davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc. (TX)

I am writing to formally file a complaint against Self Financial , Inc. ( Self ), regarding inaccurate information reported on my consumer report. I believe these inaccuracies violate my rights under the Fair Credit Reporting Act ( FCRA ) and potentially relevant state laws. Below are the specific issues : 1. Incorrect Account Opening Date Self Financial has inaccurately reported the opening date of my account as XX/XX/year>. This information is incorrect, and the actual account opening date is different. Under the Fair Credit Reporting Act ( FCRA ) 609 ( 15 U.S.C. 1681g ), I have the right to accurate information on my consumer report, and any incorrect dates or information should be promptly corrected.

2. Reporting of Late Payments Self Financial has reported that I made late payments on my account. This is inaccurate as I have consistently made timely payments. According to the FCRA 623 ( 15 U.S.C. 1681s-2 ), furnishers of information to credit reporting agencies are required to report accurate and complete information. The reporting of late payments that were never made is not only misleading but damages my credit standing. 

3. XXXX Payments on Account Despite High Balance Self Financial is reporting a high balance on my account but is simultaneously showing XXXX payments made. This is inconsistent and inaccurate. Under FCRA 623, furnishers must ensure that the information provided is correct, and reporting both a high balance and zero payments when payments were made does not comply with this requirement. This erroneous information could mislead creditors and negatively impact my creditworthiness. 

Violations of Federal and State Laws Under the FCRA, consumers have the right to dispute inaccurate information, and companies must investigate and correct any errors in a timely manner. Self Financial 's failure to accurately report my account details not only violates the FCRA but may also be in violation of state laws that protect consumers from unfair and deceptive trade practices. If applicable, I request the CFPB 's assistance in determining any state-specific consumer protection laws that might provide further recourse.
Consumer complaint received 2024-10-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (MI)

Jefferson Capital Services, LLC buys information from debtors fraudulently. I did not open an account with XXXX on XX/XX/XXXX. I have attached a screenshot of a bank statement to prove I didnt even live at the address listed. I forwarded the letter they sent me to XXXX fraud department. XXXX had a data breach in XXXX where my social security number was exposed. I have XXXX XXXX that helps protect my identity now. 

This company needs to be investigated for violations of the FCRA and FDCPA, among other agencies. Remove the items off of my credit report. 

ps I hope there is a class action lawsuit from all of this fraudulent activity
Consumer complaint received 2024-10-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (TX)

I revoked authorization and canceled Auto pay and my account was still charged after I was ensured that I wouldnt be charged automatically moving forward. I did a dispute with Wells Fargo due to the company not responding or providing a resolution and Wells Fargo denied my claim. Due to me not authorizing anything coming out of my account I feel that this denial is invalid.
Consumer complaint received 2024-10-12
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Bridge IT, Inc. (AZ)

I thought it would be a good idea to have this account I opened it on the trial. Realized that I didn't want it sent them a statement and their website saying I wanted to cancel this before the trial was over with and they've just ignored that tried charging me numerous times reporting to the credit bureau that I haven't made payments which I shouldn't have because I canceled the thing and they're still doing it to this day and that was back in 2022. Actually I would love to be able to sue them for Reporting negatively on my credit report causing damage to the possibility of me being able to purchase my home or help my business because of all this I can't they have really hurt my credit report they should be ashamed
Consumer complaint received 2024-10-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (FL)

Subject : Formal Complaint Regarding Delay and Mismanagement of Student Loan Refund Issuance To Whom It May Concern, I am writing to formally address ongoing issues regarding a delayed refund for my federal student loan, which remains unresolved after 8 weeks. This refund has yet to arrive despite multiple inquiries and assurances that it would be processed in a timely manner. 

I initially contacted Aidvantage in the beginning of XX/XX/year> with concerns that the refund check might be sent to an outdated address. During this call, I discussed the potential need for a stop payment on the check to prevent further complications. However, the agent advised me to wait the full 6-8 weeks for the check to arrive, rather than proceeding with a stop payment at that time as he indicated they had my correct address. 

