davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-03
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (CA)

Beginning late XXXX, Wells Fargo began charging my account overdraft fees on XXXX purchases despite money transfers initiated to cover my low checking account balance. It seems that Wells Fargo has begun a practice of back dating XXXX purchases and/or delaying money transfers in order to assess an overdraft fee. This also goes against their own XXXX XXXX policy. I have contacted Wells Fargo at least once per month in XXXX asking for Overdraft Fee refunds. They have given me partial credits for those charges, ranging from a XXXX - XXXX percent refund. The most recent complaint to Wells Fargo was XX/XX/XXXX.
Consumer complaint received 2018-03-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (WI)

A check for {$960.00}, written by an insurance company I've never heard of, was cashed ( by whom I don't know ), and for some reason the money was withdrawn from my Wells Fargo checking account ( rather than from the insurance company 's account ). I found out about this after getting an email from Wells Fargo to say my account was overdrawn. When I called to find out what was going on, they looked at the check in their system and it was completely clear to them that this was not my check ( it was not written by me nor to me ) and that the funds had been taken from my checking account in error. However, they refused to give me my money back. Wells Fargo opened a " claim '' and said I could wait up to ten days to get my money back. I was on the phone for two hours and they kept repeating that there was nothing they could do. How is it legal for them to take {$960.00} from my checking account by accident and not give it back immediately?
Consumer complaint received 2021-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

XXXX XXXX This Bank is reporting on my record that the loan is a charge off it is also reporting that I have a past due on my record. This account was settled it was a vehicle in accident and was paid by the insurance agency. So this is an inaccuracy on my report and should be removed immediately. I have sent several letters to all 3 credit bureau and I am not getting any results this is causing a major problem.
Consumer complaint received 2018-03-08
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (TX)

On XX/XX/XXXX I made transaction with my credit card to buy crypto currencies which was successful. 

On XX/XX/XXXX XXXX made a duplicate transaction on my credit card which caused me an extra charge of XXXX dollars which I disputed with my bank. My bank kept the entire amount on the hold and rejected the transaction which was not my intent. 

On XX/XX/XXXX Because of this the XXXX put my purchase ability on hold. I made the payment using my checking account immediately and the funds got transferred to coinbase but never the gave back my purchase ability. It has been two weeks and I payed the amount and I contacted the customer care but I never got any support. I have funds in my account which they neither give access to me and I am loosing more money than the amount it was charge back.
Consumer complaint received 2023-02-19
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: CITIBANK, N.A. (IA)

I went to Best Buy to purchase a laptop and the lady that was helping me offered me 10 % off if I sign up for their loyalty program. I asked her if it was a credit card and she said no. I agreed to join their loyalty program with the understanding it was not a credit card. Halfway through the sign up process it asked me for my social security and I asked her if they were running a credit check and she said no it was just for companys information. It wasnt until later on when I realized that I did not get the discount. 
A couple weeks later I got a letter from the mail letting me know I was denied for a credit card from Best Buy. 
They lied to me and ran my credit report without my consent.
Consumer complaint received 2021-03-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (DC)

I am eligible for Public Service Loan Forgiveness. The parameters of that program are making 120 qualifying payments while working at a qualified employer on a qualified loan. I made my 120th qualifying payment on XX/XX/XXXX. I submitted my application for forgiveness on XX/XX/XXXX and since then I have received so much conflicting information about the status of my loans. I initially received letters saying I did not qualify and that I did qualify. When I asked about that conflict I was told oh there is no problem. When I called again I was told to resubmit my application, which I did on XX/XX/XXXX. On XX/XX/XXXX I received a letter that Fedloan Servicing had finished my review and approved my application on XX/XX/XXXX and that they would send my file to Department of Education for final review and forgiveness. As of XXXX, my file has still not been sent to Department of Education for final review and forgiveness. Every time I have called I have been given the run around about what date it was sent over, only to find out today that it was never sent over. I submitted an employer certification form every year for the last 10-11years. My payments were all certified as well as my employer XXXX Department of Treasury XXXX. No one at Fedloan Servicing has been able to give me an accurate answer of where my application is in the process, or why it is taking so long. All anyone will say is oh it can take up to 6 months to process. There is no reason why this process is not more transparent, nor is there any reason for the process to take this long. We are now coming up on 3 months from the date I initially submitted my application. At the time of submitting, I had 11 payments out of the 120 that needed to be certified. There is no reason why a review of 11 payments should take so long, especially since most of these were {$0.00} payments under the CARES Act and I certified my employment of working with the federal government. The lack of information and the conflicting information received is a real disservice to their customers. As of today, I still have no received forgiveness nor has my application been sent over to Department of Education by Fedloan Servicing, even though they sent me a letter saying they have approved it.
Consumer complaint received 2021-11-04
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: LEXISNEXIS (MD)

