davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-27
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (MI)

I had my ID stolen in XX/XX/XXXX. I had to file a police report, XXXX and I put 7 year fraud alerts on all 3 of my credit reports and signed up for XXXX XXXX. I am supposed to get a phone call before my credit is used for anything. On XX/XX/XXXX I received an alert from XXXX XXXX that I had a hard inquiry on my XXXX XXXX XXXX report from JP Morgan Chase credit card. Someone had opened a card in my name. I called Chase & asked them why they didn't call me first. They gave me some run around lame excuse that it was because it was opened online. They promptly closed it & marked it as fraud. On XX/XX/XXXX the exact same thing happened. I called Chase again & got excuses again. They force sent me a packet on fraud, which I didn't need or want. Chase also said they would send a letter to the credit bureaus to have both hard inquiries removed. At this point, I went ahead & put credit freezes on all 3 of my reports. A few days later someone again tried to open me a Chase credit card but it did not go thru this time & yet no one from Chase ever called me to confirm it was me. Chase is not following the protocol for when people have fraud alerts on their credit reports! Finally at almost 90 days out the hard inquires have not been taken off my XXXX or XXXX credit reports.
Consumer complaint received 2023-12-27
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (CA)

I used my Venmo credit card to book two tours from XXXX on XX/XX/. The two transaction amounts were {$120.00} and {$180.00}. ( they are posted in USD and the original transaction was in XXXX ). I canceled the tours on XX/XX/XXXX and XXXX sent me emails that they have issued refunds regarding my cancellation. ( please see attached emails for evidence ). However, I never received the refunds from Venmo credit card. I have contacted them several times and they open the dispute at the beginning however they closed it and said I didn't give them evidence. They never told me a place that I can upload evidence )
Consumer complaint received 2024-11-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (OR)

my us bank reliacard for XXXX XXXX money was deactivate and money is still being loaded onto the card but I can't get the money. I've done all that was asked and they still won't activate my card. I want to sue for damages at this point.
Consumer complaint received 2023-12-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TRUIST FINANCIAL CORPORATION (NY)

In XX/XX/XXXXXXXX  I've purchased a new vehicle from XXXX XXXX. The loan was financed by Trust Bank. Various services were included in the financed amount, such as extended warranty, maintenance contract, etc. In XX/XX/XXXX2023 I've sold that vehicle, consequently, cancelling additional services : such as maintenance program. After cancelling maintenance program, check # XXXX in an amount of {$1200.00} was issued and sent to Truist Bank, who was suppose to sent it my way ( I don't know why they made it so complicated ). It was cashed by Truist on XX/XX/XXXX, and Trust never sent these money back to me. I've provided all possible requested iformation Trust wanted and still refuse to reimburse me. 
Could it please, help me to fight such injustice. 
Thank you so much for your help.
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Freedom Mortgage Company (FL)

My mortgage has been sold 3 times -- almost every time it still has the same loan servicer, just a different mortgage holding company.In XX/XX/, Freedom Mortgage reported my payment 30 days pas due. I requested an explanation. The mortgage has been paid 30 days ahead and continues to be 30 days ahead of the next due date. I have not missed any payments or been late. I wrote several letters, called and was placed on hold for long periods with no response, from the mortgage company nor from the 3 credit brueaus. None of them have responded.I filed a dispute with the 3 credit bureaus. I requested the 30 day late notes be removed and be returned from red to green show paid as agreed on time on my credit report.
Consumer complaint received 2023-12-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (WA)

I tried to make my payment over 10 times in XXXX the website was down. I tried to email through thier portal, it was down. I tried to call it's a 60 minute wait or longer. No answers. 
I have set up automatic payments and they said still my payment was late. They have serious and significant website issues and today I can not even access it yet again. If I can not log in then how can we be expected to make the payments.
Consumer complaint received 2023-12-27
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P. (NY)

