davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (MN)

XX/XX/24 XXXX was transferred into my paypal account. I reported it as an unauthorized transaction which opened a case on XX/XX/24. Since then the funds have been held and can not be moved anywhere. The website said I needed to respond to this dispute yet there was no place to respond or upload documents like the email stated i should do. They said I had until XX/XX/24 to respond to the dispute which i never did because there was no way to. I called 2 times on XX/XX/24 and their answering service hung up on me twice. I tried messaging the company through their website but anytime you do that it says they have no one online to talk to, so customer assistance is lacking. I spoke to someone today. I was on the phone for 45 minutes, on hold for at least 35 of those minutes and each time i was told they would look into it further only to tell me that the funds will still be held until the XXXX of XXXX. At which time i will receive an email notifying me of their dispute decision. At which time they will tell me that they feel the transaction was authorized and if I want to return the funds myself they are going to charge me almost XXXX  dollars to send the money back. They did not need to hold this money for 3 weeks to tell me this. I am still unable to do anything with this money and neither is the other party involved.
Consumer complaint received 2023-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (DE)

I sent a letter to all XXXX credit bureaus on XX/XX/2023 updating my personal information that is inaccurately being reported on my consumer report. I sent a copy of my ID as well as a utility bill along with the letter which I will also attach to this complaint. It has been well over 30 days and I have not seen any changes. My information is still inaccurately being reported.
Consumer complaint received 2023-09-20
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: EQUIFAX, INC. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (CA)

XXXX is reporting an inaccurate and unverifiable DISCOVER account as closed on my consumer credit report. " I have not supplied proof under the doctrine of estoppel by silence. XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX XXXX, I may presume that no proof of alleged, Debt nor therefore any such debt in fact exist
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I am a XXXX  of identity theft. I am writing to appeal that you block the following false information from my credit report. I have no knowledge how the theft took place. I also have no awareness of any suspects. I did not obtain any money, goods, or services as an outcome of identity theft. Please inform me if you want any other material from me to block this information from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-03-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation (MD)

Hello, I was contacted by a debt collector for XXXX XXXX XXXX saying I owed {$2000.00} from XX/XX/XXXX in a property I didnt even live in!. The address in Question is XXXX XXXX XXXX XXXX MD. I Stayed at this property for 3 months while my house was being built in XX/XX/XXXX. 4 years after the fact. In addition utilities were included so I have no clue what they could be thinking. If this hits my credit report I would like to file legal action. Thank you for your help. XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

It's required by FCRA 605B that we remove any incorrect accounts from my credit report. Would you please review the documents? Some of the listed accounts are inaccurate in terms of reporting. I should receive {$1000.00} for each inaccurately reported item on my credit file.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CL Holdings LLC (GA)

Send a letter pointing out some failures in the collections since there were errors in the information. 
The companies continued to bother me by phone every day, affecting my integrity, I explained many times that there were errors in their information that I had already sent them a letter and they always denied that I had contacted them. 
I do not have an account with any of the companies that are in the collection of my credit and there is nothing that I have signed for them since they used my information and did not respond to the letter that I sent them more than 4 months ago. 
XXXX XXXX XXXX  {$350.00} Jefferson capital syst {$1400.00}
Consumer complaint received 2024-02-16
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Accounts Management, Inc (NE)

