davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-11
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. (DE)

To Whom it May Concern : Pursuant to 15 U.S.C 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or by the issuer of a credit card or similar device Should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( 1 ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit. Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should be removed from my consumer report pursuant to 15 usc 1681a ( 2 ) ( B ). I am demanding that you remove these Transactions from my report immediately as they are a violation of my rights as a federally Protected consumer under title 15 chapter 41. 
1.XXXX XXXXXXXX XXXX 2. XXXX XXXX BANK XXXX XXXX 3.XXXX  4. XXXX XXXX 5. XXXX BANK 6. XXXX 7 XXXX XXXX XXXX BANK 8. XXXX 9. XXXX  10 XXXX XXXX XXXX 11.XXXX Sincerely, XXXX XXXX
Consumer complaint received 2021-07-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

I would like to close my account I went to capital one and Ive been banking with them for a couple of months now I got some money sent to me in my account for my business in capital one is holding my money will not let me deposit anything for XXXX months now I would like capital one to close my account immediately
Consumer complaint received 2017-12-09
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Riverwalk Financial Corporation (LA)

On XXXX XXXX, XXXX XXXX XXXX XXXX Added a collection account to my credit report for an amount of {$14000.00}. I am not responsible for this collection and I do not owe that amount. I was never contacted about this collection ever. Also XXXX XXXX XXXX is not licensed to collect any debts in the state of Louisiana in which this is a FDCPA violation, and the next steps I will take if this account is n't deleted immediately is to file a complaint with my state 's Attorney General and next a lawsuit.
Consumer complaint received 2021-02-09
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: AXOS FINANCIAL, INC. (VA)

My complaint is about Axos Invest ( previously XXXX ) which is a robo-trader / savings account that invests my money into primarily domestic stocks. I have been unable to withdraw money from my account since before XX/XX/XXXX. 

On XX/XX/XXXX, I decided to call customer support as I was unable to withdraw money with the mobile app. I got a response from " XXXX '' saying that they were having an " IT issue '' that would hopefully be resolved that day. Since then, I have had multiple email correspondence with Axos Invest where the only answer I receive is that they are having " IT issues '' and are unable to do anything for me. 

From my position, I have been unable to access my account for nearly 2 weeks. This has caused me financial loss, as I am still unable to access the account.
Consumer complaint received 2019-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: WELLS FARGO & COMPANY (TX)

My identification was stolen due to an clerical error by the Texas dmv & XXXX data breach. 

Wells fargo, for the past year refused to use common sense, approve my personal loan so I can move back to XXXX XXXX, where my identification is valid. 

I was born in Texas, had to change my name os my social security card, I have an statement from XXXX from XX/XX/XXXX : I can use my statement to get my personal loan approved. 

I'm an XXXX XXXX XXXX employee since XX/XX/XXXX. 

I open my account with Wells fargo XX/XX/XXXX less than 2 weeks later I filled an police report with the XXXX XXXX, Tx police department XX/XX/XXXX XXXX
Consumer complaint received 2017-11-30
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: Mercedes Benz Financial Services (CA)

Mercedez-Benz ( MBFS ) claims that I owe them a balance for a terminated lease. In XXXX, I requested an explanation of charges. They claimed they mail such. However, they mailed it to my old address. In XXXX XXXX, this account was placed on my credit report as an adverse account. On XXXX XXXX, XXXX, I contacted MBFS, re-provided them with my new address, asked for the explanation of charges to be faxed, and asked for written confirmation that upon their receipt of payment this account would no longer be reflected as an adverse account on my credit report because I never received the bill I requested from them. They responded irrationally to my request and refused to remove this account from adverse status in light of their acknowledging that they received returned mail from my old address because they never updated my address and their having mailed such bill to an address I have never lived at. Even when they faxed the explanation of charges on XXXX XXXX, XXXX, they still did not update my address despite my having re-provided them my new address when I requested that explanation of charges be faxed. The XXXX XXXX, XXXX fax still reflects the old address. 

