davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-05
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Kikoff Inc. (FL)

Kikoff was a lender I partnered with. I was very pleased with there services. i made a error by deleting the subscription. My intentions were to pause the subcription. When I found out what happened. I applied and was denied. I explained to kikoff but got no help in getting access to the platform. All I want is to be able to use the services.
Consumer complaint received 2024-03-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Affirm Holdings, Inc (CO)

Dear Sir/Madam, Re : Dispute Regarding Account ; Affirm forwarded to XXXX XXXX XXXX [ Loan ID : XXXX ] I am writing to express my extreme dissatisfaction with the handling of my ongoing dispute regarding the account referenced above. Despite my persistent efforts and numerous attempts to rectify this matter since XXXX, it appears that XXXX has continuously failed to appropriately address the issue. 
It has come to my attention, yet again, that this dispute remains unresolved despite assurances from XXXX to the contrary. Upon contacting Affirm on XX/XX/XXXX, I was informed that my account had been forwarded to a third-party collection agency, namely XXXX XXXX XXXX XXXX XXXX a loan ID of XXXX. This revelation, unbeknownst to me until recently, underscores a severe deficiency in XXXX 's due diligence process. 
Despite my persistent attempts to communicate my concerns, XXXX has consistently maintained that this matter has been resolved. However, the evident involvement of a third-party collection agency suggests otherwise. It is deeply concerning that XXXX has failed to uncover this critical information during the dispute resolution process, leading to significant distress and frustration on my part. 
I must emphasize that this oversight has had tangible consequences on my financial standing, as evidenced by the adverse impact on my credit report. The presence of this erroneous information has undoubtedly hindered my ability to secure favorable interest rates and access credit facilities. 
Therefore, I demand immediate action to rectify this situation. XXXX must conduct a thorough investigation into the handling of my dispute and provide a comprehensive explanation for the persistent inaccuracies in my credit report. Furthermore, I expect XXXX to take swift measures to correct the erroneous information and ensure that my credit profile accurately reflects my financial status. 
I trust that XXXX will treat this matter with the utmost urgency and provide a prompt resolution. Failure to do so will leave me with no choice but to escalate this issue through appropriate regulatory channels. 
Please acknowledge receipt of this letter at your earliest convenience. 
Yours respectfully, XXXX XXXX XXXX
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Subject : Urgent Removal Request for Inaccurate Items on Credit Report Dear Sir/Madam, I am writing to urgently request the immediate removal of XXXX inaccurate items from my credit report provided by XXXX. Upon reviewing my credit report, I have identified XXXX discrepancies that require immediate attention and correction. I demand the prompt removal of the following inaccuracies : XXXX. Charge-off : [ Provide details of the charge-off, including the account number, date of charge-off, and amount ]. 
XXXX. Late Payment : [ Specify the late payment instance ( s ), including dates and account details ]. XXXX. Settlement : [ Detail the settlement and any discrepancies related to it ].

XXXX. Inquiries : [ List any unauthorized or incorrect inquiries ].

XXXX. Repossession : [ Provide details of the repossession, including date and account information ]. XXXX. XXXX XXXX Issues : [ Detail any issues related to XXXX XXXX accounts ].

These inaccuracies not only misrepresent my XXXX but also violate the Fair Credit Reporting Act ( FCRA ) guidelines. As such, I demand their immediate removal to prevent further harm to my XXXX profile. 
I remind XXXX of its obligation under the FCRA to ensure the accuracy and integrity of credit reports. Failure to promptly remove these inaccuracies may result in XXXX action. 
I expect immediate action on this matter and request confirmation of the removal of the disputed items once the necessary corrections have been made. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-03-01
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC. (NJ)

