davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Credit Karma (MO)

On or around XXXX to XXXX I saw a Loy of pre approvals on Credit Karma. At first I didn't pay attention to the advertisements but Credit Karma kept sending me emails and all sorts of pre approvals telling me that I was pre approved for credit cards personal loans, and that I can refinance my car everyday I would see these offers when I log in to check my credit score. So after a few months of being told I was pre approved I thought I was in the perfect place to apply, I got so many offers through Credit Karma I started telling my familytqhe good news and we talked about vacations and investments we were going to use these pre approvals for. So I applied sometime in XXXX and XXXX for offers and I got denied for everything I applied for. I was distraught and very very angry and I felt deceived. I was marketed to for months from credit karma telling me I was pre approved, this was a lie, I was sevearly stressed I was XXXX  for weeks, XXXX  so bad, my XXXX XXXX went up. I became XXXX, my XXXX  went from 0 to 100. Now every time I see pre approval I immediately close my phone or shut off my computer.This has made me so uneasy and anxious that I haven't checked my credit as frequently as I should.
Consumer complaint received 2017-04-26
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: EQUIFAX, INC. (GA)

Ive Been trying to resolve the multiple duplicate negative student loan accounts on my credit report. The credit bureaus are neglecting to verify my account properly. If they can not verify or determine which ones are duplicate or original. I am requesting that all be deleted.
Consumer complaint received 2017-04-26
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. (WI)

XXXX    XXXX   XXXX   is inaccurately reporting payment information to the credit bureau. No payments prior to  XXXX   XXXX  should be reported for this account. The account was transferred from  XXXX   XXXX  in  XXXX  of  XXXX . All payments prior to  XXXX  of  XXXX  were made to  XXXX   XXXX  and are being reported by  XXXX  causing duplicate payment history and the credit bureaus double counting late payments when calculating the  credit score c ausing the score to be lower by  XXXX  basis points. I have contacted  XXXX  regarding this issue and filed disputes with the credit bureau and the information is not corrected.     Original complaint  XXXX  was filed last year.  XXXX  corrected my credit reporting for all   XXXX    credit bureaus and  XXXX  for my husband. When I contacted  XXXX  to indicate  XXXX  of the  XXXX  credit bureaus were not fixed for my husband, they then reverted my husband 's  XXXX  report back to the incorrect reporting and then started reporting his account under my son 's credit reporting ( son is a  XXXX   ).  When I contacted them about this, they fixed the incorrect reporting on my son but never the incorrect reporting for my husband. I have been contacting them almost every month to get this resolved but they keep telling me either it is being reported ok or they have to place the account back in a dispute status to fix it which lowers   XXXX   XXXX   XXXX    XXXX  to  XXXX  basis points. Each time they say it will take between 30 to 90 days to fix it. Should this not have been fixed within 90 days of the original dispute filed back in  XXXX  of  XXXX . The inaccurate reporting is causing my husband 's  credit score  to be lower by  XXXX  basis points. We know this because when  XXXX  was temporarily fixed the score went up by that amount. He wants to purchase a new car but wants his credit to be accurately reflected before it is pulled.     I have been trying to get  XXXX  to fix the inaccurate reporting for almost nine months. They have promised to call back and never do. They say they have to place the account in a dispute status which I do not understand when this information was already disputed, they sent me a letter stating it would be fixed, and they partially fixed it. I also do not understand how  XXXX  and Experian can lowe r my credit score  by  XXXX  basis points as soon as the account is put into a 'dispute ' status.  XXXX  lowers by  XXXX  basis points. If I am disputing inaccruate information on my credit report, why am I being penalized. And when the account is put into dispute it is put into dispute for both my husband and myself which affects both our individual credit scores.
Consumer complaint received 2017-04-26
Product: Credit card or prepaid 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: Neon Newco Corporation (GA)

