davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Exeter Finance, LLC. (MI)

XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Dear Sir or Madam : I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime. I have put in bold the items I dispute on the attached copy of the report I received. The items I am disputing do not relate to any transactions that I have made or authorized. Please remove/correct this information at the earliest possible time. 
1. Exeter Finance Account # XXXX Amount : XXXX Date Opened : XXXX Address : XXXX XXXX XXXX XXXX, TX XXXX - Notes : FTC Report Cease and Desist Dispute Letter Police Report Spoke to charge of department - Name of Agent : XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX Date Opened : XXXX Loan Amount : {$0.00} Loan Account # XXXX Date Opened : XXXX Loan Amount : XXXX - Notes : There is 2 collection agencies on the report ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX dispute # XXXX XXXX XXXX XXXX  Address : XXXX Name of Agent : XXXX XXXX XXXX. Account Ref # XXXX XXXX : XXXX Notes : XXXX recalled the debt back to them XX/XX/year>. Cease from collecting. 
XXXX XXXX XXXX Name of Agent : XXXX XXXX Notes : Ref # XXXX Amount : XXXX Notes : Disputed Fraud. 
Cease and desist put in XXXX  Names of Agents : - XXXX XXXX XXXX - XXXX - XXXX - XXXX XXXX ( credit dispute XXXX. XXXXXXXX XXXX XXXX Account # XXXX Date Opened : XXXX Amount : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Ph. XXXX. XXXX Notes : Send FTC Report Cease and Desist has been put in Name of Agent : XXXX XXXX XXXX. XXXXXXXX XXXX Account : XXXX Date Opened : XXXX Amount : XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, UT XXXX Ph. XXXX Notes : XXXX. XXXX Auto Account # XXXX Date Opened : XXXX Amount : XXXX Address : XXXX XXXX XXXX, XXXX, OH XXXX Ph. XXXX Notes : XXXX. XXXX XXXX XXXX Account # XXXX  Date Opened : XXXX Amount : XXXX Address : XXXX XXXX XXXX. 
XXXX, CA XXXX
Consumer complaint received 2022-10-23
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. (GA)

In accordance with the Fair Credit Reporting act 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 2022-08-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Penn Credit Corporation (NJ)

The company sent me a paper bill on XX/XX/XXXX. This was AFTER the bill was paid. I logged onto the company website ( Penn Credit ), and the message said I had to contact the office to pay the bill. Upon calling the company, I was directed to an automated line that tried to sell me automotive breakdown services without my consent. I explicitly selected the option to decline this offer and was connected to an automated line that ushered me through the process of signing up. When I repeatedly said " No, No, No, No '', I was disconnected. When I called back to try to pay the bill, the woman told me the bill was already paid. I then inquired why the company sent me a bill AFTER the bill was already paid, and she said, " it was already in the mail ''. How is this possible if the bill was already paid? As an senior in my XXXX 's, I do not appreciate people trying to scam me to pay bills more than once. I want to file a complaint so that they STOP! 

Bill paid : XX/XX/XXXX Confirmation Number : XXXXXXXX XXXX sent again : XX/XX/XXXX Spoke with XXXX XXXX XX/XX/XXXX @ XXXX
Consumer complaint received 2021-12-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY (MN)

XXXX of XXXX I initiated a stop payment request with Wells Fargo Bank on a check that had been lost. The check was for {$150.00}. The stop payment charge was {$30.00}. In XXXX of XXXX, the check had been found, cashed and was pending processing by the bank when discovered the transaction while checking my account on-line. 

When I contacted the bank to ask why the check was accepted, I was informed that the stop payment was valid for only 6 months. Any subsequent stop payment would be subject to an additional charge. 

I have since resolved the issue with the cashing party nor do I request any re-imbursement from Wells Fargo. My concern is that if that check was for a much greater sum I would have been forced into a choice if renewing the stop payment every 6 months or hoping the check would never be found and cashed. 

I contacted the XXXX XXXX XXXX XXXX  with a consumer complaint that stop payment of a check be honored by Wells Fargo in perpetuity. 

