davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-29
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: Capital Accounts, LLC (TX)

I applied for a credit card with my social security card on XX/XX/2021. According to 15 USC 1681a ( 2 ) ( B ), any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device, should be excluded from a consumer credit report. 15 usc 1602 ( I ) states 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 that was used was my social security card to obtain money, which is illegal, then reported it to my consumer report.
Consumer complaint received 2021-06-28
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NY)

My wallet was stolen from my car with my drivers license, Chase credit card, Case Debit card, XXXX credit card, and insurance card on XX/XX/XXXX. On XX/XX/XXXX I received fraudulent alert charges and immediately called Chase and XXXX to notify them about the fraud and the theft. I canceled those cards and received new ones. On XX/XX/XXXX I received a text from Chase regarding a one time password, confused I called Chase to find out someone with my drivers license and expired Chase debit card was trying to take out {$2000.00}. I reported it as fraud but it was to late. Chase had given someone with my drivers license and expired card {$2000.00} even though they did not know my PIN, they claimed they changed their phone number. On the phone I was told I would be reimbursed in 7-10 business days and instructed to freeze my accounts which I did. The next day I went to my local Chase to close my accounts and create new ones and to get a new debit card. I was asked to file a police report with I did XXXX XXXX I faxed the incident repot to Chase XX/XX/XXXX. I am still waiting to get refunded for my money which chase gave to someone who was not me. Chase will not reimburse me without a police report which I do not have. I have requested it from the police department but told it could take up to 90 days. I have called multiple times requesting my money be placed back in my account.
Consumer complaint received 2022-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Radius Global Solutions LLC (TN)

Radius global solutions is a scam and only there to Corner people, my XXXX XXXX the one that they are supposedly saying is XXXX dollars in the rears was actually closed 2 months before this bill. Called XXXX they confirmed the account is actually in the positive and has had an account credit, spoke with radius multiple times, they are rude and refuse to look into anything ... what they do is wrong and they do not confirm debts before they go crazy on your credit report. This is affecting my ability to close on my home so I will be seeking legal counsel after this is proved correct. I have account balance screenshots also XXXX said call them they will confirm I have 3 open accounts all paid 100 % on time ......
Consumer complaint received 2022-01-06
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: Easy Finance, LLC (TX)

I'm getting several loan and credit card statements saying I've opened all these accounts and it's not me. 
XXXX XXXX XXXX Application # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX Stepstone Credit- date XXXX - {$200.00} approved XXXX XXXX XXXX- XXXX account XXXX ending XXXX and XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX- XXXX XXXX XXXX XX/XX/XXXX, XXXX $ XXXX Approved XXXX XXXX XXXX- Account number XXXX $ XXXX approved
Consumer complaint received 2021-10-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (NJ)

My problem with Chase Bank i refinance my home on XXXX, in XXXX I stop some payments due to a marital separation, i make on Agreement with Chase, for the past 10 years i paying my Mortgage but, still have the same principal balance, and the money that I send is all for the interest
Consumer complaint received 2018-10-30
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: JPMORGAN CHASE & CO. (FL)

I have two inquiries on my XXXX credit report by the following companies ; 1. XXXX XXXX XXXX on XX/XX/2018 2. XXXX XXXX XXXX XXXX. on XX/XX/2018. 

I do not recognize any of this inquiries and I am therefore disputing them with XXXX and Chase and XXXX XXXX XXXX.
Consumer complaint received 2021-05-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (FL)

On XX/XX/XXXX Citi bank froze my account and is being very rude about it they are holding my funds at this point I just want to be done with them and get my money Im losing valuable time Im behind on bills etc please help this is becoming a nightmare at this point Im begging for my money
Consumer complaint received 2021-11-29
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)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2023-03-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo has had my case since XX/XX/2022. Due to their poor security and systems to prevent fraud, they cashed a check that was stolen by their customer from the mail and meant for the University XXXX XXXX. I have given them, since XX/XX/2022, plenty of opportunity to resolve this situation and transfer my funds of {$6800.00} plus interest and all other costs of my time taken to resolve this situation. After over 6 months of waiting, my last attempt was to go through the CFPB -- and what did Well Fargo do -- again, NOTHING. Instead of resolving the situation, they claim to have tried to contact me for additional background information ( they have had everything they could have needed through paperwork filed with my bank, XXXX and Wells Fargo, as part of the agreed upon banking process ) -- I have no track of any calls or emails made to me. All I received was an obnoxious letter dated XX/XX/XXXX saying that they tried and because they couldn't connect with me they have closed the case. UNACCEPTABLE AND WRONG. To make things worse, on returning from a work trip and seeing this letter, I tried the very next day and for two days to contact the number listed on the letter- XXXX XXXX, Iowa, XXXX. NO ANSWER. I have over 11 calls made to them. Closing this case without finding out from their own team charged with resolving why this has not been followed up on is insulting. Do they think it is okay to just take {$6800.00} without finding out who it really belongs to? We teach children to do the right thing and return anything that does not belong to them in a timely manner. Clearly, Wells Fargo 's customer service process is more about protecting themselves. I expect that the Bureau holds Wells Fargo accountable for this type of behavior and helps consumers like myself in fair and timely resolution.
Consumer complaint received 2018-02-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc. (NJ)

