davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-06
Product: Bank account or service — Savings account
Issue: Using a debit or ATM card — 
Company: TD BANK US HOLDING COMPANY (PA)

I used the drive thru ATM at my bank. This is the TD Bank located in XXXX, pa. I went through the proper steps to withdraw {$700.00} from my savings account, but the machine did not dispense the money I had requested. I waited for a little while, but nothing happened. Because my bank was closed at the time, I called TD corporate to let them know what happened. I was told there was nothing they could do except file a complaint for me and hope my local branch would be able to work it out. Once my local branch opened, I called and spoke to a woman named XXXX. I told her my story and she questioned if I was even at their bank and used their drive thru ATM because it was out of service. I assured her I used that locations ATM and I was unable to retrieve money from it, but my savings account shows the {$700.00} was taken out. She said there was nothin g she could do except to also file a complaint. This incident happened on XX/XX/XXXX at XXXX. It is now XX/XX/XXXX and my money has not been out back in my account. Why should I have to go without my money because the banks atm was broken ( and not properly marked or turned off due to it being out of order ). 
XXXX at the bank said if the problem did n't fix itself by XX/XX/XXXX than she will push through my complaint and I should get my money back in XXXX to XXXX business days after that.
Consumer complaint received 2022-12-27
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: Affirm Holdings, Inc (PA)

I contacted affirm 3 times regarding my refund for a loan for an order I placed via XXXX XXXX  with affirm. The order canceled and I was sent a partial refund to my bank account and the other half via the mail. I was told it would take 7 to 10 days to recieve this check in the mail. It is day 13 and I still have not received my refund. I contacted Affirm via phone on XXXX XXXX XXXX and was told to " wait a little longer '' and if I not receive my refund to contact them on Tuesday and they will " escalate '' my claim. I contacted Affirm again XXXX XXXX XXXX and again I am being told to " wait a little longer ''. It didn't take 30 days for them to recieve my money and had I not gone through Affirm to pay for my order I would've had my refund already. XXXX XXXX said I had waitb14 days and then he said 2 days. I keep getting blown off. I am tired of the constant run around and being met with grief and people 's attitudes when I just want my back
Consumer complaint received 2023-02-12
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: WELLS FARGO & COMPANY (MD)

I requested a method of validation on XX/XX/2022. The collection agency has yet to respond. I am requesting a deletion of these accounts from my consumer file. They are reporting " Unverified/inaccurate information '' which is a violation of Section 623 ( a ) ( 1 ) ( A ) & ( B ) ; and Section 623 ( a ) ( 8 ) ( E ) of the FCRA.
Consumer complaint received 2016-11-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CCB Credit Serivces, Inc (IN)

XXXX SERVICES WAS PAID AND SETTLED ACCOUNT IN XX/XX/XXXX-XX/XX/XXXX, XXXX-ILLINOIS ACCOUNT XXXX, SOLD DEBT TO XXXX XX/XX/XXXX WHERE THEY WENT ONTO CREDIT REPORTS W/O VALIDATING INVALID DEBT. FCRA, FDCPA AND TCPA VIOLATORS.
Consumer complaint received 2016-06-16
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Prince Parker & Associates (IL)

Prince Parker and Associates has been repeatedly calling me to collect a debt they allege is from XXXX XXXX XXXX. When pressed, they say they received the " file '' from XXXX XXXX XXXX in XXXX XXXX for a debt from XXXX! I am not an XXXX XXXX XXXX customer, but I was, and I was until later than XXXX. Any bill from XXXX should have come to my attention in XXXX, and at the very least I should have been informed when I discontinued service with XXXX XXXX XXXX, around XXXX or XXXX, I think. When asked why the first notice of this debt comes from a questionable collection agency 10 years post alleged debt -- they say " call XXXX XXXX XXXX. '' I therefore believe the debt is pure fiction, and that the collection efforts are a fraudulent attempt at nuisance money. Plus, XXXX XXXX XXXX should not be allowed to sell whatever spurious information they have that allows companies like Prince Parker to " defend '' their actions in pinning debt on people completely unconnected to the original debt.
Consumer complaint received 2023-01-22
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: WELLS FARGO & COMPANY (WA)

I had a auto loan with Wells Fargo in XXXX to XXXX and they were trying to say i didn't make payments when I did and even showed proof of everything. They then tried repossessing it so I had to turn it in. I had other strange fees occurring on my checking account. I finally closed them out. This was in XXXX Washington. I tried everything I could to keep it but they wouldn't work with me. I can't believe they are still in business.
Consumer complaint received 2023-03-16
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rock Creek Capital, LLC (CT)

