davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I WAS LOOKING ONLINE FOR A WAY TO BOOST MY CREDIT SCORE AN RAN ACROSS 2 COMPANIES THAT OFFERED TO REPORT TO THE CREDIT BUREAUS ALL 3 AND THEY GUARANTEED A IMMEDIATE REPORTING TO THE CREDIT BUREAUS. BUT I HAD TO PAY A FEE EVERY MONTH THEY REPORT. THESE COMPANIES ARE XXXX XXXX -- -- -- REPORT AS XXXX XXXX XXXX XXXX =========REPORT AS XXXX XXXX PLEASE XXXX XXXX XXXX, AND XXXX XXXX THEY ARE SCAMMERS!!!! ! !!! I ASKED THEM TO STOP DEBITING MY ACCOUNT AFTER I HAD ESTABLISHED CREDIT OF MY OWN. AND THEY CONTINUED TO DEBIT MY ACCOUNT. THEY DO NOT OFFER ANY PRODUCTS ONLY TO REPORT TO THE CREDIT BUREAU. SO THERE FORE I ASKING THAT ALO 3 CREDIT BUREAUS REMOVE THESE 2 ACCOUNTS FROM MY CREDIT REPORT OR PROVIDE ME PROOF OF PRODUCTS ORDERED AND A PAY HISTORY .I HAVE BEEN PAYING THESE COMPANIES JUST TO REPORT TO THE BUREAUS TO INCREASE MY CREDIT SCORE. PLEASE REMOVE
Consumer complaint received 2023-03-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (TX)

I received a notification on Wednesday XX/XX/2023 that a direct deposit was available in my Wells Fargo checking account from my employer. Online banking showed the deposit and showed the funds available as late as XX/XX/2023. On XX/XX/2023 I received a notice that my account balance had dropped below {$0.00} and I had 24 hours to add funds to avoid overdraft fees. Upon checking my account online, I found that the deposit was not longer listed. I called Wells Fargo customer service and was advised of a system glitch and that my funds would be available soon. 

As of XXXX XXXX XXXX the deposit was listed as Pending but the funds were not available. At XXXX XXXX XXXX the deposit was once again not listed on my account. 

I visited a branch and was told their system shows the deposit as Pending but I still do not have access to the funds. 

As of this writing, online banking still does not show the deposit or show the funds available. 

I have an email and text message from XX/XX/2023 referencing the available deposit and screenshots from XX/XX/2023 showing the deposit pending at XXXX and missing at XXXX.
Consumer complaint received 2019-01-19
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: AMERICAN EXPRESS COMPANY (VA)

I entered into a contract with XXXX ( web development company ) and funded a contract with the amount of {$5400.00}. Due to outside circumstances ( delays, poor performance ) we canceled the contract on XXXX. This was consulted by XXXX dispute team and American Express. The balance of the contract was {$2700.00} which we tried to recover on XXXX and via American Express dispute. After multiple attempts XXXX advised moving to arbitration ( AAA ) with an additional fee of {$290.00} and after a call to American Express on XX/XX/2018, by the customer rep on a recorded call they said not to pay the arbitration cost and American Express will handle the dispute. On XX/XX/2018, I was notified that we lost the dispute citing that the other party on XXXX paid for their portion of the arbitration. The funds in total were distributed to the other party due to the American Express rep. American Express needs to consult the XX/XX/2018 call recording with XXXX where he states that we should not pay the {$290.00} arbitration fee. We seek American Express to credit our account in the amount of {$2700.00} as it was under their advice on a recorded call from XX/XX/2018, that we did not enter into arbitration thereby losing the money we had in our escrow account. This is evidenced by the recorded call and the letter attached from American Express dated XX/XX/2018. We have now opened three disputes with American Express. American Express acknowledged on a recorded call I am in possession of that the call from XX/XX/XXXX exists and to seek 3rd party legal help. Please see attached documents for timeline and resolution from American Express that we dispute. 

From the previous dispute, American Express acknowledges that they " found we could have more clearly explained how the dispute process works. We apologize for any misunderstanding you may have experienced as a result of this matter I am glad this is a {$2700.00} teachable moment for American Express. If this is such a misunderstanding why will they not release the call to the CFPB and or myself as stated here, " Phone call recordings and/or transcripts, if available, are business records of American Express that can only be provided in response to a lawfully issued subpoena. " American Express knows that they offered the wrong advise even when point blank asking if we should pay the arbitration fee, they then said no on several calls not just the XX/XX/XXXX call. 

