davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-25
Product: Prepaid card — General purpose card
Issue: Fraud or scam — 
Company: Neon Newco Corporation (TX)

I tried to send money abroad using XXXX & they would not allow me to do so. They returned my funds to my NetSpend prepaid M/C on XXXX, but NetSpend keeps giving me excuses to not put it back on my card. It has now been 10 days and they are still telling me I have to have XXXX fax to them on their letterhead a letter of cancellation of transactions, and they have done so at least 6 or 7 times, as well as keeping me updated on transmissions. They also tell me I can send them emails giving dates & times of the cancellations, which I did but they do not accept them either and I follow their instructions to a XXXX NetSpend now is giving me the same list over & over & we do what they say to do, but never acknowledges and returns my funds to my card. I was told by a friend they must be trying to scam & cheat me out of my money. I just need my money back on my card account. They have been using my money interest free for 10 days now and seem to not be too interested in releasing my funds back to me.
Consumer complaint received 2016-12-21
Product: Credit card — 
Issue: Credit determination — 
Company: DISCOVER BANK (NJ)

Discover card approved my application for credit. After mailing the credit card, they are saying that the application should have been denied due to the previous account being revoked. I made my payments on time for the previous account and Paid the account in full. The previous account was closed because of too many disputes. 
That 's what Discover told me. 
The payment verification team put a hold on my newly approved account and now, I have not even been able to use it since I opened it. 
I feel discriminated against and I am being denied credit when I am legally approved for it!
Consumer complaint received 2016-08-20
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC. (IA)

i was attending school had been XXXX but my student loan money was put into my mothers account i had to rely on her for transportation i was planning on buying a vehicle to be able to get to and from school. i had dhs involvement and troubles with daycare and informed incorrect information by government agency. i also have had a car accident that resulted in XXXX with me being the almost fatality. i was a XXXX and have alot of XXXX issues. i since have had my rights terminated to my children and i have been trying to return to school. i also have my deffered judgment in regards to my XXXX
Consumer complaint received 2015-12-02
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Westlake Services, LLC (NY)

To whom it may concernI 'm writing you today about my horrific treatment by Westlake financial services, I purchased a XXXX Mitsubishi endeavor at a dealer XXXX XXXX XXXX. in XXXX XXXX in XXXX 2015. I put done {$5000.00} on a {$7000.00} car, but for some reason Westlake just sent me a bill for over {$8000.00} not sure where they get that number from. On XXXX XXXX my car was repossessed because I was behind on payments due to me being furloughed from my job with the state of XXXX. I paid off the outstanding balance within 72 hours and wanted to get my car back. 
I was told by Westlake customer services that by paying the outstanding balance the car would be held in XXXX and would not go to auction. After I paid the balance I contacted Westlake customer services and they could n't locate the car, the car had been moved 4 times and was no longer located in XXXX State. It took Westlake customer services over a week to find the car, when they located the SUV it was in XXXX at an auction house. 
Westlake failed to send the release papers to the tow company which meant I could n't pick up the car and it took Westlake over a week or more of me calling everyday sometimes hourly for them to send the release papers. I contact Westlake customer services and got very little help and was transferred to other departments I asked to speak to a manager and was told " no '' rudely. I tried contacting their corporate headquarters and got no reply. 
The vendor/sub-contractor Westlake used to tow my car lost the plats to the car and I needed a notarized letter from Westlake stating that in order for me to get new plats for the car, Westlake customer services had me contact the towing company for the letter which they responded with no and stated that it 's not their policy to give notarized letters I then contacted Westlake again and was told someone would call me back. In addition, I found out that the SUV windows were left open and the inside now has water damage that needs to be fixed. I keep trying to contact someone in management at Westlake and all I 'm ever told is that someone will call me back which they never do. 
It 's now one month later and I still do not have the car back Westlake is demanding payment for the car but it 's in their possession. Due to this stress caused by Westlake I have miss days off from work and the stress has aggravated my medical issues. I would like to end my contract with this company as they are very unprofessional, rude, and they are predatory lenders. 
Reviews of Westlake online are negative and other people have had the same problems with Westlake as I have. Could you please help me bring a much needed resolution to this problem because Westlake will not respond to my calls or emails, my account number is XXXX. Thank youXXXX XXXX
Consumer complaint received 2018-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

