davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I am raising a dispute regarding the continued verification of inaccurate information on my credit report. The attached letters clearly show that the information being reported is not accurate. Despite this documentation, your agency has not made the necessary corrections and continues to report the information as accurate.

This violates the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, which mandates proper investigation and correction of disputed information. I request that you take immediate action to reinvestigate and either correct or remove the inaccurate information from my credit report.
Consumer complaint received 2024-09-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (MA)

I am writing this letter to formally dispute the validity of the debt being reported by your agency and to request immediate validation of the debt, as well as correction of inaccurate credit reporting to the credit bureaus. 

Account Information : LVNV Funding LLC Account Number : XXXX Date of Last Activity : XX/XX/2024 Amount in Dispute : {$2600.00} I have recently obtained a copy of my credit report, which revealed the presence of an account allegedly being collected by your agency. Upon careful review and analysis of the information provided, I have reason to believe that there are inaccuracies in the reporting of this debt. 

As per the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am entitled to receive validation of this debt. I kindly request that your agency provide me with the following information : 1. Verification of the debt amount claimed, including a detailed breakdown of any interest, fees, or charges applied.

2. Copies of all documents proving that I am indeed responsible for this debt, such as the signed agreement or contract with the original creditor.

3. Verification that your agency is legally authorized to collect this debt on behalf of the original creditor. 
I expect your agency to conduct a thorough investigation into the disputed debt and promptly provide me with the requested validation within 30 days of receiving this letter. If your agency fails to validate the debt or correct the inaccurate reporting within the specified timeframe, I will have no choice but to exercise my rights under the FDCPA and FCRA and pursue all available legal remedies to protect my interests. 
Please communicate with me in writing only and provide all correspondence related to this matter via certified mail with a return receipt requested. This will ensure a documented record of our communication.
Consumer complaint received 2024-09-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/XXXX, I was victim of a extortion attempt while at work and unfortunately had {$1500.00} dollars stolen from me via my XXXX account with Chase bank. In the afternoon, after I could get home and check on my family, I contacted Chase bank immediately and reported this scam. They were polite and willing to help at the time and explained they will be crediting me the money in XXXX business days to help me cover my mortgage and expenses. On XX/XX/XXXX, I recieved those funds back into my account and was relieved I could pay my bills. Yesterday on XX/XX/XXXX, my debit card was highly into the negatives because Chase took back the funds. I called them immediately and spoke with XXXX i Of their fraud claim specialists and they told me there was nothing they could do because of " inconclusive '' evidence of a scam. I asked them, then why even give the money back if this was the end results, I'm out {$1500.00} AND now owe Chase - {$350.00} because I was attempting to pay my mortgage.
Consumer complaint received 2024-09-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (TN)

The company is knowingly trying to collect on a fraudulent account. I have been disputing these fraudulent accounts since 2023. I have requested Validation of Debt, Collection Agency License, Original Contract with my signature, acknowledgement of receipt of police reports and affidavits of identity theft, detailed methods of verification all of which have been ignored. I have even provided the company with a complete printout of FCRA-605b to explain that a fraudulent account can't legally be sold or reported after proof of such has been provided, which it has.
Consumer complaint received 2024-09-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc. (AZ)

Every month I sent extra money to be apply to the principal amount but instead the company chooses to pay themselves up to 5 months ahead of scheduled and every single month i have to make a call to reverse the payments meanwhile I'm getting charge interest on a larger principal amount. in other words, they are charging me interest on my own money.
Consumer complaint received 2024-09-05
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc. (CA)

Dear Consumer Financial Protection Bureau, I am writing to formally address my ongoing issue with Nelnet regarding the failure to reissue a reimbursement check and the conflicting information provided to me throughout the process. This situation arose after the closure of the school I was attending, for which I had already made payments toward my student loans. 

Upon the schools closure, I was informed that I would receive a reimbursement check. After not receiving it, I contacted Nelnet on XX/XX/year>, and spoke to a representative named XXXX XXXX He informed me that the check had already been cashed and that the U.S. Department of the Treasury would send me a fraud package to begin an investigation. Despite this assurance, I never received the fraud package. 

When I followed up with Nelnet for more information, I was given conflicting instructions. On the second call, I was told that a replacement check would be reissued. However, I have neither received the fraud package nor the replacement check, nor have I been provided any details regarding who cashed the original check, although that information should be available. 

I firmly believe that Nelnet failed to sufficiently investigate this matter. They did not send the fraud package as promised and failed to provide tracking information for the package, which would have ensured I received it. Additionally, there has been no transparency regarding who cashed the check, a detail that should be readily accessible. 

Every time I reached out to Nelnet, my concerns were either dismissed or met with vague responses. Now I understand whybecause there was a time limit on how long I had to address this issue, which has now expired. This seems highly suspicious and feels like a calculated avoidance of responsibility. 

It is incredibly disheartening that Nelnet has treated this matter with such disregard. I am a person, not just an account number, and I have worked hard to pay off my loans. It is only right that I receive what is rightfully owed to me. 

