davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Amsher Collection Services, Inc. (NC)

Just get notifications on XXXX XXXX app that i have collection reported on XX/XX/XXXX. But it shows that account was opened in XX/XX/year>. I don't recognize this collector plus it does not show any information about where was the balance came from loke from wich company or service. I tried to dispute the issue but have not heard anything. Honestly gotten concerns.
Consumer complaint received 2024-09-15
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (VA)

I am reporting Aidvantage for unfair and deceptive business practices. I obtained loans in XXXX for XXXX XXXX XXXX  and in XXXX for XXXX XXXX XXXX XXXX XXXX. The loans were transferred to them from XXXX who was also mishandling my student loan debt accounts. I found out the CFPB was already investigating Navient for the same issues I was experiencing with them and now Aidvantage. I believe XXXX transferred my loans to Aidvantage because they knew they were in trouble with the CFPB and were getting rid of loan accounts. The loans were transferred to Aidvantage without my knowledge or consent. These accounts have never been handled in accordance with the Fair Debt Collections Practices Act.

I requested loan forgiveness with the XXXX XXXX XXXX XXXX  on XX/XX/XXXX and advised Aidvantage. They continue to demand payment from me and are now threatening to negatively impact my credit reports. I had already applied for the Save plan and received an approval of {$0.00} payment on all loans. I continue to get the run around from Aidvantage. They eventually stated that they would put the loans in a forbearance status, which they did on XX/XX/XXXX. 

But I continue to get letters stating I owe payments on the loan accounts but Aidvantage will not provide me with any documentation to validate their ability to collect the payments. My dispute letters have been ignored and my verbal requests with their representatives to have a Supervisor call me back have been also ignored. They are now saying they're going to start reporting late payments next month in XXXX XXXX need assistance from the CFPB to ensure my consumer rights are not violated.
Consumer complaint received 2015-04-12
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: PNC Bank N.A. (NJ)

I 'm a customer of PNC Bank in XXXX NJ XXXX XXXX XXXX NJ XXXXWhen I came to the bank on XXXX I found that my joint account with my wife had been arbitrarily closed and the bank could not explain whyI have not instructed any one to close the account nor has my wifeWe found that the XXXX account was ok but our names are missing from the XXXX and XXXX statementsThey have registered a complaint number ending with the digits XXXX believe that this account has been closed in a fraudulent manner and my funds potentially stolen and need your help to fix the issueI 'm an XXXX citizenMy email is XXXXXXXXXXXX and may be contacted by phone at XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-15
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (TX)

To Whom This May Concern, This letter is a formal complaint that you are reporting completely inaccurate and misleading information on my credit report. This inaccurate information is not only stopping me from obtaining credit, it is damaging my financial well-being and seriously hurting my character. Enclosed with this letter are the details of the account in dispute, with all of my personal information to verify my identity to help expedite this process. By provisions of 15 US section 1681i of the Fair Credit Reporting Act, these items need to be investigated. Please provide me with proof of these items, specifically the contract bearing my signature. Failing that, please update the record to show as PAID IN FULL/AS AGREED or REMOVE this item from my credit report as soon as possible. This is a very serious matter affecting my everyday life. The outlined item is completely inaccurate and a very serious error in reporting. Please update this information : Account name : National credit system ( Original creditor : XXXX XXXX ) & Account Number : XXXX This account is listed as a collection/charged off account on my credit report but I have never received a 1099C for this charged off debt. Can you please provide me with a 1099C to accurately reflect this as a charge off for tax purposes and please update my credit report accordingly or delete immediately. Pursuant to 15 US section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please provide me with the description of the procedure used to determine the accuracy and completeness of the information, to be provided within 15 days of the completion of your investigation. I appreciate your prompt attention to this matter as these may seem like small reporting errors to you but they are serious offenses on my report when it is time to purchase a home for my family, a vehicle, look for a business loan or even to obtain employment. Please consider expediting this process for me. 