I am challenging the validity of this alleged bankruptcy you have listed on my reports. I recently Challenged this same account with the credit reporting agencies and they came back stating that they have verified this account with Lexis Nexis. I have went to the courthouse, and they have also stated they did NOT verify this information. Please send me whatever documents of information you have personally used to verify this alleged bankruptcy, immediately. If you can not produce such documents this bankruptcy needs to be removed from my file as it is defaming my character. An please contacts all credit reporting agencies XXXX, XXXX and XXXX to have this bankruptcy remove immediately. The Congress has stated Pursuant to 15 U.S. Code 1681 ( 4 ) that there is a need to insure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the consumers right to privacy. By you reporting inaccurate information without my written consent first, you are violating my right to privacy which is in direct violation of this law and The Privacy Act of 1974
Consumer complaint received 2018-03-08
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: HYUNDAI CAPITAL AMERICA (NY)

I had a car accident XX/XX/2018. After the accident I contacted my insurance for car repairs. The insurance sent out a check with the amount of {$8800.00}, my name and XXXX XXXX name were on the check. XXXX XXXX  has a complicated process. The body shop where my car is being prepared and held at, has to send XXXX XXXX proof of photos, invoices, and vehicle preparation proof. After the proof is sent through mail, i would have to wait a few days or weeks for XXXX XXXX could sign and send the check to the body shop. The problem was that XXXX XXXX sent the check out to the wrong address! After I waited for about 2 weeks, I decided to call XXXX XXXX and was told that they had made a mistake. Which was that they sent the check out to the wrong address. The check never appeared!! I had to then call the insurance to tell them what had happened. They had canceled the check, that was never found, and send another one to my personal address. After i received the check i was then told to send it back to XXXX XXXX as an overnight shipment. Then once again told me to send out the same documents i sent in the first place : invoice, photos etc. While this process is happening, I am being charged a daily fee for the car being held at the body shop until they receive and clear the check from the car repair. They do not allow me to send any of these proof documents through fax. I was told to send them through overnight shipment to speed up the process. I shouldn't even be paying for these things! I want my money back! This was their fault. Issues like this should be fixed! My car has been in the body shop for over 2 months. I have been having to rent out vehicles so i could be able to work and pay my bills.
Consumer complaint received 2020-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I have tried for the past 3-5 months to correct open ongoing issues. The main concern is my credit score. It was at XXXX on its way going up and due to false errors which XXXX  refuses to truly work on, my credit reduced. 

I want to take an adverse reaction, these credit reporter mess with your livelihood and expect later for the consumer to hire companies to fix their errors and clean up their mess. 

My score is questionable due to their errors.
Consumer complaint received 2018-03-08
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: CITIBANK, N.A. (TX)

I HAVE ASKED XXXX ACCT # XXXX TO HAVE ME REMOVE OFF THE ACCT AND CREDIT REPORT : XXXX XXXX SS # XXXX XX/XX/XXXX WHAT IS THE PROBLEM?
Consumer complaint received 2022-08-07
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. (FL)

In accordance with the Fair Credit Reporting act XXXX  Accounts # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX,, have 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 2022-08-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (VA)

On XX/XX/2021 a check that was sent to refund our client their funds that were held in trust, was stolen, altered and cashed by another person. It came to our attention on XX/XX/2021 that the funds never made it to the client and were stolen. We immediately called our bank that day to alert them and start the process of getting the funds back. After submitting the required paperwork to our bank in the required time frame, Chase, as well as speaking with the local bank that cashed the check and filing a police report against the person, we continue to not have our clients funds returned. The person who stole the funds has been arrested and the other bank had the funds ready to return. For 8 months we have been reaching out to Chase to find out what is going on and getting the run around. They state they have been contacting the other bank while the other bank has never received any communication and has tried reaching out to Chase. Chase refuses to reach out via other methods other than mail to push for the funds returned or refund the funds until they can get them returned.
Consumer complaint received 2018-03-08
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. (NY)