Below is the text of the reply from Wells Fargo that the XXXX XXXX XXXXXXXX forwarded to me : We have enclosed page 24 of the Wells Fargo Deposit Account Agreement. Per page 24 of the Wells Fargo Deposit Account Agreement ; a stop payment on a check is valid for six months. We may pay a check once the stop payment order expires. You must request a new stop payment order if you dont wasnt it to expire and we treat each renewal as a new order, and a new fee will apply. Your responsibility after we receive a stop payment on a check. Even if we return a check unpaid due to a stop payment order, you still may be liable to the holder of the check. 

XXXX XXXX XXXXXXXX office informed me that they have no influence with Wells Fargo other than register a complaint on my behalf, but recommended that I forward my concerns to you.
Consumer complaint received 2022-10-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (AK)

Good afternoon, Since XX/XX/XXXX I've repaid {$13000.00} on my federal student loans through Great Lakes Student Loans. Due to the announcement concerning student loan forgiveness, I requested the full amount to be refunded on XX/XX/XXXX. I was originally told 25 days for it to be processed. Today is the 60 day mark, and it has neither been refunded nor has my XXXX XXXX XXXX XXXX account been updated to reflect the balance. I've called and emailed customer service a total of four times, and each time was simply told it was being processed without a clear time frame as to when. I was also concerned that each time I asked to confirm the amount to be refunded, they were unable to confirm the amount I calculated. 

Thank you, XXXX XXXX
Consumer complaint received 2021-12-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (CA)

My name is XXXX XXXX. I hired a XXXX  at XXXX XXXX XXXX XXXX in XXXX XXXX and XXXX her on Monday XX/XX/06 to help with my healthy journey. I paid her {$600.00} through XXXX with tax charge. I did not receive a copy of receipt or contract or anything. It looks like the business is doing a shady action with taxing. After paid her, I had my first lesson with her on the following XXXX and then I found out she lied to me. Basically scammed me since she cancelled my XXXX  session to train another client and work out stating that she was sick. I then immediately asked her if she can partial refund me but she refused. I found out this place has been doing this to many clients by ghosting and refusing to give them back the payment. I filed a dispute with XXXX and my bank Wells Fargo but were denied. Wells Fargo did not even send me a proper email explaining why they closed my dispute claim. I am very upset because this was my very hard working money. I was being scammed and there's no way for me to get back that money. {$600.00} might not be a lot to many, but it is to me because I am still a student who has to work and go to school.
Consumer complaint received 2022-11-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CA)

I have a Citi Costco Visa card for several years. My family pays for our expenses with the Citi Costco card and we pay the full amount due on the due date which is the XXXX. day of each month. While I always check for charges on my card I had no reasons to check for late fees and interest charges because I pay in full on the due date. 
However it turns out they have been charging me for late fees and interest for several months now, when I called to inquire I was told that I make my full payment after the XXXX XXXX Standard time, therefore I get charged for late fees and interests. I live in XXXX, I make money, in XXXX, I spent money in XXXX  and I make payments in XXXX  but I if pay this account in full after XXXX in XXXX  XXXX I'm late and need to pay more. Citi bank has brunches in XXXX  and is not and online bank and must extend the courtesy to XXXX to pay their bills by XXXX  times but apparently that is not the case. I called and was able to get some refund for them but not the full amount which I feel like I'm entitled to. Below please see the dates and charges : XX/XX/XXXX, full payment was made but was recorded on XX/XX/XXXX, {$29.00} late fee and {$92.00} interest was charged on XX/XX/XXXX. 
On XX/XX/XXXX, full amount was paid, no XX/XX/XXXX, {$60.00} interest was charge, no late fee this time. 
On XX/XX/XXXX, full payment was made, on XX/XX/XXXX, {$110.00} interest was charged no pay fees. 
On XX/XX/XXXX, full payment was made and was recorded but XX/XX/XXXX, {$95.00} interested was charged. 
On XX/XX/XXXX, full payment was made, it was record on XX/XX/XXXX, and interest of {$110.00} was charged on XX/XX/XXXX with a late fee of {$40.00}. 
On XX/XX/XXXX, full payment was made but the interest charge for {$95.00} was charged on XX/XX/XXXX. 
So far in XXXX they have charged me {$69.00} for late fee and {$560.00} interest. 
I called and spoke to their customer service on XX/XX/XXXX and was able to get {$40.00} refund for late fee charged on XX/XX/XXXX and {$200.00} for interest charges. 
I'm making the complaint because I think I'm entitled to a full refund for late fee of {$29.00} and the remaining {$350.00} interest they charged. Please help.
Consumer complaint received 2022-11-16
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: BARCLAYS BANK DELAWARE (WA)

