davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: WELLS FARGO & COMPANY (AZ)

At the beginning of XXXX, I applied for a checking and savings account with Wells Fargo. 

On XX/XX/2021, I received an email stating my accounts have been approved and welcoming me to Wells Fargo. 

On XX/XX/2021, I received an email from Wells Fargo for each account, stating that they have made a business decision to close each of the XXXX accounts. 

Unfortunately for me, this was after my XXXX funding transfer from my previous bank ( XXXX ) had already been withdrawn from my account and my old accounts closed. 

After trying to work with XXXX and Wells Fargo, both have been unable to help me get my {$360.00} back. 

XXXX says Wells Fargo has withdrawn it and should have it ; Wells Fargo says it should have been returned to XXXX when the accounts were closed. The XXXX case number was XXXX. The XXXX case number was : XXXX. 

The money never credited to either of the new accounts ; the {$330.00} to the new XXXX savings and {$25.00} to the new XXXX checking.
Consumer complaint received 2022-07-21
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2018-04-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (CA)

XX/XX/2018 I received a letter form this said company Resurgent Capital services. 
On a debit not owed by Me it said the original debt was XXXX XXXX, who i do not have on my credit report current owner XXXX XXXX, ref # XXXX account # XXXX
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. (GA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name XXXX XXXX  Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : 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 make 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-06-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

Between XX/XX/XXXX and XX/XX/XXXX, XXXX unauthorized XXXX charges totaling {$1800.00} were taken from my checking account. I should have noticed earlier but I didn't. I did not make these charges. I did not authorize anyone to use my bank account to make these charges. As soon as I realized what happened, I went to Bank of America and was told that I had to call customer service. I filed a claim with Bank of America and it was denied. I appealed that claim but was ultimately rejected. The letter I received from them said " The charge was authorized by you or made by someone who has permission to use the card or account. '' That is not true and they did not provide me with any evidence to the contrary. The customer service representative said that I was liable for the charges because I have previously used XXXX ( a total of 9 times, totaling XXXX since XX/XX/XXXX and used it 1 time during this time period and I excluded that XXXX charge from my claim ). I submitted help requests to XXXX and each time received email responses that contained no message ( see attachment ). I requested details from my XXXX account and submitted those to BofA but they denied my claim. I attached the XXXX trip data. I did check my bank account balance on the app during this time period but I did not look at transactions. I certainly would have caught this much sooner if I had but I didn't. I was only concerned with making sure I had enough money in my account for whatever purchase I was going to make. I never considered that someone would steal from my account. I feel that it is unfair and unethical for Bank of America to deny my claim. My claim was within the 60 day reporting window. My bank statement that contained an unauthorized charge was dated XX/XX/XXXX. I reported this on XX/XX/XXXX. That is 44 days. Thank you for looking into this matter.
Consumer complaint received 2022-10-20
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 (GA)

I looked at my consumer report and noticed these unauthorized inquiries. I gave no one permission to view my report. There was no permissible purpose written to these companies. Companies are as follows : XXXX XXXX XXXXI Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX + Automotive ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + Automotive ( XXXX ) XXXX XXXX XXXX XXXX XXXX  Inquiry XXXX XXXX. XXXX, XXXX + Automotive ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Auto Financing XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX + Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Auto Financing XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + XXXX XXXX, XXXX ( XXXX ) XXXX CAPITAL ONE XXXX : XXXX. XXXX, XXXX + XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + Automobile Dealers, New XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + Automobile Dealers, New ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + XXXX XXXX XXXX XXXX. 
( XXXX ) XXXX
Consumer complaint received 2018-04-23
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. (NY)

I am writing to dispute an accounts fraudulently opened in my name. I am a victim of identity theft and did not open this account .I also am a victim of the equifax and XXXX data breach. State issued ID have been compromised and my social security has been compromised. 
I am not responsible for any charges made to these XXXX XXXX XXXX XXXX XXXXXXXX mentioned accounts.
Consumer complaint received 2022-06-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am filing this complaint pursuant to the FAIR CREDIT REPORTING ACT AND THE FAIR DEBT COLLECTION PRACTICES. The following accounts have violated my federally protected consumer rights to privacy and confidentiality under the law. As pursuant to 15 U.S.C. 1681. 
/ :. XXXX ACCOUNT NO : XXXX / :. XXXX ACCOUNT NO : XXXX / :. XXXX XXXX ACCOUNT NO : XXXX In accordance to 15 U.S.C. 1681 SECTION 602 A. STATES I have the right to privacy. Also 1681 section 604 A section 2 : states that a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681 c. ( a ) ( 5 ) section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years, agency can not furnish an account without my written instructions.15 U.S.C. 1681S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has cause to believe that the information is inaccurate.
Consumer complaint received 2018-04-22
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Ability Recovery Services, LLC (IL)

