davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-01
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (FL)

Further Request to Cease Collection Efforts and Remove Debt from Credit Reports This is in response to your recent communication regarding the debt you allege I owe. After reviewing your response and the supporting documents, I have significant concerns about your compliance with federal laws, particularly the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I believe that your continued attempts to collect this debt and report it to the credit bureaus may violate both of these laws.

Here are the specific issues : 1. Debt Validation Not Sufficient Under the FDCPA, 15 U.S.C. 1692g, you are required to provide competent validation of the debt. The documents provided in your response do not adequately demonstrate my legal obligation to pay Columbia Debt Recovery. Specifically, the validation lacks key elements, such as a written contract or agreement directly between myself and Columbia Debt Recovery or the original creditor. Therefore, you have not established the legal right to collect this debt. 
2. Violation of the Fair Credit Reporting Act ( FCRA ) If you are continuing to report this debt to the credit bureaus without proper validation, this may constitute a violation of the FCRA. Reporting unverifiable information to the credit bureaus can be considered illegal under this act, and I request that any negative reporting associated with this alleged debt be immediately removed from my credit reports.

3. Cease Collection Requests I have previously requested that all collection activity related to this alleged debt cease until proper validation is provided. Despite this, you continue to engage in collection activity, which is in direct violation of my rights under the FDCPA. I demand that you cease all collection efforts immediately.

Attached is the original Cease and Desist and Debt Validation and Verification I sent that you failed to properly answer.
Consumer complaint received 2024-09-27
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (NV)

I opened a loan with Navient on XX/XX/year> amount of XXXX with a co- signer. The co-signer is deceased. 

The processing fees were extremely high-totals {$420.00} on the same day of XX/XX/year>. They also reported a late fee in XXXX In which I wasnt. It shows in the records. 

They practiced Predatory lending- It took 16 years to pay off {$4500.00}. My payments varied $ XXXX monthly. I estimated {$13000.00} in what I paid. 

I remember in XXXX  calling and asking for a forbearance or payment plan. I was told by a rep that Private loans do not offer such. 

I also complain about the staff that set up over a 16 year period of repayment. They told me the XXXX that set up this payment plan was fired but they did nothing to rectify my situation. 

However- I recently paid off this loan but asking if I could be refunded at least {$4500.00} since I paid Navient twice. 

Respectfully, XXXX XXXX
Consumer complaint received 2024-09-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (TX)

I tried to make an international wire transfer online XX/XX/year>, I got my credential verified then the transaction is rejected and my online account was closed. I called their security agent, they got my triple verified and told me, it is ok to make the transfer after 30 minutes. I did another one 4 hours later and again the transfer is rejected and my account was feezed. I called them again and they remove the freeze of my account and asked me to go to a branch to make the wire transfer, I went to their branch and go the transfer done without any problem. The thing is the fee for online transfer is {$40.00} and at bank they charged me {$50.00}. They did this got no merit to verify my identity. They did it only for charge me {$10.00} more fee.
Consumer complaint received 2024-09-28
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (TX)

You can't get a live person, only a recorded version of FAQ and the ONLY answer provided is : " You may use your American Express Gift at retailers and Online merchants who accept American Express Gift Cards. '' I have researched this for hours and NO PLACE accepts them. I even tried using it with my XXXX account and got declined, yet .XXXX  was deducted from my prepaid balance of {$150.00}
Consumer complaint received 2024-09-27
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: GOLDMAN SACHS BANK USA (CA)

I made a purchase for a lifetime XXXX membership on the website XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for {$100.00}. At the time of the purchase, the website was relatively new, and the lifetime membership was part of their offering. However, within a week of my purchase, the company changed their membership criteria, introducing a monthly and yearly subscription model. My account was subsequently downgraded from XXXX to a free tier without my consent or any prior notification. 

I immediately reached out to cohesive.so to inquire about the downgrade and to request either a refund or reinstatement of my XXXX membership. Despite several attempts to contact the company, I have not received any response. 

After receiving no assistance from the company, I filed a dispute with XXXX, through whom I had made the purchase. Over the past year, I have spent countless hours speaking with XXXX customer service representatives and supervisors. Each time, I was asked to provide documentation, which I did, including screenshots showing the downgrade of my account. 

