davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-05
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: CARD Corporation (KY)

On XX/XX/2019, I was charged twice for an auto loan payment. The merchant, ( XXXX ) refunded and canceled the payment back onto the prepaid card that day. Upon further waiting on the refund, I called XX/XX/2019 and the prepaid card company ( Card.com ) informed me that I would need to wait 3-7 business days for the funds to be applied back to the card. I was also informed if I wanted the funds sooner, I would need to do A Merchant Hold Letter basically stating a reason why they need to manually override the pending transaction. I had asked to put them on hold and do a 3-way call so my auto loan representative ( XXXX ) can get the proper information to faxing what they needed. It was faxed on XX/XX/2019 approximately at XXXX XXXX. I also submitted a email receipt from the auto loan stating the cancellation of the payment and refundable amount to the card. It is now going into XX/XX/2019. I had called again that XXXX and spoke to a representative ( Card.com ) about the refund. I had asked if they received the faxed from my auto loan people and I was informed that once faxed, it would 24 to 48 hrs to do a verification and if approved, they would override and release the funds. I had called back again same day to see about the fax and approval to getting the funds released. I was informed that I would now have to wait an additional 30-90 days for the investigation to be completed. I had asked why does it need to be investigated when I all the documents where accurately sent. I was told that it was a disputing transaction or refund would be applied back to the card no later than XX/XX/2019. I told the representative ( Card.com ) that was not accurate information that I was told in the beginning. The representative ( Card.com ) continuously repeated him/herself and wasnt trying to resolve my case based on what was said at first. I was placed on hold for hours at a time, I was disrespected, they hung up on me and rudely interrupted me while explaining my concerns about the refund. I am now seeking other means to regaining the funds thru this complaint.
Consumer complaint received 2021-11-02
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: CAPITAL ONE FINANCIAL CORPORATION (CT)

Capital One has run multiple unauthorized hard inquiries on my account from all 3 bureaus. I only authorized one and they ran multiple. I called and spoke to a supervisor before the second inquiry was processed and asked Capital One not additional hard inquiries in the first place and Capital One ran a hard inquiry anyway. 

XXXX : CAPITAL ONE/BASS PRO ( Bank ) XX/XX/2021 CAPITAL ONE/BASS PRO ( Bank ) XX/XX/2021 XXXX : CAPITAL ONE/BASS PRO XX/XX/2021 CAPITAL ONE/BASS PRO XX/XX/2021 XXXX : CAPITAL ONE/BASS PRO XX/XX/2021 CAPITAL ONE/BASS PRO  XX/XX/2021 Capital One/Bass Pro also preys upon consumers by offering them promotional interests rates, promotions but when they take longer to process the application, they don't apply the promotion to the consumer 's account.
Consumer complaint received 2023-03-10
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: OneMain Finance Corporation (MO)

I purchased a car on XXXX. The car lot ( XXXX XXXX ) provided me with options for obtaining financing for a XXXX  XXXX XXXX I wanted to purchase. We decided to use ONEMAIN. I asked the salesperson XXXX XXXX XXXX if I needed proof of income and he advised no ; he had spoken to ONEMAIN on the telephone. I completed the application and it was sent in with my drivers ' license and proof of insurance. The documents were uploaded electronically thru a link they sent me. When I sent the items thru the first time, it asked for proof of income but I did not attach anything as I was told it was not needed. The transmission did not go thru as completed because the proof of income had not been uploaded. I showed that to XXXX the salesperson and he thought it was odd as he was told no proof of income was needed. I had my XXXX in my phone so I uploaded to the site. The loan was then approved. I believe I was asked for proof of income as ONEMAIN then had a copy of my driver 's license that confirmed my minority status. I believe when they saw I made over $ XXXX a year, they did not accept that a minority woman could earn that much money. In response to the XXXX XXXX review, I was told to contact XXXX with my concerns. On XXXX, I spoke to XXXX with ONEMAIN ( XXXX ext XXXX XXXX ) who confirmed the above timeline of documents. I explained how humiliated I was. Her response was " if I was so humiliated, why didnt I say anything to the salesperson ''. I explained that I was going to let it go until I received the XXXX XXXX  survey request. She said their systems are automated and there was no malicious intent. Then why would the loan application not go thru the first time. This has to be a glitch they are aware of and feigning ignorance or a systems error is not an excuse for XXXXXXXX XXXX. What I believe to be XXXX XXXX has to stop. By the way, the representative I spoke with was very professional.
Consumer complaint received 2021-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MA)