XXXX, Equifax and XXXX are reporting items on my credit report that are inaccurate and past the statute of limitations. When I have asked to verify and validate the account they only say it's been validated as correct. By law, they have to prove in writing, with the Original creditor that I signed a contact and show proof of such, i.e. a voided check. They are playing stall tactics so they can be paid by debt collectors that have purchased these inaccurate accounts. The are also breaking the law by reporting HIPPA medical accounts that can only be reported by the original creditors. The hard inquiries listed on my report are inaccurate. By law, only if I authorize, can a company run my credit.
Consumer complaint received 2017-11-21
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: MoneyLion Inc. (VA)

I applied and was approved for a XXXX line of credit. This is my second time financing with company. Agreed to biweekly payment of XXXX?? Was taken out of my account fine. They then submitted a second payment for XXXX which they claim is part of their monthly service fee of XXXX. This was not properly explained to me I did not have this on my first loan with them. They have hidden in their fine print they charge a XXXXmonthly fee in addition to their biweekly payments. This is fraud and should have been out into loan docs properlybstating what payments will be
Consumer complaint received 2017-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (CA)

Between XXXX XXXX,2017 and XXXX XXXX,2017 Equifax removed XXXX XXXX XXXX collection  account and XXXX XXXX XXXX XXXX collection account. I was not notified that they would be re-adding these collections to my credit report and by them adding these collections back on, they are hindering my home buying process. They also removed all inquiries and has now readded them back on. They are in clear violation of the FCRA. They also deleted the correct spelling of my name which is XXXX XXXX, they deleted all my accounts that were reporting such as XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX. They removed the XXXX XXXX inquiriy which almost resulted in my checking & savings account being closed and they removed my correct address XXXX XXXX XXXX XXXX Last but not least I have two new accounts open which are XXXX and XXXX XXXX and I need those to not be removed as they will result in XXXX XXXX closing my accounts. I recently submitted a complaint and Equifax was very deceiving stating nothing was ever removed from my credit file but I have proof that says other wise. Once again I am asking that everything that was previously removed be re-removed and not added back or I will seek legal action.
Consumer complaint received 2017-12-02
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. (CT)

A Sears worker tricked me into applying for a credit card on XXXX XXXX 2016. I was not interested but they persisted and now it ruined my credit. I need the inquiry removed. They were not clear that it was a credit card and were very pushy.
Consumer complaint received 2016-02-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (NY)

XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX, 2015 Wells Fargo Home Mortgage XXXX XXXX XXXX XXXX XXXX, XXXX Acct # - XXXX To whom it may concern : In accordance with Federal Civil Rights Law, as stipulated by the Fair Credit Billing Act, you are obligated to comply with this lawful request for elaborated documentation for billing including charges and interest, as well as a FULL ACCOUNTING of where each bill was mailed, for the life of the account, or rescind these reports from every consumer reporting agency to which you have reported the same. 

Your expeditious and prompt handling of this matter is expected. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2016-08-20
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (DE)