My Wife niece which is XXXX XXXX was going to the XXXX XXXXXXXX XXXX but needed a adult to sign a paper stating that she lived with me in the absence of her parents. 
Nothing was discussed with XXXX XXXX or the University about anything Financial or I will cosign any loan. 
I have discussed with XXXX about me not cosigning any loan for her. 
XXXX assured me the me signing any document have nothing to do with any school loan. 
To my surprise I got documents from creditors stating that I owed money for cosigning loan for XXXX which the document have a wrong Social Security on it. 
I have no idea who submitted that cosign document with any of my information but I assure you it's not me. 
XXXX assured me that I'm not responsible for any cosign loan and I never sign any document pertaining to loan. 
XXXX Rock Creek Captital Lender XXXX XXXX {$24000.00} Date of burrow XX/XX/2017 Loan amount {$17000.00}
Consumer complaint received 2023-01-13
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. (CA)

XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXXAccount # XXXX, XXXX Account # XXXX, XXXXXXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXXAccount # XXXX, XXXXXXXX XXXX XXXXXXXX XXXXAccount # XXXX, XXXX XXXX  Account # XXXX 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 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: EQUIFAX, INC. (AR)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2023-01-21
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 (TX)

On XX/XX/XXXX or XXXX my account was hacked and there was several checks deposited in to my account that I didn't authorize was like 4 or 5 deposit of XXXX and XXXX from XXXX XXXX that I didn't authorize so I called my banker she changed my username and password for my account and the next day a banker from wells Fargo called and said my checking account has been locked and I can't withdrawal none of my money out of it to pay rest of my bills so now I'm negative XXXX in my checking and now I owe my light bill XXXX wells Fargo didn't care they accused me of depositing the checks and I don't ever deposit from XXXX XXXX only checks deposit in my account is from where I work
Consumer complaint received 2023-01-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: WELLS FARGO & COMPANY (CA)

The company charge much higher interest rates for consumers with good credit my score was in the 700s. they charge fees to talk to some one fees to make payments, Fees if u make payments Im sure I had other products and services with Wells Fargo left due to the fees and high interest charges luckily was able to get financing else were, freeze peoples accounts if they didnt immediately set up security measures into compromise, locked out my accounts, it was always drama with Wells Fargo
Consumer complaint received 2022-10-03
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

On XX/XX/2022, 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 I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-01-14
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. (GA)

I have identified information on my reports that are a result of identity theft. These items are not related to any transactions completed by me. I have also reached out to XXXX and requested Original documentation signed by me, the consumer, and to date, they have failed to do such. Please see attached.
Consumer complaint received 2023-01-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC (OH)

On XX/XX/XXXX XXXX I refinanced my vehicle through Westlake Financial. In the State of Ohio a company has 30 days to file a lien on a vehicle. After refinancing my vehicle I did not receive a memorandum of title. Eventually the title came after being file XX/XX/2022. The memorandum of title also came directly from WESTLAKE normally it would come from the State of Ohio. Why was the lien file 4months after the paperwork was signed also why does it look different from the original memorandum of title? Please see the attached documents
Consumer complaint received 2023-07-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (FL)

On XX/XX/XXXX, I was charged {$70.00} for something related to a car rental. I absolutely did not authorize this charge. XXXX does have my card on file. I can guarantee that XXXX did not get proper authorization from me or XXXX to charge my card. 
I disputed the transaction with Chime as soon as it posted. They denied my claim on XXXX without details. I responded asking for documents used and a rebuttal form. They said I had to wait 5 days to request a rebuttal. In 5 days, I requested the documents and rebuttal again. I received no response. I supplied my additional information on XXXX and XX/XX/11. 
I received no response until XX/XX/11. Then I got the same letter I got when the claim was initially denied. No merchant documents and no rebuttal form. This has now happened 3 times. Chime has no right to deny my claim. Merchants are required by XXXX and XXXX to request and receive proper authorizations for charges. That was not done here.
Consumer complaint received 2017-01-19
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (NY)

I am currently a full time XXXX student. I can not afford afford to be making payments on my loans at the moment. During my XXXX years I took loans from XXXX that I was told I wont have to pay back until I graduate. My loans have been transferred to Navient and they are asking me to make a payment in 2 weeks or default on my loans. I asked if I can make a smaller payment or with holds payments for XXXX years until I graduate but they refused. Right now, I do n't see any option but to default on my loans. Is there anything you can do to help me?
Consumer complaint received 2023-06-12
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Securus J Holdings, LLC (NH)

I was sent a check for XXXX dollars. They took my money while I was locked up to me it's not just about the XXXX dollars and now they want to tell me it's just XXXX they took way more than that from me. My dad was sending XXXX of dollars and they just keep Taking that's why I didn't cash the XXXX dollar Chek. I plan on getting a lawyer and seeing them. For future reference when you take XXXX dollar from an inmate to them at the time it could be equal to a XXXX.
Consumer complaint received 2023-06-11
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (AZ)

On XX/XX/XXXX I had XXXX XXXX  conduct a balance transfer. They send the funds via wire to Synchrony bank. True XXXX the funds cleared XXXX and when I called Synchrony to verify their receipt they said they had not received it. 