On XX/XX/year>, I again contacted Aidvantage and spoke with a representative named XXXX. During our conversation, I was informed that a stop payment had, in fact, been issued on XX/XX/year>, without my knowledge or authorization, and I was not given any explanation for why this action was taken. XXXX also stated that a request to reissue the refund check was processed on XX/XX/year> and further stated it could take up to 14 months to recieve. Unacceptable. You either secure my refund within 60 days to avoid an FTC complaint.
Consumer complaint received 2024-10-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (NY)

On XX/XX/XXXX, I received a shocking visit from a case worker for XXXX XXXX XXXX in XXXX. Wells Fargo Bank alerted city authorities that I was unable to manage my finances due to co-payments to a legitimate therapist I was seeing. 

I have already complained to the XXXX XXXX XXXX XXXX XXXX. WHAT RIGHT DOES WELLS FARGO HAVE TO INTRUDE ON MY PRIVACY? 

This is an outrage. I did receive a call from their executive office in XXXX XXXX XXXX from XXXX XXXX. 

I am demanding a formal apology and damages!!!!!!!!!!!!!!!!!!!
Consumer complaint received 2024-10-06
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: WELLS FARGO & COMPANY (TX)

My husband and I were residing at XXXX XXXX XXXX XXXX, we had financial difficulties due to a high risk XXXX XXXXXXXX. Wells fargo did not work with us. We found buyers the week before the sale and wells fargo declined the offer, foreclosed on our home and sold the home after our home was foreclosed to the same buyers who offered to buy it. We lost our home and was forced to vacate with XXXX XXXX XXXX XXXX XXXX XXXX XXXX My contact number is XXXX
Consumer complaint received 2024-10-27
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Coinbase, Inc. (MT)

I wished to file a complaint against Coinbase as I saw their user agreement contained the following text which claims they can use retaliation as a reason to terminate a customer account : " 6.10. Suspension, Termination, and Cancellation. Coinbase may suspend, restrict, or terminate your access to any or all of the Coinbase Services, and/or deactivate or cancel your Coinbase Account ( XXXX ), with immediate effect for any reason at its sole discretion and is under no obligation to disclose the details of its decision to take such action with you. You acknowledge that Coinbase 's decision to take certain actions, including limiting access to, suspending, or closing your account for any reason in our sole discretion, XXXX be based on confidential criteria that are essential to Coinbase 's risk management and security protocols. You agree that Coinbase is under no obligation to disclose the details of its risk management and security procedures to you. '' As I understand it, Coinbase operates as a Money Services Business. As such, they must comply with the XXXX XXXX XXXX Reform and Consumer Protection Act. 

I attempted to contact customer support on the issue and explained how the wording for that section violated the consumer protections on " Prohibition of Unfair, Deceptive, or Abusive Acts '' and also citing the relevant sections of Section 1031 ( 12 U.S.C. 5531 ), Section 1057 ( 12 U.S.C. 5567 ), Section 1036 ( 12 U.S.C. 5536 ). I further explained that having a section within the user agreement which violates public policy ( and should therefore be unenforceable ) made me feel like a victim of fraudulent inducement. 

I did not know why the complaint form webpage they had was not functional. At first, it stated I needed a customer support reference number. I obtained this from an agent, but the number was never considered valid by the complaint webpage despite following all provided instructions. 

As the customer support number must be accepted before you can actually proceed to fill out the complaint form, the webpage was non-functional. I explained to customer service that if the complaint webpage did not work, I would instead file it with the CFPB. I felt that my attempts would have satisfied the user agreement requirement to file complaints with Coinbase first and the agent agreed.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission.

