davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I have a loan with XXXX XXXX XXXX XXXX XXXX. I have always made all of my payments on time. One day I decided to check my credit on XXXX when I saw an alert come up on my phone, I immediately went on my computer, and I realized that there was a late payment on my XXXX, Equifax and XXXX credit reports. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX and XXXX XXXX XXXX  XXXX with no successful resolution. XXXX, Equifax, and XXXX are all reporting me late. There was definitely an error on their part, I always made payment on my mortgage a few weeks earlier than the due date, and always on time. I was never 30 days late five times, and I was never 60 days late.
Consumer complaint received 2017-11-03
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

On XXXX XXXX, 2017, I attempted to with draw funds using debit card issued by XXXX XXXX ( which is an XXXX bank ) This was at the 'Chase Bank ' ATM situated at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX in United states . 

The ATM did not dispense the funds but debited the equivalent of {$1000.00} ( which is INR XXXX as per the currency exchange rate that day ) from my XXXX account. I asked the bank branch employees for assistance. 

They told me that XXXX ( my XXXX bank ) should open a dispute with Chase bank.. 
So I have already done that part and requested my bank to do this procedure. 

Because of cash shortage my daily activities like commuting, living expenses, etc,. have taken a hit. 

I request you to help me expedite this process and get my money credited back to my account at the earliest. 


Best, ..
Consumer complaint received 2024-01-22
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (CA)

I was billed for an optional program labeled " card security payment '' I never approved nor knew about. 
Total fees billed for the program since enrollment ( XX/XX/year> ) was {$1500.00} and I asked to refund these totals. Only {$220.00} was returned.
Consumer complaint received 2017-11-02
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Social Finance, Inc. (PA)

On XXXX/XXXX/XXXX I made a scheduled payment to my personal loan with SoFi in the amount of XXXX ( more than amount due ) for payment due on XXXX/XXXX/XXXX ( Monthly payments ). Recently SoFi has been pushing for me to set automatic payments via emails and notifications when I log into my online account. They also advertised a reduced interest rate for setting up automatic payments. Once the payment for XXXX/XXXX/XXXX cleared my checking account and my account with SoFi online reflected next payment due on XXXX/XXXX/XXXX I set up the automatic payments. Upon completing the steps for automatic payments a screen came up verifying that I would like to start auto payments effective for payment due XXXX/XXXX/XXXX. I verified that was correct and was then under the impression that my next payment would be auto drafted from my checking account with XXXX XXXX  XXXX XXXX XXXX XXXX on XXXX/XXXX/XXXX. SoFi then without my authorization deducted a payment of XXXX} on XXXX/XXXX/XXXX from my checking account with XXXX XXXX XXXX. This unauthorized deduction caused an overdraft of my checking account. My account does have overdraft protection but I was penalized a XXXX fee and I also had to stop another check that was out for that account. At no point did I authorize SoFi to deduct any form of payment from my account prior to XXXX/XXXX/XXXX. At no point did SoFi disclose that they would make such a deduction. I contacted SoFi customer service to resolve the issue twice. Each time I was told a different story as to what happened and no fair resolution was offered. I had asked politely to speak to a manager but was informed there was none available and they would call me back. No contact has been made on their end to date.
Consumer complaint received 2017-11-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aldridge PIte Haan, LLP (GA)