I also learned from XXXX that in response to my dispute, MBFS decided to provide updated information. It turns out that they were misreporting information. They initially reported 53 payments. They changed the payments to 34 in response to XXXX investigation. They initially reported a payment on XXXX XXXX, XXXX. They removed that XXXX XXXX, XXXX payment in response to XXXX investigation. That XXXX XXXX, XXXX is days after the leased vehicle had been returned. They also updated the account balance in response to XXXX investigation.
Consumer complaint received 2021-02-09
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: FIRST NATIONAL BANK OF OMAHA (CA)

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and FNB Omaha. The Account Opened is FNB Omaha Account Number : XXXX Date Opened : XX/XX/2017 Balance : {$18000.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Consumer complaint received 2019-05-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: John C. Heath, Attorney at Law, PLLC (OH)

On XX/XX/2019 Lexington Law withdrew {$49.00} out my account with my authorization. I got my bank statment and noticed this. I haven't done business with this company since last year so why would they charge my account. I called the company and they had me on the run around kept connecting to different people but not to the right person I needed to talk to.
Consumer complaint received 2020-05-08
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO. (NJ)

Co sign for auto Loan was not aware loan not already approve XXXX XXXX allow over 10 company to run my credit which result in Hard inquiry on my credit Bureau I did not authorize Liberty XXXX to allow inquiry
Consumer complaint received 2022-10-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc. (MI)

I need to get a copy of my Master Promissory Note for my loans, and my lender, Nelnet, does not appear to have a copy of this. I have tried to get them to respond but I have been unsuccessful. There is an option to get this information on the website, but when I go to this section, nothing is there.
Consumer complaint received 2024-02-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I traveled out the country and stopped at a local gift shop. I attempted to purchase some tequila. I was informed that my card would be charged {$650.00} Mexican pesos for the tequila, an equivalent of about {$40.00} USD. The vendor ran my card and I informed him the charge was in USD. He showed me a screen which said my charge was declined and no charge went through. He then tried to convince me to go to the ATM to withdraw cash to buy the tequila. I declined and left the store without any tequila. Later I disputed the charge with Bank of America because I did not authorize {$650.00} US dollars to be charged to my account. I also never received any product for the money charged. I disputed the charge with Bank of America 2x and was denied both times. The first Bank of America rep informed me that the vendor made 3 attempts to withdraw the money from my card after I already returned to the United States. I was then informed Bank of America had proof that I did authorize the charge. They refused to issue a refund. I received a copy of the proof the company sent to Bank of America. There was a signature on the document, but it was not my signature. The vendor forged my signature.
Consumer complaint received 2022-10-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have used a BoA credit card since XX/XX/XXXX. They provided a 0 % interest transfer rate which I took advantage. That date was XX/XX/XXXX. Immediately after the transfer the bank auto drafted from my bank account in the amount equal to transfer. Yes, they asked for all of it back in the form of a single payment. I provided a complaint to the company and they eventually refunded me the payment minus the normal amount due. The following two months everything worked well, but again BoA changed something and decided to begin charging me interest on a 0 % interest program. I have since called back two times with each employee apologizing for the mistake and claiming the charge will not occur again. Well, we are now in month 3 and it is still happening. I spend over 1 hour each month trying to get this resolved, and essentially training and teaching the individuals on the phone how to resolve this issue. The 2nd time I called I was told a supervisor would call me back to confirm the necessary changes were implemented. That never happen. The third call I was told the same, but right now I am fairly confident that won't happen either. I am also waiting to get the 3rd interest rate refunded and expecting a 4th call ( 1 hour long ) is necessary. In order to get this resolved correctly I am trying this route. BoA has always been known for bad service and nothing has changed over the years.
Consumer complaint received 2020-05-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NM)