I have been a customer for 14 years, you lost me and everyone I know now.
Consumer complaint received 2021-04-13
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: VW Credit, Inc (CA)

I was leasing XXXX Volkswagen XXXX, and i traded-in this car to XXXX XXXX XXXX at XXXX XXXX, Ca. on XX/XX/XXXX The dealer paid {$20000.00} to VW credit that was cashed to them on XX/XX/XXXX On XX/XX/XXXX I received a notification from the credit bureau that VW reported me with 30 days late payment. 
I called them and they informed me that they got the amount but they didn't applied to my account because they are telling me that the amount was not correct, and the amount for the customer payoff id different than the dealer pay off. 

I called the dealer and the dealer called them and they informed the dealer that there is a shortage of amount equal to {$810.00}. 
The dealership asked me to pay this amount because the pay off invoice they got from VW credit was not correct. 
and VW is telling me that the dealership wrongly requested the pay off and they will not close my account. 

Now I am stuck in between the dealership and VW credit company and this impacting my credit score and rating and hurting me financially. 

Please note that my monthly payment wit VW was about {$410.00} / month. They got {$20000.00} on XX/XX/XXXX, they elected not to apply it to my account, and still reporting me with a late payment to the 3 credit bureaus, only because the have remaining amount required from the dealer.
Consumer complaint received 2019-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

On Thursday, XX/XX/2019, around XXXX EST, I contacted my bank, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX and requested they report a line of credit ( {$500.00} ) to Transunion credit bureau XXXX They denied my request to have it submitted to this agency claiming they only report to one credit bureau, XXXX. When I asked them what can I do to  make this happen, their response was " sir there is nothing you or I can do to have the credit union report this to another credit agency. '' The only option they gave me was to contact Transunion and have them request the updated information but they said it would do no good due to the fact the bank will not divulge the information to anyone. In my mind and based on what they just said but already did, if they were not going to share that information with another credit agency at my own request then why have you already shared that information to a credit agency without my consent? 
This complaint is in conjunction with a previously file complaint against the credit bureaus. 
Reference number= XXXX The circumstances of me requesting this information be sent to the other credit bureaus is in order for me to exercise my VA Home loan benefits I must have a second credit score for the underwriting guidelines under XXXX XXXX and XXXX XXXX . All I am trying to do is use my VA benefits, which I sacrificed more than you could comprehend, for the point of being exempt from the funding fee. I am in the understanding that this violates my rights as a veteran under the " Service men and women 's act of the armed forces '' in a way that may not be as black and white as the foreclosure process but it is still as detrimental to me that prevents ownership of my family 's first home. 
A timely response to this ongoing issue is imperative to the concerns of my family and I. 
Thank you.
Consumer complaint received 2019-05-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Nelnet, Inc. (FL)

Receiving phone calls on several occasions from a number in XXXX, Florida claiming to be providing loan relief. They have my contact information and my current billing address. I already answered and told them to stop contacting me, but they called again. It's super creepy and makes me very uncomfortable.
Consumer complaint received 2019-01-19
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. (AZ)

I have sent three 609 dispute letters to each credit reporting agencies, XXXX XXXX XXXX  Experian, starting in XX/XX/2018 XX/XX/2018 and XX/XX/2018, to verify and validate all accounts and collection accounts and inquiries, yet they fail to give the proper information stated under fcra law, example who verified name dates where the validation came from contracts with my signature on it, or any other documentation supporting these are my accounts. I sent each letter registered with returned signature, they did this up to 12 business days later, when I sent it 2 day mail. inquiries that were not verified and validated, lawyers requested these inquiries not under my authority. to my dismay, they sent back results in some cases over 30 days later which is against fcra law, anything over 30 days must be removed per fcra law. I listed on each letter to each reporting company dates names account numbers and all other important info, but yet would not give me any, documentation or other contracts with my signature on it. nor did they provide any information of who did the verification, or validation dates companys anything. under fcra they are supposed to provide all this, and nothing.i sent 1st letter to Experian on XX/XX/2018 and did not receive until XX/XX/2018, 2nd letter XX/XX/2018, and third XX/XX/2018, XXXX  1st on XX/XX/2018, 2nd XX/XX/2018, third XX/XX/2018, XXXX XXXX 1st XX/XX/2018, 2nd letter XX/XX/XXXX, third XX/XX/2018, now I have there signatures and returned info signed by them for proof, each letter contained accounts, inquiries and collections that needed to be validated and verified along with documentation to show my signature and or contracts nothing was provided on any.please if there is anything you can do, I would appreciate your help to get this straightened out. I am willing to take this to litigation and ask for damages and my time.i can provide each account and dates if wish, aprox. 6 or 7 items on each report with illegal inquiries not authorized by me.
Consumer complaint received 2019-01-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (VA)

Equifax-XXXX  XXXX had did there investigation on these account i had send copys to Equifax XXXX  many time to the years they had not take these account of my credit report. 