All 3 credit bureaus show credit inquiries from XXXX XXXX XXXX which I have contacted all 3 agencies several times reporting this fraudulent inquiries. My credit reports should not contain any inquiries. My ex husband is using my name and I have reported it to All government agencies. Please remove these credit Inquires off my report as they are fraud.
Consumer complaint received 2021-03-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rent Recovery Solutions (FL)

I moved out of an apartment on XXXX, I was never contacted about anything owed. Out of the XXXX  Rent Recovery Solutions placed a collection on my credit without contacting me by mail, phone or email to notify of the money they claim I owe. I was not given the chance to review the supposed debt or dispute it.
Consumer complaint received 2021-03-03
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: HYUNDAI CAPITAL AMERICA (FL)

I moved from XXXX  to XXXX  after I leased a car from Hyundai ( Hyundai Motor Finance ). To get a license plate from XXXX, I need HMF to send the title to the Florida XXXX. Ive attempted multiple times to fax HMF the necessary forms to complete this process. Ive even sent it to their backup fax. They keep saying they havent received it. Although my fax shows me confirmation it was sent. Customer service cant do anything other than tell me yes or no if theyve received the fax. They wont allow contact with the titles department. Im running out of time for them to send what I need to the XXXX  XXXX before the XXXX tags on my car become expired. I dont know what else to do. Ive even attempt posting on social media. XXXX. XXXX. XXXX. Didnt work.
Consumer complaint received 2021-03-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (GA)

On XX/XX/24 I paid my Infinite energy account of {$90.00} in full. After making payment I was informed that the paid in full letter could not and would not be provided to me any sooner than 3 business days and could not and would not be provided to me by any means other than mail or fax. I did not and have not received verification of the payment to date. I have called multiple times to speak with a supervisor and they never come to the phone to address my issue. I have called a total of three times today and each time I believe the supervisor refuses to speak to me. This proof is vital to my survival at this point because it is holding me up from getting a place to stay! I have expressed this with the company over and over again and all they keep telling me is they can't provide me with the proof of payment in full. They claim to expedite the request but I have not received any communication. The agents are giving me different time frames ranging from 1-10 business days. The supervisor was supposed to call me back, but hasn't I guess they do not care. I just want answers on when I should truly expect my proof. At this point, they are refusing to provide me with proof of my payment in full and I have a right to have that.
Consumer complaint received 2021-03-03
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: Synovus Bank (FL)

I was going over my credit and paperwork and notice this account with first progress still reporting on my credit report, the company never followed up with me on this account.First and foremost I have no knowledge of this account and even previously requested for agency to validate debt.Ive attached my return receipt as proof that Ive attempted to resolve this in the post. I have no knowledge of this account.Im on hard times and my income has been affected by covid. So even attempting to send another dispute is to expensive for me please assist me with resolving this matter
Consumer complaint received 2018-09-12
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 — Their investigation did not fix an error on your report
Company: DISCOVER BANK (IL)

upon checking my credit report it was brung to my attention i have a account with discover upon contacting them and asking them to validate this account as mine and as me being legally responsible to pay this debt. i was informed it wasnt my account and my social was pulling as a authorized user
Consumer complaint received 2018-03-08
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (OH)

During the past XXXX Tax Year, I have made approximately XXXX Credit Card Purchases as a registered Buyer for Auction items listed on XXXX in the USA and payments made through Paypal , Inc. to the XXXX Sellers that listed the items on XXXX. 

How can I accurately pay any State of Ohio Sales Taxes that I owe for Tax Year XXXX, when both XXXX and Paypal are currently denying me any online access or printed reports about XXXX Seller 's Auction information I need to determine my Ohio State Sales Tax liability for purchases made through XXXX on the Internet? 

