davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-24
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Ava Finance, Inc (GA)

I have an account with Ava that is set with automatic withdrawal monthly. The bank account I had on filed stop working with payment processing. I contacted them on XX/XX/year> and told them of the issue. I also told them in writing if the problem can not be resolve to close my account. They told me their was an issue with the Plaid the payment processing they were using and they did not close the account. Now they have reported late payment on my credit report for the last 3 month and when I contacted them again to close my account they went ahead an fix the issue with the payment processing that they were not able to do when I first contacted them but now has hurt my credit score so much.
Consumer complaint received 2024-08-24
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK (PA)

Subject : Pre-Arbitration Dispute of Inaccurate Reporting and Statute of Limitations Violation Dear Discover Bank, I am writing to formally dispute inaccuracies in the reporting of my account and to address a violation of the statute of limitations. The details of the account are as follows please also review proof of the reporting : Account Name/Number : Discover Bank Reported Balance : {$5600.00} Opened Date : XX/XX/year>2007 Statute of Limitations Violation : The statute of limitations for reporting this debt has expired, as the account was opened in XX/XX/year>2007. Recent reports have included payments that were not made, seemingly to reset the statute of limitations period. 
Inaccurate Reporting : The reported payments are inaccurate. The account should reflect its true status, without fabricated payment history. 

I request the immediate removal of this account from my credit report due to inaccuracies and violations of the statute of limitations. 


Compensation : Due to the violations and inaccuracies, I am entitled to {$1000.00} in damages. Please provide compensation for the inconvenience and harm caused by these inaccuracies. 

Please advise whether you are willing to resolve this matter through arbitration, as provided in the cardholder agreement. If not, I expect a resolution within 30 days from the date of this letter. If these issues are not addressed within the specified time frame, I will consider initiating arbitration.
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CL Holdings LLC (FL)

I have old credit card debt that has been re-aged. 2 accounts with XXXX XXXX, 1 with XXXX XXXX, and 2 with Jefferson Capital. All of these debts are over 7 years old, yet dates have been wrongfully updated. Accounts have been closed/charged off for a number of years. No payments, no contact with debt purchasers. All of these accounts have had the dates adjusted by the debt purchaser. Some of these are over 10-12 years old
Consumer complaint received 2024-08-24
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC. (MA)

To Navient Student Loan Services/ Whom It May Concern : I am writing to formally dispute the alleged debt reported by Navient Student Loan Services on my credit report. I believe this debt to be fraudulent, as I have no knowledge of this account and have never entered into any contractual obligations with your company or the original creditor.

In accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am exercising my right to request validation and verification of this debt. To resolve this matter promptly, I request that you provide the following documentation : Proof of Authorization : Evidence demonstrating your authorization under 15 U.S.C. 1692 ( e ) and 15 U.S.C. 1692 ( f ) to handle and collect this debt.

Legal Basis for Collection : A detailed explanation of the legal grounds upon which this debt is being collected.

State Authorization : Proof that your organization is authorized to operate and collect debts in my state of residence.

Evidence of the Alleged Debt : A complete and accurate copy of any contract or agreement, including my signature, that would obligate me to this debt. 
Full Account History : A comprehensive account history, including any charges, fees, and all collection-related activities.

Pursuant to 15 U.S.C. 602 ( a ), I demand the immediate cessation of all communication and collection activities until the alleged debt has been validated as required by law. Additionally, under 15 U.S.C. 604 ( a ) ( 2 ), I remind you that no information regarding this debt should be reported to any credit bureaus without my explicit written consent.

Your actions in reporting this alleged debt to the credit bureaus and attempting to collect it violate several key provisions of the FDCPA, including : 1692d : Prohibiting harassment or abuse in the collection of debts.

1692e : Prohibiting false, deceptive, or misleading representations.

1692g ( b ) : Requiring the proper disclosure of my rights and validation of the debt.

1692f : Prohibiting the use of unfair or unconscionable means to collect a debt.
Consumer complaint received 2024-08-24
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (IN)

Bread Pay continuously calls multiple times per day from different spoofed numbers. In the past I have requested written communications via my online account, mail or email. Today alone I had 3 missed called in a 4-6 hour period on a Saturday. While I understand XXXX are fair game for these companies, the repeated calls are harassing. While I understand I do owe on an account, these harassing calls have caused me to set my phone up to send unsaved numbers to voicemail.
Consumer complaint received 2024-08-24
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (FL)

In XXXX of 2023 I received my income tax funds however Chime Credit Builder immediately froze my account and asked me to submit and verify all of my tax information and documents. A week later they proceeded to unlock my account. Literally 2 days later I realized my account had been locked again. To this day ( exactly a year later ) I still cant get access to my account or funds. Ive tried several of times to get this issue resolved however every time I contact them for them to unblock my account they ask for more and more proof or paper for them to verify and keep telling me to send them the same proof Ive already submitted numerous times.
Consumer complaint received 2024-08-24
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Global Lending Services LLC (NJ)