The law firm Aldridge Pite Haan , LLP has been assigned a debt for collection by XXXX XXXX which represents the merchant 's ongoing efforts to help the State of Florida to retaliate against me for calling attention to the federally institutionalized denial of due process for groups protected under Federal Fair Housing Laws, embodied by HUD through the absence of any provision for HUD rules to be adjudicated in Federal Court or for county judges to be required to recuse from any landlord-tenant disputes involving HUD rules within any municipalities wherein HUD Programs are not fully privatized, because of the automatic financial ties county judges have to any landlords participating in HUD Programs within those municipalities -- especially given that county judges are not actually qualified or even authorized to rule on Federal issues. Note in the attached Complaints that XXXX XXXX refused to even forward my XXXX XXXX dispute from last year to the merchant, subsequent to failing to uphold my dispute against the XXXX XXXX XXXX a few months prior, wherein I had detailed my efforts to address the aforementioned federally institutionalized denial of due process for groups protected under Federal Fair Housing Laws, instigated at the insistence of the authorities in the Southeastern portion of the country -- on behalf of Southern-based businesses, such as XXXX XXXX -- that Democracy must never amount to anything more than a subterfuge necessary to extend the influence of XXXX Oligarchy.
Consumer complaint received 2017-11-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. ()

On XXXX XXXX XXXX, I sent XXXX Bitcoins from my XXXX wallet to my XXXX wallet, with the intention of exchanging it for XXXX. The transaction showed as pending on my XXXX wallet more than a week. On their website, it was mentioned that even with high traffic o the network, the transaction should n't take more than XXXX hour. What 's worse, after awhile, the whole transaction disappeared from my XXXX wallet! It 's as if it had never happened! However, after checking the transaction hash with XXXX XXXX, it showed that the transaction had went through. 
I contacted support while my transaction was pending on XXXX XXXX XXXX. After not having gotten any replies from them, I tried several other avenues such as XXXX forum, emailing a direct person, opening support tickets on their website, all to no avail. 
More than a month later, I got a reply from support, from a person named XXXX XXXX After a few messages, XXXX conceded that he needed to work with a 'specialist ' to resolve my issue. That was XXXX XXXX XXXX. I have since contacted XXXX but there has been no response. 
I have researched their company online after this incident and it appears that I am not the only one. It appears to me as if they have taken that money for their own. A cryptocurrency exchange should n't take so long and they should return the money back to their customers.
Consumer complaint received 2024-02-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc. (PA)

Nelnet took over servicing my federal parent plus loans in the middle of the XXXX. I started paying back XXXX of the loans after my son graduated from college in XXXX. We never stopped paying during the deferment period, until Nelnet took control of the loans from Great Lakes. At that time, Nelnet was not set up to allow us to continue to make payments ( which should not have been acceptable by the department of education ) You should have been able to make payment if you wanted. My complaint is, that when my daughter graduated and I needed to start repaying my loans, I noticed my number of payments on the loans I have been paying was reset to XXXX. My older loans have smaller balances and should not require XXXX more payments to pay them off. Resetting my number of payments is adding more interest to my loans. This should be viewed as illegal. I have requested a statement from Nelnet on XX/XX/XXXX showing all payments made on the loans since the start of my repayments. The only response was sorry for delay in our response. Never an actual response. I logged into my Nelnet account on XX/XX/XXXX and my balances were wiped out. The next day, it was back to the XXXX payment. I have tried to login to my account at Great Lakes from XXXX different devices but I am getting a message that the connection is not secure and it will not let me see my information. What a disaster.
Consumer complaint received 2017-11-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TCF NATIONAL BANK (TX)

This appears to be systematic problem that would affect anyone paying off there loan, when they have a different mailing address on file, because XXXX is only mailing refunds to the property address not that of the mailing address on file. 

I had sold my house and the closing was on XXXX/XXXX/XXXX. The title company then sent the payoff funds on both my XXXX and XXXX mortgage to XXXX. XXXX was overpaid and a refund was due to me on both loans ; however, when I contacted XXXX they told me the XXXX mortgage refund was sent to the property address because I need to send a change of address. I had advised the XXXX that XXXX has my correct mailing address for many years now, because this was a rental property and a " change of address '' to XXXX was not needed. I was already getting mortgage statements, etc. from XXXX at the correct address. Then after the run around, I finally got XXXX to cancel the XXXX refund checks sent to the property address and reissue them. However, they then again sent the refunds to the property address! Again after the run around, XXXX advised they would not issue XXXX more stop pays and they wanted to wait to see if the refunds are returned to them or forwarded to me. I told them my forwarding address expired many years ago, they had my correct mailing address for many years and obviously the new owner did n't return the first checks, the XXXX set probably is n't going to be returned as well. 