I had a mortgage loan with XXXX  XXXX XXXX, in XX/XX/XXXX XXXX XXXX XXXX claimed I owed them escrow money regardless of all the proof I have sent them showing all my payments. In XX/XX/XXXX I hired an attorney to represent me and we went to court 6 times, each time XXXX XXXX XXXX failing to have any proof of there claims. While this claim was active, XXXX XXXX XXXX sold my mortgage loan to Seterus. On XX/XX/XXXX we went to court with XXXX XXXX XXXX and Seterus lawyers, and XXXX XXXX XXXX agreed that date that my mortgage loan should be in good standing and should be reinstated because they could not prove their claim against me and I came with all my proof of all my payments. XXXX XXXX XXXX paid almost {$30000.00} to Seterus for the false claim and to bring my account into good standing being that they made a mistake and I did not owe any money ( XX/XX/XXXX ). My first payment to Seterus was on XX/XX/XXXX and I have made every payment thereafter. In XX/XX/XXXX Seterus sends me a letter saying that I owe them almost {$10000.00} in escrow. This is the exact same thing XXXX  XXXX XXXX was doing. I have made numerous attempts to ask for an explanation and they can never provide one for me. I was supposed to refinance my house for a lower rate with another mortgage company, and I lost the deal because of this disaster. I told Seterus I want to close my escrow account and I want to pay my taxes on my own but they will not allow me to do it because my account is delinquent. This has taken such an emotional toll on me and my family, me and my wife are senior citizens on a budget who have lived in this home for over 40 years and we are now being discriminated against by Seterus because we are immigrants. They take complete advantage of our accents and play us for stupid. I have all the proof of all my payments, I am just trying to save my home, please help!
Consumer complaint received 2021-06-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: TRUEBILL, INC (SC)

$ XXXXevery month since XX/XX/2021 Tried emailing them and won't answer phone calls My bank stated I can't stop the withdrawal without changing account number s It's a company name Truebill XXXX XXXX
Consumer complaint received 2022-01-06
Product: Checking or savings account — Savings account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY (FL)

I was tricked by a lover online to deposit a check of {$3400.00}. I did this under the impression that this was my allowance given by my lover. I wasnt aware that she was trying to scam me for money. I just want to make it clear that I had no idea this was fraudulent. Im sorry for depositing it, but Im not going to spend anything. I really just dont want to get in trouble and I want the check canceled. I called Wells Fargo and they said that at this time they cant do anything cause it was already deposited. And that I should just notify Wells Fargo about my situation once they call back. Im really scared and do not want to be responsible for a crime I didnt know I was committing. I
Consumer complaint received 2021-06-28
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. (IL)

I wrote to Credit Bureau requesting an investigation into item that I believed is OBSOLETE. To date, I have not received a reply from them or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that they reply within a reasonable amount of time. 
I regret that I am being forced to take such action. 

Please see my reasons for dispute below : 1. This account does not belong to me. I have no knowledge of this account. I have no knowledge of the original creditor. 
XXXX XXXX Account XXXX : XXXX Please remove this account from my credit report immediately! 

2. The following personal information is not mine : Address : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX please delete it.
Consumer complaint received 2021-06-28
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. (OH)

I have sent several letters to Equifax in regards to inaccurate information being reported on my credit report. Equifax has failed to supply accurate information. A bill is not sufficient information and is completely inaccurate. 15 USC 1692J- Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not participating. I demand these in accurate accounts to be delete from my report immediately. 
OHIO DEPT OF HUMAN S XXXX XX/XX/2016 {$6000.00}.
Consumer complaint received 2021-06-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (AL)

I reported a fraudulent charge to Wells Fargo on the XXXX of XXXX against a transaction someone tried to make using my debit card to purchase a XXXX phone. I was told by W/F on Thursday that my account would be credited in two days. Someone attempted to make another attempt on XX/XX/XXXX with my card number that was closed on the XXXX to purchase the same XXXX phone. I have had a zero checking account balance since Thursday and money was also removed from my savings account. Wells Fargo said they would refund all monies owed in 10 business days. I want to open a fraud investigation into Wells Fargo. Is this the place to start? I dont have money for gas to get to work or money to buy lunch. Claim numbers XXXX & XXXX.
Consumer complaint received 2022-07-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/XXXX I send documents to Capital one requesting they send me the audit trail, and detailed documents that i specifically requested associated with my account. They received this malling through Certified mail # XXXX on XX/XX/XXXX it has been 8 full business days since they received this malling and yet to respond
Consumer complaint received 2022-04-23
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. (OH)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP (NY)