1. XXXX XXXX XXXX  XXXX {$700.00} 2.XXXX XXXX XXXX XXXX {$760.00} 3.XXXX  XXXX  XXXX  XXXX {$100.00} 4.XXXX  XXXX  XXXX, XXXX {$1500.00} These account have been investigation by XXXX  and was deleted from my credit report. 

I had ask Equifax to add the these account to my credit report. 

CREDIT CARDS XXXX XXXX XXXX  XXXX XXXX Last reported : XX/XX/2018 {$0.00} Good XXXX XXXX Last reported : XX/XX/2018 {$0.00} Good XXXX XXXX XXXX Last reported : XX/XX/2018 {$0.00} Good XXXX XXXX   XXXX  XXXX XXXX Last reported : XX/XX/2018 {$0.00} Good XXXX/XXXX Last reported : XX/XX/2018 {$0.00} Good They will not add my account to my Equifax report. These are good outstanding account need be add. Just dont unstand why they are doing me like this.
Consumer complaint received 2023-08-10
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: SANTANDER HOLDINGS USA, INC. (CA)

I received a text from Santander that stated the following : 'This is Santander Consumer : We may have a program available that could reduce your monthly payment by 25 %. Please call us at XXXX to see if you qualify. ' I contacted Santander at XXXX and spoke to XXXX ( ID # : XXXX ) who repeatedly threatened me with repossession of my vehicle. I repeatedly asked about the 25 % payment reduction program and was never told details, payment date requirements, nor what I needed to do specifically. I believe repossession was repeated to me at least 4 times which was what i intended to prevent by calling to make payment rearrangements. As the call was not progressing I asked to speak to a manager and was told none were available. I asked if a supervisor was able to call me back and was told that was not possible. I was then put on hold and then hung up on. XXXX also stated that he can not provide a corporate address to me. 

I am a single father who is impacted by Covid-19/Pandemic. My income has been reduced by approximately 40 %. We are living under the threat of eviction and I have been paying my rent plus an additional amount to my landlord as a result. I contacted Santander Consumer USA Inc in response to their reaching out to me via text regarding the 25 % payment reduction program which would allow me to resume payments. 

I was never given ample opportunity to discuss the program in detail, or to apply for the program. The representative ( XXXX XXXX appeared to be driven to obtain a payment as a performance metric primarily. This caused me and my humanity to be pushed aside in effort to oblige Santander Consumer USA Inc collection directives. I was told by representative 'XXXX XXXX on XX/XX/23 this morning that representative XXXX ' noted that I did not qualify for the program due to 'Insufficient Income ' and 'No Next Payment Date ' ; none of which was communicated to me nor discussed fully. The tools provided to the representative 'XXXX  XXXX, were NOT used to the extent of rendering the proper help/assistance available, for a ( an ) unknown reason ( s ).

I also spoke to Executive office representative, XXXX XXXX, ID # : XXXX, on XX/XX/23 at approximately XXXX XXXX who also confirmed that my 'ineligibility ' is noted falsely and in error as what was noted was not discussed with me.
Consumer complaint received 2019-01-08
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (IL)

On several occasions I have called Navient in order to better understand my options for repayment and or lowering my interest rate. Today XX/XX/19 I again called because some of my loan percentages were up to 12 %. I am unable to find information as to what the max is for interest. In the past I have been told there is nothing they could do for me, in addition to, suggesting that I have a child in order to lower my payments because of number of dependents! I have been working hard to pay additional amounts to the higher interest loans in order to pay them off. Each time I get close the rate seems to go up! A year ago the highest % rate was at 8 % and now it is at 12!! There is no attempts to assist you in paying off your loans. The customer service people are rude and not helpful.
Consumer complaint received 2023-08-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (OR)

BSI Financial failed to pay my property taxes from my Escrow account resulting in {$190.00} in late fees from XXXX XXXX. I had to submit the payment personally to XXXX XXXX even though I have an escrow account that is supposed to take care of Taxes and Insurance payments. Also my Home Owners Insurance has repeatedly submitted to BSI financial the Insurance Declaration Page and BSI Financial keeps on loosing it. I had to call XXXX XXXX and tell them to submit the Declaration page again. BSI Financial is an incompetent and costly institution that blames it's incompetency 's to its customers. I want my {$190.00} refunded. I've called BSI numerous times regarding this issue and they keep on avoiding me. I want to be removed from BSI financial and move to a different Mortgage processing company.
Consumer complaint received 2023-08-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: California Business Bureau, Inc. (CA)