XX/XX/2021, XX/XX/2021 XXXX : {$1400.00} This item was disputed multiple times also agent called credit on 3 way and we still couldnt get any validation or documentation send in mail. Consumer creditor completely would allow documentation to be sent out to me for proof of this debt and this is not my debt. 

Also I have NEVER received any information on this account by mail. 

Also I filed a complaint with the CFPB about the creditor. 

Consumer creditor call company while I was on the phone the original creditor is no longer in business. No information can be found by the original creditor.
Consumer complaint received 2024-05-13
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CITIBANK, N.A. (OH)

Received the uploaded letter requesting private personal information I hope from Citi Bank 's card service with a short timeframe threatening suspension of account. Phone number on back of credit card was answered with third part recorded ads. Manager of unit ultimately reaching by looking up the number from a statement and being transferred twice requested different personal information than what was originally requested. She could not put an accurate request on stationary or provide a deadline to allow a properly formatted request after XX/XX/year>. 

Citi should be much more professional in their requests.
Consumer complaint received 2020-11-16
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. (FL)

Creditor was advised of personal difficulties regarding reduced employment and lack of financial ability to satisfy debt due to COVID-19. Creditor indicated account deferral was available and - notwithstanding said deferral - subsequently reported account delinquent to the credit reporting agencies ruining an otherwise perfect credit history. Creditor should investigate and correct account history consistent with protections available for those negatively impacted by COVID-19.
Consumer complaint received 2022-04-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: WELLS FARGO & COMPANY (OR)

Please register my complaint regarding predatory practices of Wells Fargo, specifically complete, blatant disregard of my right to privacy. 

To install a new heat pump in my house, I elected to finance it through Wells Fargo, since that was the preferred financier of XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Upon submitting my paperwork to have the loan and having it approved, I was notified that it is not actually a loan, but a credit card. Surprise! Not only it is a credit card with a very high interest rate, but in order for me to pay the said credit card, I have to enroll in WellsFargo 's online banking. To sign up for online banking, I must consent to the following : " By selecting Continue, you agree that Wells Fargo Bank , N.A . may contact you at the phone number listed above even if we use an autodialer or artificial or prerecorded voice message to call or text you for servicing purposes. If the phone number you provide is registered to a mobile phone, your mobile carrier 's charges may apply.

You represent that you are the owner of the mobile phone number or have the delegated legal authority to act on behalf of the mobile subscriber to provide this consent.

You understand and agree that Wells Fargo may collect, use and retain personal or other information about you or your device according to pursuant to Wells Fargo 's policies or as required by applicable law. 
You authorize your wireless operator to disclose your mobile number, name, address, email, network status, customer type, customer role, billing type, mobile device identifiers ( XXXX and XXXX ) and other subscriber and device details, if available, to Wells Fargo and service providers for the duration of the business relationship, solely for identity verification and fraud avoidance. '' There is no option to opt-out. 

This behavior is predatory. As a consumer I have the right to opt-out of this data harvesting and robo-calls, however Wells Fargo does not give me this option when trying to enroll and pay the balance on my card. 

Forced consent to robo-calls and blatant data syphoning should be prohibited. Wells Fargo has no right to see, use, and sell my data. 

Thank you! 