I kindly request that my case be revisited and that appropriate actions be taken to rectify this situation, including the reissue of the reimbursement check or further investigation into the fraudulent cashing of the original check. 

Thank you for your time and attention to this matter. I look forward to your assistance in resolving this issue. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (SC)

This is a continuation of my previous [ second ] complaint against Wells Fargo Bank [ case no. XXXX ] dated XX/XX/XXXX. Wells Fargo 's response dated XX/XX/XXXX said nothing at all, and therefore was totally unresponsive to the new issues raised in that complaint. Wells simply said that it had previously addressed my earlier [ first ] complaint dated XX/XX/XXXX, and that We did not find... any no new information that would change our ( previous ) response. However, Wells response is clearly incorrect for two reasons : 1. My second complaint discussed evidence showing that the Wells account received wired funds on XX/XX/XXXX in the amount of {$47000.00} from XXXX Bank [ Victim # 1 ], and immediately thereafter on XX/XX/XXXX and XX/XX/XXXX the fraudster made withdrawals totaling {$47000.00}. As a result that account had only a small remaining balance. 

On XX/XX/XXXX Wells very quickly returned {$47000.00} to XXXX Bank AFTER the fraudster had already removed nearly all of those wired funds. That action was clearly contrary to Wells own statement in its previous [ first ] response : After a fraudster has obtained the funds, the wire transfer can not be reversed. Wells did not in any way address this contradiction and did not explain or justify the basis for its return of {$47000.00} to XXXX. 

2. My second complaint discussed evidence showing that on XX/XX/XXXX the fraudsters Wells account received a second wire of {$47000.00} from XXXX XXXX [ same Victim # 1 ] and also my wire of {$24000.00} from XXXX XXXX. 

The evidence further shows that Wells received fraud recall requests from XXXX XXXX regarding Victim # 1 's wired funds, to which it assigned XXXX case numbers ending in XXXX and XXXX. Wells also received a fraud recall request from XXXX XXXX regarding my wired funds, to which it assigned a XXXX case number ending in XXXX. XXXX XXXX has advised that its fraud recall request was sent to Wells at XXXX XXXX XXXX XXXX on Monday XX/XX/XXXX. This evidence strongly suggests that XXXX XXXX recall request was received EARLIER than either of the two recall requests from XXXX. 

Nevertheless, on XX/XX/XXXX Wells returned funds to XXXX in the amounts of {$47000.00} and {$23000.00}, which depleted all remaining funds in the fraudsters account ; and as a result nothing was returned to XXXX XXXX. This evidence strongly suggests that my {$24000.00} wired funds which were recalled earlier by XXXX XXXX were wrongfully included in the {$70000.00} that was returned to XXXX. Rather, {$24000.00} should have been returned to XXXX XXXX, and the remaining balance of only {$46000.00} should have been returned to XXXX. Wells did not in any way address or explain or justify its actions described above. 

As discussed above, Wells Fargo has completely failed to respond in a responsible manner to my second complaint, and it must be held accountable.
Consumer complaint received 2024-09-05
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (TN)

I received a letter from Synchrony Bank on XX/XX/year> stating they were changing the terms of my card. 

These terms Include new and changed items such as a promotional fee, returned payment fee, paper statement fee, and changes to calculating interest. 

The promotional fee lists two deadlines and is not clear when this goes into effect.

One deadline is XX/XX/year>, the other is XX/XX/year>. The XXXX date was long before I was ever even notified about any changes to terms or agreements. 

The balance I have with this account was advertised as promotional and with ZERO Fees or Interest, so long as payments are made regularly and on time. All payments have been made meeting that criteria. 

They are now trying to strong-arm consumers into paying ADDITIONAL and UNAGREED UPON fees. This is at minimum unethical and shady, and more likely illegal and the company should retract all these changes immediately. This will have an effect on small businesses and individuals. I am filing complaints with multiple agencies and will consider consulting a lawyer. 

I REFUSE all of these changes, including any pause, cancellation, or stoppage of my account and access to it. 

The original agreement that was made when I signed up to the account and made the promotional purchase is all I have agreed to and will not agree to any further changes that incur additional fees or costs. 

I Refuse and deny their Promotional Fees, Their Paper Statement Fees, and the changes to interest calculation on these so called fees. 

They are also trying to charge interest on top/in addition to these new fees, thus increasing the amount they will collect more so than just the direct fee itself. 