Today I spoke with XXXX XXXX, and a receptionist for AMI attorney who was combative and wouldnt let me talk until we had a shouting match or wouldnt let me talk before she over talked me ( also very unprofessional for for a receptionist for a lawyer for a company ) and also finally he attorney for AMI ( I have left 3 total messages since beginning of XXXX and no call back ). Explained to all three I still have NO itemized statements and the bills being sent to old addresses and my work is inappropriate since they are addresses in South Dakota and I live in Nebraska. I have asked they stop sending to old addresses several times now. I have also received these in Nebraska to my home by the XXXX XXXX sheriff for wage garnishment. I received from XXXX XXXX sheriff in XXXX before the XXXX XXXX in South Dakota started going to our old addresses and mine and my husbands work in South Dakota late XXXX and early XXXX. I talked with XXXX the same day as my last complaint but never did received actual itemized bills. Nothing but an amount from AMI and they dont equal the total they claim I have. These are mystery bills because even XXXX wont tell me who they are from or what they are for. I believe these to be possible fraudulent claims. They sent three papers with AMI on them and a statement total but not what they are for or a break down with dates and places I owe. I believe these to be incorrect but because they want to just take money without showing what it is or why is highly alarming. 
We are currently behind in bills that weve been trying to catch up with for a few months so theres not extra wiggle room to just give to them. XXXX told me he wants a breakdown of my bills on paper back in XXXX and I told him we have no money and they can not take that for an answer so they said they will wage garnish us anyways and then make it so we lose everything because that is what would happen if they want to take large amounts. I believe this to also be very illegal.
Consumer complaint received 2024-02-16
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (WA)

XX/XX/XXXX I used Wells Fargo online bill pay to write a check to XXXX XXXX XXXX XXXX, the agency providing XXXX care to my terminally ill mother. Wells Fargo removed {$8400.00} from the checking account but the agency never received that check. I visited a branch to try to resolve the issue. A personal banker sat with me for 2.5 hours calling Wells Fargo customer service. By the end of the 2.5 hours I was told that they were escalating the issue and that I would hear from them in 2 weeks. At the end of 2 weeks, on XX/XX/XXXX, Wells Fargo emailed me a letter telling me they had closed the case. The letter said they had attempted to reach me by telephone but I had received no phone calls and no voicemails. I called the customer service number provided in the letter 2 times on XX/XX/XXXX and 1 time on XX/XX/XXXX. I was told that the case owner would call me back, but he did not. I was also told that a new case was filed and I would have to wait another 2 weeks, which I think is unfair. I was also told that I was given the voicemail of the supervisor of the case owner and I left a message on that person 's voicemail. I did not receive a return phone call. When I called customer service today, I was told that they are not able to give me the voicemail of the person supervisor, so I don't know whose voicemail I left my message on. I have not received return phone calls from anyone who can help me with my problem. The people at the customer service number can not do anything to solve the problem. The agency that provided care to my now deceased mother is threatening me with late charges because they never received the check. I need Wells Fargo to put the money back in my account so that I can pay this bill. I don't know what to do. I feel helpless and infuriated.
Consumer complaint received 2024-02-16
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (VA)

I have a synchrony care credit card. I have only made two purchases on the card. One in XXXX and one in XXXX of XXXX. Each month I pay XXXX $ by way of automatic withdrawal. Each month I have an interest charge on purchases always over XXXX $ and one interest charge of over XXXX XXXX The card is therefore never able to get paid off. This company is stealing money from me.
Consumer complaint received 2024-02-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (AZ)

I asked my servicer, Nelnet, to change me to the SAVE repayment plan. They informed me that I would need to start a completely new application, which I then did. Three weeks go by, and I get an email saying that in order to continue with my application, I must make a payment immediately. My payments on my Income-Contingent plan were set for 2024 and were at {$0.00}. However, now they were not at XXXX and simply as a result of asking Nelnet to change my plan, they require money. 
I was not past due or in arrears. I was not in default. I just wanted a simple switch but they would not do it. 
I don't think I should have to pay them for them to do this simple switch. They seem incompetent and unreasonable. Plus, in their emailed request there is no indication that I will be put on the SAVE plan ; they simply wanted money, now, to continue. I told them to change it back and that I am filing a complaint. 
Nelnet is terrible. They fully deserved their $ XXXX fine for doing these types of things, and they are still doing them. They deserve another fine. I am unhappy having been switched to this terrible servicer.
Consumer complaint received 2023-08-10
Product: Credit card or 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: FISERV INC. (AZ)

