davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-25
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: I.C. System, Inc. (KY)

I have been contacted 3 times now by I.C. Systems regarding a supposed debt with XXXX. I was contacted on XX/XX/year> via text. I reached out to the company and told them I was disputing this charge as I had already addressed it with XXXX. I was told the collection would show on my credit report starting XX/XX/year>. I replied again that I was disputing the charge. 
I was contacted again today XX/XX/year> via text and I again reached out to reiterate that I was disputing the charges. I also reminded them that as the previous call was recorded ( I was told there were notes on my account to that effect ) and that I have not received anything by mail or been given any address to mail anything to, I have now responded in the same manner in which they contacted me to dispute the charge. Given that now both conversations have been recorded, they have my dispute of the charge on record and they continue to harass me and they have yet to show it as in dispute on my credit report. 
I addressed this supposed debt years ago with XXXX  directly and to my knowledge it had been resolved.
Consumer complaint received 2024-09-25
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (GA)

I graduated in XXXX, and since then I have not been able to repay my loan. I have not made enough money in retail to do so. My degree did absolutely nothing for me in the working environment. I have been forced to go into forebearance so many times I lost count. When I am approved for forebearance, Navient reports to the credit bureau that I am late or past due on my student loans, effecting my score and reputation. My total student loan balance has increased to over XXXX because of the forebearances, which is even more terrifying.
Consumer complaint received 2024-09-25
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MRS BPO, LLC (TX)

I ended service with XXXX, They claim I did not return the equipment, the equipment was returned to their store in 2023. 

I received a claim from their collection agency MRSBPO for {$270.00} I went to the store at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, the store employee told me to communicate I had returned the equipment to Corporate. 

I went to the online corporate chat, and they inquired about the history, the moving between addresses and maintaining equipment and return. They said that the scenario may have caused some internal confusion between their systems and they would get back to me within 72 hours about the missing equipment not showing marked as returned in their system. They have not responded. 

During the dispute with XXXX  - I also filed a dispute on my credit report with MRS BPO - MRS BPO filed and supposedly confirmed this as an accurate debt with both XXXX and the reporting agencies in an almost instant manner- this was completed before XXXX has ever gotten back to me or verified the debt- this would seem to be impossible as they almost " instantly '' verified the wrongfully claimed debt - seemingly not going through any verification or communication with the original creditor as the original creditor is claiming their system may have been messed up ... - not sure how they can say it is " VERIFIED '' when it is " UNDER REVIEW '' and stated as such to me by the original creditor.
Consumer complaint received 2020-05-02
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A. (UT)

We bought a dishwasher and it was broken. We called the store, they had us come in to order a new one and process the return of the old one. The manager told us the dishwasher would be picked up within 3 days, so we waited. They brought our new dishwasher and told us they werent taking the old one. So I called the general help line and spent 5 hours on the phone trying to get it resolved, the guy on the phone said the manager did not process the request correctly and he needed to reach out to the vendor to see if they would take the dishwasher, he said that someone would be calling me that day and they were scheduled to pick up the dishwasher on Monday. Well the dishwasher wasnt picked up on Monday, so I called again on Tuesday and spoke with a supervisor and he said everything would be taken care of and he would call me no later then Friday, nobody called me on Friday, so I called in and spent another 2 hours on the phone! I still have a dishwasher sitting in my living room and Ive received the bill on the dishwasher and Im afraid of getting a late charge and my credit being hit. I dont want to have to pay for 2 dishwashers.
Consumer complaint received 2024-09-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I.C. System, INC XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Dear [ I.C. System, INC ], I am writing in response to your notice of debt collection. Under the Fair Debt Collection Practices Act [ FDCPA ], I am request that you validate this debt. I request proof that it is accurate and legally enforceable. 

Please provide the following information : 1.The name and address of the original creditor.

2. The amount of the debt, including any interest, fees, or other charges.

3.Proof that you are authorized to collect this debt on behalf of the creditor.

4. A complete and itemized history of the debt, including the date of the original transaction and any payments or adjustments made since.

5.Verification that the statute of limitations for this debt has not expired. 
6. Copies of any paperwork that shows I agreed to pay what you claim I owe. 