I have been having difficulty with receiving my card in the mail. I am unsure if it is being stolen in transit, or if there is internal Fraud at Barclay 's, and would appreciate an investigation. 

While attempting to replace my card recently ( after multiple lost cards in the mail ), my card was stolen and used for most of its maximum limit ( {$2000.00} ). While reporting this to Barclay 's I learned about all of the other attempts ( on top of the successful charges to my account ). Barclay 's has since attempted to charge XXXX of the transactions again to my account. XXXX from XXXX and another from XXXX. I have never done business with either. Their explanation is that the perpetrator utilized my mailing address. As the card was presumably stolen from the mail, it is not surprising the perpetrator would have this information. 

I would like to find out if there is a better way to receive my credit cards and statements, as this is not the first this has happened.
Consumer complaint received 2022-11-16
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (NY)

So opened a New Bank Account In XX/XX/2022 in Citibank XXXX XXXX XXXXXXXX XXXX, XXXX  XXXX  NY XXXX Because my dad had past way in XX/XX/2022. He had XXXX Bank Accounts a saving and checking in Citibank. In the XXXX he put me As a beneficiary. So I open a new account under my name. I presented the Documentation that the bank ask me for like XXXX XXXX, his iDs, and my ID and my birth Certificate, and my Dads bank statements.. before I opened the account the Rep of Citibank had verified with their legal team before they handed over my dad funds. Which their legal team said I enough to prove to withdraw the funds which I did.and open the accounts Checking and savings account. When the funds got cleared I started withdrawing money from my account to pay funeral expenses, hotels, Documentation and travel expenses. My XXXX XXXX XXXX XXXXXXXX XXXX Around 20 days later Im having trouble taking out money from my account. I found out my that Citibank restricted my accounts checking and savings and their are closing my accounts within 60 days of the letter.. whatever funds that I had in account they will be mailed to me, but if I wanted my funds sooner I should call or go branch.. I called and went to branch.. they I had wait XXXX and XXXX hours that was XXXX weeks ago.. as well the letter said that fraud activity and need to get verified, I did that. They ask me how I did get the funds to fund account. I told I am XXXX on my XXXX savings account.. they told go back to branch that i open my account to speak with them. I went over there and they did speak with representative that open my accounts. Spoken to few Citibanks Representatives try to help me, tried escalate the matter, written XXXX emails and no response from person that is handling my case. Im getting the run around. Telling they cant do nothin only send email.. this is why I decided to file complaint to see if you get answers .. this adding to much on plate with my XXXX XXXX XXXX XXXX XXXX XXXX. It to much stress.. need to pay XXXX expenses and other things he left unpaid So please help me if need proof paper work, pictures or video, I would gladly send them to you.. I reported to FDIC but they told your institution supervised Citibank
Consumer complaint received 2022-11-16
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. (AL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2022-12-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP (CO)

Enrolled in AUTOPAY to pay FULL BALANCE every month on the XXXX. Payment did not come out yesterday. I phoned Elan Financial yesterday XX/XX/22 to ensure everything would work. Nothing was paid. Agents disconnected the call or hung up on me.
Consumer complaint received 2022-11-13
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: Grant Mercantile Agency (CA)

I received a wrongful debt collection on my credit report without any notice. 

The data is it showed up on my online report is XX/XX/2022, and the amount is {$190.00}. The debt collector is GRANT MERCANTILE AGE. I didn't receive any form of communication from them - mail, email, or phone. 