Stimulus card was sent to a old address... I was XXXX  at the time and someone from the home we sold activated the card and withdraw all my Stimulus {$1400.00}. I was just recently released from XXXX XXXXXXXX  and irs stated they sent payment to debt card .I got transcripts of withdraws and notified them I wanted to dispute the charged and I filed with the federal trade commission and with the irs About the identity theft ..Irs stated that the card company should refund ..but card company money network denies any appeal.
Consumer complaint received 2024-08-13
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Confusing or missing disclosures — 
Company: Lendtable Inc. (CA)

I signed up for Lentable XXXX maximum match reimbursement. All I have to do is to contribute the max percentage of my company will match so I can get the full benefits of the matching. In return they reimburse the extra money that I contribute to get the 6 percent match. Originally I accept the XXXX dollars monthly fee. For example if I contribute another XXXX dollars more to reach the 6 percent match. They will reimburse me XXXX dollars minus the XXXX dollars fee every month. And on top of that I will owe them 20 percent from the money I make on my retirement or if I quit my job. Recently they raise the monthly fee to XXXX dollars so all the money I contribute to my hit the maximum match is getting taken by them every month plus I'm still owe them at the end. Today XX/XX/year> I received a email that to be able to continue the service I need to pay half of what I owe them from the XXXX match plus the reimbursement. Or if I choose to stop using the service I need to pay all of them in one lumpsum. They want me to repay them from my retirement account that will put me in a big financial burden. I believed that they're taking advantage of all the people that is sign up for this service. I cant pay this and I want to end this financial burden. I need help to investigate if they're violating the law. Thank you.
Consumer complaint received 2024-02-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (AZ)

XXXX XXXX  wrote wrong three ( 3 ) policies for my homes insurance. These three homes already had coverages from the mortgage companies, I sent XXXX a declaration forms to prove my case. XXXX acknowledged writing wrong policies, but they had sent me to Credit Collections Services ( CCS ) for unpaid premium. 
On XX/XX/XXXX I contacted XXXX in regards to this issue, XXXX reversed all charges and cancelled all three ( XXXX ) policies from inception, and wrote a letter to ( CCS ) explaining how these XXXX ( XXXX ) policies were written in error and requested for my accounts be deleted from collections. CCS refused it. 
I contacted XXXX again on XX/XX/XXXX ; XXXX XXXX at XXXX XXXX XXXX department also wrote a letter indicating all policies were written in error, and requested CCS to delete my accounts from collection, CCS again did noting about this. 
I went ahead and paid off all debts related to all three policies, because I had lost a XXXX points from my credit report due to these activities. I was also trying to close a mortgage loan at the same time, but paying off those dept didn't make any difference. 
when my issue still persisted, I contacted CCS on XX/XX/XXXX, response I got was that they didn't receive any correspondence from XXXX and they're not doing anything about my issue. Till date, I haven't been able to close my mortgage loan because I'm stuck between XXXX and CCS mess.
Consumer complaint received 2024-04-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

I am deeply dismayed by the situation at hand. Despite having diligently fulfilled my mortgage obligations through conventional means, without any involvement of foreclosure proceedings, I find it exceedingly frustrating to encounter erroneous remarks suggesting otherwise. I possess verifiable documentation attesting to the full settlement of my payment to XXXX. 

The presence of foreclosure-related comments on my credit report is not only inaccurate but also poses substantial challenges for me. As such, I insist on their immediate removal to accurately reflect the true status of my loan. It is imperative that XXXX rectify this matter promptly and ensure the integrity of my credit history is upheld without further delay. 

The verbiage on the status of this account is incorrect and improper, I NEVER experienced foreclosure proceeding and the credit bureaus should update and correct this matter. I have all documentation to fix and verify full payment of this loan.
Consumer complaint received 2024-02-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY ()

Got involved with company with connections to XXXX XXXX ( as an accredited investor ) for investments. {$5000.00} initially to join and then {>= $1,000,000} to make more money and then an additional {$20000.00} because we were making good money. When I asked for some back, my account was sold out and I received no money and ALL communication with participants stopped. I was out $ XXXX or $ XXXX XXXX.my savings!! 
XXXX
Consumer complaint received 2024-02-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (FL)

Recently obtain a copy of my credit report and ( CREDIT COLLECTION SERV ( Original Creditor : XXXX XXXX XXXX XXXX ) you are currently reporting debt to my credit report and also allowed under the fair debt collection practices act I am requesting that you allow me to validate the alleged debit please provide me with a breakdown of all the charges, dates of service and procedures give me including fees associated with the debit. 


Can you please provide me with this information as follows : -Validation of debt -please provide a breakdown of fees including any collections costs. 
-provide a copy of my signature with the provider of service to release my information to you. 
-requesting purchase agreement between the original creditor. 
-Cease any credit bureau reporting until debit has been validated by me. 
-revoking all rights of communicating with you through email, text, calls -also please provides with your license to collect a debt in my state of Florida.

My consumer laws were also vaildate Collection Agency has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection on my consumer report.

I have not been given a chance to dispute account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) Collection agency is violating my consumer rights by using false misleadin, misrepresentation and deceptive means.

Collection agency has no authority to furnish any account to a consumer reporting agencies Without providing any and all disclosures required by law and they are in clear violation of 12CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ) Please send this information to my mailing address listed above and except this letter as my formal debt validation request, which Im allowed under the FDCPA.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (NY)

In accordance with the Fair Credit Reporting Act this creditors ( XXXX XXXX XXXX, Comenity Bank/VCTRSSEC and XXXX and XXXX ) have violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy, 1581 USC 1681 section 604 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. I am demanding that these accounts be updated to Paid as Agreed and Never Late XXXX.
Consumer complaint received 2024-02-16
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CT)

XX/XX/scrub>XX/XX/24 overpaid Citibank credit card {$10000.00} XX/XX/24 requested refund of overpayment and was told to process refund online which I did. No additional funds beyond overpayment were requested or processed XX/XX/24 Charged {$470.00} cash advance fee and Citibank customer service says to wait until statement is issued and the fee will be reversed XX/XX/24 Statement issued and Citibank Customer Service refuses to refund the fee XX/XX/24 Supervisor XXXX says she will refund the fee XX/XX/24 Fee remains on statement and Citibank refuses request to refund
Consumer complaint received 2024-07-23
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: American First Finance, Inc. (NV)

Bought some furniture and was offered a loan no interest for 6 months while making payments owed about XXXX then after 6 months it went up to original borrowing amount. I borrowed XXXX  and just calculated that I have already paid them about XXXX so far.
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

I urge you to promptly remove this late payment from my account, as it does not accurately reflect my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Please update my account promptly.
Consumer complaint received 2024-04-13
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: Experian Information Solutions Inc. (NY)

This account was charged off on XX/XX/XXXX on experian, it also states on XXXX it was charged off in XX/XX/XXXX, it shows no payment history on XXXXon experian every month it charges off in the months XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, shows no data in XX/XX/XXXX and Charges off in XXXX XXXX.on XXXX to shows charge off XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX XXXX on experian it shows 120 days late in XX/XX/XXXX and on XXXX it shows 120 days late in XXXX XXXXon experian it shows date of late payment as XX/XX/XXXX and both XXXX and XXXX it shows no date of last payment.On experian it shows no balance update and no balance, on XXXX it balance updated XX/XX/XXXX and {$0.00} balance and on XXXX it shows balance up dated XX/XX/XXXX and {$0.00} balance.this inaccurate information falsely manipulates my credit worthiness and it's hurting my ability to obtain credit.You failed to investigate this account properly and your neglect has violated my rights.I am demanding a deletion of the following account : Accounts Name XXXX XXXX XXXX -Account Number XXXX Enclosed is a copy of my most recent credit report