davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-26
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Synergetic Communication Inc (NJ)

I paid {$5100.00} for a security system that did not work. That is the hardware In early 2023, I requested my fourth follow up visit to get the system fixed. The rep took {$800.00} from me said he would go home to get actual parts needed and never returned. This system does not work. I paid my bill in full for 6 months ahead. They actually owe me a refund and have debt collectors calling me and my family
Consumer complaint received 2024-07-26
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

Ordered 3 bags of XXXX  and an XXXX tree from XXXX XXXX  online and it never arrived and capital one charged me for it on XX/XX/XXXX after disputing it even though I had already given all the required documentation to an agent over the phone
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Consumer Adjustment Company Incorporated (TX)

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. I have no binding agreement with your company. No consent is Identity theft. I am currently pending litigation seeking relief and monetary compensation under FCRA 15 U.S. Code 1681n ( Civil liability for willful noncompliance ), 15 U.S. Code 1681o ( Civil liability for negligent noncompliance ), and 15 U.S. Code 1692k ( Civil liability ). Enclosed with this letter is the true bill documenting the violation of the following accounts. Furthermore, you failed to validate this debt. The original creditor stated that they have no record of this information. As a consumer by law this account must be deleted immediately, or I will seek monetary damages in small claims court in my city and state. Enclosed with this complaint is the true bill documenting the violation of the following account. Remove this account from my credit report : XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-26
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Halsted Financial Services, LLC. (FL)

I XXXX XXXX submitted a request to this company long time ago to cease and desist regarding a debt not owned and was paid off. However, recently I received a call and letter from them when I asked not reach out to me anymore. Proof was submitted that the account was paid off. Ill contact my lawyer if you guys dont stop and keep harassing me. Lastly, I would like this company to not report this to my credit report since that account was paid off already and the lender closed the account.
Consumer complaint received 2024-07-26
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX Mail To : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XX/XX/year> Dear Collector, Im shocked at the proof that you sent me based on my validation request. The law allows me to request validation for above account. I dont know your company, as you may be a scam artist trying to get money from people. I sent a letter to you 30 days ago asking for the following items. 
( XXXX ). Contract with my name on it. 
( XXXX ). Full accounting of this account. 
( XXXX ). Proof that you have the right to collect money from me. 
( XXXX ). Proof that you have the right to collect in my state. 
And more. 
Where is this proof? How does what you sent me prove that this account belongs to me? It does not. Your company has failed on multiple levels. Let me tell you how. 
( XXXX ). You reported a debt to the credit bureaus causing my score to go down without validating. 
Violation ( XXXX ). You failed to provide sufficient proof, yet still continuecollection activity by validating the debt above. 
Violation Would you like me to continue? DELETE THIS ACCOUNT ASAP or face complaints to the FTC, XXXX, Consumer Financial Protection Bureau, and the Attorney Generals Office. I will also be reviewing my state law to see if a bond is required and if your company is registered to collect in my state. Dont escalate this matter further over this little debt. 
Delete it at once.
Consumer complaint received 2024-07-31
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (WI)

my card comes with {$600.00} per year membership fee and includes travel benefits, however for a month I am unable to file benefit claim for trip delay because their website XXXX is not working. I have screenshots of their malfunctioning website. They emailed me form after a month of trying to file the claim and provided an email to email the claim form which needs to be emailed within 24 hours however that email is not working either. 
I spent multiple hours on the phone and today they are telling me I need to mail it which I am unable to do. 
They disabled their site an email on purpose so people give app filing claims so they don't have to pay out due to time frame deadline which I am very close to
Consumer complaint received 2023-10-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (WI)

I applied for and was approved for the new IDR SAVE program via studentloans.gov. My new payment amount was calculated to be {$480.00}. See attached status screenshot from studentloans.gov.

However, my loan servicer, Edfinancial, is not recognizing the new payment amount. According to my online account, I must pay {$780.00} by XX/XX/2023. This payment is too high. See attached screenshot from Edfinancial showing the incorrect payment amount.

After my IDR was approved by studentloans.gov, Edfinancial sent me a request via U.S. mail in the beginning of XXXX to provide them with income information. I immediately uploaded my proof of income to their website when I received the request. I do not understand why they would send this request via XXXX mail when they have my email address and I have been receiving other emails from them. I also don't know why they would need proof of income again when this was part of my IDR application. In any case, I have received no further communications from Edfinancial since uploading proof of income and the correct payment amount is not being recognized.

