davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (MI)

The original loan amount was {$3200.00}. I requested a refund of payments made during the XXXX student loan pause ; I had {$900.00} remaining and had paid {$2300.00}. Refund checks were dispersed on XX/XX/XXXX, and duplicate checks were dispersed on XX/XX/XXXX. On XX/XX/XXXX, I deposited an amount of {$2300.00}. I received a call from a NelNet representative asking me to destroy the extra checks which I had already done. On XX/XX/XXXX, I received a letter about the duplicated checks with instructions to make a payment of duplicated or mail the checks back. On XX/XX/XXXX, I called NelNet to inform them of the prior phone call and to let them know I destroyed them- they said they would make a note so the duplicated refund wouldn't be charged to my account. 
On XX/XX/XXXX, I checked my account to see a balance of {$5600.00}, when it should've been {$3200.00}. NelNet added an extra {$2300.00} to my account because I destroyed the checks and assumed I deposited!! I called NelNet, and they said they submitted paperwork about the error, and I will be reached out to in XXXX days. on XX/XX/XXXX, I received a missed call from NelNet, and called back to find there was no new information and they were still " investigating. '' On XX/XX/XXXX, I called NelNet again, and the XXXX said she opened a ticket for accounting to specifically investigate. She said to expect XXXX weeks for the issue to be fixed. It is now XX/XX/XXXX, and my account still has an incorrect balance of {$5600.00}. 
I have the checks I cashed ( only {$2300.00} ), and statements proving so. NelNet needs to remove the extra {$2300.00} from my account ( restoring it to {$3200.00}, prior to any payments made in XXXX ) as it was never paid out. They can trace the checks to determine this is true. This should not still be a problem a year later when the mistake was on NelNet from their miscommunication within the company and to customers!!
Consumer complaint received 2023-10-03
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A. (FL)

On XX/XX/2023 I was approved for a credit card from Citibank which had a teaser promotion of 0 % interest for 21 months. At the time of application, I initiated said transfer with a balance I had at XXXX in the maximum amount of the credit given by Citibank of {$17000.00}. During this process, it appeared all was going well, account page indicated transfer was being processed and card was received in mail and activated. 

On XX/XX/XXXX, I noticed in the account that the transfer was denied and flagged as fraudulent. No contact from Citibank was made ( or at least that I received ) that there was a problem with the account and said balance transfer. 

On XX/XX/XXXX, a call was made to customer service. XXXX agents in addition to XXXX supervisor out of the XXXX XXXX had in fact stated my account was suspended and the transfer was cancelled. However, XXXX said that since " they verified my identity, I could move forward with the transfer ''. He indicated that I would have to initiate once again and they could not on their side. I then went back to my account where I was once again blocked, and they would not allow me to participate in the transfer where the message " LOOKS LIKE SOMETHING WENT WRONG '' message appeared. 
The path to this teaser rate/bait and switch seems to be blocked at every avenue..Was the balance transfer amount too high? Does Citibank use this as a " teaser '' to lock unsuspecting consumers? Questions that I would like answered..
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL (TX)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-10-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NV)

This is a problem with Pay Pal from back in 2019. A transaction of XXXX XXXX usd was transacted thru the account and all of the statements have some how disappeared and the account was closed no soon as the transaction was conducted. On this particular day a withdrawal from Pay Pal was taking place at an ATM around XXXX and XXXX with the business Mastercard by myself the sole owner of the account when the atm slip spit out it showed a balance of XXXX usd. Showed the person in the car and said is this right what Im seeing? And he said yes. The receipt was then put in the vehicle glove box tucked behind n the maintenance manual. About 5 months later car was stolen. XXXX  XXXX was the bank the atm slip came from and XXXX XXXXXXXX was the financing lean holder on this vehicle. Have contacted pay pal on many occasion and still get nothing. All accounts closed for a nonown reasons no money back and a nice hang up. This company has many other companies that have a profile on me and now had ruined name credit and what life there was. Countless hours lost for on all this and many attacks still today cause I wont hush! Now its getting personal.
Consumer complaint received 2023-10-01
Product: Vehicle loan or lease — Lease
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: MAS FINANCIAL SERVICES, INC. (CA)