I am certain that I didn't own any debt cause every XXXX of my spendings is paid immediately afterward and my hospital bills are all covered by my school insurance and I did pay whatever is left on their system. Hence, it is impossible that I owe any debt to any institution. 

Wondering if I can get some help to remove the item from my credit report.
Consumer complaint received 2022-11-13
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. (TX)

I sent a letter to XXXX, XXXX, and Equifax on XX/XX/2022. Its been well over 30 days, I still have received anything back. 
According to 15 USC 1681i ( @ XXXX ) XXXX, XXXX, and Equifax have 30 days to respond to my dispute. 
This a violation of my rights.
Consumer complaint received 2022-11-12
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. (IN)

I have disputed my issue numerous times to try and resolve it. I have submitted a dispute every 90 days starting on XX/XX/2022. Nothing has been done and no information has been removed from my report which is harming me and my family in the end.
Consumer complaint received 2022-04-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: U.S. BANCORP (CA)

we are a small business and recently had a email fraud committed at our account. We discovered that we had transferred a significant amount to the fraud U.S Bank account.

As soon as we discovered, we filed complaint with the FBI and was able to freeze the accoun and the funds. Now the funds are at the U.S Bank and we inititated the recovery process. Inspite U.S Bank confirming that a ) the bank account is fraud and b ) the funds are frozen and still at the fraud bank account, are not returning the funds. It has been almost 2 months and the U.S.Bank refuses to remit the funds bank.
Consumer complaint received 2022-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I submitted a dispute with Equifax ( Confirmation # XXXX ) regarding my date of birth being incorrect on my consumer report. Equifax, without permission or under any legal grounds changed my XXXX from XX/XX/XXXX to XX/XX/XXXX. I have provided Equifax a government issued state driver 's license which shows my current address and XXXX. Equifax is refusing to correct this error, despite being provided with supporting documentation. This inaccurate information is prohibiting me from obtaining needed financing.
Consumer complaint received 2022-10-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: PNC Bank N.A. (TN)

Closed the account approximately XX/XX/XXXX. 
Funds were to be mailed by check to my home address. Never received the funds. 

Filled a complaint with company on XX/XX/XXXX and called ~ XXXX times between XX/XX/XXXX and XX/XX/XXXX. Was told they needed to move my complaint up the chain because they couldnt see the cashiers check number to cancel said cashiers check and reissue another check. 

Never heard back on the cashiers check number nor on the confirmation the check was recut. 

Approximately {$1400.00} has been missing for XXXX months and NO ONE will answer me on when to expect it. 

I have since moved from the address ( I moved on XX/XX/XXXX so WELL after the checks should have arrived ) and still no word. I need to check to be mailed to my new home address or XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2022-07-09
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: AVANTE (TX)

Under the Health Insurance Portability and Accountability Act ( HIPAA ), I am allowed to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. 
*Please provide breakdown of fees including any collection costs and medical charges. 
*Provide a copy of my signature with the provider of service to release my medical information to you. 
*Cease any credit bureau reporting until the debt has been validated by me.
Consumer complaint received 2022-10-23
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (NY)

Hello, forgive my writting but english is my second language. 
I purchase in vacation arts with Park West Gallery. I have received the arts and everything but I still haven't managed to pay the product. First of all, when I try to access the website to pay it didn't work. It took a month before I could get on the website of the bank ( SYNCHRONY BANK ). After accessing the website, I tried to pay right away the arts because they were already charging me interrest when the seller said I wouldnt have to make any payment until 6 month of receiving the arts. I bought the arts on XX/XX/2022. When I was on the synchrony website to pay the credit bill. It didn't work. I contacted clientel services and I ask them for others ways to pay. I offered to pay directly from my bank, with another credit card or with XXXX. They refused. The problem with my bank is that I'm XXXX and I have a XXXX bank accompt and they do not accept XXXX bank accompt for payment. This is really weird. I ask to the person I was talking to what can I do to make the payment? And they responded that I have to wait until they figure it out. It has been 2 month already. I took picture of the conversation that the person said they will get back to me shortly which he never did. I still receive bill for the payment and interrest keep increasing. I ask them to pay the full ammount right now to not have any interrest but they still don't try to help me.