I had told XXXX I was going to file a complaint, if my refund was not sent to me at the correct address and was told there was nothing they could do. Obviously this is well past the 20 days allowed to issue the refund. XXXX then continued to hold my funds at their benefit and continued to rely on their internal system, which did n't make any sense. Instead they kept telling me I needed to send them writing notice of my mailing address, but I then again reminded them it is correct in their system and has been for many years! This was a rental for 12 years, so my mailing address has not been that of the property for some time. ( It appears they only look for a newly filed change of address to send the refunds to the mailing address rather then the property address. ) This process/system needs to be investigated! 

I finally got XXXX refunds dated XXXX/XXXX/XXXX and received them in the mail shortly thereafter.
Consumer complaint received 2017-11-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (MD)

On or about XXXX/XXXX/XXXX, I received in my home mailbox a bill addressed to me from something called Jefferson Capital Systems , LLC. 

It said their " client '' was willing to accept {$950.00} on a debt I owe of {$2300.00}. 

It offered " convenient '' ways to pay various amounts via credit card or check. 

I called the toll-free number on the document. The person said he could not " access ( my ) account '' unless I gave the last four digits of my Social Security number. 

I refused and suggested to the young man that he seek honorable employment. 

What happens when these people send bills to some of the many Americans - many of them low-income - who simply pay whatever bills they receive in the mail?. 

I hope you will prosecute the people responsible for this operation to the fullest extent of the law.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

The Fair Debt Collection Practices Act ( FDCPA ) is a federal law in the United States that governs the behavior of debt collectors and protects consumers from abusive or unfair debt collection practices. Here are some key provisions of the FDCPA : 1. Communication : The FDCPA restricts the times and places debt collectors can contact consumers. They can not call before XXXX XXXX or after XXXX XXXX unless the consumer agrees otherwise. They also can not contact consumers at their workplace if they are aware that the employer prohibits such communications. 

2. Harassment and Abuse : Debt collectors are prohibited from engaging in any conduct that is meant to harass, oppress, or abuse consumers. This includes using obscene or profane language, making threats of violence, or repeatedly calling with the intent to annoy.

3. False or Misleading Representations : Debt collectors can not use deceptive or misleading practices to collect a debt. They must accurately identify themselves, the debt they are attempting to collect, and provide information about the consumer 's rights.

4. Validation of Debts : Upon request, debt collectors must provide consumers with written verification of the debt, including the amount owed and the name of the original creditor.

5. Cease and Desist : Consumers have the right to request that debt collectors stop contacting them. Once a written request is received, the debt collector can only contact the consumer to confirm they will cease communication or to notify them of legal action being taken.

FDCPA applies only to third-party debt collectors.
Consumer complaint received 2019-05-19
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: MoneyLion Inc. (CA)

I had a life/death situation this week and including loosing my job I can no longer pay any thingat this time and wont be able to till i go back to work which is hopfully soon I am sorry to say I can not afford to do this right now I also want to mention the company should have canceled this loan beforehand after i told them twice to cancel but did not listen I the company has failed to respond to last 4 emails period and i find this unprofessional they do not seem to care at all and yet i have sent emails today no response again I want this resolved in a way were it can be XXXX out balance or put on hold with out any issues this loan should have never happened in first place I also want to mention they dont tell u the convo is recording which is illegal Thank you
Consumer complaint received 2019-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

On XX/XX/XXXX, I mailed XXXX a letter requesting validation of a debt that they said I owed via certified mail for which I have proof. It is now XX/XX/XXXX, 2 months later, and they still have not answered my request for validation, and I have yet to see any results from their investigation. Per the FCRA and FDCPA debt collectors must validate the debt that they say a debtor owes within 30 days or delete it from their file, and stop reporting it as accurate to the credit bureaus.
Consumer complaint received 2024-01-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The account XXXX XXXX on my credit report was scheduled for removal after XXXX years, in line with the FCRA regulations XXXX To my concern, XXXX and XXXX have diligently followed this timeline and removed the aforementioned account in XXXX of XXXX. 