These companies are constantly opening the collection account and then removing it, do whenever I try to improve my credit they open the collection and then my credit goes down. I have asked them alot of times to stop calling me and stop doing this but they still keep on calling me and disturbing me mentally by adding and removing collections again and again. Same thing with the auto loan company even when I returned the car voluntarily in just 4 months of usage the car which was XXXX $ they sold for less and wants me to pay XXXX on that. They are doing the same thing by adding and removing the collection to XXXX XXXX XXXX
Consumer complaint received 2024-08-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (AL)

Called customer service phone number numerous times and no assistance was provided. Customer service is completely illiterate to researching an account. When asking questions in regards to the settlement it is clear employees were informed to act unaware of the billions of dollars wells Fargo stole from innocent consumers. Told to go inside branch, then told me to call customer service and still no assistance or information nearly four months later. These banks only care for what you provide as opposed to how they are actually able To assist you financially as a consumer and not only is it insulting to me but, also very disheartening to know that even your money isn't safe.
Consumer complaint received 2024-09-27
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. (FL)

I'm in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. the inaccuracies are highly injurious to my credit score. 

Account : XXXX XXXX  number xxxxxxxxxxxx XXXX payment late year XXXX 

In accordance with the fair credit reporting act, public law XXXX, title VI, section XXXX, please provide the names and business addresses of each individual with whom you verified the account, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Consumer complaint received 2024-08-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (CA)

I am writing to formally file a complaint against Chime regarding an unfulfilled referral bonus that I was promised. 

I signed my mother up for a Chime account using my referral link, following all of the instructions provided by Chime. My mother made the required deposit within the specified time frame, making us both eligible for the {$100.00} referral bonus. 

After the bonus did not appear in our accounts, I reached out to Chimes customer support through chat. I was told that we should wait, and that the bonus would be applied shortly. However, weeks passed, and there was still no bonus. I then called Chime on behalf of my mother and spoke with a supervisor who assured me that both of us would receive the {$100.00} bonus and that it would be applied within minutes to a couple of hours. 

Despite this assurance, the bonus still did not appear. I called Chime again several days later and was once again told to wait. After more weeks passed with no update, I called Chime once more a few days ago and was informed that even though we met all the required activities, the system would not allow them to apply the bonus because it was too late. 

This situation has been incredibly frustrating. I was repeatedly given false assurances by Chimes support team that the bonus would be applied, only to be told later that it was impossible due to an issue with their system. I feel that I was lied to about the bonus, and as a result, my mother and I have not received the funds that we were promised. The ticket ID number is XXXX from the last phone call with chime on XX/XX/year> I am requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and assist in resolving this issue with Chime. 

Thank you for your attention to this matter.
Consumer complaint received 2024-08-24
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: CITIBANK, N.A. (MD)

In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed.
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account. I also request that you stop reporting this inaccurate information and report the correct information to all the nationwide credit reporting companies to which you provided it.
Consumer complaint received 2024-08-24
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY (MD)

I received a letter from Wells Fargo Bank dated XX/XX/year> stating that a hold was placed on my credit account due to unusual activity ( I locked my credit card ). They asked me to provide a signed cardholder consent form and a 4506-C tax form by XX/XX/year> or my account would be closed. I submitted the forms that were asked for and submitted them at the Wells Fargo branch located at XXXX XXXX XXXX, XXXX, MD XXXX on Thursday, XX/XX/year>. On Saturday, XX/XX/year>, I received a notification on XXXX XXXX  that my credit card was removed from my XXXX XXXX account. I checked my Wells Fargo app to see what was going on and my credit account was not listed in my accounts summary. I called Wells Fargo to see what was going on and after being bounced around multiple departments and being hung up on twice, I was finally told that my account was closed. When I inquired as to why this happened, I was told that I would not be able to be told over the phone and to expect a letter detailing why my account was closed. I believe the banker said that I would have until either XX/XX/XXXX or XXXX to pay back the remainder of my balance.
Consumer complaint received 2024-08-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Indie Technology DBA Found (PA)

i have had my account for a minute now, and however the company decides to close the account due to not having a business account from what i was explained, now i have to redirect my business somewhere else due to close deposits supposedly i had a deposit on XX/XX/year>XXXX  for XXXX
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

Since this is my second request, I will also beI provided the reasons for disputing the information. I have enclosed it again sending a copy of this letter to the Federal Trade Commission to inform them that I have proof of sending letters to you and that you have not complied with my request. Additionally Under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), Fair Debt Collection Practices Act ( FDCPA ) I am entitled to dispute inaccurate information on my credit report and expect a thorough investigation of my claims, I have reported this matter to the Consumer Financial Protection Bureau ( CFPB ) and the Better Business Bureau XXXX BBB ) to seek their assistance in resolving this issue. 