1. I saw an email in my junk box from Citizen 's Bank stating that my personal money market account is negative on XX/XX/XXXX. 
2. I don't have a Citizen 's account, but I have an Investor 's Bank account. 
3. I realised that Citizen 's Bank had acquired Investor 's Bank, and converted my savings account in Investor 's Bank into a personal Money Market account in Citizen 's Bank. 
4. Citizen 's Bank then proceeded to deduct {$10.00} fee per month from my account until it is XXXX before sending a note. 
5. I called them to refund all the fees that they deducted without my approval. 
6. They noted that they are unable to, but managed to refund a portion as a courtesy. 
7. They took a total of {$80.00}, resulting in my account having a balance of - {$17.00}. 
8. When my Investor 's Bank Account was moved over to Citizen 's Bank, it had {$62.00} 9. My account should have been moved to a similar account type with no fees, but Citizen 's Bank converted my no-fee account with Investors Bank into one with fees at Citizen 's Bank XXXX 
10. All of this was done without my knowledge or approval.
Consumer complaint received 2024-03-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: SAN DIEGO COUNTY CREDIT UNION (CA)

Around XXXX, XXXX, I fell victim to a multi-layered scam operation run by XXXX with the domain XXXX which involved me making deposits for a total amount of XXXX USD from my SDCCU account to a fraudulent investment firm. 
Reporting this to SDCCU on XX/XX/XXXX. On XX/XX/XXXX, SDCCU wrote in a message : On the wire form you completed and signed, you are listed as a beneficiary of the funds ... To date there have been no reports of fraud, or disputes filed by you on the account for any transaction ... ''
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: All Debt Solutions Inc. dba: 1st Class Agency (OH)

In accordance with the fair credit reporting act these creditors have violated my privacy rights.under 15 USC 1681 ( 2 ) I have a right to privacy. It states a consumer reporting agency can not furnish a account without my written consent. Under 15 USC 1666 ( B ) a creditor may not treat a payment on a credit card late for any purpose.
Consumer complaint received 2024-02-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of America Ltd. (TX)

Their fraudulent information on my credit report is as follows : 1. File # XXXX 2. XXXX XXXX XXXX XXXX 3. XXXX XXXX 4. Opened XX/XX/XXXX 5. Balance of {$400.00} 6. Last reported on my credit report was XX/XX/XXXX ( first time with 2 agencies ) 7. No information on the 'type ' of account 8. Showing an 'open ' status after being in collection status from the beginning I requested an fraud investigation with the company and all 3 credit reporting agencies. They do not have a correct address for my home. They show no payments for XXXX yrs XXXX mos, but only collections status for each month. They make a false claim that it's from a water delivery company of which I have no knowledge. There are no signed documents for their services, nor any consent from me.
Consumer complaint received 2024-02-29
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIZENS FINANCIAL GROUP, INC. (FL)

I have a credit card for a number of years and payment is ALWAYS up to date. 
On XX/XX/XXXX I received a text to XXXX XXXX XXXX suggesting that my Bank Account with Citizens bank was in defaultThis message is intended for XXXX XXXX. Citizens has an important update about your account ending in XXXX. If this is XXXX XXXX, reply YES for more information. Reply HELP for help or STOP to cancel additional alerts. 
help For assistance, please call Citizens Bank at XXXX. Text STOP to cancel additional text alerts for this request. 
bogus call since I have no checking account with Citizens only a credit card payment due XXXX of XXXX Your reply wasn't recognized. Valid options are : YES, HELP or STOP stop You have cancelled additional text alerts for this call back request to this phone number. To continue receiving alerts reply RESUME. For help call XXXX. 
XXXX For no reason the card was invalid when I used yesterday. 
Was this a ruse to suggesting I have a checking account with Citizens that I have never had and payment is made through XXXX.
Consumer complaint received 2024-02-27
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Paradigm Assets, LLC (MI)

Paradigm Asset Recovery LLC violated the FCRA and I intend apon seeking a Public Right of action against them. They entered XXXX my private property affixing a fraudulent Court documents in plainview for all of my neighbors to see as well as my children stating they had obtained from the XXXX XXXX courthouse a judges signature with a Order Regarding Alternative Service that proof was swore to by a XXXX XXXX a representative of XXXX XXXX XXXXXXXX XXXX  at the bequest of Paradigm Asset Recovery under penalty of perjury stating its contents were true! I went to the courthouse and have copies of said fraudulent documents that WERE INDEED NOT SIGNED BY THE JUDGE ORDERING ALTERNATIVE SERVICE but quite the CONTRARY the motion was DENIED! Paradigm Asset Recovery and its attorneys then took their fraudulent document they affixed on my private property and filed a Proof of SERVICE! All of which is completely illegal! I am now waiting for the judgment they fraudulent obtained through the courts with their illegal actions to file a personal injury suit! Not to mention I deny all knowledge of the debt they were even trying to collect! AND THE SIX YEAR STATUE OF LIMITATIONS TO COLLECT A DEBT IN THE STATE OF MICHIGAN HAS EXPIRED per the XXXX report I obtained and had this FRAUD against me had not occurred a judgement ( which im assuming they received ) would not of been possible! I deny any and all knowledge of said debt and your actions are unscrupulous your tactics deplorable and you behavior irreplaceable damange has occurred on the part of Paradigm and its attorneys!
Consumer complaint received 2024-02-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (NY)