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-09-27
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)

I am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-off. The account in question is listed as follows : Creditor Name : XXXX XXXX XXXX  Account Number : XXXX Date of Charge-Off : XX/XX/year>XXXX  It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off. 
The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score.

Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper.

I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with a confirmation of these corrections.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

I have previously submitted complaints regarding inaccurate items on my credit report, yet no corrective action has been taken. I am once again requesting the removal of all negative and erroneous items from my report. 

If this matter is not addressed promptly, I will have no choice but to pursue legal action to seek compensation for the violations under applicable credit reporting laws.
Consumer complaint received 2024-10-12
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica (TX)

A Dispute Resolution in the Adjusted Amount of {$22000.00} with Direct Express Payment Processing Services XXXX SERVICE REQUEST NUMBER XXXX Issue : Unresolved and Claim Denial for {$22000.00} Direct Express is facing a Class Action Settlement Lawsuit for Illegal Dispute Practioces as Follows : Company : Direct Express Payment Processing Service Fraud Services Department XXXX XXXX XXXX XXXX XXXX TX XXXX Claimant : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX Dispute Denied and not resolved in the clients favor as promised by the supervisor team PIN PHONE Stolen and CARD and CARD Number and CVC Code Stolen IDENTIY THEFT XX/XX/2024 STATEMENT and XXXX  Email Received. ( Subpoena Compliance not followed ). XXXX XXXX Liability and FDIC Insured Policies were disregarded intentionally and not honored. 

XXXX XXXX XXXX I intend on filing a law suit with the District Couret in XXXX Texas if left unresolved within a reasonable time frame XXXX  the full FDIC Insured Amount of XXXX Deposited by the social Security Administration and US Treasury Department . 

Today is XX/XX/2024 The XXXX was Filed in XX/XX/2024 XXXX, XXXX XXXX XXXX XXXX A new SIM Card was issued for the Stolen XXXX Used to Hack and Dark Web Surveillance the Account with Stolen Social Security Card Debit Cards and Credit Cards. Drivers License was also reported Stolen to XXXX XXXX PD Officer Lain the Phone was Stole at a Waterpark in XXXX XXXX Texas XXXX pending further incidences of stolen vehicle and towed vehicle with IDs Cards SS Cards and Valid Drivers License of XXXX XXXX XXXX a US Veteran United States XXXX XXXX and Federal Government Candidate and Government Essential Employee- City of XXXX and XXXX XXXX Health and Human Services Please resolve by have the Credit Issued Permantly and Provisionally to my Current Direct Express Account with SSA The Social Security Administration . 
The Total Disputed Amount is {$22000.00} on the Direct Express Government Benefits Prepaid Debit XXXX XXXX FDIC Insured and XXXX XXXX Liability XXXX, XXXX
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CITIBANK, N.A. (NJ)

According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of metro 2 data field reporting, I have the right to dispute any information on my credit report that I believe is not correct.I can not recognize or accept the allegation of delinquency without factual proof. According to federal and state law, you must report any allegations with the greatest compliance and accuracy possible.You should not report any claims that you know or should know are not in compliance with regulations and the law.I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. This is required by the Metro 2 reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. I am giving you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report.I authorize you to take steps to correct my credit and send me physical proof of your actions.The following claims are unverified and require further investigation.
Consumer complaint received 2024-10-11
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings (NV)

This company has said that I owe a debt that was discharged and paid by the city during the pandemic. I applied and was approved for rental assistance during the pandemic. Before I found out that the rental assistance was approved the apratments and I agreed to turn over the unit to them. I was never late on my rent prior and had been making partial payments on rent due to being XXXX XXXX XXXX XXXX XXXX. After we agreed for me to turn the unit over instead of filing an eviction. I turned the property over and the next thing I know I have a debt from the property when they were already made whole multiple times. Through the XXXX rental assistance program, and from me turning over the unit to their possession. I have attempted to explain this to this debt company multiple times they wont remove the debt from my credit report and continually increase the amount owed by adding interest every few weeks. This is a fraud being committed against me and I would like relief please.
Consumer complaint received 2024-10-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Harris & Harris, Ltd. (IL)

