davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (CA)

Made a payment on XX/XX/XXXX covering the full loan amount + interest. The payment was reversed on XX/XX/XXXX despite having the status of " received '' on my account portal for aidvantage. There were no charges on my bank account and I confirmed with my bank that nothing was denied by my bank and that my bank had never received any charges from Aidvantage. 

Upon checking my inbox in the aidvantage portal, I saw there were messages from Aidvantage saying that they could not locate my bank account so assuming that I had mistakenly entered my bank account info, I deleted my bank account from my Aidvantage account and carefully re-entered my checkings account information. 

Following this, I sent a payment on XX/XX/XXXX ( only noticed the reversed payment on XX/XX/XXXX ), covering the full loan amount + the newly accrued interest. The payment was reversed again on XX/XX/XXXX despite seeing a " received '' status on the loan again. No charges on my bank account. And to top it off, there was no correspondence from Aidvantage as to why my payment was " reversed ''. 

I just sent another payment on XX/XX/XXXX for the full loan amount + the newly accrued interest which is currently in the " processing '' status. 

Throughout this whole process, I've emailed Aidvantage twice, called once and have not been able to get any help from their help line.
Consumer complaint received 2023-10-06
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. (GA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$12000.00} XXXX XXXX Balance : {$13000.00} XXXX XXXX Balance : {$12000.00}
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

I am writing to formally register a complaint concerning the persistent inaccuracies present on my credit report with Credit Bureaus. Despite multiple attempts to rectify these inaccuracies, the requested corrections have not been made, and this has had a detrimental impact on my financial well-being and creditworthiness. 

I first identified these discrepancies on my credit report, and since then, I have made repeated attempts to have them corrected. I have communicated with your agency on the following dates and each time I was assured that the necessary actions would be taken to rectify these inaccuracies. However, despite my efforts, the inaccuracies remain unresolved. 

To support my complaint, I have attached copies of the following documents : Copies of my credit reports, clearly indicating the inaccurate items. 
Any correspondence exchanged with your agency, including reference numbers or case IDs. 
Any other relevant documentation, such as dispute letters or proof of payments, if applicable. 
I insist on a thorough and immediate investigation into these inaccuracies and request that your agency takes prompt action to correct my credit report. These inaccuracies have adversely affected my ability to secure credit, employment, and other financial opportunities, and I expect them to be rectified without further delay. 

Furthermore, I kindly request a written confirmation of the actions taken to resolve this matter and updates on the progress of the investigation. Please assist me to remove the following inaccurate items : 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 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 2023-10-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc (MO)

On XX/XX/12, our company received an email from paypal that a customer had sent us money. We did NOT have a paypal account, did NOT agree to any terms of service, and had NOT asked the customer to send the money via paypal. The customer simply put in our email address and Paypal took the money. 
We immediately did set up a Paypal account. However, significant information was then required. We had to pay a fee which we had not agreed to before setting up the account. And, now, XXXX weeks later, they have still not released the funds to us.
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Hello, I opened a business account just two weeks ago at the XXXX XXXX ( XXXX ) Business Center XXXX XXXX XXXX XXXX, XXXX CA for a new business. After opening the account with the business account representative XXXX, we both walked to the front counter and deposited {$10000.00} case into my BOA Business account with the business clerk. She counted the money in the machine and then said she would deposit the funds. Today I logged in and noticed that my Bank of America Business Account balance is XXXX XXXX. There is no transaction or transfer history as I have not even had a chance to use the account yet. 

Where is my money? I am going to miss a bid on a property for my business because of this!! The money isn't there. 

I have cc'ed the account representative tha assisted me with opening the account. 

Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX CA Acct : XXXX XXXX
Consumer complaint received 2023-10-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CO)

In XXXX, I complained to Chase about a teller named XXXX who refused to deposit my loose coins, falsely claiming they needed to be rolled. After confirming Chase 's policy accepts loose coins, I sought an apology from XXXX. However, in XXXX, I unexpectedly received a letter accusing me of inappropriate conduct and placing my account under review, seemingly in retaliation by the branch manager XXXX. 

I experienced a clear violation of the code of conduct when the branch manager, XXXX, retaliated against your complaint about refusal of service by falsely accusing you of inappropriate conduct and subjecting your account to review. This retaliation raises concerns about privacy and security, as XXXX can access my personal data. 