XXXX, XXXX
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am solely making this complaint because Of a multitude of complaints that I've been having with Trans Union I have called numerous times sent numerous letters been on voice recordings telling them since XXXX I've been sending my letter out My CFPB report and things of that nature Any FTC report since then nothing has been done Inquiries had still been coming onto my credit report and as it states in the black and white at the header of my credit report ID security alert fraudulent applications may be submitted and my name or my identity may have been used without my consent To obtain goods or services do not extend credit without first verifying the identity of the applicant I can be reached at XXXX This security alert will be maintained for 1 year beginning XXXX XXXX XXXX I have never had a call or email from Trans Union and I have the proof my phone was stolen one time and I made a report I sent it to them they did not get it not saying it's their fault but I sent it twice This is the only way that I know to get through to them and let them know that I'm serious What I would like from them is to take the inquiries off immediately for when the beginning date was back in XX/XX/23. I have been calling numerous times every week I don't know if somebody's going to my mailbox I just know I'm tired of it and for them not to even acknowledge whats in black and white they should call me or let me know before anybody or even if they had a thought to second guess it twas me i was supposed Notify Call he says it in black and white to call that number They never did that and because of this they have violating my consumer rights 12 CFR 1006. 34 ( B ) ( 5 ) Stating and I quote connection agency has not provided validation information under 12 CFR 10634 B5 but yet they placed a collection slash inquiry on my consumer report In collection agency Has no authority to furnish any account to a consumer report agency without providing any and all disclosures Require by law And they are in clear violation I would like all of my inquiries off from XXXX XXXX XXXX  because I'm on the planet Put microphone off 23 immediately And if I don't hear back Inadequate time I'm protecting it the small claims court and I would want it {$1000.00} for each violation Thank you very much Have a great day
Consumer complaint received 2023-03-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (OH)

On XX/XX/XXXX at XXXX after receiving a deposit into my Venmo account which I was expecting from a third party who offered Venmo as a means to issue me a refund I was owed, Venmo did not allow me to transfer my funds to the bank and suspended my account. I have tried emailing, chatting and calling and they refuse to give me a reason and are holding my funds for no reason. I am not given a reason and can not use my funds. No one will give me an answer.
Consumer complaint received 2021-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ARVEST BANK GROUP, INC. (WA)

Under RESPA my loan should never have been reported as late as I am protected from any lates fees and/or late reporting for 60 days within my loan transfer. 

Avrest Mortgage recieved my loan on XX/XX/2020 and went ahead and reported me late to my credit report on XX/XX/2020 along with charging me a late fee on the XXXX which was finally waived, however they have failed to remove the 60 day late on my credit report which is negatively effecting my current loan application Under RESPA they are required to immediately remove this reporting and fix their violation, instead customer service informed me they would review their mistake, which they admitted and wrote notes on, however it would take up to 60 days, whereas they should have immediately inputted a request for immediate action This is a major violation and needs to be corrected as it is costing myself damages in loan approval based on their inaccurate reporting furthermore they are continuing the negligence by failing to remove the information immediately as required by law instead choosing to give me 60 days for a review.
Consumer complaint received 2021-06-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (CO)

Re : Zelle XX/XX/21 {$370.00} Currently on hold with XXXX  XXXX XXXX to halt the processing of this payment ... 

XXXX  me, attempted to buy soccer tickets on XXXX. I had my doubts but the seller kept reassuring me along the way. Once the money was sent he kept sending additional requests for money. I never rec 'd the tickets and the seller refused to refund my money.
Consumer complaint received 2023-03-08
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: Convergent Resources, Inc. (FL)

15 USC 1681 Section 602 States I the right privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under aopen-end consumer credit plan as late for any purpose.
Consumer complaint received 2023-03-27
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. (AZ)

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account.
Consumer complaint received 2020-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MI)

Experian is reporting inaccurate information on my credit profile, the inaccurate information in question is the addresses of XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, mi XXXX, XXXX XXXX XXXX XXXX, mi XXXX, XXXX XXXX XXXX XXXX, mi XXXX. these address are not my address and I have never lived at any of or affiliated with any of these listed addresses. I have attach a copy of my Michigan state drivers license, with my correct address, and my social security card so that Experian can successfully identify me and know I authorized this claim. some of these address may be the result of identity theft, so I will also attach a copy of my identity theft report. the address on my state id is the only address that I recognize and is my correct address.
Consumer complaint received 2017-12-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (CA)