Despite providing evidence, XXXX has consistently reversed the dispute after XXXX months without giving me any explanation or supporting documentation from the merchant. As of now, the {$100.00} charge remains, and I have not been given any refund or resolution. 

I am seeking a full refund of {$100.00} due to the fact that the service I paid for was downgraded to a free version without my knowledge or consent shortly after purchase. 

**Desired Resolution : ** I request a full refund of {$100.00} or reinstatement of the lifetime XXXX membership as originally purchased. 

-
Consumer complaint received 2024-09-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (GA)

I opened a new account with Chime. I deposited {$50.00}. I used a virtual debit card on the account to order food one time. Later I tried to connect my XXXX XXXX to the account to move the remainder of the money ( only {$13.00} ). Chime wouldn't allow the transaction. I called the bank, I verified my passport, driver license, address, phone number, I received one-time codes, I verified my SSN, I verified transactions on the account along with some other information. I was told that there was nothing that could be done and hung up on. I spoke with Chime following this at least 15 more times. I followed this whole process 15 more times. They tell me every time that there is nothing else that can be done. So, Chime just keeps my money and here I am. This has wasted countless hours of my time and created a substantial amount of frustration. I have begun the process of a civil lawsuit that I plan to see through just FYI. XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-09-26
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: GOLDMAN SACHS BANK USA (CT)

Multiple online inquiries, emails, phone calls, and letters sent to Goldman Sachs as well as speaking with Apple directly. Dates include ; XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, and XX/XX/year>. The initial overcharge amount was {$160.00} with subsequent interest charged on this amount. Goldman Sachs did give me a credit of {$130.00} ( plus credit for some of the interest charged ) leaving overcharged balance of {$30.00}. I called Goldman Sachs and Apple XXXX on XX/XX/year> and was given a a credit of {$30.00} that was reversed on XX/XX/year> with no explanation. Today, XX/XX/year>, I paid the remain balance I owed on the credit card less the {$30.00} overcharge. Today, I used Goldman Sachs online dispute to challenge the reversal of {$30.00} stating that they have the original Apple XXXX showing authorized charges, and their computer system shows all payments made to-date show the total authorized charges are paid in full, however their computer systems continues to show the remaining overcharge balance of {$30.00}. I have again asked them to correct their mistake and advised them that I was reporting them to both the federal and XXXX  state banking regulators for fraudulent activities.
Consumer complaint received 2023-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX  XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX Balance : {$0.00} ; Chapter XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2024-09-26
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Synovus Bank (WA)

I am filing this complaint regarding an inaccurate late payment mark that was placed on my credit report by First Progress. The payment was not truly late, and I was never notified that the company intended to report it as such, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ). 

**Background : ** 1. **Inaccurate Late Payment : ** I dispute the late payment reported by First Progress on my credit report. The payment in question was not late, and I have records to demonstrate that I made the payment within the agreed-upon time frame. 

2. **Lack of Proper Notification : ** According to the FCRA XXXX companies are required to notify consumers if they intend to report negative information, such as a late payment, to credit bureaus. I never received any such notification from First Progress. This failure to notify me is a clear violation of the FCRA and has resulted in unjust damage to my credit report.
Consumer complaint received 2024-09-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (CT)

In XX/XX/year>, I opened an account in the Chime app for the purposes of their advertisement : " refund overdraft bank fees ''. I submitted my XXXX XXXX checking account info into the Chime app and waited several months for my refunds. Chime advertised XXXX days as the waiting period for refunds. 

I believe it was about 6 months later that Chime responded in their app and via email that they were unable to retrieve my overdraft bank fees from XXXX XXXX. These fees should have been approximately {$1500.00}. I believe Chime stole my fees that were rightfully mine and deprived me from my refunds. Chime failed to provide me with timely consumer info and bank overdraft refunds from XXXX Bank. 

I reached out to them severally times via email and over the app. Their customer service was horrible and then I realized the whole app was running as a bot. 