I escalated the complaint to Better Business Bureau, and Chase executive team investigated without revealing the outcome or removing the record, causing distress and insecurity due to potential privacy breaches.
Consumer complaint received 2024-04-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I received a collection letter in XX/XX/XXXX from XXXX XXXX XXXX collecting for Portfolio Recovery Associates , LLC. They wanted to collect a debt from XX/XX/XXXX. Ten years!! I sent them a letter requesting verification/ validation. They never sent it. XXXX XXXX XXXX sent a letter containing only a default judgment document from XXXX. This is the first time finding out about this debt and default judgment. Portfolio Recovery Associates bought the debt and never contacted me by mail. The entire time they were purposely sending communication to the wrong old address. My right to verify and dispute any debt was denied. I believe they purposely do this to consumers so that they can bring a lawsuit without contest. I obtained the court docs and Yes, they had the petition filed with an old address. 
I am formally disputing and contesting the actions of Portfolio Recovery Associates, LLD, in relation to their collection activities towards me. I have reason to believe that their practices are in violation of my consumer rights under various laws and regulations. I hereby declare that I dispute owing any and all debts to and request immediate validation of the alleged debt in question. Furthermore, I demand the purchase agreement between Portfolio Recovery Associates , LLC and the original creditor pertaining to the said debt. It has come to my attention that Portfolio Recovery Associates , LLC has not provided validation information as required by 12 CFR 1006.34 ( b ) ( 5 ). Additionally, I was denied the opportunity to dispute the account in accordance with 12 CFR 1006.34 ( c ) ( 4 ) ( C ).

Portfolio Recovery Associates , LLC has proceeded to place a default judgment without my right to dispute, proper service, and false filing of court documents. I kindly ask the Consumer Financial Protection Bureau to investigate these matters and take appropriate actions to address the violations committed by Portfolio Recovery Associates , LLC. Your prompt attention to this matter is greatly appreciated. Thank you for your assistance in resolving this dispute. I look forward to a swift resolution to this matter.
Consumer complaint received 2024-04-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (FL)

I received a notice that I needed to provide information to lift a restriction on my account and was informed that after more than XXXX  years of business with Chase, my account has been closed without prior notice and I will not be allowed to open a new one. They had clarified that it was NOT due to fraud, but their only reason for closing my account is that they " can not maintain the account anymore. '' I use this account to pay all of my bills and they have provided absolutely NO prior communication regarding my account. I always maintain a balance and have never engaged in any fraudulent activities. This is a terrible way to treat their long term customers!!
Consumer complaint received 2023-10-06
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (CA)

I fully paid off my auto loan on XX/XX/2023 for a XXXX XXXX XXXX with Hyundai Motor Finance. I have repeatedly contacted Hyundai Motor Finance, specifically their title department and they have not agreed to request a car title that shows me as the sole registered owner. I even filed this issue with the XXXX XXXX XXXX  and they have responded with generic responses saying " they are working on it ''. It has been 6 months since I have paid off my auto loan and I still do not have a car title that shows me as the sole registered owner. 

I have even tried to resolve this myself by filing a case with the DMV but without the proper signed paperwork from Hyundai, I am unable to resolve this issue.
Consumer complaint received 2023-10-06
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (FL)

I went to use a {$50.00} amex prepaid gift card for {$20.00} on my XXXX but it said the card is invalid and i checked playsation support and it didnt help and i checked the card balance, info, etc and it still didnt work, so i called and all i got for an answer was the robot voice saying for my protection that purchases wont go through or because the merchant didnt ask for the security code, although the XXXX store does ask for it.
Consumer complaint received 2023-10-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (NV)

XX/XX/2023 Wells Fargo own Transaction record clearly showed that {$4500.00} disappeared from my checking account without any knowledge or approval. The missing money was paid to another person account under " XXXX XXXX '' Wells Fargo blamed me for the origination of the " Bill Pay '' ( see attached Wells Fargo finding ). While Wells Fargo transactionrecord clearly showed 1. XXXX XXXX initiated the funds transfer on another computer ( Wells Fargo own reference number XXXX ) This clear evidence refutes Wells Fargo claim this originated from my account which is farcical at best. 

2. No bill payee detailed on my account under " XXXX XXXX '' was ever established from my account. This clearly refutes Wells Fargo blame and assessment this originates from my own account. 

I strongly believe this accounting error originated from Wells Fargo. 
Wells Fargo later than redacted this same transactional record from my access ( point 1 ). Not before me capturing the details. Further avoided any reference to these facts. 

I believe these irregularities ( theft ) is further exacerbated by Wells Fargo own finding which blames me for these missing funds. 
As I've shown these details to Wells Fargo, they have clearly ignored any evidence of findings submitted ( submitted here again ). 