Please note that I am disputing the validity of this debt and requesting that you cease any collection activity, including reporting to any credit bureaus, until the debt has been properly validated. 

In accordance with the FDCPA, please consider this letter as a formal dispute and request for validation. I request that you respond within 30 days of receiving this letter. 


Thank you for your attention to this matter. 

Sincerely XXXX XXXX
Consumer complaint received 2024-09-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (CA)

Here it is again cash app keep denying me my money wen my phone was stolen I was deposited my income tax check witch I never got because b done XXXX stole my phone and had access to my account my card and my money this is why I keep pushing it issue because I already v contact IRS but because it was deposited into my account they can't give me a new deposit I didn't even get my taxes because the stupid persone who stole my phone and I called right away wen my phone was stolen and they said they would close my card and secure my account t then they never did that
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ALLY FINANCIAL INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Notice and Demand for settlement of Unauthorized Inquiry on Consumer Report under 15 U.S.C. 1681n Dear [ XXXX XXXX XXXX ], I am writing to notify you of unauthorized inquiries made on my consumer credit Reporting Act [ FCRA ], specifically under 15 U.S.C. 1681n. The FCRA protects consumers from unauthorized access to their credit reports, and I have identified that you made an inquiry without my authorization or a permissible purpose under the law. 

The unauthorized inquiry occurred as follows : .Inquiry by : [ XXXX XXXX XXXX XXXX .Date of Inquiry : [ XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, any person or entity that willfully obtains a consumer report without a permissible purpose is liable for statutory damages, actual damages, punitive damages, and attorney 's fees. I demand that you immediately take the following actions : XXXX. Remove the unauthorized inquiry from my consumer credit report with all credit reporting agencies where this inquiry appears. 
XXXX. Provide me with a written statement verifying that you had no permissible purpose or authorization for accessing my credit report. 
XXXX. Settle this matter by compensating me in the amount of [ Specify Amount ] to avoid further legal action. 


I am providing you with a copy of my credit report, highlighting the unauthorized inquiry for your review. If I do not receive a satisfactory response within 30 days of receiving this letter, I will pursue legal action for damages as allowed under 15 U.S.C. 1681n, including actual damages, statutory damages of up to {$1000.00}, and punitive damages. 

Please consider this notice a formal demand for the immediate resolution of this matter. Failure to respond or provide proof of permissible purpose may result in a lawsuit being filed against your company. 

I look forward to your prompt response. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: ROBINHOOD MARKETS INC. (CA)

My robinhood account got hacked without me receiving any informations. 
After investigations from them we know it was done in XXXX XXXX, XX/XX/XXXX. They issued to the theft a debit card without my conscent or ID recognition. Then the whole amount was taken out off my account XXXX  very day, which was about XXXX XXXX 
I want my money back but they finally started declining after over 1 month of investigations and hours of phone call with me. ( i got XXXX XXXX back then received a decline for next XXXX XXXX because of missing evidence ). 
Can you help me? 

Key Points : The debit card was issued without your consent or proper ID verification. 
You did not receive any security notifications about the transactions or the creation of the debit card. 
Unauthorized access occurred outside your region ( XXXX XXXX ) on a specific date. 
They partially refunded {$25.00}, acknowledging some irregularities.
Consumer complaint received 2019-08-07
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (FL)

I signed up for a home depot consumer credit card during some home renovations, it seemed like the perfect time because that's where I was getting most of my materials from. I signed up while they where having a promotion that gave you {$100.00} for spending {$1000.00}. I spent the amount required almost immediately after getting the card information and even called in just to verified that fulfilled the requirements for the {$100.00} promotion. The company rep confirmed to me over the phone that I was all set and should receive the credit within a couple billing cycles. After 2 billings cycles past I did not receive the credit so I called in again to check on it. This is where I started receiving different information, this rep told me I did not have that promotion and that she had to submit this for review. After a long wait their back office staff reviews the case and comes up with the idea to grace me with {$25.00} credit instead of the full {$100.00}, citing that because my order ( although placed at the same time all together in the same cart ) was charged separately so counted as different orders, thus making the offer not valid. If this isn't the biggest XXXX I've heard for a company to use to try to get out of paying me the agreed upon amount I don't know what is. Their own system charged the card in that manner and they see that it was the exact time of purchase yet they are telling me that is my fault and will not honor the deal we made.
Consumer complaint received 2021-12-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Personal information incorrect
Company: JPMORGAN CHASE & CO. (ID)