I recently complained that wells fargo did not comply wit the cares act to do a forbearance for my loan payments. Wells Fargo called me and XXXX said she would send me a letter stating the forbearance was thru XXXX and that I would not get foreclosed on for the missed payments of the cares act. Then, I never got a letter and wells fargo said they were investigating it. A XXXX XXXX  called me and said wells fargo must research this issue, but they want to research it past XXXX, which would be a payment I am supposed to receive a forbearance for. I made my XXXX payment, and XXXX payment, out of fear wells fargo would foreclose, and now I must make my XXXX payment because wells fargo is investigating whether or not I get the forbearance. XXXX XXXX refused to talk about the cares act, and lied by omission that I should receive a 6 month forbearance under the cares act if I attest that I am affected, of which I am. She refused to acknowledge the law, and was so unprofessional that it borders on negligence for failure to disclose the laws enacted by congress. She can not actively lie by omission.
Consumer complaint received 2022-12-14
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. (GA)

I needed a loan and just applied for one, unfotunately it was denied from the bank. So I pulled my credit report to see if I could see what the problem was.

I noticed a lot of items in my report were not correct, but somehow ended up on my report- this doesnt make sense to me as they arent accurate.
Consumer complaint received 2020-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

A Balance on the credit card which I paid off before the due date had accumilated interest fees on the account without my knowledge. I didnt use the card for months or log in online, then XXXX  notified me the bank had reported a late payment on my credit report. I then called costumer service and they removed the interest fee but told me Id have to contact Excutive about the late payment report. Ive wrote them over a month now and theyve never respond. I paid the balance off before the due date so there shouldnt be any interest or payments on my credit report.
Consumer complaint received 2020-05-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

There is an excessive amount of money in my escrow account. I currently have a supplemental property tax bill due. One installment was due XX/XX/2020 and the next one is due XX/XX/2020. In XX/XX/2020 I called NewRez and asked if some of the excess escrow funds could be used to pay the supplemental bill. I was instructed to send an email with my request and the tax department would review my request and reply to my email. After one month, they had not replied. I contacted NewRez again and was informed that my email had been received and a reply should arrive shortly. No reply came so I paid the first installment. In XXXX I sent another email asking that New Rez terminate my escrow account. When I purchased the loan the escrow account was optional since my down payment was over 20 % loan to value. I received no reply to that request either. I called New Rez again in XXXX and they decided to escalate my case. I was told I would receive a reply within 2 weeks. Today is XX/XX/2020 and have yet to receive a reply to the XXXX or XXXX emails I sent as well as the phone calls. 

I hope you can help.
Consumer complaint received 2016-05-12
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO. (UT)

I have contacted Them at least 4 times to ask for documents to explain why they did not comply with Federal Law 15-USC 1681 623a7 and UTAH LAW UTAH XXXX. XXXX XXXX SEE ATTACHED.. All I did was ask them to proof, they have ignored all my request. in addition they have been notified that the other credit reporting agencies have corrected this error, yet they have a calloused disregard for following the law. I have attached a letter from XXXX telling me that info.
Consumer complaint received 2019-05-13
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. (SD)

I have experienced various forms of harassment by the California Government including XXXXl XXXX as a child. I am trying to remove the addresses that do not belong to me from my credit report. The address listed was initially removed and then added back by Experian. This address does not belong to me and never did. The address is associated with fraud by XXXX XXXX and members of the California Government. 

I want this address removed from my credit report. 

There is a XXXX XXXX who lives in this apartment complex as well as a family member who belongs to a weird XXXX. 