My name is XXXX. My original creditor was XXXX XXXX XXXX. A third party collection agency LVNV funding LLC purchased old Inaccurate fraudulent debt from XXXX XXXX XXXX which is illegal to do. I knew nothing of LVNV funding. They never reached out to me prior to this. And to make matters worse they have now threatened and sued me for Debt that is inaccurate. I tried to contact there office and no one has gotten back to me to look into this matter. Im very upset about this because no one should have to pay a debt that is inaccurate. I do not consent to paying a third party collection agency that has inaccurate data on my old past debt. I also do not appreciate LVNV Funding LLC threats of suing me. I have never been sued a day in my life and I try to live my life in a very respectful / honest way. LVNV LLC does not operate in a honest way. They are money hungry -third party collection agencies trying to make a quick dollar by suing innocent people. LVNV does not deserve to be operating as a third party collection agency. 

They need to stop harassing innocent American people. Enough is enough! 

LVNV funding LLC license number is XXXX They are Suing me in the amount of {$1900.00}
Consumer complaint received 2023-12-27
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE (OH)

XX/XX/2023, I received notice from XXXX XXXX XXXXXXXX that my credit score had negatively changed. Upon receiving this notice, I reviewed my credit report and noticed that Barclays had shown me XXXX-days delinquent on XXXX of my credit cards. I then went to Barclays ' website to look at my accounts and printout any statements that could shed light on the problem. It turned out that I had made a charge on the card in the amount of {$7.00} in XXXX on an XXXX XXXX flight. However, Barclays had failed to send me any statements or provide electronic notifications. I immediately printed out the missing statements and made payment of the {$7.00} from the XXXX charge. I then contacted Barclays to address the late fees and interest. After discussing the issues, Barclays agreed to remove the late fees and interest charges. However, they wanted me to pay the {$39.00}, which would be credited back on the next statement. I explained that this seem rather unusual and a waste of everyone 's efforts. But the staffer stated it was policy. I requested to speak with a manager, who called me back the next day. After the manager 's review and based on our discussions, it was agreed that I did not need to send any money and the account would show a XXXX balance on the next statement. It was also agreed to restore my credit limit back from {$500.00} to the original {$20000.00}. I requested, and the manager agreed to work with the consumer credit reporting agencies to correct the faulty reporting, to restore my credit rating. I filed dispute notices with the agencies and got the usual response. I have tried to work with Barclays, but just get form letter. The latest letter states that Barclays will advise the consumer credit reporting agencies that I dispute the information that Barclays provided. However, they have not given any indication that the manager or anyone from Barclays is make an effort to correct the faulty reporting and get my credit rating restored.
Consumer complaint received 2023-12-27
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: WELLS FARGO & COMPANY (CA)

In 2007 I opened accounts with Wells Fargo. Last month I received a statement stating that I could be reimbursed money from the accounts. I lost the letterhead but would like to receive my compensation, if its possible.
Consumer complaint received 2023-12-27
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc (TX)

On XX/XX/2023. I received a mail from PayPal saying they are unable to continue processing payments for me and my account is permanently limited due to me violating some of their policies and that they will hold any money stored on my account for 180 days. My business provides a service to different brands where products are tested to give the brands positive or negative feedback and what they can do better, payments were received through PayPal. After looking several hours and asking for help to my accountant we couldn't see where I violated one of their policies, their policies talk about selling and participating in illegal acts such as selling drugs and guns which my business has nothing to do with this. After trying to contact PayPal several times for an explanation every single time was the same '' We can't disclose the reason ''. I also told them I could send any type of legal documents to verify my Identity but they were all responded with the same email saying this is a final decision. By PayPal doing this my whole business comes to a complete halt due to a mistake on their part of accusing me of violating their policies or making wrong assumptions. I have called several times and talked to different Managers and the last one told me '' The same answer you got on the mail is the same I am going to give you, the decision is final ''. I thought I was not under what can be considered a High-risk user since I have never received a claim/chargeback from any of my clients, I do not violate any of their policies. Today XXXX XXXX I received an answer from them saying I actually was targeted as a " High Risk User " due to some " potentially fraudulent funds ". In the close to one year of my business operating, I have never received a Claim nor a Chargeback. I am open to talk to PayPal and prove that my funds are not fraudulent also I can provide any type of documentation/receipt from client and I am also able to prove each and every single transaction/funds received for what the order was paid for, but PayPal never asked for this kind of information, matter of fact they didn't even gave me a chance to prove I am not involved in any fraudulent business.
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NRA Group, LLC (NC)

