davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-01
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: AMERICAN EXPRESS COMPANY (CT)

My Bluebird Prepaid Debit Account issued by American Express Travel Related Services Company , Inc., XXXX XXXX XXXX, XXXX XXXX, NY XXXX are holding my money and preventing me from paying a bill. They are going to cause me to be late, and if they do they should be made to reimburse me for the fees I incur. Tonight I spoke with a XXXX and a supervisor XXXX until XXXX XXXX who would not pay the payee I needed to pay through the system on their end. They both could see that my account had {$310.00} and told me they are not a credit card company and can not pay the payee for me. They also had me clear cache, data & history from both my cell phone and PC and attempted to tell me that it must be the payees issue?! This payee was paid previously without issue. This is a third party to the transaction and simply wants to be paid. The response given by XXXX a supposed supervisor makes no sense! I asked them both to take the block off of my account on their end & release my funds so that I can pay my bill. I asked that they stop playing games with my money. I can not for the life of me understand why I have to reach out to the CFPB with companies that simply will not just do the right thing for their customers, and for what reason? Isit that they simply want to hold their customers money a little longer to collect the interest accumulated? Make it make sense please. They have my money let me pay my bills with it this is so stupid it's beyond words.
Consumer complaint received 2022-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (PA)

To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
You were advised by me on XXXX XXXX by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : XXXX XXXX XXXX  XXXX {$12000.00} Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XXXX XXXX is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Consumer complaint received 2024-03-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Block, Inc. (CA)

In XXXX Cash App closes my account and gives me the option to dispute, for which I do submit a lengthy one. The response I get is that my account has been found in violation of their Terms and Policies, but that they can not tell me what or why. I accept this and have moved on up till XXXX when I receive an email from Cashapp notifying me that my 1099B documents are ready and available for me to download. The documents I need to file my taxes are not available ( error message that something is wrong on their end ). I contact customer support chat and since XX/XX/XXXX have been sent through many rabbit holes and end up back to the very same chat support, for which does not read what I wrote to them but instead I just receive the same cut and paste default messages since when I started the request. Attached are the screens that I am getting from the instructions that Cash app support has directed me to do.
Consumer complaint received 2022-02-18
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SLM CORPORATION (NY)

In 2014, XXXX, XXXX XXXX withdrew funding for my degree at XXXX XXXX University in my senior year, giving no reason other than their lack of belief that I would be able to pay the loans back. I was forced to drop out in my last semester, incurring high fees, and rendering my college transcript unable to be released. I was unable to make the initial payments, which were over {$1000.00} a month for a balance approximately {$38000.00}, and consulted several lawyers, who advised me to " save up money and settle '' and that " there was not hope for private loans ''. I was unadvised of any kind of income based repayment plan, and was simply told that Sallie Mae doesn't do that. I have spent several years searching for a job that provides more than subsistence, but due to my lack of a degree, and in a relatively high unemployment field ( Music ), I have accumulated a significant portion of debt. I am now being sued in 6 lawsuits by the company, but I have no accumulated assets, nor skills and have been homeless for the better part of the last 5 years. They have coerced my father into withdrawing his XXXX, and to taking assets they have no access to, and using them to pay the debts. My mother and father were cosigned onto the loans, and my mother has since passed on. I have no legal rights, and was not of legal age to begin sign for my own loans at the time that I started ( XXXX XXXX, at the time ). I was not given a chance to defend myself. Sallie Mae is a predatory loan company and needs to be stopped.
Consumer complaint received 2024-03-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (FL)

I opened an account with Chase Bank at the beginning of XXXX. Around XX/XX/XXXX I made a transfer from XXXX XXXX of {$8000.00} from funds that I won from online betting. I live in the state of Florida and the XXXX XXXX XXXX is legal to use here. Anyway, I made that transfer and Chase Bank closed my account. My funds have been locked up in that account since then and it's about XXXX XXXX that they still have not mailed out to my address. When I call in for an update, every week ( since XX/XX/2024 ) I am being told that they are waiting for information from the sender. I was told to fax documents over to prove that this was me sending this to myself. I faxed them personally and I went into the bank and with the documents and faxed them over to " the accounts department '' to verify my information. This first faxed from XXXX XX/XX/2024 and then in-person at the bank was XX/XX/2024. I called in today, XX/XX/XXXX, again and I was told that there has been no documents recieved. In about XXXX weeks, I have called at least XXXX times a week as well as visiting chase branches in person and still no resolution. I was told from when my account closed that a check would arrive XXXX business days and we're way past that. I don't think any of the customer service agents have any clue of whats actually going on.
Consumer complaint received 2020-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (GA)