Amount {$400.00} owed and made last payment on XX/XX/2017 representative very disrespectful demanding if I had funds to pay for a payment i said no she kept asling when i will have payment then hangs up in my face
Consumer complaint received 2022-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (LA)

I, XXXX XXXX, am a federally protected consumer and I am filing this complaint against XXXX XXXX. XXXX XXXX is in direct violation in regards to the information that is being furnished on my consumer report. I would like to state that XXXX XXXX is in violation of 15 USC 1681b ( a ) ( 2 ), which clearly states that information furnished must be in accordance with the written instructions of the consumer. I, the consumer, never gave XXXX XXXX any written consent to report anything on my consumer report. NO CONSENT = IDENTITY THEFT. The following is a fraudulently furnished inquiry. I did not authorize, benefit from, nor consent to this inquiry and I demand it be removed from my consumer report immediately : XX/XX/2021 ( XX/XX/2021 ). If they are not removed, I will hold XXXX XXXX criminally liable for willful noncompliance and aggravated identity theft pursuant 15 USC 1681a ( q ) ( 3 ) since fraud is being committed using my identifying information. This negative item on my consumer report is preventing me from having a fair and equitable consumer report according to 15 USC 1681b. If XXXX XXXX can not provide to me a copy of when I sent a written permissible purpose to validate this inquiry, I demand they be deleted in XXXX days. Enclosed is the FTC Identity Theft Report which states the above mentioned inquiry that is being fraudulently furnished.
Consumer complaint received 2022-06-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/2022 a deposit was made into my account in the amount of " {$3800.00} ''. The amount was held and processed for XXXX days, im assuming for verification and then released partially on XX/XX/2022 in the amount of " {$220.00} '' then on XX/XX/2022 for the remaining amount of " {$3600.00} '' totalling to the full check amount. After the full check was released and credited to my checking account on XX/XX/2022, I made payments towards any bills I owed. " In good faith '' I might add. The following day, XX/XX/2022 ; without any notification from my bank, my check was reversed leaving my account overdrawn " - {$1900.00} ''. At this point I attempted to contact my bank on XX/XX/2022 to figure out what is happening and it was stated by the representative that I spoke to that the funds are not properly payable due to duplicate presentment of the check and the representative went on to apologize that it was the banks mistake for releasing the funds prior to verifying of the check was payable. He then went on to instruct me to call the bank who issued the check to me. On XX/XX/2022 After contacting the bank who issued the check to me, they explained that it was also a mistake on their part for releasing this physical check to me. 
Both banks said I am liable for their mistakes.
Consumer complaint received 2019-03-22
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (MO)

I absolutely tryed to make online purchases with my card and it would not go through and Them I contacted JcPenny and they said they had no idea what was going on just for me to contact the credit bureaus and see what the problem was I was just very very unhappy and upset because my jcpenneys credit card payment have been in on time and it was always paid completely off and In full I most definitely would like to have my credit card back on so I can make purchases on line please and thank you very much for fixing and finding out what the problem is and my issue,.
Consumer complaint received 2020-12-15
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. (CT)

I submitted a requested of investigation due to a inaccurate information been report in my credit profile this company is allowing without any investigation, i have not received any proof of their investigation they have not take my requested seriously as they should by law. This company is violating my rights
Consumer complaint received 2019-03-22
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I called capital one auto financial to make a payment arrangement, but I was not late yet, I told them that at that time I could not make the payments since I was out of work and they never gave me any solution at any time. I tried to send in 1 month 100 to the next 400 to try to fall into late payments, I insisted on the 3 month and I made a payment arrangement that I had to pay XXXX for 4 months to get up to date, although it was difficult because of the high value of the couta I did it has me month during the period they gave me, now I am completely up to date with a very high interest payment for a XXXX XXXX a month, and so that way I arrive with them to the payment arrangement I have been notified in the 3 credit bureaus as late payments of 30 and 60 days for 5 months, I have been affected by the credit and the worst is that they have no word because while a person is in payment arrangement is considered the good account but this company is all otherwise. They do not want to refinance the debt of the car so that my interest will be reduced. And the last month of the payment arrangement that was in XXXX, I had to pay the payment arrangement I had plus the month of the car. What do I have to do?
Consumer complaint received 2020-09-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (NC)