This address does not belong to me and never did under any legislative statutes.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

Every month I have been pulling my credit report and all the information was wrong, I sent in my ID and Proof of address. They haven't corrected or updated it yet. I also seen that there is wrong information on my credit report that shouldn't be there when it comes to my account. I circled all the incorrect information and asked them to prove it, and I know they cant because it is actually incorrect. Now Im at the point where I am waisting money doing this and now Im seeking reparations, and to correct the late payments on XXXX and remove the other accounts XXXX XXXX and XXXX.
Consumer complaint received 2022-12-16
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. (MO)

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 15 USC 1681. 
MO CHILD SUPPORT XXXX. MO CHILD SUPPORT XXXX. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate it lists the Child Support court as the furnisher that's forgery and misleading when the courts don't report this type of account 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 instructions15 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 2019-05-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (TX)

Phoenix Financial is trying to collect a debt that doesn't belong to me I talked to one of their representatives they have my name however the date of birth doesn't belong to me, belongs to my son still they '' don't want to remove the account under my name and my ss # and is affecting my credit.
Consumer complaint received 2022-04-01
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. (PA)

In accordance with the Fair Credit Reporting act XXXX  # 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 2021-02-09
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: SYNCHRONY FINANCIAL (NC)

I opened a Synchrony XXXX XXXX XXXX credit card and I subsequently paid it off timely as I do with all of my accounts. 


XXXX XXXX Payment of {$500.00} Balance of {$1800.00} XX/XX/XXXX payment {$1000.00} balance of {$1300.00} XX/XX/XXXX payment of {$500.00} balance {$850.00} XX/XX/XXXX Payment of {$300.00} balance of {$550.00} XX/XX/XXXX Payment of {$200.00} balance of {$570.00} XX/XX/XXXX payment of {$570.00} no balance Paid in full Somehow per the credit report they found an additional {$10.00} to charge me on something I did not buy. So I was reported XXXX in XXXX, XXXX, XXXX, XXXX. In XXXX they closed the account it shows CBG. I called and Spoke with someone on XX/XX/XXXX and they advised my score/credit would be fixed by XXXX. However, they updated my report to say it was closed on XX/XX/XXXX Owing {$0.00}. 

This did not correct my report I was attempting to get approved for a house and this has through a complete curveball at me. I've never paid anything late and I pay all my accounts in full and on time. Please review with Synchrony and have them correct there records. Not only did I not pay late but they closed my account and did not correctly report me as paid in full. I expect my credit report to be correct to show my account was Paid in Full as of XXXX and the late payments reported to be corrected.
Consumer complaint received 2021-02-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Complete Credit Solutions, Inc. (OH)

I never had company or use it before they are saying i sign a contract for 3 years which i didnt. Just for them to leave me alone, i made payment plan for XXXX  every paid period. I dont owe them at all. Protect America there collections are called complete credit solutions
Consumer complaint received 2018-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I applied for a XXXX Store Card on XX/XX/18 which is offered through XXXX XXXX out of XXXX FL. On XX/XX/18, I received an electronic letter informing me that my application was denied because of some key factors that adversely affected my credit score.

My complaint is the credit score XXXX XXXX pulled on me is inaccurate. My credit score with the 3 credit bureau 's are higher than what XXXX XXXX has reported. Another key factor that adversely affected my score with XXXX is " Too few open end accounts ''. This is inaccurate based on my credit scores listed with the credit bureaus. The bureau 's report the following open accounts which are in good standing and current ( i.e. Student loans, XXXX XXXX Credit Card and XXXX Credit Card ). 

When I search the address for XXXX XXXX online, it doesn't give an address in Florida and I'm concerned that the address given for XXXX XXXX on the letter that is listed in XXXX Florida is incorrect. 

XXXX XXXX states that my credit is XXXX. The 3 credit bureau 's report my credit score 's over 600. Your assistance on resolving the big gap in scores is greatly appreciated!
Consumer complaint received 2016-01-07
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: SUNTRUST BANKS, INC. (GA)

I opened several accounts with SunTrust Bank. When I returned back to the XXXX after several years to check on the accounts SunTrust Bank representative donot recognize any of the accounts ( one account was an IRA ). 
I have checked such websites XXXX. These accounts were opened in the late XXXX.