XX/XX/XXXX, I received a letter from Citibank telling me that if I opened a new Citibank Checking Gold account I would receive XXXX XXXX XXXX AAdvantage bonus miles. I needed to open the account with {$50000.00} and use promo code XXXX. I was also required to make {$1000.00} in debit card purchases, and setup a bill payment for two consecutive months. 
I have met these requirements : the debit card purchase was completed on XXXX XXXX, 2016 for {$1000.00}. I made bill payments on XXXX/XXXX/2016, XXXX/XXXX/2016, XXXX/XXXX/2016 to XXXX. I had other bill payments as well, but this shows three consecutive bill pays ( exceeded the required two ). 
Upon opening my account, online, I chatted with a Citibank representative and asked why it did not ask me for my XXXX XXXX, the representative said it was not needed and that will be credited automatically when I met the requirements ( see enclosed ). 
On XXXX XXXX, 2016, I chatted with a representative at Citibank asking where my miles where because nothing had been credited to my account ( see enclosed ). The representative said they would do an investigation and it would take XXXX business days. After 4 days, on XXXX XXXX, 2016 I spoke to, XXXX, who said he did not know why I did not hear from them but he would escalate it and I would hear the next day. On XXXX XXXX, 2016 I called again, spoke to XXXX, and then I was told it would take some time longer because they were backed up. Called again XXXX XXXX, 2016, spoke to a gentleman and he said it would take 19 days to get an answer, and that no one told me it was XXXX days, even though as you can see I had this in writing. 
I called Citibank Executive offices and was transferred to XXXX at XXXX she said she had 14 days to research the problem and would get back to me. On XXXX XXXX, 2016, she called me and said that I would not be getting the miles because I was not eligible? I told her I had confirmed it on XXXX XXXX, 2016 and she said well that representative did not actually say you were getting the XXXX so you will not be getting any miles. However, as you can see from the attached transcript XXXX did say I would be credited automatically when I met the requirements. And my inquiry clearly stated it was about XXXX XXXX XXXX miles, yet XXXX says, no one ever said that. 
To date I have still not received my miles.
Consumer complaint received 2024-10-01
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Phoenix Financial Services LLC (AR)

In XXXXXXXX I received XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, for which my insurance company, XXXX XXXX ( XXXX ), settled the debt in full. This is documented with payments made by XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, for {$300.00} and on XX/XX/XXXX, for {$550.00}, as shown in the attached Explanation of Benefits ( EOBs ). 

Phoenix Financial Services ( PFS ) initially contacted me in XXXX claiming that I owed this debt. I was coerced into paying, but after investigating, I found that the debt had already been fully settled by my insurance. I contacted both my insurance company and PFS, and after presenting evidence, PFS refunded me the payment in full. 

Despite this resolution, in XXXX, PFS began contacting me again, claiming I still owed the debt, even though I have already provided proof that the debt was settled. I have attached documentation from my insurance company showing that the debt was paid in full and that no balance is owed. I believe Phoenix Financial Services is attempting to collect on a settled debt, causing undue stress and financial harassment.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (MA)

I have tried three times to complete a credit freeze with XXXX after I was notified by two of my credit card companies that my SSN was found on the dark web following the massive data breach. I attempted this twice over the phone, as advertised on their website, on XX/XX/year>, after successfully completing credit freezes with XXXX and Equifax over the phone. After entering my zip code, the auto-generated response asked for it again, then glitched and said it could not complete my request, ending the phone call. I tried again on XX/XX/year>, and again the same thing happened. I tried to use the website which I was hesitant to do since I do not have a computer currently and need to use my phone. Again, after creating a login ( providing my contact information and address ) the website informed me it could not complete my request.I am currently abroad and do not have access to the documents needed to freeze my credit via mail. I successfully froze my credit with the other two companies, but less than 8 hours later, I received 12 spam calls in 10 hours, which is extremely unusual ( typically 1-3 per week ). While this could be a coincidence, I am worried that these companies are not securing my data effectively and that by attempting to protect my identity I have unwittingly made myself more vulnerable to identity fraud.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

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.