In Ohio where I reside, I am responsible for paying a 7 % State Sales Tax amount on all taxable items purchased through the Internet with the USA. This Internet Sales Tax is called the Ohio " Use Tax '' levied upon all Ohio residents for Internet purchases. 

XXXX and Paypal Customer Service Departments say they do not provide any Federal, State, Local nor International paid tax information to registered and confirmed users like me about paid-in-full XXXX Auctions. However, XXXX is responsible for including Ohio sales tax for XXXX items sold by Ohioans to Buyers who reside within Ohio or if a company warehouse is located within Ohio. 

XXXX also claims they are not responsible for providing this tax information to consumers because XXXX claims this detailed information is not available after 60 days from the payment date. XXXX CSRs can not explain why XXXX has chosen to automatically erase all detailed XXXX Auction purchase information after 60 days for some undisclosed reason. I am not permitted by XXXX to save the details of the Auction Transactions and CSRs. 

The problem I have is that both XXXX and Paypal deny any responsibility for providing upon request to consumers like me any tax-related information about paid-in-full Auction purchases regarding : 1. ) which geographic location in the USA or foreign country is the XXXX Auction Seller registered, 2. )  where did the paid XXXX Auction item ship from, and/or 3. ) if XXXX collected any tax amount or Ohio Sales Tax on the paid XXXX transaction. 

Paypal processed all of the online transactions and they forwarded the payment amount ( including currency conversion if needed ) to the registered XXXX Seller. Some of the Auction payments sent through Paypal went to XXXX Sellers within Ohio, some Sellers that reside outside Ohio and within the USA, and other XXXX Sellers are located in overseas countries such as XXXX, XXXX, XXXX XXXX, XXXX, XXXX, etc ... 

The XXXX Seller would then drop-ship the XXXX auction items to delivery address that I specified.
Consumer complaint received 2021-03-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (TX)

I consolidated my XXXX loan into a Direct Consolidation Loan in XXXX of XXXX. I also applied for an Income Driven Repayment Plan on XX/XX/XXXX. Fedloan Servicing incorrectly processed my income driven repayment application. I was placed on REPAYE for a payment amount of {$110.00}. I was notified of the outcome of Fedloan servicing processing my income driven repayment on XX/XX/XXXX. I immediately notified Fedloan of their mistake and they acknowledged the error that Fedloan Servicing made with regard to my IDR Application and I was placed on the incorrect IDR plan for the incorrect amount for income driven repayments. After correcting the error, Fedloan Servicing, sent me a new IDR outcome letter dated XX/XX/XXXX, that was correct and did list the Income Based Repayment plan for a payment amount of {$86.00}. However, in the interim timeframe Fedloan Servicing processed and sent me on XX/XX/XXXX a " Repayment Obligation/Schedule Disclosure Statement '' form. This form listed that I would have to pay {$13000.00} over the entire life of my Direct Consolidation Loan. Of that amount, {$2400.00} would be interest that I would pay over the life of my Direct Consolidation Loan. Since this form was created by a mistake via an error that Fedloan Servicing has accepted responsibility for I have asked on numerous attempts to be sent a new and " correct '' version of the " Repayment Obligation/Schedule Disclosure Statement '' that will list my payment plan as IBR and the total amount and interest amount I will be required to pay over the lifetime of my Direct Consolidation Loan. As of XX/XX/XXXX Fedloan Servicing has not provided me an updated and correct version of the Repayment Obligation/Schedule Disclosure Statement form. I am very unhappy about this. When I applied for a mortgage, when I applied for a car loan I was provided a Federal Truth-in-Lending form that provided me very clearly and directly the amount I would be required to pay both in total terms and interest amount over the lifetime of my car loan and mortgage. Fedloan Servicing seems to believe that Student Loan Borrowers are not worthy of the same types of consumer protection and to be clearly and directly informed of their loan terms. At least Fedloan does not believe in providing correct information. Fedloan made a mistake, was informed of that mistake, but has yet to rectify the sitution by providing a CORRECT version of the Repayment Obligation/Schedule Disclosure Statement. That is what I am asking the CFPB to look into. Why does Fedloan Servicing not believe in providing clear, direct, and correct information to a borrower who has been wronged by Fedloan 's gross negligence and mistaken process.