XXXX failed at their grave responsibility to protect my right to my privacy by allowing a corporation to utilize my credit report without MY written expressed consent AND without an initial investigation of the report knowing it would affect my credit worthiness and credit standing and in the long run HARM my reputation. National Recovery is reporting an alleged debt on my credit report which has Medical information on it ; privacy concern. The falsified information regarding who the original creditor is wrong as well stating XXXX XXXX XXXX. XXXX, National Recovery, or XXXX XXXX XXXX NEVER had MY WRITTEN and EXPRESSED consent to furnish anything on my report without my knowledge. There is an alleged debt that has also not been verified.
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Account # XXXX is reporting on my credit report and this account needs to be Deleted. The company is NOT licenses or has Registration to collect debt in the state of Georgia. Please provide me verification of the license to collect debt in my state and I am requesting a copy of any agreements, contract or documents bearing my signature validating my obligation to pay this debt. 

Please respond to this validation request in writing within 30 days from the date of receipt of this letter. Any further collection activities without validating this debt will be considered a violation of the FDCPA. FCRA Law Section 623 ( a ) of the FCRA generally prohibits a person from furnishing inaccurate information to a CRA. Please remove this account immediately from my credit report. I requesting validation of this debt as per my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692g.
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc. (FL)

RE : ACCOUNT # XXXX Subject : Formal Complaint Regarding Violation of Consumer Rights and FERPA Rights Dear NELNET Customer Service, I am writing to formally lodge a complaint against NELNET for the apparent violation of my consumer rights and the Family Educational Rights and Privacy Act ( XXXX ). I have discovered that NELNET has reported my student loan information without obtaining my explicit permission, thereby breaching both legal and ethical boundaries. 

As a consumer, I have the right to privacy and control over my personal and financial information. FERPA, a federal law, further protects my educational records from unauthorized disclosure. Despite these protections, I have been subjected to an infringement of my rights, as NELNET has reported my student loan information without my explicit consent. 

This violation is not only concerning but also unacceptable. I want to emphasize that by disregarding the laws safeguarding my rights, NELNET has opened itself to legal repercussions. As a result, I want to make it explicitly clear that I reserve the right to pursue legal action against NELNET for this violation. The unauthorized reporting of my student loan information not only breaches my rights but also potentially harms my financial standing and credibility. 

In light of the aforementioned violations, I demand the following actions : Immediate removal of any and all references to my student loan information from my credit report. This action should be carried out promptly to mitigate any further damage to my creditworthiness. 

A written confirmation, sent to my address mentioned above, acknowledging the removal of the aforementioned information from my credit report and any other databases where it might have been shared or stored. 

An official apology from NELNET acknowledging the oversight and detailing the measures taken to ensure that such violations do not occur in the future. 

I expect a timely response to this complaint and action on the aforementioned demands within " 14 days '' from the receipt of this letter. Failure to address this issue promptly and adequately will leave me with no option but to seek legal recourse. 

I trust that you will treat this matter with the seriousness it warrants and take immediate corrective action. I look forward to your prompt attention to this pressing concern. 

Sincerely, XXXX XXXX XXXX.
Consumer complaint received 2024-03-14
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Doxo, Inc. (DE)

On XX/XX/year> I tied to pay a bill and Doxo is the processing company. It was a bill in my son 's name and he is on vacation. There website asked for an authorization code but I could not access my son 's email to get the code so I stopped and used the telephone service as it didn't need an authorization code. I woke up this morning to a charge to my bank account of XXXX. This overdrew my account. I called the company and they informed me that they could not refund the transaction. This was not an authorized payment as I never used the confirmation number that my son had and he didn't use it either because he couldn't. I was told that no authorization was needed for a debit card, which is incorrect or I would not have been prompted to enter the access code.
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: BARCLAYS BANK DELAWARE (FL)