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 XXXX 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 2016-08-12
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CONTRACT CALLERS INC (NY)

I have received four calls from XXXX, and they all follow a similar pattern. If I do not answer the calls then no message is left. On the occasions in which I have answered, there has been no response on the other end -- just silence. I have called the number back three times, and each time I was immediately directed into a generic voicemail box. There was no indication of what company was calling and for what purpose. Nothing in their contacts to me nor my attempts to contact them has indicated their purpose. The only reason that I know this number corresponds to a debt collection agency ( Contract Callers Inc ) is because of multiple online searches of the number. To my knowledge, I have never received any written communication from this company, and to this date I have no idea why they are calling me. The dates of the calls are as follows : XXXX/XXXX/16 ( unanswered ) ; XXXX/XXXX/16 ( unanswered ) ; XXXX/XXXX/16 ( answered, no response from the caller ) ; and XXXX/XXXX/16 ( answered, no response from the caller ). I have called the number on XX/XX/XXXX, and twice on XX/XX/XXXX with indication of who the company is, or why they are contacting me.
Consumer complaint received 2017-07-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (CO)

I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. Cease any credit bureau reporting until the debt has been validated by me. Please send this information to my address listed which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request.
Consumer complaint received 2024-10-10
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. (VA)

This morning, I was shocked to see inaccurate accounts on my credit report out of nowhere. I always check my report, but this time, there were issues that I just couldnt explain. I refreshed my browser hoping it was some kind of glitch, but the errors didnt go away. Im now asking for a careful review of the documents Ive provided so that I can stop feeling so anxious about this.
Consumer complaint received 2017-05-10
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A. (VA)

* Dates are estimated* In  XXXX   XXXX  I made an arrangement with   XXXX   XXXX   to pay {$2400.00} as a settlement for my Home Depot  ( Citi Bank ) credit   card.   I made  three  payment of {$400.00}.  XXXX  -  XXXX . In  XXXX  there was some confusion. My bank returned the original check but  XXXX  made a second attempt ( redeposit ) that the bank cleared. I made a total of {$1600.00} of payments.     In  XXXX   XXXX  the ACH did n't show up automatically so I tried to make a payment by phone. I was to ld Citi Ba nk had pulled the account back and they could no longer accept payments.     In  XXXX   XXXX  I was contacted by  XXXX   XXXX  and told the settlement offer of {$2400.00} would be honored but they did n't have any record of previous payments. I contacte d Citi Ba nk but never received any additional information or closure. I also made calls to  XXXX   XXXX  who said all files were sent back to  Citi B ank.     In  XXXX   XXXX  I contacted both  XXXX   XXXX  and  Citi  Bank.  XXXX   XXXX  is asking for a settlement amount of no less than {$5000.00} - greater than the original balance . Citi sa id the payments I made to  XXXX  were not applied to my account and can not verify the settlement agreement.     I have been going back and forth w ith Citi Ba nk and  XXXX   XXXX  since  XXXX   XXXX .
Consumer complaint received 2015-07-31
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Radius Global Solutions LLC (AZ)

We lived in an apartment on XXXX XXXX XXXX in XXXX AZ for nine months while we were having our new home build at XXXX XXXX XXXX XXXX in XXXX AZ, we had XXXX this whole time and had XXXX move our service to our new home .I have been paying XXXX continued paying them each and every month sence we moved into our new home. XXXX XXXX of this month I found out that XXXX has been sending a closing bill to my old address, and because I never received this bill they turned me into collections for the sum of {$110.00}. It took me XXXX ours and talking to XXXX different people on hold between each XXXX of them before I got to the basis of this problem. They admitted that this was there fault but that I would have to pay the collection agency. So I called them and paid them over the phone in full. I have called several times to get this collection closed. XXXX has been very rude to me on the phone because I have demanded an apology letter from them and to close out the collection on my credit report. XXXX XXXX XXXX
Consumer complaint received 2017-11-21
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (NJ)

I submitted an transaction on Coinbase to transfer XXXX litecoin from my coinbase account to my hardware wallet address on XXXX XXXX. It 's now 6 days later and the transaction is still pending and the transaction hash is not on the blockchain. I 've made multiple attempts to contact coinbase support to get this fixed and they 've been unresponsive no matter the avenue I try to contact them through ( coinbase support email, XXXX support email, XXXX, XXXX etc ).
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (GA)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.