On  XXXX   XXXX ,   XXXX   I became a victim of identity theft when NetSpend Corporation sent my new prepaid card to an address in  XXXX , Florida although I reside in  XXXX , Georgia. The unauthorized charges totaled {$310.00}. On  XXXX   XXXX ,   XXXX   I used my NetSpend card to purchase a computer and software from  XXXX   XXXX   XXXX  in the amounts of {$2800.00}, {$190.00} and {$160.00}. On  XXXX   XXXX ,   XXXX    XXXX   XXXX   XXXX  refunded me amounts of {$2800.00}, {$160.00} and {$9.00} ; the refund was charged back to my NetSpend card I used to purchase the computer and software. Note : All charges to my NetSpend card/account are text directly to my cell phone. On  XXXX   XXXX ,   XXXX   I received a text from NetSpend indicating that my account was closed with a balance of {$3400.00}. The {$3400.00} balanced included my refund from  XXXX   XXXX   XXXX . As of today,  XXXX   XXXX ,   XXXX   I have not received correspondence from NetSpend regarding what happened to my funds ( {$3400.00}  ) ;  if correspondence was sent then hopefully it was not emailed to the identity thief. I have check all of my credit reports and only NetSpend account was compromise. I also filed a complaint with the Federal Trade Commission. I will appreciate it if the CFPB can assist me in my attempt to recover my funds.
Consumer complaint received 2017-04-26
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: Experian Information Solutions Inc. (CA)

To whom it  may Conc ern, Experian Customer service would not help me and take care of the negative inquiry reporting to my credit report. The inquiry name is  XXXX   XXXX   XXXX  date  XXXX / XXXX / 2017 . Thank you in advance.
Consumer complaint received 2023-01-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (GA)

Wells fargo continue to provide Inconsistent reviews with facts left out that are not reviewed by a Manager but multiple different representatives who have confused this case. I received a letter of conclusion per a XXXX  complaint with final credit of my funds only to have them turn around by another representative and reverse the money back. Product ordered through XXXX XX/XX/22 for XXXX bottle Keto Gummies {$59.00}. Merchant conceals final purchase and amount at checkout and runs it straight to the bank and you have no way of knowing what they charged until you check your account. They had fraudulent charged me {$250.00}. I received a fraud alert from Wells Fargo on XX/XX/22 and called them and told them I am disputing charged and I did not authorize {$250.00} on my card. The Merchant added on more products. They still let the charges go through after initially denying them. I called Merchant within 18 hours and asked why they charged my card with unauthorized products. They apologized said the order would be cancelled and gave me the cancel number which is same as order number for current and future orders. Despite this, they shipped product anyway. I shipped back on same day received XX/XX/22 via XXXX store. I provided Wells Fargo the receipts and even called them and asked them to do three way called after two reps at the company told me they cancelled the order. They would not get on a conference call but told me to have Merchant send a letter which they never did. Wells fargo credited my account back the money but since then had had multiple people confused about the issue get the amount reversed back. Facts are not stated and left out. I was told final credit in a letter they sent dated XX/XX/22 only to have money taken back again on XX/XX/22. They never had a Manager review any of it. I want my {$250.00} back. None of their people have the facts straight and do not know what they are doing. I only had one dispute with two numbers. I received a credit and reversal under the first, therefore, lady opened dispute in another number because she said she could not reopen and give money back under the closed dispute so she open the same dispute transaction but put under a different number. Same transition with two different dispute numbers not three or four as they are stating., I cancelled that debit card so Merchant wouldn't continue to recharge it. I want some accountability for this night mare by Upper Executive leader and bit an escalation specialist. I am not confident in their investigation and findings because there are a lot of missed information and facts and information that is not correct in their letters. Wells Fargo was sent multiple emails many times with receipts and letters and the cancellation number provided.
Consumer complaint received 2017-04-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP (NC)

I submitted a check made out to me personall y (  check on  XXXX   XXXX  made payable to  XXXX   XXXX  in the amount of {$7500.00}, for deposit to a corporate account on which I am the sole signatory,  XXXX . Have done this abou t 100 ti mes before. Deposit was refused. Told by  XXXX   ( r efused to provide further id ) that this could not be processed.
Consumer complaint received 2018-11-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (MI)

Well Fargo wrongfully foreclose on my home 2008, and I have fought to have them compensate me for the action, which cause the loss of that property valued at over 200k, this complaint has been instituted ( 4  times ) the last time it was forwarded to XXXX for a local law firm to initiate the law suit they told me to acquire an attorney. that is the reason we attempted to utilize their services. the name of the firm was XXXX XXXX XXXX telephone number ,XXXX and a web address of XXXX.this information was given through XXXX # XXXX. 