XXXX XXXX XXXX offers income-driven repayment ( IDR ) plans that offer loan forgiveness after either 240 or 300 qualifying payments have been made. My federal loan servicer is FedLoan Servicing. When you go on their website, they only offer information and loan tracking for 'Public Service Loan Forgiveness ( PSLF ) ' which is completely different from the loan forgiveness offered to individuals that have made 240-300 qualifying payments under IDR plans. Their website only provides the option to track and apply for PSLF loan forgiveness. I have contacted FedLoan Servicing on several occasions to determine how many qualifying payments I have made under the IDR plan and it does not appear that this is tracked in their system. FedLoan Servicing acquired my account in 2014 and based on the response I was given by a customer service agent, it does not appear that payments made with the previous servicer was carried over and tracked in their system. Each time I inquire about my qualifying payments, I'm met with confusion by the customer service agents who eventually wind up manually calculating only the qualifying payments I've made with them.
Consumer complaint received 2018-12-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I contacted transunion through a certified letter in XX/XX/2018 asking for written validation of a collection reported on my credit report. I received a letter XXXX XXXX stating the results were verified and accurate and updated. However I did not receive written verification of the debt validation. I contacted the collection agency as well and still have not received the proof of validation. Therefore the debt needs to be completely removed off of my credit reports.
Consumer complaint received 2018-04-22
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: U.S. BANCORP (TX)

I visited XXXX XXXX XXXX in XXXX, Texas on XXXX-2018 with a pre-qualified notice from my current bank, XXXX XXXX. The salesman and financial manager ran credit report inquiries without my permission with 2 different banks, XXXX XXXX via XXXX and US Bank. 

I called the dealership to complain and they told me I needed to file a dispute. I distinctly asked the sales manager not to run my credit. 

I texted that night after receiving an alert that 2 inquiries were made. I told him I had trusted him and he said he trusted the financial manager also. 

I have the phone text showing this conversation. I also have an email stating I would have to file a dispute.
Consumer complaint received 2019-03-22
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Premier Student Loan Center (CT)

XX/XX/XXXX I signed a document after discussing w/ a third party called premier student loans ; who offered services to me in consolidating my loans leading me to believe that if I paid 6 months worth of {$250.00} for 6 months I would only have to pay {$40.00} to them making me believe that after 10 years the rest of my loans would have been forgiven. They collected information from me as I worked at XXXX Hospital XXXX and XXXX Hospital XXXX  saying I qualified for this assistance. They asked for my ID and password as to make changes on the account 'for me '. My payments towards XXXX were then changed to {$50.00} a month, on top of this XXXX fee. I contacted this company summer of XXXX when I was noticing that I was still paying extra essentially and had done the math in my head that this loan forgiveness didnt add up but they told me I could not buy out of this payment plan and was stuck with them for the remainder of the term I had signed. After getting notification to recertify my income driven plan ( which I didnt realize I was in as I wasnt having an issue paying my loans I just wanted to have loan forgiveness and in turn hopefully lower my payments ) My monthly payments increased to where my usual baseline loan payments were prior to engaging to this company. I have now realized that in the coarse of 10 years I will have given money to a 3rd party for essentially nothing. I believe that I have been scammed out of almost XXXX in using this company and they continue to take out money from my account.
Consumer complaint received 2019-03-22
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (MN)

I have had a Macys XXXX XXXX card through Department Store National Bank. First problem, this is NOT a REAL XXXX XXXX card, and this nebulous bank name is impossible to find a " real '' point of contact. I have had 3 incidents with this bank. 

# 1 I phoned Macys and got the payoff balance for my credit card. I paid it off over the phone and stopped using the card. I was in the process of purchasing a home. There was an outstanding balance of {$2.00} cents that was not paid off ( unknown to me ). It accused months of late charges, and when it came time to get my mortgage, I was denied because of this credit card late charges. Which, because I normally bank online, thought was PAID OFF months ago. Despite 12 phone calls to Macys Customer Services begging and pleading, they would not change the report to the credit bureaus and I lost the house I was trying to purchase and had to wait 6 months to clear up the credit report. 

# 2 I purchased 2 coats online with what I thought was my only macys  charge, my Macys XXXX XXXX card. Week later, returned both cards to store with receipt. when I got my statement there was a XXXX balance, as expected. Two months later, I get a late bill because the cashier returned the coat to my inshore card!!! Which I did not know I had. I was charged late fees, etc ... .Ended up paying in the end! 

# 3 In XXXX my bank gave me a HELOC to pay off my credit cards. They paid with a cashiers check mailed to Macys. It has been 3 months now, and my card still had not been credited for the payoff. I have phoned them 16 times now, and they keep telling me they will research it, but nothing is done. I now owe XXXXXXXX XXXX {$800.00} and Macys {$800.00}. Neither bank will do anything! Criminal