It appeared that a bot stole my money.
Consumer complaint received 2024-09-26
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Bankruptcy
Company: Maximus Federal Services, Inc. (OK)

I filed a XXXX XXXX XXXX  in 2014 and it was XXXX in XX/XX/year> case number XXXX. I contacted US Department of Education and sent them copies per email and mail. They still took my federal income taxes afterwards and have not removed this from my credit report. The company is still contacting me regarding the XXXX loans stating I was supposed to file a different Bankruptcy. It's noted in my discharg summary and I'm asking the company to refund my money, remove from credit report, take it out of default, and stop harassing me for more funds.
Consumer complaint received 2024-09-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SOFI TECHNOLOGIES, INC. (CO)

I noticed fraud on my account on XX/XX/year> and contacted my bank to cancel my card. Every day after that the charges continued to clear through and new charges were allowed. I spoke to them every day since then. I requested my account to be frozen because of the charges. Now, they are denying all disputes and will not help me when I call in. They allowed over {$1500.00} to be taken and when I call, I get told to wait for email and I can not speak to supervisor or dispute team dirctly.
Consumer complaint received 2024-09-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (SD)

On XXXX XXXX Sloan Servicing set a letter stating they are Re-Disclosing my student loan. They claim my term was for XXXX  months, which is not true at all. My original consolidation agreement on XX/XX/XXXX states my payments were to be paid in XXXX payments of {$180.00} and XXXX payment of {$130.00}. No where does it state that my loan can be re-disclosed to a shorter term with a vastly higher payment. They want my payment to go from & XXXX to {$1000.00} a month. I do not agree to this, never signed anything to agree to this. This is extremely unethical but not surprisingly from Nelnet or its subsidiaries. They provided bad information in XXXX the last time I filed a complaint.
Consumer complaint received 2024-09-20
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (TX)

My card account was transfered from XXXX XXXX to Citibank. I was unable to access my account during this period. Neither customer service phone number would be able to assist me. I sent a secured message for assistance but was not assisted. Instead more barriers were put in place to request assistance. I'd like any late payments removed and fees waived. 

Here are the barriers in order : 1. Try to access XXXX XXXX portal. It is not accessible. 
2. Try to access Citibank port it is also not accessible. 
3. Call XXXX XXXX, they can't assist. 
4. Call Citibank, they don't have my information.

5. Receive late payment notice despite no being able to login or access account. 
6. Finally activate portal on Citibank as of today.

7. Now, I need to remove late fees but must send a secure message. 
8. Send message and receive more instruction.

9. Must Ensure eligibility for late fee and interest charge adjustments by considering the number of previous requests, the transaction date, and the status of your account. 
10. Each adjustment request must be submitted separately and evaluated individually. 
11. Access account online.

12. Find the main menu bar at the top of your online account. 
13. Select the Credit Home tab. 
14. Scroll down to the Account Activity section.

15. Find the filter transactions section.

16. Know and select the appropriate time period from the Recent Activity drop-down box.

17. Find the All Transactions drop-down box.

18. Choose Fees or Interest Charged.

19. Click on the transaction to view the details, including the type, post date, and amount. 
20. Copy the following Post Date : mm-dd-yyyy 21. Copy Original transaction amount : XXXX XXXX Copy Type : ( Late Fee or Interest Charged ) 23. Submit your adjustment request by Replying to the message by pasting the 3 lines from step XXXX. 
XXXX. Replace the placeholders with the correct information. 

I not the citibank employee, I am the customer.
Consumer complaint received 2024-09-10
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: FinCo Services Inc DBA Current (HI)

Initial Dispute : Date Opened : XX/XX/year> Date Closed : XX/XX/year> Transactions Disputed : XXXX XXXX XXXX  : {$39.00} ( XX/XX/year> ) XXXX XXXX XXXX  : {$40.00} XXXX XX/XX/year> ) XXXX XXXX XXXX : {$40.00} ( XX/XX/year> ) XXXX XXXX XXXXXXXX : {$20.00} ( XX/XX/year> ) XXXX XXXX XXXX : {$45.00} ( XX/XX/year> XXXX XXXX XXXX XXXX : {$200.00} ( XX/XX/year> ) XXXX : Amount unknown Dispute Result : Lost for all transactions Second Dispute ( Won ) : Date Opened : XX/XX/year> Date Closed : XX/XX/year> Transactions Credited : XXXX XXXX XXXX  : {$30.00} ( XX/XX/year> @ XXXX XXXX  ) XXXX XXXX XXXX XXXX {$30.00} ( XX/XX/year> @ XXXX XXXX  ) Dispute Result : Credited for both transactions Description of Issue : The initial dispute involved unauthorized transactions through XXXX XXXX and other merchants, which were incorrectly closed as lost. In contrast, a second dispute with similar unauthorized XXXX XXXX transactions was resolved in my favor. This inconsistency in dispute resolution is concerning. 