XXXX AND XXXX ARE REPORTING THAT I HAVE STUDENT LOANS FROM THE XXXX XXXX XXXX AND XXXX XXXX XXXX. THEY ARE DELIBERTLY PUTTING DUPLICATE ACCOUNTS ON MY CREDIT REPORT ON PURPOSE. XXXX SAID I OWE XXXX IN STUDENT LOANS WHEN I ONLY OWED XXXX. NOW THAT NELNET HAS PAID THE XXXX? IT SHOWS THAT I STILL OWE XXXX. THIS CREDIT REPORTING AGENCIES ARE DOING THIS ON PURPOSE AND IT IS NT RIGHT TO THE CONSUMER. THIS INFORMATION IS INCORRECT AND SHOULD BE REMOVED AT ONCE. STUDENT LOANS. BELOW IS THE XXXX ACCOUNTS STILL OPEN ON MY XXXX CREDIT REPORT {$11000.00} Reported balance XXXX XXXX {$7500.00} No Info XXXX XXXX {$3500.00} No Info XXXX HAS THAT I STILL OWE Total open balances {$68000.00} AFTER NELNET HAS PAID ALL OF MY STUDENT LOANS OFF!!! THEIR RESPONSE IS TO FILE XXXX DISPUTE WITH XXXX BUT THIS IS GOING OVER AND OVER WITH THE SAME SITUATION. WHY CANT THEY REPORT THE TRUTH FOR A CHANGE. I DONT OWE ANYONE!!!! FOR ANT STUDENT LOANS AND THIS IS NOT FAIR THAT THEY ARE STILL REPORTING EVERY MONTH THAT I OWE CAUSING A NEGATIVE IMPACT OB MY XXXX XXXX
Consumer complaint received 2020-07-28
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I received a telephone call on XX/XX/2020 at approximately XXXX XXXX  from the telephone number XXXX XXXX XXXX XXXX XXXX. 
The caller proceeded to say the last four digits of my Social Security number and asked me if they belong to me. Highly unethical for someone to give an unverified person the last four digits of someones Social Security number.
Consumer complaint received 2021-02-12
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

There is unknown hard inquiry on my credit report. Im requested the verification of the inquiries and the method of verification. CAPITALONE Inquired on XX/XX/2021. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Consumer complaint received 2021-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX XXXX INVESTMENT - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX, XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX  on XX/XX/XXXX ( Reported Identity Theft )
Consumer complaint received 2018-05-04
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: FC HoldCo LLC (TX)

On XX/XX/XXXX @ XXXX XXXX XXXX XXXX received a certified letter requesting debt validation. This company failed to respond to the letter. On XX/XX/XXXX @ XXXX I called & spoke with a XXXX representative in regards of the XX/XX/XXXX XXXX XXXX. The representative informed me that the vehicle was auctioned off on XX/XX/XXXX ( shortly after repossession ). On XX/XX/XXXX @ XXXX XXXX XXXX XXXX received a 2nd certified letter informing them that the account was in dispute due to the companys failure of proper notification of intent to sell the vehicle per state law. The letter requested proof of notification within 14 days ; if no proof was provided the alleged claim of deficiency is null and void. As of XX/XX/XXXX XXXX XXXX XXXX hasnt responded to either of the certified letters sent.
Consumer complaint received 2021-02-12
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. (CA)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX, XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX/XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX/XXXX on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX/XXXX on XX/XX/XXXX ( Reported Identity Theft )
Consumer complaint received 2020-07-28
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. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT ON MY FILE. THIS NEGATIVE ACCOUNT HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY (WA)

Amex reports double balance amount to my personal credit report. 

My wife holds an Amex credit card and I was added as an authorized user of that account. On my personal credit report, there has always been two amex amount with exact same balance as my debts. The balance amount is the total balance of both my spending and my wife 's spending. 

For example, if I spend {$100.00} and my wife spend {$200.00}, then there would be TWO account balance with {$300.00} under my credit report. 