Thank you. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-09-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (SC)

I have no knowledge of this account and have never conducted any transactions with [ Creditor ]. I have reviewed my financial records, and there is no history of this debt in my name. I believe this may be a case of mistaken identity or inaccurate reporting
Consumer complaint received 2024-09-15
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (FL)

I bought VISA Vanilla card for {$500.00} I kept the card in my house for emergency, This month I opened the jacket of the card and try to use it at XXXX. I found that the card was compramized and {$410.00} was stolen from it. no vender or any one have the card numbers except me and the vanilla card. this mean some one inside the company compromised my card ( internal theft ). I report the information to the card and they opened a case for me # XXXX ane then I filled all the forms needed after investigation they told me that the tranaction involoved in the theft is too old to ivestigate. when I bought the card expiration date XX/XX/year> I kept the card for emergency, when I want to use it they told me there were 3 transaction by the same vender processed last year, which I have no relation to this vender which was online vender. 
I am XXXX years old and I never used any on line transaction
Consumer complaint received 2024-09-15
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: WELLS FARGO & COMPANY (KS)

We use our Wells Fargo Credit Card for our family small business. It has a {$25000.00} credit line and recently we paid it off with a payment of {$22000.00} on XXXX. Our credit card began declining all new transactions as of around XX/XX/XXXX. We made several calls to understand why and were told that the payment was larger than the normal {$5000.00} to {$10000.00} payments we typically make. Each time we were instructed to respond within an hour to an email that was to be generated to us and after 4 times of the email never coming to us, Wells Fargo said the refused to lift the ban until XX/XX/XXXX. There are no credit, fraud or any reason to clip our business credit card like this and they have had our money which was delivered from our local XXXX XXXX XXXX XXXX for over a week. We are furious that they have created a situation where all of our vendors recurring payments are now bouncing and we can not use our company credit card when there is a minimal balance and we have never ever had a credit issue with them. Today ( XX/XX/XXXX ) they officially refused helping us any further and we are just instructed to wait until XX/XX/XXXX to reuse our card. We will obviously never bank with Wells Fargo again for any reason whatsoever but do not want anyone else to suffer what we did. It is not uncommon for us to pay thousands of dollars in a month. The XXXX statement shows we paid $ XXXX and the screenshot shows our recent $ XXXX payment. Unreal how much pain this has caused us!!
Consumer complaint received 2024-09-15
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (TX)

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Subject : Request for Review and Compassionate Resolution of XXXX XXXX Account Now Owned by Jefferson Capital Systems LLC Dear Consumer Financial Protection Bureau, I am writing to seek your assistance regarding a significant issue with my credit accounts. I am a protected individual under the XXXX XXXX XXXX Act ( XXXX ), and I am dealing with financial consequences stemming from XXXX XXXX 

The account in question was originally with XXXX XXXX and is now owned by Jefferson Capital Systems LLC, located at XXXX XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX. The current amount owed on this account is {$2700.00}. 

**Background and Request for Compassion : ** During my marriage to XXXX XXXX XXXX XXXX I was subjected to severe XXXX XXXX XXXX XXXX XXXX was sentenced to XXXX XXXX in XXXX XXXX for a XXXX charge related to his attempt to use the XXXX  against me. Following his incarceration, he was placed on XXXX XXXX  of supervised probation. His association with a 1 percent biker club resulted in XXXX XXXX of me and my daughter, leading to significant XXXX. 

In addition to being XXXX XXXX and XXXX, my identity was stolen to monitor my whereabouts and impede my efforts to escape. These circumstances have had a profound impact on my financial situation. 

Given the severity of my situation and the subsequent XXXX I have endured, I respectfully request that you review this matter with compassion. I am now free from this XXXX  situation and the associated XXXX. I am seeking a resolution that will allow me to start fresh, free from the financial burden that resulted from these XXXX actions. 