I have not supplied proof under the doctrine of estopper by silence, XXXX v XXXX ( mo ) XXXX XXXX XXXX, XXXX presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Consumer complaint received 2018-09-10
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. (TX)

I have tried fixing this with Transunion a few times and it doesn't seem to be fixed. I am a victim of Identity theft. I have not ever signed up for any Subscriptions to any clubs. I do not authorize XXXX XXXX to view my credit reports in anyway nor XXXX XXXX. They appear on my report under promotional inquiries and Club subscriptions, along with XXXX data on behalf of XXXX  and XXXX on behalf of rise. Please do not allow these companies to review my reports soft inquiries or not. I do not authorize XXXX nor XXXX XXXX to review my credit reports either these appear as soft inquiries. Additionally you allowed a Hard inquiry from XXXX XXXX `` XXXX '' to appear on my credit report. I did not authorize this please delete this hard inquiry. Thank you for taking the time to work and resolve the fraud that has occurred.
Consumer complaint received 2023-08-10
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: Exeter Finance, LLC. (TX)

The debt collectors who put unauthorized inquiries on my credit reports. The creditor of these inquiries did used misconduct and fraud while invading my privacy because I did not give them permission to pull my credit, nor did I give them permission to allow others to pull my credit at the same time. I did not give them written nor any permission AT ALL. The FCRA states it is against the law to report anything on my credit report that I did not authorize or want to be or should be not there!! I reached out through dispute XX/XX/XXXX on 4 inquiries with XXXX that were not authorized, nor had my signature or anything to pull my credit and the investigation came back in one day from XXXX stating that this remains the same. How dare they come back in a day without any investigation with no change or deletion. Their bad tactics and incompetence behavior to help the customer is appalling. This was not authorized none of the inquires I disputed on all credit reports. I DID NOT AUTHORIZE ANY OF THESE INQUIRIES,
Consumer complaint received 2021-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AK)

Account Paid In Full, but Experian showing Late/collection. t was paid to XXXX, as shown by XXXX, in full. XXXX and XXXX are one and the same, so both XXXX and XXXX need to be updated as Paid in Full.
Consumer complaint received 2023-10-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (NY)

My Daughter used my cash app card to order boots. When I got home I looked at her purchase. XXXX pairs of boots XXXX XXXX for {$120.00}. To good to be true. I checked the site she ordered from. It came up as a scam site. With a tag of untrustworthy, with multiple complaints of non delivery. I had her cancel her order. She did within an hour. I followed up by calling cash app. The representative I spoke with reversed the transaction. The scam merchant forced the transaction after responding to the cancellation with a notice that I would be contacted soon. I contacted cash app support and filed a dispute. Since then I have filed numerous disputes all to no avail. I have provided screenshots of the cancellation along with the date I personally cancelled it. XX/XX/XXXX. The merchant acknowledged the cancellation, which I also sent in a screenshot. The merchant insisted on sending the merchandise, trying to assure me Id be satisfied with the product. I continued to cancel over and over. After multiple cancellations from me the merchant told me that the items were delivered. By XXXX, however the postal worker acknowledged that no such delivery was ever made. To me or to any of my neighbors. Now the merchant is questioning whether I missed the package, because its small and might not have seen it, and to check that no one in my home signed for it. XXXX pairs of boots are not small. I have sent screenshots of all the information provided by me and by the merchant. Yet my disputes are continually denied. Now this merchant has notified me that they sent the wrong merchandise, and its now my responsibility to find and return it so they can send the right order. All of which is captured in screenshots sent to you. Tracking number has been entered into XXXX tracking system. Package doesnt exist. Screenshot included.
Consumer complaint received 2019-01-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BOK FINANCIAL CORP (TX)

Took XXXX to the XXXX XXXX XXXX atm to do a cash deposit. The atm took the money and then said their was an error returning the funds and printed a receipt that said that. The XXXX XXXX XXXX atm was on XXXX XXXX ATM number XXXX Date XX/XX/19 Time XXXX Called the bank and they said that the atm doesnt show an error but I have the receipt that says it had an error. Said they would attempt to investigate it.

Said they could only do a previsanial credit while they looked into it. But I was advised to make a complaint about the atm