Key Communications : Raised concerns over the inconsistent outcomes between the XXXX disputes, noting that funds were transferred to XXXX XXXX accounts not under my name in both cases. 
Requested documentation on the findings from the investigation related to the initial dispute. Documentation was not provided. 
Emphasized that the decision contradicts Current Bank 's policies and federal regulations, requesting a reopening of the disputes. 
An agent offered to reopen the dispute but requested additional documentation. 
Current Status : I am preparing to escalate this issue with relevant regulatory bodies and consider arbitration if necessary. I seek a thorough investigation and resolution of all disputed transactions in accordance with regulatory standards.
Consumer complaint received 2024-07-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (PA)

I found out, not through my servicer XXXX or Federal Student Aid, but through the news, that the XXXX plan I am on has been blocked by a federal appeals court on XXXX. As such, all borrowers on XXXX have been forced into an involuntary forbearance that does not count towards XXXX XXXX XXXX XXXX ( XXXX ). If not for this forced forbearance, my loans would have qualified for forgiveness on XXXX XXXXXXXX XXXX. Now, itll be at least XXXX months later than that. This also puts us in a potential new presidential administration, and XXXX candidate, if they are elected, has promised to abolish XXXX. 

I followed the instructions given to me via XXXX XXXX XXXX website to submit a new XXXX plan application to XXXX, which I did on XXXX and federal student aid said that the new application should process within XXXX  days. When I called XXXX to confirm the XXXX  day processing window on XXXX/XXXXXXXX, they said it would be more like XXXX business days, delaying my XXXX  for an additional XXXX months at least. When I asked them how long it would take to remove the forebarance, they said at least XXXX business days. 

To date, the only communication I have received from either fed aid or XXXX is a letter from XXXX dated XXXX ( same date as the court ruling ) stating that the XXXX plan would be recalculated and that the forbearance I would be put into would count towards XXXX. Through the news and my own research, I found that that was not correct, as the forbearance now applicable is related to the court injunction which expressly prohibits the forbearance period from counting towards XXXX. The false information I received by XXXX delayed my action, costing me valuable processing time. I want to know why it takes so long for them to process a run of the mill form and why the government/XXXX  has communicated none of this to me. 

I truly fear that I will miss the opportunity to get pslf despite working in public service for the last XXXX years. If a new administration does in fact abolish the program, I will have lost the opportunity through no fault of my own and by just a hair. I kept up my end of the bargain, why cant the government keep up theirs?
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (CA)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : XXXX Collection XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX FIN XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Late Payment : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Previous Address ( XXXX ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2024-07-29
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (FL)

Dear Sir/Madam : I am disputing the above-referenced debt. My multiple attempts to receive information about the nature of the debt ( only mentioned to be equipment damage in a surprise bill ) from XXXX phone support were denied. 

My contract was a pay as you go monthly contract which I had since XX/XX/year> and always paid on time. The service itself was flawless but I moved from XXXX to XXXX XXXX ( note new address above ) where there was no XXXX wireless XXXX service. I canceled via XXXX phone support, paid my last bill in full and returned the equipment per their request. The XXXX XXXX was in perfect working condition. Their computer records will show that the service was active until the moment I pulled the plug just days before they received the device back. The unit was also in pristine visual condition as well and returned in the original manufacturers packaging, double boxed, using their supplied return shipping. I requested them to send me pictures of the alleged damage as well as a report of the nature of the problem but they refused to cooperate. For all I know it could have been damaged in shipping ( which was their responsibility ) or they could be fraudulently trying to extract more money from me. I spend a great deal of time on the phone with a customer service supervisor trying to get them to provide the info above to no avail. Their customer service notes will confirm that and that I requested a specific notation on the record that they acknowledged they were unable to provide me with any information and that I was greatly unsatisfied with their phone support. 

Please verify this debt as required by the Fair Debt Collection Practice Act ( FDCPA ) ( section 1629g ). 


Thank you. 

Sincerely, XXXX XXXX XXXX