MAS FINANCIAL SHOWING THE WRONG CLOSING DATE FOR THIS CHARGE OFF, THEY PUT A NEW DATE AND YEAR FOR CHARGE OFF DEBT M, DO TO THIS INCORRECT INFORMATION AND OTHER INACCURACIES IM ASKING FOR THIS DEBT TO BE REMOVED IMMEDIATELY FROM MY CREDIT REPORT.

MAS FINANCIAL is in violation of privacy act 1974, I didnt give MAS FINANCIAL Consent to report my personal information I also dont remember doing any business with this company, do to MAS FINANCIAL violating my privacy rights, I have been Suffering emotional damage when it comes to purchasing a home for my children not only that I am suffering but my kids as well, this is call pain and suffering, I have been humiliated. I will like to opt out of this charge-off, 15 U.S.C 6802-15 U.S.Code 6804 Obligations with respect to disclosures of personal information. Do to sending my information to a nonaffiliated third party such as XXXX, XXXX and XXXX other fraud has been committed under my name. Please show me where I gave MAS FINANCIAL the consent to share my personal information to these institutions.I ask that XXXX XXXX XXXX XXXX to obey the laws of 15 U.S.C 1681 ( E ) B-15 U.S.C 1681 I ( 5 ). Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices.
Consumer complaint received 2023-10-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc. (FL)

I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
Consumer complaint received 2023-10-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Opportunity Financial, LLC (VA)

I requested documentation about their account such as signatures and statements. I advised this is a fraudulent account, please update records accordingly and remove from my credit report. A fraud report was provided in XXXX and the item was removed and then added back to my account once again. I have since updated the identity theft report once again.
Consumer complaint received 2023-10-03
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NE)

The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation. I implore you to take immediate action to update my account.
Consumer complaint received 2023-10-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Zions Debt Holdings (CO)

I received a text message from Zion Debt Collections on XX/XX/XXXX without any prior communication or authorization to contact via text message. I have included screenshots of the communications as they do not include the required disclosures and no written notice was sent or received in the required notification period. I reached out via their website to request verification of the debt on XX/XX/XXXX and advised that I disputed the debt and requested the following list of documents. 
1. Verification of the Debt : a detailed breakdown of the amount owed, including the principal sum, any fees, interest, and other related charges.

2. Original Credit Agreement 3. Billing Statements : All billing statements or invoices that document the progression of the debt from its origination to its current status. 
4. Payment History : A complete record of all payments made towards the debt, including dates and amounts.

5. Assignment or Transfer Documents : documentation that verifies the legal right to collect the debt.

6. License Information : License number showing they are licensed to collect debt in my state. 
The agency acknowledge the website request on XX/XX/XXXX. XXXX XXXX, rep for Zion Debt Holdings responded via email on XX/XX/XXXX but did not provide all of the requested documents. I advised the agency that I closed the my account with XXXX XXXX XXXX when I sold my home in XX/XX/XXXX and that during closing I spoke with a XXXX customer service rep ( XXXXCa n't remember his last name ) who assured me the account was closed and the system would be transferred to the new property owners. The verification statement that was provided shows a balance of {$950.00} while the payment history provided shows {$360.00} as the past due balance. In addition to this the contract with XXXX provided was amended in XXXX of XXXX to remove XXXX XXXX from the contract as recognized by XXXX XXXX XXXX XXXX. The agency failed to provide copies of the respective billing statements or any agency license information for verification. I followed-up via email and advised of the discrepancies and repeated that I dispute the debt. The agency reported the debt to the credit bureau 's without adequately validating the information and providing appropriate notice. I have attached the all correspondence received for reference. At not time has the agency provided any of the legally required communications or disclosures and the balances provided can not be validated with the information provided. I have asked that any further communication be via USPS which has also been disregarded.
Consumer complaint received 2023-10-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (GA)

I am the author of this complaint and I have attached a copy of my driver 's license, social security card, and an identity theft report to this complaint. 