This is extremely unethical and shady, anti-consumer, and potentially illegal.
Consumer complaint received 2024-09-07
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: Credit Karma (FL)

XX/XX/scrub>XXXX XXXX XXXX  was one of the most stressful days of my life. You probably get a lot of complaints but i truly believe this one needs to seriously be looked into considering on how reputable credit karma is and how many of us Americans use it.On XXXX of this year, I had moved all of my money over to credit karma savings as they provided a high yield compared to others. I was in the process of getting a house and they were unable to provide proper documentation needed for the purchase of the home which almost cost me to lose this house. Luckily my lender was really nice and worked really hard to try to get the information needed through other venues being that credit karma was unhelpful, unprofessional and just plain did not have the tools that they're supposed to have to be able to show where funds are sourcing from. Fast forward to about two weeks later, someone had tried to hack into my credit karma account and changed its password, i was unable to see my credit karma activity at all, my email got subscription bombed which forced me to create a new email. Also had to freeze my accounts and lock my credit cards. All my money was in credit karma, i called them over 20 times over the course of 12 hours on that day and no one helped me up to this day. I got hung up on on 90 % of the calls, they werent even able to provide me with balance, transactions made ( considering that they were threatening me to close the account due to many transactions when i only made 4 and i have 6 transactions per month on that account without repercussions ), or even basic trouble shooting for the account. All they said was " you will receive a call within 5 business days with a solution '' when someone was trying to rob my account AT THAT MOMENT AND I NEEDED IMMMEADIATE ASSSISTANCE. They " froze '' the account, however i was able to withdraw all my funds from the account when thats wasnt supposed to happen. Up to this day, no one got back to me, luckily i was able to withdraw my money with my account being frozen but credit karma money needs to seriously be investigated. They are such a reputable company that literally provides ZERO assistance if your account gets hacked or even if your money is in risk of getting stolen. No money got stolen from me as luckily i got up extra early that day and was able to act quickly before this ended in tragedy. This could happen to anyone and end very bad.
Consumer complaint received 2024-09-05
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Resurgent Capital Services L.P. (MA)

XXXX XXXX Bank after anount was fully paid they still sold my information to Resurgent XXXX  to collect an already paid amount. When i cintacted XXXX XXXX they reinstated the cresit card and charged new balance
Consumer complaint received 2024-09-05
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: TrueAccord Corp. (GA)

I keep receiving excessive emails from TrueAccord Corp . I believe they are a third party collection company that works with XXXX XXXX. My information was given to them without my consent. I received lots of emails from them stating taking action on the XXXX XXXX  account. I received the following emails on XX/XX/XXXX, XXXX, XX/XX/XXXXXXXX XXXX. there are more that date all the way back to XX/XX/XXXX.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: FIRST NATIONAL BANK OF OMAHA (SC)

XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/year> I Never Applied for this account, this is unauthorized and inaccurate.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (SC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  There has been unauthorized and inaccurate INQUIRIES reporting on my credit file that I never requested and never applied for these accounts.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. 

The payment amounts and payments history is not correct. The inaccuracies are preventing me from obtaining financing.
Consumer complaint received 2024-09-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ACIMA CREDIT, LLC (TX)

I had ordered furniture from this company and when they delivered to me, the drawers were broken. They said they would come fix it and they didnt. They came and picked it up to fix it and they never delivered my furniture. They are claiming I owe them {$5200.00} for furniture they kept.
Consumer complaint received 2024-09-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Early Warning Services, LLC (CA)

On XX/XX/XXXX, I transferred {$600.00} as payment on the construction at home via Zelle. XXXX XXXX XXXX stated that as long as with valid XXXX XXXX. Money transferred but recipient claimed hasn't received it. I went to the bank & was confirmed that it was sent. Zelle claimed it was transferred. There is no contact number to call & check with Zelle to which account the money credited. Went to the bank again & was advised that the recipient needs to go to the bank & activated his Zelle. The recipient advised me that his Zelle is activated now and the money is nowhere. I want to know which account it was credited and Zelle has no customer service number or support. I can not afford to pay additional {$600.00}. Which account it was credited? Or Zelle is just a big scam where they can claimed the money was transferred and yet it wasn't? Why Zelle can't give me the account name where it can credited so I inform the recipient. Thank you.
Consumer complaint received 2024-09-05
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: SANTANDER HOLDINGS USA, INC. (CA)

Santander consumer USA auto loan Date opened XXXX XXXX balance shows XXXX Reporting this collection as open/closed on my credit report and its been past 7 years collection should have been removed from report.
Consumer complaint received 2024-09-07
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: WELLS FARGO & COMPANY (MD)

Multiple attempts to contact company from XX/XX/year> and on. Made contact and was told payments were up to date and money was deducted from my bank account. Then started receiving emails and calls. Called company back and said it was a mistake that I was current, but received calls and late fees. Now Im on a payment plan and still receiving calls. All payments are current I pay EARLY and MORE than the minimum payment agreed upon by the card company.
Consumer complaint received 2023-04-24
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-09-05
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (CO)

Coinbase has blocked and closed my account. The company claims they were protecting me because they thought I was the victim of a sim swap, but in reality I got a new phone and tried to login. After trying to log in on my new phone, Coinbase asked me to complete identity verification, which I attempted to do with my drivers license and my passport. Both attempts failed and coinbase locked me out of everything. 

I can no longer access my account and their customer support hasnt provided any help.
Consumer complaint received 2024-10-07
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. (MA)

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.