However, TransUnion has failed to align with this standard and has not taken the necessary steps to remove the account, indicating a clear violation of the FCRA. 

I urge TransUnion to rectify this discrepancy promptly by initiating the removal of the specified account from my credit report, aligning with the FCRA guidelines. 

Your immediate attention to this matter is crucial in ensuring compliance with federal regulations and preventing any further complications. I trust that TransUnion will take swift action to resolve this issue and provide confirmation of the removal within 7 days being that this is overdue. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2017-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: ATG Credit, LLC (IL)

I worked for this company for 3 months and witnessed many infractions of the FDCPA. Two of the most common : - Debtors are supposed to be notified in writing of the debt being collected on. The owner of ATG Credit decided this was too expensive, so only sent letters on certain dollar value accounts, or to clients we were able to speak to verbally. However, the debtors who were not sent letters were still pursued via skip trace and countless calls. 

- Questionable debt. There were a couple of clients we were forced to collect " debt '' on, who did not seem to be able to prove the debts were owed. These debts counted in the 1000s, contained low balances and were very old. No written letters were sent to debtors for these clients unless verbal communication was made first, and we were not allowed to open disputes on the debts for anyone who asked that be done. Instead, we were forced to close the case ( upon threat of write ups ), meaning this debt could still be collected on and resold, without the dispute ever being researched.
Consumer complaint received 2017-11-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ASTA FUNDING INC. (CA)

Palisades Collection LLC placed a wage garnishment with my employer. The debt is not mine as it originated in XXXX while I was in high school. They advised a judgment was entered in XXXX and I was served of this. Looking at the court documents I have no idea who signed to receive the documents, as I have never had a roommate. The person listed I have no idea who they are. I pulled the 54 pages of court documents and they are all over the place including filing in XXXX XXXX and XXXX XXXX. It is not on my credit report and the attorney stated : " consider yourself lucky it is not on your credit report ''. I spoke with an attorney who advised proper notice was not done and various other issues. I also shared with the creditor that when I received a letter in XXXX XXXX stating I owed them, I responded with a letter requesting proof. I sent via certified mail and confirmed with XXXX received, but they denied receiving it. I have tried to get them to remove and stop garnishment but the will not, so I am working with an attorney in the hopes of resolving. I researched the company and found the the Attorney General in New York XXXX https : XXXX ) obtain a settlement against the parent of XXXX which is XXXX XXXX, XXXX. I now have to try to hire an attorney to clear this up and stop from garnishment my check. I am a personnel XXXX for XXXX XXXX of XXXX and to have this occur is very embarrassing, to say the least. Thank you
Consumer complaint received 2017-11-02
Product: Vehicle loan or lease — Lease
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ALLY FINANCIAL INC. (TX)

In XXXX, I Co-Sign for my Son so he could qualify to Lease a XXXX Truck ... .when the Lease Term was up he decided to purchase the Truck ... .he did n't require my help anymore so I did n't have to Co-Sign for him anymore ... .I was delighted. When he started having problems with the payments I started getting phone calls from Ally. I explained to them that I was no longer a Co-signer ... they told me that I was mistaken ... .I asked for a copy of the Sales Contract. I was given a Copy years later ... I filed dispute with the three Credit Bureaus and send them a copy of my Drivers License to prove that they were dead wrong. Finally they asked to file a Police Report which I did and is hereby going to be attached. I asked if that be enough to have Ally removed from the three reporting agencies ... they said " YES ''. Well ... here we are and the Reports have not being changed.
Consumer complaint received 2024-01-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXXXXXX