davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: EdFinancial Services (OH)

Ive always been continuously in school. So Im not supposed to be charged interest or be asked to pay back my loans until I graduate. Ed financial has been charging wrongful interest and stating Im late on payments for almost a year now. Ive contacted them several times to fix this issue one time being XX/XX/2023 and again the is year ( I recorded the conversation from this year ) where they once again admitted it was their error and lied that they would fix it. They even confirmed the XX/XX/2023 conversation I had with a supervisor. Im being charged wrongful fees and late payments wrongfully being reported to my credit when Im still in school and submitted proof several times. Not to mention the constant harassment of them telling me Im behind in payments Im not even supposed to be making now.
Consumer complaint received 2024-07-08
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Corp Solutions Inc. (FL)

Credit Corp Solutions-Account rep XXXX XXXX XXXX to tell me ( most recently XX/XX/year> ) that the only way I can make a payment arrangement is to have it auto-drafted from my bank account. Otherwise I'm not considered to have arrangements. I've been told that I must call every month to make payments if I don't set this up. 

Additionally, when attempting to use their online payment portal to make timely payemnts, the website does not work. attempts at getting technical assistance have been unsuccessful. This results in late payments. The company states customers can make payemnts via the portal. 

Spoke to Account XXXX XXXX ( no last name given ). She set me up on a payment plan where I mail my own check by XXXX each month.
Consumer complaint received 2024-07-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I have a credit card on my credit that is making my credit look very bad .I have never personally Went on capital one and got a credit card! Someone else used my information. I also had addresses on my credit that I never lived at .Please dispute this XXXX XXXX
Consumer complaint received 2024-07-10
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Sequium Asset Solutions, LLC (TN)

I was denied a simple store card which prompted me to check my consumer report ; upon doing so I noticed a company by the name of SEQUIUM ASSET SOLUTIONS listed I have never heard of before or did any business with on my consumer report. I never received a letter in the mail or phone call explaining to me who they are or the alleged debt I owe.
Consumer complaint received 2024-07-10
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc. (NY)

Once again I am disputing XXXX transactions that equal XXXX dollars or possibly XXXX from XXXX XXXX for some odd reason cash app continues to decline my disputes for these remaining transactions with the receipt and all. currently they have some manager name XXXX reaching to me stating Hes having this escalated to someone else to review it and please give him patience just to come back and deny it stating that it doesnt have receipts when all of the disputes always have receipts. I just resubmitted them again for the fourth time yesterday XX/XX/year> with receipts. All this email communication with me from cash app telling me to do things that already have been done just for them to deny it is outrageous l. These people are unprofessional I would appreciate it if cash app please restrain themselves from emailing me trying to fix something that theyre not fixing. They can keep communicating with the businesses that I am reporting them to because theres no way theyre telling me to keep submitting a dispute that theyre denying stating that it doesnt have receipts when I have receipts stating that those transactions that theyre denying were refunded to me on XX/XX/year> for XXXX dollars. Cash app is stating they refunded me back {$1400.00} yes but the total stated in the emails from XXXX XXXX of a refund that I received is over {$3400.00} which they think Im going to lose out on because the business is lying to me and Cash App doesnt dispute transactions over 60 days so my money has not been given back to me and XXXX XXXX will be dealt with accordingly for the transactions cash app could not return back to me due to being over 60 days.
Consumer complaint received 2024-07-10
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: WELLS FARGO & COMPANY (RI)

On XX/XX/24 I applied for a Wells fargo card because of there 0 % for 21 month advertisement. I was approved for {$13000.00} ( same day ). I was also able to set up a balance tranfer right away. I took this opportunity to set up a balance transfer of XXXX to my XXXX XXXX XXXX. I received a " success '' notification upon submission. When I contacted Wells fargo a few days after approval, I was informed the process would take up to XXXX weeks. I recevied my physical card in the midst of this time frame. When I checked my Wells Fargo account online on XX/XX/24, I noticed the balance transfer was processed on XX/XX/24. I immediately checked my XXXX XXXX to verify. My XXXX XXXX balance did not show any funds applied from Wells Fargo. I called XXXX to verify their process for accepting balance tranfers and if anything was pending for my account. I was informed that once they receive a payment they apply it immediately and that there was nothing pending for my account. I called Wells fargo immediately in an effort to find out where the funds were sent. I was met with " customer service '' agents who could not provide any information which was quite alarming. They instructed me to open a case so that they could research what had occurred. This case was " resolved '' a few hours later via an email stating I am responsible for the funds. There was no answer to any of my other questions which further alarmed me. Once I read the email, I immediately called again and was informed that I would have to open another case since that one was " resolved ''. I detailed my questions ( yet again ) and it was submitted. I called the morning of XX/XX/24 to see if it was assigned which it had not been at that point. I spoke with XXXX in the executive office who said she would escalate this case and try to get it assigned faster. As it stands, I still have a {$12000.00} outstanding balance with Wells fargo that I am responsible for. I came to them because of their advertisement and now have double the debt with no real help or information. I am concerned what they will do with my personal information seeing how they are handling me in this specific situation.
Consumer complaint received 2024-08-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (LA)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2023-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Report Act XXXX, Account : XXXX, XXXX, has violated my rights. 
15 U.S.C 1681 Section 602 A, States I have the right to privacy. 
15 U.S.C 1681 Section 604 A, Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
This is a fraudulent account ; I did not open account with this company.
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

RE : XXXX  BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Personal Information that are being challenged Employer - XXXX XXXX Listed below are the Inquiries that are being challenged XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX  IN PERSONS. IF THE CONSUMER HAS PROVIDED XXXX  DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] XXXX  XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX  XXXX  ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Consumer complaint received 2024-07-17
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (CA)

I received the E-mail pasted below the dotted line in my XXXX mailbox today XX/XX/year>. I called the phone number given to cancel this erroneous transaction, but it is only a sales recording nothing else. I am also following up with Paypal since the transaction receipt carries a Paypal logo. 
==================================================== Thank you for your order Inbox XXXX XXXX XXXX XXXX Attachments XXXX ( XXXX hours ago ) to me This email indicates that your order, XXXX, was handled successfully. The receipt for the transaction dated XXXX XX/XX/year> is attached. Feel free to contact us if you require any more support or information. 

XXXX XXXX XXXX XXXX Purchase Date-XX/XX/2024 -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - There is a document described as a receipt attached which I have downloaded and attached in PDF format. This is something that also should be categorized as a scam or fraud, but your form only allows one option. 
______________________________________________________ THE RECEIPT READS : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - You've successfully placed a order of $ XXXXUSD Bitcoin XXXX ( XXXX ) XXXX Thank you for your purchase XXXX, It may take a few moments for this transaction to appear in your account. 

Transaction ID XXXX Transaction dateXX/XX/2024XX/XX/year> Instruction to seller : you haven't entered any instruction Description Unit Price Qty Amount Bitcoin {$370.00} XXXX {$370.00} sub total {$370.00} Total {$370.00} Payment {$370.00} If you have any transaction-related concerns or want to modify your form of payment, talk to our staff at XXXX ( XXXX ) XXXX. 

In order to cancel this order kindly reach out to us soon as we would not be able to avoid this charge after 24 hours. 

PayPal Transaction Notification Email -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- I will follow up with Paypal as well since it appears the transaction came through their website. I stopped using Paypal about 3 years ago because of the problems it created in my accounts. Note that this transaction only identifies me by my E-mail address.
Consumer complaint received 2024-07-10
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: Bread Financial Holdings, Inc. (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 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kikoff Inc. (GA)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account.This account is hurting my ability to obtain credit.Its my understanding that Credit Bureaus will investigate this account for me to ensure accuracy. Here is the account that I am asking you to verify as accurate : ACCOUNT NAME XXXX  : ACCOUNT # XXXX
Consumer complaint received 2024-07-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc. (PA)

I stayed at a hotel XXXX XXXX XXXX XXXX XXXX. The hotel charged me {$400.00} security deposit and on XXXX they said they sent the refund. My card says they do not see it but they are having issues with refunds on cards. They said they need me to file dispute after 30 business days
Consumer complaint received 2024-07-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (AZ)

Account info Account name XXXX/COMENITY/XXXX  XXXX Account number XXXX Account type Charge Card Responsibility Individual Date opened XX/XX/XXXX Status Closed. 
Status updated XX/XX/XXXX Balance - Balance updated - Recent payment - Monthly payment - Credit limit {$250.00} Highest balance {$490.00} Terms - I do not know this account and am formally requesting the original signed contracts between myself and Comenity showing that I am liable for the debt on this account or that it be immediately and permanently removed from my credit report.
Consumer complaint received 2023-07-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I submitted documents to this company via certified mail which were police report and ftc report indicating that the account they are reporting to my credit reportis fraudulent and should be removed immediately I have not received any response certainly not in written I also sent in a debt validation letter giving 30 days to provide and contracts to validate this debt and have not received anything
Consumer complaint received 2022-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Marlette Funding, LLC (TX)

I sent Best Egg a Cease and Desist in XXXX of XXXX instructing the company to stop communicating with me through any and all mediums. Best Egg has violated my federally protected consumer rights by communicating with me through The Credit Reporting companies, XXXX, XXXX and XXXX after being told to stop. 