XXXX XXXX in XXXX  has deceptive billing practices. They hide charges and submit billing to collections without any balance owed showing on their online portal. I have screenshots showing I have no owed balance to this organization yet I am receiving notices of debt collection. The one picture that shows Pay as guest with a balance of {$25.00}, that is the only place where it shows a balance. When attempting to confirm with my account on their portal and website it shows no balance owed. I tried calling the organization to address this discrepancy but they were unresponsive.
Consumer complaint received 2024-10-16
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: JPMORGAN CHASE & CO. (NY)

I closed my Chase business credit card account ending in XXXX for my business named XXXX XXXX XXXX on XX/XX/XXXX at the Chase branch located at XXXX XXXX XXXX, XXXX, XXXX  XXXX at which time I was advised by the personal banker that I just need to continue paying the balance without interest. 

Recently, I accidentally realized that this credit card account has accumulated the interest of {$1500.00} for the year of XXXX. 

I called the Chase customer service on XX/XX/XXXX trying to figure out why this credit card account was charged for interest. The customer service representative told me that they started to charge interest since XX/XX/XXXX when the 0 % APR period ended. However, I did not receive any notification in any format ( mail, email or text message ) that informed me for the conclusion of the 0 % APR period. Also, since this credit card account was already closed, I was unable to see any statement or notifications from the online banking. 

On XX/XX/XXXX, I made a full payment of the balance due which is {$13000.00} over the phone. Upon my request, the customer service representative made a request to reverse the past interest charged, but that request was denied. Additionally, I asked customer service representative to send me a confirmation email for the full payment I made on XX/XX/XXXX to the email address they have on file and she said she would do it, but I have never received a confirmation email. 

On XX/XX/XXXX, I received another statement showing this closed business credit card account was again charged for another interest of {$140.00}. I called the Chase customer service again on XX/XX/XXXX and was told that the balance I already paid off was still subject to the interest. Then I paid off {$140.00} over the phone. Again, my request for reverse of that interest was denied. I also asked customer service representative to send me a confirmation email for the payment I made on XX/XX/XXXX to the email address they have on file and she said she would do it, but I have never received a confirmation email. 

I feel its really unfair. As a consumer, I am not supposed to pay for what I had no knowledge of. The interest charged by Chase that the consumer had never been informed is apparently an action of taking advantage of the consumer. 

I would like to request for a full refund of the total interest charged by Chase for my closed business credit card account which is {$1600.00}.
Consumer complaint received 2024-10-15
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: WELLS FARGO & COMPANY (KS)

Wells Fargo denied my request to receive a full refund of private student loans obtained while attending XXXXXXXX XXXX XXXX XXXX XXXXXXXX on the basis of fraud and misrepresentation by this school, which is owned by XXXX XXXX XXXX. As a former XXXX  at XXXXXXXX XXXX XXXX XXXXXXXX XXXX, I was subjected to several instances of misconduct that severely impacted my education and financial situation. The specific fraudulent and misleading actions by XXXX XXXX included : Misrepresentation of XXXX Step XXXX Pass Rates : The school provided inflated and inaccurate statistics regarding the XXXX Step XXXX Pass Rates of its XXXX, which significantly influenced my decision to enroll. Deceptive Marketing Practices : The school used aggressive and misleading marketing tactics to lure prospective students, including false claims about the quality of education and potential career outcomes. Inadequate Educational Support : Despite assurances of robust academic support and resources, the school failed to provide adequate faculty support, clinical rotations, and other essential components of medical education. These actions by XXXXXXXX XXXX XXXX XXXX XXXXXXXX constitute a clear case of misrepresentation and fraud as evidenced by the XXXXXXXX XXXX XXXXXXXX settlement relief.