I have attempted to email Edfinancial about this issue and have not received a response. I have tried to call Edfinancial but the wait time is always more than one hour and I have not received a call back from Edfinancial.
Consumer complaint received 2024-07-26
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CITIBANK, N.A. (WI)

I called CITI bank to settle a XXXX XXXX XXXX credit card debt. They couldn't find the debt as it was sold to a collection agency. So I called a firm claiming to handle the debt. I was transferred to a man named XXXX at XXXX. I offered to settle to debt. I made a offer of 30 % of what they claimed I owed. He put me on hold several times He acted like he was sick. He came back twice without any counter offer and said his supervisor told him he can't settle the debt. So I am writing to you as I want to settle the debt but I can't negotiate against myself. This was a good faith effort to settle and pay this debt. I am trying to buy my XXXX home ever and I need this cleaned up in order to get the loan for the home If they won't work with me how am I suppose to move forward? I have attached the name of the companies involved in the paperwork I have been sent. Now that I have started to look for a home they are harassing me to pay this debt in full I don't fee this is fair because for the last 12 years I didn't even know this debt was hanging out there until now. I appreciate any help you can give me on this. I really want to settle the debt and move on. Thank you.
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is my second time writing you to update my personal information. 
15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXX XXXX 2. My Address : XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 
Please send an updated credit report once the changes are complete to my contact information listed.
Consumer complaint received 2024-07-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (VA)

On XX/XX/year>, I logged on to my joint account to mobile deposit a check. I saw the balance on my account had dramatically decreased since my previous log in. I discovered multiple maximum allowed XXXX transfers in a short period of time in the month of XX/XX/year>. I had no knowledge of these transfers and had not received any notification through text or email regarding them. Since this is a joint account, I consulted with my husband to see if he had any knowledge of these transfers. My husband was not enrolled in XXXX, and he had no knowledge of the named XXXX recipient or the transfers. I immediately called and notified Wells Fargo of the unauthorized XXXX 's and asked to speak to the Fraud team. Since XX/XX/XXXX was a weekend the Wells Fargo rep XXXX, took my complaint and stated that the Fraud team was not open until Monday at XXXXXXXX XXXX EST. XXXX gave me the direct number. I also asked for my account to be closed due to the fraudulent activity and a new account number be assigned to us and this was done. I took the telephone number for the fraud department and on Monday morning, XX/XX/XXXX, shortly after XXXX XXXX  I filed our complaint with the Fraud Team. XX/XX/year>, at approximately XXXX XXXX, my husband and I went into our local Wells Fargo and asked to speak to a banker that works there. She was busy with appointments, and we were told she would call us to schedule an appointment later that day. We notified her of the urgency of the matter while we were there, by letting her know there were unauthorized XXXX 's on our joint bank account. At approximately XXXX XXXX  on XX/XX/XXXX we still had not heard from her for an appointment, so my husband called the bank and asked again to schedule an appointment with her. He was able to schedule a XXXXXXXX XXXX appointment with her Tuesday XX/XX/year>. We sat down with the banker and she discovered even more XXXX transfers then what we had seen adding up XXXX. She also discovered that there was a separate account in only my husband 's name and that it had an email and telephone number that does not belong to him and that the XXXX transfers had gone to that separate account. She then asked my husband to log into the Wells Fargo Mobile App. This was the first time my husband had ever used the app. On the app there were notifications of the unauthorized XXXX transfers. This is why we had not seen them as they did not show on the joint account and the email and telephone number were not ours attached to this separate account.
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Nelnet, Inc. (PA)

On XX/XX/year> I filed the following complaint on Nelnet ( cfpb complaint XXXX ) Nelnet is continuing to be willfully non compliance to the FCRA. Nelnet is in direct violation of 1681c-2 ( a ) I filed an identity theft claim with nelnet on XX/XX/year> to which the claim has not been blocked or answered in the appropriate time frame. Nelnet not only didnt process my identity claim under 1681c-2 but they have not even processed my claim in the allowed time under 15 usc 1681i ( a ) ( 1 ) ( a ) to which they has 30 days to investigate incomplete or inaccurate information. This is the second time nelnet has not processed my claim or request ending in a violation of my right. To which on XXXX XXXX this complaint was closed and marked a duplicate complaint as XXXX, however this must be some kind mistake bc XXXX is a complaint regarding 1681a2 violation when this complaint is in regards to 1681c-2 which is two totally different issues and violations. So I am Resubmitting my grievance which the Expectation of it being processed.
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Westlake Services, LLC (TX)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. More so, they didn't follow the proper procedure in notating my dispute of the account, which is a direct violation of 15 USC 1692e ( 8 ), which makes this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights. 