15 U.S. Code 1692c - Communication in connection with debt collection ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 
If such notice from the consumer is made by mail, notification shall be complete upon receipt.
Consumer complaint received 2024-07-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BMO Bank, N.A. (FL)

I created a new account and notified my employee to conduct direct deposit. I gave the wrong account number. When I realized of the error I called my employer and the bank institution. For 3 days XXXX XXXX XXXX XXXX XXXX the bank institution did nothing about it. On the third day after my 5-6 phone call I was told by the bank institution that I had to have my employer called. They would not allow me to make a fraud report, freeze the funds or any sort of precaution to stop the unknown person who received the funds from withdrawing them. I found out that the first 5 employees that I spoke to at the bank institution gave me wrong information and never transferred my case to the appropriate section.
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION (TN)

Subject : Request for Removal of 30-Day Late Payment from Credit Report Dear Regional Acceptance Corporation , I hope this letter finds you well. I am writing to formally dispute the 30-day late payment status that has been reported to the credit bureaus and is currently appearing on my credit report. The details of the account are as follows : Account Holder : XXXX XXXX Number : XXXX Paid in Full / Account Closed 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 I am requesting that Regional Acceptance Corporation remove this negative mark from my credit report for the following reasons : 1. Good Payment History : I have been a loyal and responsible customer of Regional Acceptance Corporation, maintaining a good payment history with timely payments over the duration of my account. This isolated incident does not accurately reflect my overall payment behavior.

2. Unforeseen Circumstances : The late payment in question was due to unforeseen circumstances beyond my control. I am an active duty member and was on official travel when the late payment occurred. I have since taken corrective measures to ensure such a delay does not occur again.

3. Consumer Goodwill : As a gesture of goodwill, I kindly request your understanding and assistance in removing this late payment from my credit report. The negative remark is adversely affecting my credit score and financial stability, despite my overall positive payment history with your institution.

4. Potential Reporting Error : There may have been an error in reporting this late payment to the credit bureaus. I request that you review your records and verify the accuracy of this information.

I also request a written confirmation from your company stating that the late payment has been removed from my credit report once the correction has been made. 

Thank you for your prompt attention to this matter. I look forward to your positive response and the resolution of this issue. Should you require any additional information, please do not hesitate to contact me at XXXX. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (TX)

I sent XXXX dispute letters to LVNV FUNDING LLC ; to remove their illegal account on my report, they have refused to do so. XXXX letter was sent on XXXX XXXX, XXXX  and another one was sent on XX/XX/year>. I wrote them requesting validation/verification of the illegal account they reported to the credit reporting agencies, they did not provide me with any valid documentations.
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I review my consumer report and noticed that I had late payments on an account that I was never late for. Consumer reporting agencies have assume a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the account. 
please investigate and provide proof with statements showing that these payments were late. If proof cant be provided, I demand these payments be updated to on time as they should be, or DELETE the account from my report. 

Thanks
Consumer complaint received 2024-07-08
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: Upgrade, Inc. (CA)

I XXXX XXXX requested a balance transfer of XXXX from XXXX XXXX cash card number XXXX on XX/XX/year>. XXXX called the upgrade credit card number XXXX visa to send a bank wire for the amount of XXXX. Upgrade refused bank wire and requested a paper check, which XXXX then mailed to upgrade to the address of XXXX XXXX XXXX XXXX XXXX. The estimated time frame was XXXX to XXXX weeks to complete the transaction. It is now XXXX I have called both banks XXXX times each, XXXX gave me the check information and upgrade lost the check and all information with it. I spoke to an agent named XXXX who put me on hold for XXXX min stated upgrade has no info on check even though upgrade had stated in early XXXX that upgrade had received the check and sent it to a third party bank. and then called on XXXX and stated they had no recollection of any check or information at all having to do with the balance transfer. I was forced to provide the check information from XXXX. as upgrade refused to do their job I believe that upgrade does not want to complete balance transfer so they can escalate my interest rate to extort me for higher payments on my account meanwhile i am out the credit amount of XXXX while they procrastinate my transfer and refuse to do it at all. Upgrade is guilty of bank fraud