More than {$5000.00} was taken out of my checking account in about 7-8 minutes around XXXX XXXX  on XX/XX/XXXX, across three transactions. This is despite the fact that I have created security alerts for transactions that exceed {$120.00}. Normally, I would get a text asking me to verify any transaction larger than {$120.00} and the transaction wouldn't be approved unless it was authorised. It did not happen in this instance. Two of the transactions reversed themselves almost immediately, but one, worth {$2400.00}, went into " pending '' status and the money was taken from my bank account. I called Chase to report the fraudulent charge on XX/XX/XXXX, the card was cancelled, and Chase told me the money would be returned to me within 1-2 business days. It has been more than 2 business days, the money still hasn't been returned, and Chase has not been able to explain the security lapses. Instead, I have been given a runaround between 3/4 departments, and I get a different explanation each time I asked someone to explain to me when the money will be returned. And no one has been able to tell me why the security alerts did not work. Not once did Chase contact me to explain why this happened.
Consumer complaint received 2024-02-23
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Palmar, Inc. (CA)

This company has added fraudulent dates to my credit report, permanently damaging my score and ability to find housing. The charge that they say I owe them has already been removed from my report years ago and had it not been it would be mere months away from the 7 year drop off point but they illegally changed the date the account opened to XX/XX/year>, meaning I will either have to pay this or wait ANOTHER SEVEN YEARS!
Consumer complaint received 2024-08-27
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. (NJ)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2024-02-24
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: Experian Information Solutions Inc. (NJ)

Experian has been erroneously including my XXXX Bank HELOC account balance in the calculation for credit utilization rate. Experian previously performed the same erroneous calculation, which took several months and many hours on my behalf to correct. Several months following the correction, Experian once again included the HELOC  balance in the calculation. I have provided documentation XXXX times that shows the XXXX Bank account is a HELOC  and not sure why making the correction is so difficult. Experian decreased my credit score XXXX points by including the HELOC  into the calculation. 

As an indication as to the difficulties dealing with Experian, when I was finally able to speak live with someone, they had no idea of a HELOC and informed me that they did not see any company with the name HELOC on my credit report with an outstanding balance. A second indication of the difficulties is reviewing the updates on this website. As of XX/XX/2024, Experian reported to CFPB that the dispute is still under investigation. I received a notification that the investigation has been completed, XX/XX/2024, and updates made. I am not sure what type of updates were made but they are not correct. The HELOC balance that had been included with the credit utilization rate is approximately {$50000.00}. This balance of {$50000.00} now is listed as {$0.00} and my credit score should have immediately increased, if properly corrected. Instead, what occurred is the {$50000.00} balance had been paid in full representing a {$0.00} balance and rather than my credit score increasing, Experian reduced by credit score by XXXX points. 

There is no doubt that whatever updates were made by Experian, were totally mismanaged and incorrect. I take pride in maintaining a credit score within the XXXX range but it is very difficult when the company in charge and control of such score continually makes errors for non complex matters, then refuses to clean up the mess they created. Each time I try and determine exactly what occurred, I am only bombarded with messages that the information can only be obtained by upgrading and paying a fee. So, Experian creates to problem, reduces my credit score substantially, refuses to correct my credit score and attempts to charge me for information. Seems like a pretty good business plan to increase revenue.
Consumer complaint received 2024-02-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (GA)