This is clearly theft by an internal employee or an accounting error, which Wells Fargo refuses to research and follow any leads on. What I would expect from banking fudiciary responsibility that is clearly owed to a 40 year account owner.
Consumer complaint received 2023-10-06
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I've been banking with Bank of America for years and I've had the same savings account for around 15 years they haven't charged me any monthly maintenance fee until XX/XX/2023 where they charged me XXXX $ for not having a minimum of XXXX XXXX which they didn't send me letter or email notifying me that they would start charging XXXX $ if i didn't keep a minimum of XXXX $ or I else i would had. So in XXXX I check my savings account and realized they charged me XXXX $ for the month of XXXX, XXXX, XXXX, XXXX and XXXX. I called them and asked them why they were charging me and they said I needed to have a minimum of XXXX XXXX I told them how they didn't notify me and they didn't give me a concrete answer. I told them I would transfer XXXX $ there and then from my checking account and if they could refund the money. They only refunded me XXXX XXXX 
I feel as if this is unjust due to them not telling they would start charging XXXX $ for not having a minimum of XXXX XXXX 
I know in my checkings account I need to have a minimum of XXXX $ it not they charge me XXXX XXXX Which they did not too long ago but I'm accepting of it because I was notified a long time ago. 
Thanks
Consumer complaint received 2023-10-05
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Resurgent Capital Services L.P. (GA)

I have asked you to cease and desist all communications regarding this debt, yet you still continue to do so. Your willful non compliance and failure to cease communication is in violation of my rights as a consumer and the FDCPA. You are not allowed to communicate this alleged debt through ANY medium according to the FDCPA. Yet and still, I am still being harassed, harmed and oppressed through your communications. Your actions have CONTINUED to cause me harm even though you have admitted through CFPB that you have received my cease and desist, yet you deceptively stated you had complied. You have also violated my rights and the FDCPA by reporting to an unaffiliated third party. I am FURTHER damaged by your infringement on my right to privacy. You have right to purchase a debt NOT my personal information, yet you continue to furnish it without my previous or present consent. This is extreme abuse and unacceptable. I have attempted to make pitstop and this will be my LAST time before taking FULL legal action against you. I have also disputed BOTH alleged debts multiple times.
Consumer complaint received 2023-10-06
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc (TX)

In XX/XX/2023 I tried to buy flight tickets in XXXX XXXX. In the process I asked Affirm to approve a short financing for about XXXX. Affirm approved my application by asking me to pay a down payment of {$510.00}. I accepted because I needed the tickets. Affirm withdrew the money from my bank account instantly but the transaction was never confirmed with XXXX. I didnt get the tickets but I didnt have the money to find another tickets provider because Affirm took the money first. I tried since that momento to recover the money but today, more than 3 months later, but Affirm is still lying and didnt take my complaints seriously. I am a victim of fraud and abuse of power by Affirm Financial Inc. The case number given by Affirm was XXXX. 

My bank XXXX tried to helped but Affirm didnt consider serious my bank complaint as well. 

I dont know how possible is to have companies in our country doing irregular and suspicious business activities taken XXXX XXXX as their victims, stealing money with no consequences. 

I need your help to recover the money that Affirm removed from my account without any loan or transaction approved. 

Affirm customer service is a joke and every time I call them they say different information. They were trying for more than 3 months to make me tired on this process and finally keep the money. That is unacceptable. 

I am a XXXX with a limited monthly income and I have a family who depend on me. Affirm created a chaos in my budget since last summer and they showed no respect on this. 

I believe that your intervention will persuade Affirm to return my money back to me.
Consumer complaint received 2023-10-06
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. (GA)

This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX  XXXX XXXX, KY XXXX ; XXXX XXXX XXXX  XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX, KY XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXXXXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX  XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$5600.00} ; XXXX  - XXXX XXXX XXXX  Balance : {$800.00} ; XXXX XXXX XXXX XXXX : {$650.00} ; XXXX XXXX XXXX XXXX XXXX Creditor Name : XXXX XXXX XXXX XXXX ) XXXX Balance : {$4500.00} ; XXXX XXXX, I ( Original Creditor Name : XXXX  XXXX XXXX XXXX Balance : {$57.00} ; XXXX XXXX XXXX ( Original Creditor Name : XXXX XXXX ) XXXX  Balance : {$720.00}.
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ProCollect, Inc. (LA)

My personal information was utilized without my explicit consent and subsequently incorporated into my credit report. The following includes the name of the inquiry, dates, and amounts. ( XXXX XXXX XXXX XX/XX/XXXX {$160XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Automobile XXXXealers ran my credit ) ( XXXX Communications {$140.00} XX/XX/XXXX XXXX XXXX Capital XXXX {$250.00} XX/XX/XXXX ) I did not authorize these institutes house my information.