Please find below my reasons for dispute : XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc. (OR)

Cash app has basically taken my account under my email XXXX and for some reason closed the account after I gave them my date of birth and SSN. Ok whatever fine not the issue. The issue is I have a balance of {$17.00} on my cash app account and since my account is now closed i can no longer send the balance to anyone and the only thing I can do is withdraw the balance to a debit card or bank account. Now when I put my debit card number which has been linked to a cash app account under the email XXXX before i get an error stating that this debit card is linked to too many cash app accounts and cant be added. Ok... well then I try a different debit card that hasnt ever been linked to a cash app account I get another error saying that " You cant link a new debit card, you must link a debit card that has been previously linked to the account before '' wait .... I just tried to link a debit card that has been linked to the account before and cash app gave me the error saying that its been linked to many times? so now what? well lets go through the process of linking a bank account using plaid .... I go through the process give all the right information and I get the same error " Cant use this bank account use a bank that has been previously linked '' which I have emails showing that the debit card and bank account I am trying to link are the exact bank account and debit card that have been linked to the account before. So I go to cash app support and tell them my issue and they just repeat exactly what the errors say and give me now help and my money is basically stuck on the account. I have tried looking up information on how to fix the issue and get no help and everyone just saying that cash app wont help and I am basically XXXX out of that money on the account.
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I have old credit card debt that has been re-aged. 2 accounts with Portfolio Recover, 1 with XXXX XXXX, and 2 with XXXX XXXX. All of these debts are over 7 years old, yet dates have been wrongfully updated. Accounts have been closed/charged off for a number of years. No payments, no contact with debt purchasers. All of these accounts have had the dates adjusted by the debt purchaser. Some of these are over 10-12 years old
Consumer complaint received 2024-08-24
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem adding money
Company: TD BANK US HOLDING COMPANY (MA)

Have had a TdBank gift card that they have terminated all transactions on. TDBank claims this was a company wide action and all card holders will be forced to " cash out '' remaining funds, whether thats at local branches or through customer service. If at bank they will provide cash, and if through customer service they will mail check. I have been waiting for a refund from XXXX in the amount of {$320.00}. XXXX has tried 2 times to refund the funds but there is a " processing error '' because this card has been terminated. I have contacted TDBank numerous times. I most recently spoke to XXXX XXXX who was VERY UNPROFESSIONAL, and her excuses and lack of resolutions and willingness to resolve the matter are BEYOND UNACCEPTABLE ( Local news station has been contacted as well ) I have asked MANY agents where I can find the writing of this new company action, nobody can provide that. I also went to local branches ( 2 ) and they said they have no information either, only thing they can think of was that it was an " internal message ''. This company has been very UNETHICAL. They gave NO warning about this drastic change. Did NOT give any card holders a warning so they could use the cards. I have been given many excuses but nobody can provide any documents or any resolution. This is a SERIOUS CONSUMER PROTECTION ISSUE. The company keeps telling me to resolve with XXXX. But XXXX has told me they have exceeded the number of attempts for return and it's up to financial institution. THEY SHOULD HAVE NEVER TERMINATED THE CARDS WITHOUT LETTING PEOPLE KNOW!!!!!! YOU SHOULD BE ASHAMED OF YOURSELF ESPECIALLY WITH NO MORALS OR BUSINESS ETHICS!!! 

I have attachments but they are failing to upload.
Consumer complaint received 2024-08-24
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: Selene Holdings LLC (KS)

Selene Finance LP sent check # XXXX to XXXX XXXX in the amount of {$1800.00}. Which we received on XXXX XXXX. The check was dated XXXX XXXX, it was issued because of a short year escrow after we sold XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( my father ) has been deceased three years now. I called Selene finance on XX/XX/year> to find out what we needed to have the check re-issued to a heir of XXXX. On XXXX XXXX, we emailed Selene Finance LP my sisters driver license, dad 's death certificate, mailing address, probate documents for dad 's estate, and a quick claim deed for the house. Then I called Selene XXXX XXXX, they told me that XXXX would have to call them since the check would be issued in her name. XXXX has called them numerous times. On XXXX XXXX. Selene Finance LP sent XXXX documents about making mortgage payments for a house that has been sold. Then they wanted her to fill out a w-9 form for taxes. XXXX sent them by email on the XXXX. The called Selene Finance on XXXX XXXX to find out when they are going to mail the check because they told her that they needed to find out if the check had been cashed. They have gave all kinds of excuses why the check has not been sent. Selene Finance LP said they sent the check XXXX XXXX. XXXX has not received the check yet
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ID Analytics, Inc. (FL)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name- UXXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 15 U.S.C. 1681 section 602 A- States that I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2- It states that a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( A ) ( 5 ) Section- states that no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than the records of convictions of crime which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S.C. 6802- states that a consumer is required to receive an opt-out notice at the time that the account is created and being reported.