**Requested Action : ** - **Consideration for Compassionate Resolution : ** Given the extenuating circumstances, I kindly request that you consider a compassionate resolution regarding the debt. This might include debt forgiveness or significant reduction of the amount owed. 
- **Account Review and Adjustment : ** Review and adjust the account to reflect the undue impact these circumstances have had on my financial situation. 

Please find attached any relevant documentation supporting my claims, including information about the XXXX and its impact on my financial situation. 

I appreciate your understanding and consideration in this matter. I am hopeful that a compassionate resolution can be reached, allowing me to rebuild my financial stability and continue moving forward from this XXXX  experience. 

Thank you for your attention and support. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NC)

I am writing to file a complaint against XXXX, XXXX, and Experian for reporting unauthorized inquiries on my credit reports and their refusal to investigate my claims. Despite multiple attempts to address these unauthorized inquiries, the credit bureaus have ignored my correspondence and failed to comply with their obligations under the Fair Credit Reporting Act ( FCRA ). This negligence has resulted in the continued presence of unauthorized inquiries on my reports, negatively impacting my credit score and financial health.
Consumer complaint received 2024-10-30
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: ALLY FINANCIAL INC. (FL)

Ally Financial sold my car ( at a profit/surplus ) after repossession XX/XX/year>2024. As stated in Uniform Commercial Code ( UCC ) Article 9, " Surplus : If the vehicle sells for more than the loan balance and repossession costs, any surplus amount should be returned to the borrower. 

Notice of Sale and Fair Market Value The lender is generally required to notify you of the sale ( often called a " Notice of Sale '' ) and must sell the car in a commercially reasonable manner. This means the lender can't just sell it at an unreasonably low price and still try to hold you accountable for a large deficiency. 

Please see UCC 9-615 for the rules on surplus and deficiency, and UCC 9-611 for notice requirements. '' Therefore I've been patiently awaiting my surplus check as the vehicle is currently selling for significantly more than what we still owed on the car after paying on it for over 6 years.

However, the check never arrived just a letter claiming the check was issued but never cashed and a request for us to contact Ally 's Accounts Payable department to verify our address. 

I returned the letter with the verified address but still haven't received the reissued check. 

So, I called today and spent over XXXX hours on the phone, was transferred 5 times to XXXX different departments ( none of them Accounts Payable ) but still was not able to get any viable information on the missing check or even the correct contact information of the department that issued the letter ( please see copy of letter attached ).
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Recently looking over my credit report, I noticed these fraudulent inquiries on my report. I do not recognize nor acknowledge these inquires and kindly asked for them to be removed.
Consumer complaint received 2024-09-15
Product: Student loan — Private student loan
Issue: Issue with income share agreement — Payment issues
Company: Stride Funding, Inc. (IL)

Subject : Dispute Regarding Income Threshold and Payment Obligation under ISA Agreement Dear CFPB, I hope this message finds you well. I am writing to formally address an issue concerning my Income Share Agreement ( ISA ) with Stride Funding. As of XX/XX/year>, I have been notified that Stride Funding believes I have reached an annual income of {$95000.00}, and as a result, is requesting repayment of the loan. However, this figure is incorrect, and I have not met the income threshold required for repayment under the terms of the ISA. 

To date, I remain unemployed and do not have the financial means to meet the payment obligation. I have already submitted documentation to Stride Funding to substantiate my current financial status, but I have not yet received a response. Despite this, I have been notified of an upcoming charge for the following month, which I am unable to pay given my circumstances. 

I kindly request that Stride Funding reviews the documentation I have provided and updates my account to reflect my actual financial situation. I appreciate your prompt attention to this matter and hope for a swift resolution to avoid any further confusion or unnecessary financial burden.
Consumer complaint received 2015-12-03
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Investment Retrievers, Inc. (NV)

I disputed this account with this company and received some stuff which provides me no evidence of when the date of last activity was. This XXXX account is very old and past the statute and this company has re aged the account because they purchased it which is violating my rights.
Consumer complaint received 2024-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Affirm Holdings, Inc (NC)

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.