They conducted an investigation and gave a temporary credit while they researched. XX/XX/XXXX the funds appeared and then on XXXX they removed the credit of {$3700.00} and then again on XXXX they removed it again. This canceling out my payment. But Im the process they showed I was negative on my available credit. 

I called and emailed multiple times including speaking to a manager and no resolution has been made. I was told to weight 48-72 hours and the funds would return. It has been almost a week and it has not corrected itself as they stated Due to their negligence in handling my funds and reporting to the credit bureau. They have stolen almost {$4000.00} of my money and damaged my credit due to their negligence. 

See attached document for the double reversal that took {$3700.00} from me.
Consumer complaint received 2022-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NC)

I noticed unauthorized inquiry on my reports or noticed someone applied for something in my name. According to the FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items must be removed.
Consumer complaint received 2022-08-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I noticed unauthorized inquiry on my reports or noticed someone applied for something in my name. According to the FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items must be removed.
Consumer complaint received 2023-06-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANNER CORPORATION (WA)

I recently had XXXX XXXX in XXXX, when I went into the XXXX my daughter in law noticed that my daughter was withdrawing money at a rate that was alarming. When I tried to call to get this person off of my account because of elder abuse, or unauthorized withdrawal of funds, the bank told me I would have to come into a branch and that they couldn't do that. I, in no way, could make it into a branch and wanted to stop this unauthorized withdrawal of my money. 

Then when I opened a new account at a different bank, which I warned them about, they shut off my access to online banking and inactivated my account. They are preventing me from moving my money to the best of my ability since I am immobile and depend on others to drive me around to doctors appointments and other things I need and can not get to a bank in the limited amount of time I have someone to help. The bank called and asked if I had made the money transfer and I said yes, but they still inactivated my only life line. WHen the bank called to see why I was transferring money out to my new account they told me that it was not my normal actions so they questioned it, but they did not question my daughter withdrawing inordinate amounts of money from my account, that drastically increased during the months I was incapacitated.
Consumer complaint received 2023-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Nelnet, Inc. (FL)

Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX fl XXXX XXXX : XXXX Phone number : XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2023-06-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc (NY)

I called affirm to let them know that the hotel refunded back the XXXX dollars and I uploaded the receipt to let them know that my loan is XXXX dollars less and they won't give me back my money even though I sent them my receipt. All they keep saying is to call the hotel but the hotel already gave me a receipt with the amount they charge. I also called the hotel and they said the XXXX dollars was refunded and the receipts shows this. I have been dealing with this for XXXX months.
Consumer complaint received 2022-08-05
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 Account XXXX XXXX XXXX and account # XXXX, and account # XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting Act XXXX Account XXXX XXXX BANK and account # XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting Act XXXX Account XXXX XXXX XXXX XXXX and account # XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting Act XXXX Account XXXX and account # XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting Act XXXX Account BANK OF XXXX and account # XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting Act XXXX Account XXXX XXXX XXXX and account # XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting Act XXXX Account XXXX XXXXXXXX XXXX and account # XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting Act XXXX Account XXXX XXXX XXXX and account # XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting Act XXXX Account XXXX XXXX XXXXXXXX XXXX and account # XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting Act XXXX Account XXXX XXXX XXXX XXXX and account # XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting Act XXXXt Account XXXXXXXX XXXX XXXX and account # XXXX and account # XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting Act XXXX Account DEPT OF EDUCATION/XXXX  and account # s XXXX, account # XXXX, and account # XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting Act XXXX Account XXXX and account # XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting Act XXXX Account XXXX XXXX XXXX  and account # XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting Act XXXX Account, 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 an account with out my written consent. 

XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2016-09-14
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

i have opened credit line with BOA since XXXX/XXXX/15 ... i told them my only income is SS. i requested to have the payment pulled on the XXXX of sach month when i receivsd the benefits. today i studied the statement and found out i have been paying late a d thou charged XXXX dollars each time. 
i found it is unfair. i was not instructed that paYment would be always late. i requested by pho e to have these charges waived. it is not possible i was told. please help me. for i have also been harmed on my credkt report.