My window of opportunity is going to close by the end of the year, and statue of limitation is going to end.
Consumer complaint received 2022-09-30
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (GA)

In XX/XX/2021 I applied for a CareCredit credit card through synchrony Bank. They had a hidden promotion using a deferred payment amount that would charge 26 % interest after 12 months of payments. They don't make it clear that this was the type of loan when receiving the card. I was under the impression that this was a standard credit card with a limit and interest rate. I just got to month 13 of my auto pay, and saw a higher balance, so i tried calling them and seeing if I can pay off the card without the deferred amount since I didn't know it was a promotion. They basically told me I should of figured out all this by reading my statements carefully. This is a scam designed to have the customer believe he is paying on a credit card then set him up for a high interest loan.
Consumer complaint received 2017-04-26
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (MI)

When speaking with the employees of Navient, I am never given a specific name of the person that I speak with, so I am unable to convey that. I have called Navient multiple times to inform them about the fact that I am unable to make payments, as they are too high. I have received different information from all employees that I have spoken with, I have asked for them to help me, and I have been told that my cosigners need to submit a financial statement. I was told the last time that I spoke with Navient that one of my cosigners did not need to submi t one. Th en I was told the next time that I spoke with them that it was required. I am being told false, inconsistent information, and I need assistance with lowering my payments. Navient is also calling me multiple times a day while I am working, requiring payment when I have communicated that I need assistance from them.
Consumer complaint received 2017-04-26
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Nelnet, Inc. (NY)

On  XXXX   XXXX  I went to the website of my student loan company  (   XXXX   ) o nly to find it no longer existed. When I tried to call I could n't get through. Four days later with no news, I Googled  XXXX  Student loans and found a blog which stated that they were no longer handling student loans. After more research I found the company that has taken over my loan - Firstmark Services. I contacted them immediately through the website after creating an account with all of my information. I emailed to ask for 4 months forbearance. Instead of granting it, they began calling me repeatedly  ( 3  times before noon ). I called back, explained my situation and asked the calls to stop. They agreed to put them on hold. Two hours later I received another phone call.
Consumer complaint received 2023-04-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: ALLY FINANCIAL INC. (MO)

As a result of the repossession of my XXXX XXXX XXXX the first week of XXXX, I no longer have title to my car. I fulfilled all demands of Ally Financial, INC and recovered my car by XXXX XXXX XXXX 
Last Saturday, when I attempted to sell my XXXX XXXX at XXXX, I was informed it would be impossible to complete the transaction as my title was invalid. Ally had modified the title, making, Ally Financial, the owner in XXXX, Michigan. 
When I called Ally on XX/XX/XXXX about getting that the title corrected, I was informed it would take 3 to 4 weeks for them to send me the documents necessary to correct your mistake ( and these documents could not be emailed or faxed ). 
In the meantime, I can not sell the car. 
Strange that Ally was able the change on XX/XX/XXXX, one day after I paid the amount past due ( XXXX XXXX XXXX ) and met all the demands of Ally regarding the repo. 
Evidently, Ally 's departments do not communicate or check to see if such actions are accurate, prudent or appropriate, let alone ethical or legal, I was never informed of the change of ownership on this title. 
Also, there were personal items removed from the vehicle and I have sent numerous emails about this to XXXX over the past month with no response. 
I do not understand 1 ) how someone can make changes to a motor vehicle without due process of the law, and 2 ) when they do modify the title ( after the loan/lien has been reinstated ), they are unable/unwilling to correct their error in a timely/expeditious manner. 
Thank you for any assistance you may provide.
Consumer complaint received 2021-08-04
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-08-03
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. (LA)

I have submitted several letters to all XXXX credit bureaus- Equifax XXXX XXXX XXXX and XXXX disputing this Account with ( XXXX XXXX XXXX XXXX - name as reported to my credit report. They keep sending me a letter that this account was verified but have failed to explain WHY, WHO, & WHEN. ( DEBT VALIDATION ) They have failed to present me with proper documents that show their method of verification. They have also failed to show me original documents bearing my signature with this account. 

