever again, I called back multiple times a day, over multiple days. I left maybe 3-4 messages. Over a week later, still nothing, now PNC is charging my continuous OD fee 's when I am trying to solve the issue, but I can not contact them, and they will not contact me regarding the situation. I call AGAIN, and am told I'd receive another call in 24-48 hours, to which I received nothing. I once AGAIN had to call today, to which I am told AGAIN I'd have to wait 24-48 hours. 
Over {$100.00} has been taken from my accounts now and I am unable and unwilling to pay for the money PNC is stealing. I can not contact anyone regarding this and no one will answer me and they continue to charge me.
Consumer complaint received 2021-01-27
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: GreenSky, LLC (MI)

in XXXX i applied for a Home Depot Credit to have my kitchen renovated. I was declined, but I have over a 700 credit score low balance on all my cards and make over {$100000.00} a year for the last 5 years. I do not fell I was declined because of my credit, but for other reasons. If it happed to me, it may be a way of business for home depot and it should be investigated. Are they declining people based on race?