I appled for U.S. Bank XXXX XXXX card and was approved. The card arrived with no issue. Howvever, what happened next made me regret ever applying for that card and dealing with this bank. I activated my card online as instructed by the prints on the sticker on the card. When I tried to add my card to XXXX XXXX, I got a message stating that I needed to call the bank. I called the bank, and was simply told that there would be a " callback '' within 24 hours. I said no problem and waited for two days with no call. I noted that although the card had been activated I was not able to use the card ( per U.S. Bank, due to the pending " callback '' ). I called the bank and inquired the status of this callback, and was told that I had to wait another 24 hours. A week passed, there had been no such " callback '' ever. At the same time, since I received the card, I have been receiving 5 robo calls per day asking me to activate the card. These never stop spam calls drove me so upset, that yesterday I kindly asked to close this account. Well, surprise surprise, I was told that they can not close my account until someone does the " callback ''. I requested to talk with the unit within the bank which does this " callback '', and was declined. I then asked the Bank to remove my phone number from the robo calls, yet was also declined.
Consumer complaint received 2022-08-09
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. (TX)

I have spoken to reps at the 3 major credit reporting agencies regarding my consumer file and the access I want them to have. Each one has told me they will NOT be removing the negative items I requested. I have sent notices via certified mail DEMANDING the changes be updated to no avail. Within the " fine print '' of all of these companies they state they will not furnish personal information without the consumers consent yet, they continue to do so. Per 15 USC 1681e ( b ) only I, the consumer, can verify what information should be on my consumer report. 

In light of the recent and ongoing lawsuits with these companies I DEMAND all requests be adhered to quickly and without continuous verbal assault from them. This is causing mental anguish and XXXX  due to how I am being perceived due to these negative items.
Consumer complaint received 2018-02-13
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ALLY FINANCIAL INC. (OK)

As a result of a drunk driver hitting our children and totaling our daughter 's truck the Insurance company paid their portion and Ally contacted our GAP Company, XXXX directly instead of allowing us to do it. XXXX paid the balance Ally provided and now Ally is sending us an additional balance which is accruing interest and the phone calls are incessant. 
First, why would Ally contact XXXX instead of allowing us to file a claim? 
Second, why would Ally not send the proper payoff. The balance has doubled and it is negatively affecting our credit. 
Ally Acct # XXXX Accident XX/XX/XXXX XXXX Claim # XXXX XX/XX/XXXX Balance after insurance payout XXXX paid on GAP claim- {$200.00} Ally claiming we still owe {$100.00}. Now with interest up to {$200.00}. 
Why would Ally submit one amount to GAP for final payment and then continue to send us an amount due? 
Neither company will take responsibility for their mistake. XXXX ignores me completely.
Consumer complaint received 2021-06-28
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (MA)

We have a a car lease with Kia Motors Finance ( KMF ) that is on autopay. The monthly payment is {$570.00}. On XX/XX/2021, we received notice of a past due amount of {$52.00}. As we are on KMF autopay we were confused by the notice. Nonetheless we paid KMF the {$52.00} on the same day of the notice. In a conversation today, XX/XX/2021, with a KMF agent about this past due amount we were instructed to ignore the past due notice. This did not seem like a reasonable reply, so we asked to speak to a supervisor. We were told by the supervisor that the {$52.00} was for Mass. property tax and it had to be paid separately from the lease payment of {$570.00}, and that it is not covered by autopay. The supervisor directed us to our XX/XX/2021 statement, which is herein attached. The amount of {$52.00} is the sum of two amounts on the statement : {$49.00} and {$3.00}. The statement lists a total amount due of {$630.00}. Note that the total amount due is not broken out into two separate portions ; one for the lease payment and another for the tax payment, and that each had to be paid individually. As will be seen, the KMF statement in the upper right says. " Stop worrying about making your monthly payments. Sign up to autopay and never worry about late fees again. Even more troubling is that the first KMF agent we spoke to said to ignore the late payment notice. For all the foregoing reasons we therefore believe that KMF is engaging in misleading and deceptive business practices, and we are bringing this matter to your attention. It is also quite possible that we are not the only ones to have been caught out caught out by this KMF practice.
Consumer complaint received 2021-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (AR)

XXXX XXXX never sent any documentation over to XXXX XXXX about my student loan tpd to XXXX XXXX as stated by them and nelnet says it sounds like when I first started my tpd it was a different process but either way I sent over my 1099c form to XXXX but my dispute was modified later Ive asked for what was modified but got no response but hung up on also so I started stating I was recording early on and also disregarded by silent treatment also. Nelnet told me to tell them to send over my credit report and they will send over the correct information. After disputing my XXXX 2.0 score dropped 28 points and my rate went up {$1.00} according to alerts. XXXX XXXX has closed out my report because nobody is sharing my credit reports to nelnet also the loan department of nelnet has my info but the tpd doesnt. On my credit report they are both reported as opening on the same day month and year. My original loan was XXXX and it was consolidated. I only went to college for one semester from XX/XX/XXXX to XX/XX/XXXX. Also reliant a new company only contacted me three times so they say but Ive never heard of them before I reached out to them but it was during this pandemic when I did because thats when I found out they said they reached out last in XX/XX/XXXX but I wouldve known if they had but I also dont receive my mail from the social security office either and I know they have proof but I dont know or understand whose record they put my tpd under. Some schools just arent for XXXX people.
Consumer complaint received 2021-06-28
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: EQUIFAX, INC. (NJ)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.