On XXXX XXXX, XXXX I deposited my check at an ATM owned by Wells Fargo bank. The check amount for my paycheck was {$1500.00} and the bank error deposited only {$510.00} and shortchanged my funds of {$1000.00}. When I called Wells Fargo ( six times ),  the bank told me that there was nothing they could do at moment. I have proof of photo of the paycheck and amount and deposit amount in my email from Wells Fargo. They emailed me it. I am disputing {$1000.00} as I believe Wells Fargo committed financial fraud on me, a loyal customer.
Consumer complaint received 2020-12-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (TX)

I went to XXXX XXXXXXXX, to get a car. They told me I was approved through Santander for an auto loan. They did not ask me for proof of income. I believe the car company altered my application possibly for loan approval. I was not making more than {$900.00} or so a month and they told me they would give me a car. At the time and until recently I was not made aware Santander used an internal score. Santander never told me I actually find out a few days ago. Other institutes werent able to view my information for a car loan. I was given a loan by Santander knowing I would not be able to afford it. They knew I did not make enough to afford the payment. I have tried month after month since XX/XX/2015 to pay this car off. I called hundreds maybe thousands of times telling them I dont understand why not much of my payments go towards interest. I have paid over {$18000.00} dollars to this company on a vehicle I financed for {$14000.00}. I have been lied to so many times by Santander and threatened with repossession that this situation has caused me XXXX. I want to be treated like a human and have this loan forgiven immediately. There were times I made a payment of over {$300.00} dollars and {$20.00} dollars went to the actual vehicle. I have filed complaints and no one will help me. I have had financial issues throughout but I always make a payment and do catch up payments. Customer service tells me one thing then another then another and nothing goes together. The executive team wont let me speak to someone over the person that does speak to me. I was given an unfair loan by Santander and I would like for them to make it right.
Consumer complaint received 2021-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Santander Consumer USA Holdings Inc. (TX)

I opened an account with Santander Consumer back in XXXX for a XXXX XXXX. The car was marked as a charged off account as of XXXX and is still appearing on my report. Santander keeps selling this closed account to other business and therefor still showing on my account.
Consumer complaint received 2021-04-09
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NV)

Experian Credit Continues to report fraudulent and inaccurate information after receiving a response from creditors who initially reported the adverse information to the bureau. Experian continued to damage my rating by reinserting collection which were remove after original creditor acknowledged the error. Experian will not allow me to dispute these inaccuracies and fraudulent account online and when I contacted them directly they put me on hold for 30 minutes, looping me around between representative and then when I simply ask why they will not correct the issue the phone gets disconnected.

When the representative asks if I file a complaint against Experian to CFPB, I said yes and few minutes later the phone disconnected.
Consumer complaint received 2022-04-26
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. (GA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2021-06-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

I'm having a problem with Bank Of America because 3 times already someone used my card.The first one is that someone used my debit card in California in one of the gas station there.Someone withdrawed {$200.00} there on XXXX XXXX.The Bank Of America paid me already on that one but the other fraudulent charges and withdrawal the Bank Of America didn't pay me yet.The second time someone used my card is on XXXX XXXX they used it for {$250.00} on XXXX XXXX.And on XXXX XXXX for {$140.00} on XXXX.The third time someone used my card is on XXXX XXXX.Soneone withdrawed {$520.00} on the ATM machine.The Bank Of America sent me a letter and said they credited my account for {$140.00} but they never did.I need ur help to get them pay for the fraudulent activities on my card.Im a single mom and I have XXXX kids.Theyre asking me to send them money but I have no money to send them because someone withdrawed my money.Im unemployed.The account I have on Bank Of America is my unemployment.Im going to call the unemployment to ask them to transfer their payment on my other bank account.Im only depending on my unemployment.Pls help me with this problem.Thank u so much and God bless.I appreciate ur help.