Account name AFFIRM INC, Account # : XXXX has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 2024-09-15
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc. ()

XXXX. I transferred {$XXXXXXXX XXXX XXXX XXXX XXXXXXXX  ) to a Recipient 's bank account in XXXX, on XX/XX/year>, at XXXX XXXX. 
XXXX. The estimated time was given as XX/XX/year>, by XXXX XXXX XXXX. 
XXXX. The money was not received by the recipient in the given timeframe. 
XXXX. So, I contacted the customer service of the company, XXXX. 
XXXX. Customer Service XXXX, on calling 4 times, gave different answers and there was no consistency in the provided solutions. 
XXXX. XXXX agent, named XXXX, informed me that the transfer might complete in XXXX hours. 
XXXX. Another agent, named XXXX, declined to commit to that timeframe given by XXXX, and said that it might take XXXX business days. 
XXXX. I opted for XXXX XXXX, for which I have to pay higher conversion fees, in exchange for a faster remittance service. 
XXXX. But after XXXX 's comment about XXXX business days, I believe that the company has cheated me by giving false advertisements about XXXX XXXX, and taking advantage of the money transfers. 
XXXX. They also have another format of the service, which they call XXXX ' service, which takes about XXXX business days to transfer the remittance. And which has a lesser fee in exchange for a slower service. 
XXXX. So, I believe that XXXX has cheated me by providing another service format which charged higher fees, and provided not only a slower service, but also has not completed my transaction. 
XXXX. I also submitted a complaint via XXXX 's website. 
XXXX. Reference number of the transaction is XXXX.
Consumer complaint received 2015-08-26
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (FL)

I purchased a XXXX in 2006. I paid {$750.00} as down payment to the dealer. XXXX weeks later dealer called and said XXXX financing is unwilling to finance the vehicle. So I returned the vehicle to the dealer. XXXX weeks later dealer called and said they found a financier and paid {$7000.00} as down payment and purchased the vehicle. XXXX years later wells fargo dealer services bought the company and took the loan over. I was told by the original financier the {$750.00} I paid will be applied towards XXXX car loan payments. 

This has been XXXX years wells fargo claims I owe them {$750.00} annd unwilling to give my title to me. 

The XXXX division of Motorvehicles asked a copy of the title to register the car XXXX times and they have not responded to their request or my request. 

I need help in getting my title and do not make me pay a loan twice
Consumer complaint received 2024-09-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: DISCOVER BANK (GA)

I scheduled a room reservation for XXXX XXXX XXXX ( the motel was originally named XXXX XXXX XXXX, when I made the reservation it was named XXXX XXXX and when it re-opened it is now named XXXX XXXX ) and when I arrived for the stay, the motel was closed for renovation. I was never told this ahead of time. When I received my Discover statement the next month, I had a charge for the motel room, where I was Supposed to have stayed. I immediately contacted XXXX and explained the motel was closed for renovation and I was told by XXXX that it was NOT closed. I was told by my credit card company, per XXXX, that if I could provide a Cancelation notice prior to so many day prior to contacted my Discover card company and explained what happened and they checked into it. This has been going on now for the past year. I ( personally ) never cancelled the reservation, my intent was to stay at the motel. So, by this time the motel had opened back up and I contacted the motel directly and I was told that my reservation had been cancelled XX/XX/XXXX, which was well ahead of the time frame, and they sent me a copy of the cancellation. ( I am not sure who cancelled my reservation, but I was never contacted ). The motel informed me that they never received any funds for my reservation for XXXX XXXX XXXX. I returned to my Credit Card company the cancellation letter, but they still would not allow the return of the funds. I have attempted to contact XXXX numerous times by email, because this is the only way that anyone can possibly reach them. After every email, I receive a response, giving me a case # XXXX ( the last # I received ), stating the case # has been recorded and someone from there team will contact me within 7 days. I have never been contacted by XXXX. As of today I have not been reimbursed the funds, I will never use XXXX again and I advise any one else not to use them either