After updating all credit card billing address was thought to be complete, come to find out one of my credit cards billing address information was not updated. Learning months after we had moved that the bill for that particular credit card was being sent to our old address and not being forwarded to the new one. This has caused my credit score to drop XXXX points in 60 days. They will not correct the issue ( over a {$100.00} charge ) and I've lost my XXXX credit score. Only way I found out is my credit union that I have started an account with sent me a notification. Very bummed with chase and their lack of communication with this issue! Will definitely be closing all my accounts with them.
Consumer complaint received 2020-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EOS Holdings, Inc. (NJ)

EOS CCA continuously keeps reporting invalid information on my credit report. I've been disputing the inaccuracy of this debt and it's reporting and they continue verifying false information without actually validating the debt. 

This company is acting in bad faith. I've never done business with them or XXXX. Please request that this agency provides proof that this debt actually belongs to me, by adhering to The Fair Credit Reporting Act Sections 609 and 611 and providing the original contract bearing my signature, DOB, or SSN. 

This can't be done because I've never done business with them. 

The account in question is EOS CCA- Account # XXXX.
Consumer complaint received 2016-09-09
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Can't qualify for a loan
Company: WELLS FARGO & COMPANY (GA)

I have a private student loan with Wells Fargo. I am the borrower and my Father is the co-signer on the loan and he filed Chapter XXXX Bankruptcy on XXXX XXXX, XXXX. However, I continued to make payments on the account. I tried to make a payment on-line one day but was unsuccessful. I contacted the bank but they would not talk to me. As a result, my Mother contacted the bank on XXXX/XXXX/XXXX to inquire why I could not make any payments. We discovered that they had charged-off the account. The Bank charged-off the account after the bankruptcy filing date. As a result, the bank discontinued communication with me and my Father. On XXXX/XXXX/XXXX, we spoke with XXXX XXXX, who agreed to remove the charge-off status and that the account would be suppressed until after settlement of the bankruptcy. The Bankruptcy has not been discharged. In addition, they are receiving Trustee payments. My complaint is that they have reported my account as a charge-off which has had a derogatory effect on my credit and I 'm not able to obtain additional funds for XXXX school for it appears that I 've defaulted on a student loan.
Consumer complaint received 2019-08-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (CO)

My loan was originated and serviced by TMS in XXXX of 2019 and then sold to XXXX XXXX in XXXX of 2019. I have made a payment to XXXX XXXX on XX/XX/2019 for XXXX using my bill pay from checking account and the payment was received and reflected on the account/statement. On XX/XX/2019 my loan was transferred back from XXXX XXXX to The Money Source according to an official letter that I received from XXXX. I have made a bill pay from my checking account to XXXX on XX/XX/2019 but the payment was rejected due to the transferring process, so I have made a payment to The Money Source on XX/XX/2019 after the transfer was supposed to be completed. When I called TMS to confirm the payment was received they claimed my loan was never received from XXXX and told me to make a payment to them, I had to email them letter from XXXX to onboard my own loan. Once they onboarded my loan they stated they dont have my XXXX or XXXX payment, I had sent TMS multiple documents showing that payment for XXXX was made to XXXX and that I have sent payment to TMS on XX/XX/2019 using bill pay. After 2 weeks they finally found the payment that I made on XX/XX/2019, but applied it to XXXX. I have been waiting for them to research for more than 2 weeks that I have made my payment to XXXX for XXXX. In the meantime they sent me a delinquency letter and put a mortgage late on my credit report. Both of which are erroneous. I have spoken to XXXX XXXX, XXXX, and XXXX from servicing of TMS and they are saying that the issue is being research. While they are researching the issue they are issuing false mortgage lates to credit report and delinquency letters. There is a 60-day waiting period to issue any sort of delinquency after a transfer of the loan has occurred and TMS has grossly violated my rights.
Consumer complaint received 2019-08-02
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: GreenSky, LLC (NM)