This account also shows a few incorrect information such as the ''date opened '', ''date verified '', '' closed date '', ''account status '', ''dispute status '' and ''date of last activity ''. ONLY XXXX BUREAU IS SHOWING A ACTUAL CLOSED DATE FOR THIS ACCOUNT. THIS ACCOUNT NUMBER IS ALSO INCOMPLETELY REPORTED FROM ALL XXXX BUREAUS. This account is also in VIOLATION of Metro 2 Compliance because THIS ACCOUNT IS ALSO REPORTING INCORRECTLY & ALOT OF FIELDS ARE BLANK & MISSING INFORMATION. THIS ACCOUNT IS ALSO REPORTING A " LATE-PAYMENT STATUS '', WHICH IS ILLEGAL BECAUSE A CLOSED ACCOUNT IS NOT SUPPOSED TO REPORT LATE PAYMENTS NOR A BALANCE. 

In addition, I have been sending dispute letters to these bureaus and they have FAILED to update the ''dispute status '' of this account. 

All XXXX credit bureaus are reporting DIFFERENT INFORMATION on this SAME account which is ALSO against my consumer rights. According to the FRCA consumer reporting, agencies must correct or delete inaccurate, incomplete, or unverifiable information. If this INCOMPLETE, UNVERIFIABLE, UNFAIR, and INACCURATE information is not deleted in 30 days I will be visiting my local small claims court to begin the process of a Lawsuit against ALL XXXX credit bureaus and ( XXXX XXXX XXXX ). I expect to receive an updated credit report within the next 30 days showing that this account has been DELETED.
Consumer complaint received 2022-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Synovus Bank (GA)

The company is in violation of reporting transactions or experiences on my consumer report. Law 15 USC 1681a 2 ( A ) ( i ) exclusions clearly states the consumer report does not include transactions or experiences. 
This also violates my right to privacy, is negligent non-compliance, civil liability, deformation of character
Consumer complaint received 2022-08-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

My debit card was stolen on XX/XX/XXXX and was used at many different places without my authorization. There is a total of {$2200.00} of fraudulent charges- at gas stations, grocery stores, and ATMs that were not made by myself. XXXX charges were of cash back at XXXX grocery stores- in a row. This is a Chase debit card and Chase refuses to investigate further. I have spoken to 3 supervisors in the fraud department.
Consumer complaint received 2022-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

Acount number # XXXX ( XXXX I've submitted a letter to all three bureaus no response and nothing was done- on the credit report reinvestigation is in progress this has been since XX/XX/2021. I requested contract paperwork with my signature regarding this student loan, again I have no idea who this company is etc.
Consumer complaint received 2023-01-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (NC)

I have submitted the complaint in the mail with supporting documents through USPS tracking # XXXX XXXX XXXX XXXX XXXX XXXX and i want to submit online to get the status.
Consumer complaint received 2022-09-29
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: EQUIFAX, INC. (NY)

On XXXX XXXX, I've sent letters to all 3 credit agencies for a investigation of inaccurate information reporting on my credit report. I've gotten no investigation letters from bureaus.
Consumer complaint received 2022-08-03
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. (DC)

EQUIFAX is unlawfully reporting an unauthorized inquiry on my consumer report. I have not given EQUIFAX permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. 

You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
By putting inaccurate information on my consumer report on XX/XX/XXXX without my permission, or without a permissible purpose by law, EQUIFAX are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). 
Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. XXXX  ) I have not initiated any transaction with XXXX XXXX XXXX XXXX XXXX 

Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with XXXX XXXXXXXX XXXX XXXX for review or collection. 
Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. 
By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}.
Consumer complaint received 2022-12-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (TX)

My PayPal account can not be linked to the bank and withdraw cash. I have called the PayPal customer service representatives many times, but the problem has not been resolved. Please " CFBP '' help me! thanks