I contacted XXXX XXXX XXXX about an account that they are reporting to my credit report. They are reporting the account fraudulently and without my authorization and consent. 

They claim that I owe them balances on debt accounts but they have not provided VALIDATION that a contract exists between myself and XXXX XXXX XXXX. If no contractual obligation exists between us then how could I legitimately owe them for any debt? XXXX XXXX claims to have purchased the debt from Synchrony Bank but my contract was between myself and Synchrony Bank, who I am in the process of entering into arbitration with. If XXXX XXXX XXXX continues furnishing, reporting, and making attempts to collect debt that does not belong to me then I will have to include them in an arbitration claim for violation of the FCRA, FDCPA, and for aggravated identity theft. 

Please see XXXX XXXX XXXX info in identity theft report attached
Consumer complaint received 2023-10-01
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with the interest rate
Company: COLUMBIA BANKING SYSTEM, INC. (IN)

On XX/XX/XXXXXXXX  XXXX XXXX and XXXX XXXX entered into a Equipment Finance Agreement with Financial Pacific Leasing a subsidiary of Umpqua Bank for what was understood as the purchase of an XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX ' XXXX  XXXX  at XXXX XXXX in Arizona. During the time of purchase the interest on the " loan '' was never disclosed and we were rushed to sign the paperwork. It was only disclosed that we had a total of 60 payments at {$1800.00}. We were also led to believe we could do an early payoff on said lease. On XX/XX/XXXXXXXX  XXXX reached out to Financial Pacific Leasing via email to request the 10 Day Payoff amount. The response received from Financial Pacific Leasing was that we signed on for 60 payments of {$1800.00} and there is no adjustment made as there is no interest just a finance fee. We were informed on XX/XX/XXXX that the payoff amount was {$89000.00}. On XX/XX/XXXXXXXX  XXXX XXXX and one of our associates for XXXX XXXX XXXX XXXX, XXXX XXXX spoke on the phone with a XXXX XXXX regarding the account and requested a break down of all the fees on the lease. We were met with hesitation from the XXXX XXXX and told she would have to request that from a manager. An email chain was established with XXXX XXXX and we received an email with our requested current payoff amount which was reported to us as being {$86000.00}. On XX/XX/XXXXXXXX  we finally received a copy of the Amoritization Report which clearly shows the interest being charged on the lease at a rate of approximately 106 % if our calculations are correct. Had this rate been disclosed at the time of purchase we would have never agreed to this financing.
Consumer complaint received 2023-10-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: ALLY FINANCIAL INC. (VA)

It first started around XX/XX/XXXX I got a debit card in the mail for a XXXX Bank account. I called and reported it fraud. I also revived a letter from XXXX bank stating they didnt accept my application. I never applied to either of these banks. 
Fast forward a few weeks I received a Email about setting up my Ally bank account on XX/XX/XXXX I called and the operator advised me just to ignore the email. I explained to her how I didnt feel comfortable ignoring it and how my information is in their system without my knowledge. She still advised me to just ignore the emails. I started to received emails about adding XXXX account? 
So I called again XX/XX/XXXX to report the fruad and this time the operator reported it and shut down the account. 
I woke up this morning XX/XX/XXXX to yet another email about an account trying to be open Without my knowledge or consent. This time it was from XXXX bank. 
Ive never applied for any of these account and I have no idea how they have my email and information.
Consumer complaint received 2023-10-01
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (SC)

They said denied XX/XX/XXXX never received email. Stay on phone for hour and half and supervisor was to call back nothing. Supposed to email info again NOTHING. Thier website states this also lie. American Express https XXXX XXXX 
Protection Against Phishing and Scams | American Express XXXX you think you've been a victim of a website scam, our Fraud Protection Guarantee means you won't be held responsible for any fraudulent charges, providing... FALSE Advertisement case.
Consumer complaint received 2023-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MA)

I am writing to submit a formal dispute regarding inaccurate information on my credit report, which was obtained from Equifax. On XX/XX/XXXX, I contacted Equifax regarding the following incorrect information on my credit report, and to this date, they have not responded. Please find below the details of the inaccurate information and the required corrections : The following account was never late : Creditor : XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXXXXXX  High Credit : {$560.00} Correction : Please correct/update this inaccurate information on my credit report. 