My student loans were transferred to Mohela when XXXX XXXX ended their contract with the government in XX/XX/XXXX. My problems with Mohela started in XXXX when payments were supposed to resume. I applied for the SAVE repayment plan in XX/XX/XXXX, and the US Dept of Education said I qualified for the SAVE plan for all my loans. Mohela placed me in an administrative forbearance for XXXX  months ( XX/XX/XXXX - XX/XX/XXXX ) and continued to charge me interest. In fact, they charged me a higher interest rate than they should have. In XXXX, I applied for, and they approved, my auto debit application, but they did not apply the .25 % discount on the interest rate because my loans were still in administrative forbearance. When I called Mohela to ask about why I was still in forbearance, I waited for an hour to talk to a customer service representative, and she seemed helpful. She said she was sending my case to a specialist, and they would be in touch with me to figure out why my SAVE application and recalculation of my payment was still pending. I never heard from anyone. 

In XX/XX/XXXX, they managed to put me on the SAVE plan, for XXXX of my XXXX loans. That month, they auto-debited my payment for those XXXX loans, and finally the auto-debit discount kicked in. 

For the other XXXX loans, in XX/XX/XXXX, they put them on a standard repayment plan, even though, according to the US Dept of Education, I qualify for the SAVE plan. When I called Mohela to find out why these XXXX loans were not on the SAVE plan, I waited on hold for an hour. Not only that, the customer service rep comes back on every XXXX minutes to make sure I want to stay on hold. It is torture. She couldn't actually do anything, but is hired by this company to ask me every XXXX minutes whether I want to stay on hold to talk to a mythical someone who could actually help me. It's XXXX. I gave up. 

In addition to getting nowhere with telephone customer service, the messaging system within their website is worthless. I have sent multiple messages about my issues, and each time about a month after I send the message, I get a " we have received your message '' message. Never a solution or answer, only acknowledgement of receival.

I have made multiple complaints to the US Dept of Education about all of this. Their response is always " we've forwarded your complaint to your loan servicer and they will handle it. '' No one handles anything. No one is clear about information or the process.

Most recently, I asked the US Dept of Education how and when the interest subsidy for the SAVE program will be applied. For the SAVE plan, any interest not covered by your monthly payment is supposed to be covered by the government. I have not received any subsidy. The US Dept of Education 's response? Mohela will handle it. Mohela hasn't handled it.
Consumer complaint received 2024-02-26
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (FL)

I am being billed by Citibank/Wayfair for items which had been promptly returned. They also have tried to ruin my credit rating by daily submission of reports under different logos of theirs to credit agencies that II owe them money to bring down my credit rating. My rating It was always in the middle XXXX 's, as I always paid my bills on time, & now is in the XXXX 's because of only their daily false charges. They had removed some these charges but still are reporting this & billing me for items that were returned. I believe they were parts of items on their invoice XXXX. 

I am XXXX and my husband has just passed away & I really need your help in resolving this matter. The items ordered had to be canceled because I had go out of town on an emergency last XXXX. The items that were delivered & returned before I left were not opened as I did not know whether they were the parts of either a bed or dresser & could not be there to receive the rest of the order. I returned them via XXXX  # XXXX, XXXX & XXXX.
Consumer complaint received 2024-02-23
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (MA)

Provide a description of the incident and how you were victimized.Provide information not captured elsewhere in this complaint form. 
On XX/XX/2023 the following charges were posted to my American Express Corporate Card account : XXXX XXXXXXXX : $ XXXX XXXX XXXX {$120000.00} XXXX XXXXXXXX XXXX $ XXXX XXXX : XXXX XXXX XXXX : $ XXXX XXXX : $ XXXX XXXX : $ XXXX XXXX XXXX $ XXXX XXXX : XXXX XXXX XXXX : $ XXXX XXXX : $ XXXX XXXX : $ XXXX XXXX XXXX XXXX XXXXThese are fraudulent charges that I recognized the morning of XX/XX/2023. On XX/XX/2023 I contacted the American Express fraud department and explained the situation that my card was compromised and that these charges were not initiated by me. After validating my account information American Express closed my account and issued me a new card.On XX/XX/2023 American Express credited my account {$31000.00}, which is the sum total of the above charges.On XX/XX/2023 American Express reversed the credit and assessed my account {>= $1,000,000}, making me personally responsible for charges I did not initiate or authorize.On XX/XX/2023 I contacted American Express and told them that I was filing an internet crime report and affidavit.