I demand this company to delete this account from all XXXX credit reporting agencies and compensate me for the violations or I will have no choice but to forward this to my litigation attorney who has advised me that the fact that they didnt notate my account on my credit report as consumer disputes as a violation that I am able to sue them under.
Consumer complaint received 2023-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.
Consumer complaint received 2024-07-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

My account with XXXX XXXX XXXX XXXX, DEPT OF EDXXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX, DEPT OF EDXXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Consumer complaint received 2016-02-17
Product: Other financial service — Foreign currency exchange
Issue: Excessive fees — 
Company: Skrill USA, Inc. (LA)

I made a transaction on XXXX XXXX, 2016 on the internet to XXXX using the checkout merchant provided by them called " Skrill '' and the merchant charged my checking account twice for the transaction. The original charge to the company XXXX XXXX was XXXX equaling out to {$600.00}. The merchant then again charged my account yesterday XXXX XXXX, 2016 for {$610.00} to them ( Skrill ). I dont have any connections with them at all outside of that one transaction to XXXX on XXXX/XXXX/16. I contacted XXXX and they verified that they only charged my account once by them and that they only received one payment. They sent me the invoices and the transaction details of everything on their end and it confirms that I was only charged once by them. On my bank statement it shows that only one charge through XXXX associated with Skrill was made. I tried contacting skrill by phone and email and couldnt get any response. The phone line was automated and when i tried emailing them and they replied with sorry we dont know you you arent registered with us and that is true I am not registered with them so that is how I know I should n't be getting charged with them and they should be taking money out of my account or have my checking account credentials. I have the documents to everything I stated showing everything within the process. The charge that Skrill made on my account to them on XXXX/XXXX/16 came out of nowhere and I didnt make that charge they charge my account for it as if I had bought from XXXX XXXX again but Skrill didnt get the amount right and it was titled wrong. The real charge was stated on my bank statement was listed as XXXX XXXX XXXX XXXX XXXX which was the {$600.00} stating both the merchant ( skrill ) and the seller ( XXXX ) and now I have the other charge which wasnt made by me of {$610.00} from SKRILL XXXX XXXX XXXX and I didnt have anything to do with skrill or have an account with them for them to have my debit card information to charge. The only time my card info was used was when I was directed to the Skrill checkout for checking out on logic templates website.
Consumer complaint received 2024-07-02
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. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-07-30
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: WELLS FARGO & COMPANY (CA)

This is a follow up from case XXXX that was closed. 
Wells Fargo Bank in person meetings with managers indicated my account was closed due to XXXX being imposed on Wells Fargo Bank for a {$300.00} dollar new account. After being a customer at WF for XXXX  years with no issues. 

1. Letter indicates they are closing the account for no specific reason. Letter also indicates they have a right to close the account period. 

XXXX. In person meetings with management at branch connected me to XXXX XXXX over the phone, who indicated, the new account of {$300.00} dollars was closed due to Risks imposed. This is in fact an issue that needs to be addressed. Why did it go to XXXX XXXX to begin with? What took place that brought this decision on to my account? 

XXXX. This poses a defamation of character to me. Implications of something gone wrong. Issues in finance that I should know if it implicates me. It is impeding me from becoming employed. Negative comments in a community where I raised my kids! Can this be an attributing factor of my non employment in the XXXX XXXX? Do you know what this means? Defamation of character is against the law! I need to know what made Wells Fargo send a {$300.00} dollar account to XXXX XXXX. There are laws at the federal level as well as consumer protection laws that protect me. What is Wells Fargo filing against my family name? 

I am looking for reasons why this is the case. The letter that caused you to close the case because the company replied does not mean it was settled. The letter does not indicate XXXX XXXX but the in person communication clearly stated this is the issue. If you can please bring clarity to the decision, I will appreciate it.
Consumer complaint received 2023-11-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (TN)

I have paid all of my payments early since the beginning of XXXX. I get notifications that my payments were accepted and get confirmation. Then partial payments are being reversed. I am not getting notification. I have the funds available in my account. I end up paying and repaying the same payments because of continuous payment reversals. I call every time this happens. When I do the representatives say that they see the reversals, but they dont know what happened. I called in XXXX and the representative told me that they didnt know what happened, but theyd turn it in for investigation, and call me back last Thursday XX/XX/XXXX with an answer. I never received a call. I made another payment with yet another reversal. I called and this representative said they talked to their supervisor. When they came back to the phone they said that it was being investigated and they were sorry I was frustrated, but that was all they could do. I paid the rest of my payment early again. I check the Ed financial site, and what do you think happened? The payment was reversed. Now if it says that I have a late payment! This will go on my credit score! This is their fault. It is deceitful and fraudulent. I deserve proper management of my account when I am keeping up my end of the bargain and paying my payments back responsibly.