The following account is not mine : Creditor : XXXX Account Number : XXXX Date Opened : XX/XX/XXXXXXXX  Balance : {$0.00} Correction : Please remove it from my credit report. 

I require that you verify the account identified as XXXX XXXX : Date Opened : XX/XX/XXXXXXXX  Balance : {$25.00} Correction : The reported balance of {$25.00} is inaccurate. I believe it should be a lower amount. Furthermore, the Past Due amount should not be presented as this account is closed and charged-off. Please mark this account as disputed while I resolve my dispute with the creditor. I also request verification of the Date Opened, Date of Status, and First Reported. 

The following account is not mine : Creditor : COLLECTION Account Number : XXXX Date Opened : XX/XX/XXXXXXXX  Balance : {$8300.00} Correction : Please remove it from my credit report. 

The following account is not mine : Creditor : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXXXXXX  Balance : {$740.00} Correction : Please remove it from my credit report. 

The following account is not mine : Creditor : XXXX Account Number : XXXX Date Opened : XX/XX/XXXXXXXX  Balance : {$340.00} Correction : Please remove it from my credit report. 

The following account is not mine : Creditor : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXXXXXX  Balance : {$1900.00} Correction : Please remove it from my credit report. 

The following account is not mine : Creditor : XXXX XXXXL Account Number : XXXX Date Opened : XX/XX/XXXXXXXX  Balance : {$1700.00} Correction : Please remove it from my credit report.
Consumer complaint received 2023-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I've sent the following message by mail to XXXX and Equifax over 40 days ago and still have not heard back or received an update. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : Fraud Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled.

A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, XXXX XXXX XXXX : Identity Theft Report Proof of identity : [ a copy of my drivers license/other government-issued identification card/other ] Copy of Credit Report Fair Credit Reporting Act Section 605B [ PDF ]
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-01
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: Neon Newco Corporation (NY)

In accordance to regulations E a investigation was going on where the company was supposed to provide provisional credit and give client access to it while the investigation is going on accordance with 12 CFR 1005.11 ( c ) ( 1 ), ( 2 ) ( i ). As well they waited to the 10th day close my account and I supect them of stealing the credit in accordance with grand larceny How Is Grand Larceny Different From XXXX XXXX? 
While both grand larceny and petit larceny are crimes of theft, grand larceny is more serious as it is a felony, and petit larceny is a misdemeanor. You will face a charge of grand larceny if you are suspected of stealing property with a value of more than {$1000.00}. If the property has a value of {$1000.00} or less, then the charge will be XXXX XXXX. However, as a New York grand larceny lawyer will explain, there are a few exceptions to this. For example, if the property is taken from another 's person, or if the property is taken by extortion, the charge will be felony grand larceny regardless of the value of the property. The claim that was put in with netspend was XXXX and the card was XXXX XXXX XXXX XXXX account ending in XXXX
Consumer complaint received 2024-03-01
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (NC)

I went to check my payment for next month XX/XX/XXXX via the SYNCHRONY app and it had said go online or call SYNCHRONY. I checked the online this morning to find out that the account is closed with no reason as to why it was closed I called XX/XX/XXXX to SYNCHRONY they said due to to many revolving credits I told the rep. they had no right to look at my other accounts or check my credit score with out my authorization bad enough they had already lowered my account last month from XXXX $ to XXXX XXXX I also asked why they closed the account all they could say was revolving credit and couldn't answer who I could talk to about it being resolved.