I've reached to amex chat channel, but the representatives said nothing they can do with that.
Consumer complaint received 2022-02-18
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

I rented a car from XXXX in XXXX from XX/XX/XXXX to XXXX, 2021. I charged it to my Capital One credit card, and waived the XXXX collision damage waiver charges on the rental contract, in accordance with the XXXX card benefit that Capital One offers. On returning the car as per my reservation, the attendant noted a tiny paint chip on the front fender, and insisted that we file a damage report ; I resisted, since I had not even noticed the " damage '', and there were other dings recorded on departure documents : this was not a new, pristine vehicle. The attendant assured me that the report was only a " hold '' on my credit card ( for XXXX euros ), and actual charge would be adjusted once the " damage '' was assessed. XXXX, however, immediately placed a charge on my account for the full amount : XXXX US dollars. I disputed this charge with Cap One as soon as I saw it, and it was removed. I was told to wait for correspondence and instructions on how to submit my documentation ; thirty days elapsed, and the charge was reinstated. My correspondence with XXXX produced a bogus repair invoice. I again contacted Cap One and got a link to upload documentation, which I did. XXXX XXXX, the charge appeared again : Cap One said too much time had passed. I then filed a claim with the XXXX benefit insurance to cover the collision damage waiver : their response was " no coverage in XXXX or XXXX ''. While XXXX is largely to blame for the extortionate repair claim, Cap One has reneged on their promise of customer assistance.
Consumer complaint received 2022-02-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (KY)

On XX/XX/10 I made a XXXX party payment from my bank ( NOT USAA ) to my auto loan ( WHICH IS THRU USAA ). I listed my account number and all info needed. Ive been on the line with multiple USAA reps for the past 2 days with no resolution. For whatever reason the payment was sent to USAA XXXX XXXXy, Ive never had a mortgage. Ive requested a supervisor multiple times through USAA as well as the mortgage company with no help. I have a payment for over $ 2k that has cleared my balance account and cant get it applied to my USAA XXXX loan because the reps have failed to get me to the correct place. XXXX beyond frustrated at this point.
Consumer complaint received 2022-02-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (ND)

I have called to ask for a validation with the company Jefferson capital my signature license anything also have asked three of the major credit bureau to check for me. I was told it was validated when asked how I was told my name and social is enough to validate. I was told by the company the bill was sent somewhere when I asked where I was told a merged/ wrong address. The address I was given was XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have supplied my license as proof that That address does not exist still have not had a response I am up to multiple disputes.For clarification my address is XXXX XXXX XXXX XXXX XXXX ND XXXX. Also they keep changing the open date which is making my credit yoyo up and down this effecting me negatively I want this removed from my reports.
Consumer complaint received 2022-02-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (TX)

I opened an account in XXXX and found about fraudulent account with about {$4000.00} opened in my name in XXXX before I was a customer with Wells Fargo. Once reported I got my online access and changed my passwords and username. The account has yet to be closed despite XXXX separate conversations discussing the fraudulent account and desire for it be closed.
Consumer complaint received 2022-02-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ATG Credit, LLC (IL)

No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
Consumer complaint received 2018-05-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I used a Money transfer APP through Bank Of America, BOA called XXXX. I tried to send money, {$300.00} to myself to try placing it in another Bank, but the funds never reached me. I called BOA immediately to try finding out what happened. Turns out, I entered one of my phone number digits incorrectly. There was no verification through the APP to help catch this common mistake and I did not realize this had taken place. The application only gives a status of complete and BOA could not place a hold or anything on the funds only moments after I made the transfer attempt. I called BOA a number of times as directed and got different information on the status and was told a " claim '' would have to be submitted. After waiting 15 days for some notification from BOA, I called when I did not hear anything only to be told my claim was rejected and that there was no way to recover the money. The APP has a glaring flaw in that it doesn't allow multiple entry of the receivers account ID for verification of entry, there is no communication that occurs directly between the sender and receiver so that both can verify Identification and verification to release funds for full accountablity and finally, if a mistake is made, there should be rules both the receiver and sender must abide by so that money is not lost through errors..
Consumer complaint received 2022-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CO)

XXXX, Experian, XXXX XXXX, and XXXX are proposing the account details of my XXXX  XXXX bankruptcy, in addition they are reporting the XXXX XXXX car agreement with XXXX XXXX as not paid off. I paid off the vehicle and am in good standing with XXXX XXXX. 

Please, fix these two issues.
Consumer complaint received 2022-02-18
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: WEBSTER BANK, NATIONAL ASSOCIATION (IN)

I had a {$7000.00} check sent to XXXX Bank as part of a trustee-to-trustee transfer. I used XXXX Banks provided form for this transfer. XXXX Bank applied the incorrect amount to my account, not the {$7000.00} that was sent to them. They are unable to provide me with a copy of the check they received to verify the amount written on the checks matches what they credited to my account. They do not have a process to reconcile this error and they are unable to tell me when I can expect this to be resolved.