We had a XXXX representative sign us up for a loan to install windows. We were advised by this rep that the loan was 10 year loan at 6.9 % but if we were able to pay off the loan in 5 years then there would be no interest. We were given 3 days to cancel this loan through XXXX. 
It took 5 days to receive the actual loan documents in the mail from GreenSky. The documents in the loan letter stated it was a fixed rate loan of 6.99 % for ten years. There was no mention of the interest free for 5 years we were promised and the rate was also quoted to us incorrectly. 
When reading the terms of the loan from GreenSky, their terms stated we would not be charged until we provided our account number to the Merchant/Provider. This was inaccurate as XXXX had already charged us before we got the account number in the mail. 
XXXX made changes to the initial contract which lead to us choosing not to continue the transaction with them. We never made a purchase with this company but they still billed our GreenSky account. 
We contacted GreenSky to advise them of the inaccurate information provided and the services not rendered and they stated we needed to pay the amount owed on the account. 
We believe there are several violations that have occurred with this transaction. We were quoted a wrong interest and promised interest free when this was not the case. Since GreenSky allowed XXXX to represent their loan in this inaccurate manner, GreenSky should be held responsible for allowing the misrepresentation. Since we never received the product, there should be no issue with GreenSky canceling the account.
Consumer complaint received 2020-05-02
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (WA)

I have multiple accounts with Wells Fargo and I have discovered that they have been removing the interest from my account 's. They have been doing this for a few years but I never noticed because it was a very small amount ( 1 or 2 cents ) but now that I have more money with wells fargo these interest payments are upwards of XXXX dollars a month. I have tried contacting them several times and I get the round around. They tell me that the " executive office '' has to resolve this and no one that I can get a hold of can help me. I did receive one call from the " executive office '' and they told me that I signed a paper authorizing wells fargo to remove the interest from my account back in 2011. 
This does not make sense to me and I'm afraid this is an illegal activity and they are using a phony excuse that I singed some paper way back when. I have asked them to stop taking the interest out of my account but to no avail
Consumer complaint received 2020-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A. (GA)

My personal information was used without my knowledge and because of several phone calls from creditors that did not belong to me, that prompted me to check my credit. According to XXXX and XXXX XXXX my personal information was exposed in both of their data breaches. XXXX, then confirmed that I was one of the individuals whose data was exposed twice this year alone. To date, I have noticed that there are several inquiries and credit accounts that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC and a police report. The FTC Identity Theft Report number is XXXX
Consumer complaint received 2024-09-25
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (IL)

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transworld System XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Final Request for Removal of Inaccurate Collection Account Account # XXXX To Whom It May Concern, I am writing to follow up on my previous disputes regarding the collection account listed on my credit report under the account # XXXX. Despite my initial dispute and follow-up request for verification, this inaccurate collection account remains on my credit report. There is no verification that I owe the debt. I would like for you guys to provide a verification of my wet signature to be sure I owe that debt. 
I have provided evidence that the collection agency did not validate the debt, as required under the Fair Debt Collection Practices Act ( FDCPA ) 809 ( a ). According to the Fair Credit Reporting Act ( FCRA ) 611 ( a ), only accurate and verifiable information should be reported on my credit file.

Since the collection agency failed to provide validation and my previous requests for verification have been ignored, this account should not appear on my credit report. This is my final request for the removal of this account. If you do not remove it, I will be forced to escalate this issue by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and considering legal action for non-compliance with the FCRA. 
Please remove this collection account from my credit report immediately and provide written confirmation of this action. Under FCRA 611 ( a ) ( 5 ) ( A ), if the information can not be verified, it must be deleted from my credit file. 
Thank you for your immediate attention to this matter. I expect a response within the 30-day period allowed by law. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-09-25
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: GOLDMAN SACHS BANK USA (MD)

I invested {$3000.00} into an e-commerce course, believing it would provide me with everything I needed to build a successful online business. At first, they made it sound like a complete packagepromising step-by-step guidance, mentoring, and all the tools necessary to get started. However, once I got into a XXXX  call with them, it quickly became clear that things werent as they had initially advertised. 

Instead of delivering on their promises, they started pushing me to pay even more money for additional resources that were supposedly necessary for success. Every step forward came with another demand for more cash. It felt like they had scammed me, trapping me into an endless cycle of upsells. What I thought was a straightforward investment turned out to be a shady scheme.