Good Afternoon, By way of introduction, my name is XXXX XXXX. I am a XXXX plus year XXXX in the credit and banking industry. I have carried a credit score of over 700 until relatively recently. My credit score has plummeted to less than 600 even though I pay my bills. Over a 30 or so year credit reporting history, I have been 90 days on XXXX accounts XXXX  years ago, and I have had maybe 4, 30 days over the past 2 years or so. 
The issue I have is that, even though i am paying, the credit card companies have lowered my limits. This in turn increases my utilization which in turn lowers my credit score. When one company does it, the others follow by lowering my limits to the balance owed. By doing so, the credit card companies are able to charge me the highest rates allowed by law while simultaneously limiting me in obtaining a consolidation loan or a credit card with a high enough limit to pay off others. 
Because of a recent divorce, XXXX sons in college, and my work in the turbulent mortgage industry, I have used my cards more over the past 3 years, I carry about XXXX in credit card debt, more than I would like but manageable. I had hoped to get these consolidated but because my score is so low, I can not. In addition, when I review my score, the advice I get is to " open another credit card '' This will decrease your utilization rate. that's bad advice! 
I have talked with several friends and colleagues about this, and the vast majority are experiencing the same thing. 
Right now, I am trapped, with NO way out. Credit cards are necessary today and can be crucial in tough times. 
This seems to be a concerted effort to keep the consumer paying the highest rates possible while locking them into keeping the cards because there is no viable option to pay them off. 
I would ask you to look into the practices of credit card companies to see this and to determine what should be fixed. If not corrected, many consumers will simply give up and stop paying and what are the credit card companies going to do? ruin their credit scores, too late they are already so low it doesn't make a difference. Thus, there will be a huge write-off in the future. 
my cards are with Barclays, wells, and discover. 
thank you for your help!
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXXXXXX XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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 15 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 2023-12-27
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A. (GA)

Dear Wayfair and XXXX XXXX, I appreciate your prompt response to my debt validation letter dated XX/XX/, and I have carefully reviewed the information provided. However, there remain critical concerns that need to be addressed, and I believe it is in the best interest of both parties to reach an equitable resolution. 

1. **Lack of Contractual Obligation : ** The absence of the requested contract specifying my obligation to pay the alleged debt raises concerns about compliance with the Fair Debt Collection Practices Act ( FDCPA ) 809 ( b ). To facilitate a fair resolution, I propose the deletion of this debt from my credit report.

2. **Possible Debt Cancellation : ** The potential cancellation of the debt via 1099c, as suggested by Wayfair 's language, raises questions about the validity of continued collection attempts. In light of this, and to ensure compliance with the FDCPA, I kindly request that Wayfair cease all debt collection efforts related to this account. 

3. **Applicability of the FDCPA : ** While Wayfair asserted that the FDCPA does not apply to them as the original creditor, it is essential to recognize that a debt collector, as defined by the FDCPA 803 ( 6 ), includes anyone attempting to collect a debt. Acknowledging this, and to avoid any legal complexities, I suggest removing the debt from my credit report. 

4. **Georgia State Laws : ** To further ensure compliance with Georgia s

tate law ( O.C.G.A. 7-3-15 ), which mandates that debt collectors must be licensed, I request evidence of Wayfair 's compliance.

5. **Void Agreement : ** Given the lack of disclosure of important details about the agreement and my inability to understand the terms fully, I assert that any agreement we may have is now void. This is due to my reasonable expectation that all pertinent details would be transparently communicated. As such, I propose that Wayfair acknowledges the nullification of any agreement related to this alleged debt. 

In light of the above, and to foster an amicable resolution, I propose that Wayfair promptly removes the alleged debt from my credit report, ceases all debt collection attempts related to this account, and acknowledges the void status of any prior agreement. This approach will not only mitigate any potential legal complications but also save both parties the time and expense associated with protracted legal proceedings. 

I believe this course of action is fair and reasonable and trust that Wayfair will consider this proposal seriously. I anticipate your timely response confirming the implementation of these measures. 

Please enjoy your holiday.