davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-28
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Coinbase, Inc. (MS)

Commencing on or around XX/XX/2022, I fell victim to a multilayered scam operation orchestrated by XXXX ( the Company ), with the design, development, manufacturing, promoting, marketing, distributing, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients through a predetermined cycle of client losses to gains in the equivalent of XXXX $ through Coinbase Apps.
Consumer complaint received 2024-05-24
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: EQUIFAX, INC. (NY)

I'm aware that FCRA 605B mandates the removal of any incorrect accounts from my credit report. This account is inaccurately listed on my credit file, so please remove it. I am entitled to {$1000.00} for each incorrect reporting on my credit file.
Consumer complaint received 2024-08-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC (MD)

I am writing regarding a matter of concern in my credit file. I've noticed a collection entry from your agency that I was not previously informed about. Moreover, I have serious doubts about the accuracy of the claimed debt. Under the Fair Debt Collection Practices Act, I am entitled to request debt validation. Therefore, I formally request that you provide the necessary validation and take appropriate steps to address this issue. 

Please note that a comprehensive response, including all requested items, must be provided within 15 days of this letter 's date. Be advised that failure to provide a satisfactory validation response within this timeframe will be considered inadequate. In such a case, I will be compelled to initiate legal proceedings to seek monetary compensation for the violations that have occurred.
Consumer complaint received 2024-08-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Harley Davidson Financial Services Inc (CA)

Harley Davidson was paid the debt owed of XXXX by a collection agency called XXXX. The account number for Harley is XXXX. The new account number through XXXX  for this debt after it was paid off by XXXX XXXX  is XXXX. I called and negotiated with the collections to pay XXXX to settle the debt. As of XX/XX/XXXX the account with the collections for this debt was resolved and closed for the amount of XXXX. I submitted the receipt from XXXX XXXX  to XXXX. XXXX XXXX  phone number is XXXX they can be called to verify. Harley should not be submitting information that I owe them when they received payment from XXXX already. XXXX also verified that Harley does not receive any money since they already received money from the collections. Harley is sending false information to the credit Bureau stating that money is still owed to them. On my last statement with Harley it says XXXX is owed to them due to them being paid by XXXX XXXX.
Consumer complaint received 2023-04-14
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: EQUIFAX, INC. (FL)

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please delete these immediately 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
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: The Savings Group, Inc. (WI)

I made an application to refinance my car and authorized the company XXXX to make a hard inquiry in my credit report but they pulled 3 hard inquiries in my credit report and also shared my information with 3 different banks, this will affect my credit a lot, I did not authorize them to do 3 hard inquiries in less than 2 days, this is a lack of respect for consumers.
Consumer complaint received 2024-08-09
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Bankruptcy
Company: Navient Solutions, LLC. (IN)

Navient is violating the CFPB 's compliance bulletin and policy guidance. The loan Navient services meets all the criteria to be discharged with a general order of discharge in bankruptcy. Navient continues to say this loan is in repayment which is a direct violation of the CFPB 's compliance bulletin and policy guidance. This loan is not a qualified education loan. Instead of providing meaningful actions to resolve this, Navient continues to deflect from the issue at hand, that they are willfully violating CFPB guidance.
Consumer complaint received 2024-08-09
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: WELLS FARGO & COMPANY (IA)

I had Wells Fargo write a cashiers check that I decided to stop payment on. The check was written on XXXX, XXXX. I recieved notice from that they were successful in the stop payment, but I would have to wait XXXX  years to refund my money. Wells Fargo says they are responsible for payment and not me. My question is this true? The check amount is {$560000.00}.
Consumer complaint received 2024-06-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2024-06-21
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. (NJ)

I was unaware of these charges from these companies someone used my information to get credit from XXXX of the same companies and this company couldn't tell that was fraud why would I open XXXX different accts with a company that's the same with XXXX different names
Consumer complaint received 2024-08-07
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (IL)

Fraud was committed on credit card on XXXX XX/XX/year> by a XXXX XXXX for XXXX EUR. 
Dispute was noticed on XXXX XXXX shortly after the charge posted for XXXX EUR. 

On XXXX XX/XX/year> I was notified that the dispute was closed against me automatically and that I am liable for the disputed purchase. 

I want Citi Bank investigated for not protecting me from fraudulent charges even though they claim to and not investigating fraudulent charges. I would like my money refunded to me for charges I did not make, that Citi said it would protect me from. The card does not have a PIN even though I want it to have one for security purposes. 

I did not make this transaction, the credit card company Citi did no due diligence to contact the merchant and to prove that it was valid or that I made the purchase. They made no attempts to get billing receipts from XXXX XXXX XXXX. 

Citi bank credit card representative said because a physical card was used for the transaction, and because transactions were made after the transaction, the dispute is automatically resolved in the merchants favor. This makes no sense, and they are clearly trying to shirk their responsibility. The Citi employee I spoke to refused to reallocate the dispute or re-open it as services not rendered. 

I attempted to reach out to XXXX XXXX XXXX and was not able to even get in touch with this merchant as they exclusively speak XXXX, a language I can not even speak. XXXX does not even offer individual consulting services, they only do marketing to businesses. This case is so obvious I am shocked that Citibank Credit card services can harm consumers and get out of their contractual obligations with no consequences.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am attaching the detailed letter regarding the XXXX XXXX account number ending XXXX, in which on multiple occasions I spoke with this company to explain the reason for my late payment that had been due to a fraud issue and they told me to please send them a letter in writing explaining everything. 

This letter was received and I was notified that the account was going to be corrected then they sent me a letter explaining that they could not change this situation since they had to accurately report the report, where I express that due to fraud they should give me the necessary help since it negatively affects my credit report and my reputation.
Consumer complaint received 2024-08-07
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Financial Assistance Inc (MD)

Formal Complaint Regarding Duplicate and Inaccurate Reporting of Charged-Off Debt Dear Consumer Financial Protection Bureau ( CFPB ), I am XXXX XXXX XXXX SSN : XXXX ). I am writing to formally report and dispute erroneous credit reporting by XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX collection agencies concerning a charged-off credit card debt. The details of this issue are as follows : Collection Agency XXXX : Account Number : XXXX Reported Balance : {$4600.00} as of XX/XX/year> Collection Agency XXXX : Account Number : XXXX Reported Balance : {$4600.00} as of XX/XX/year> These entries represent the same charged-off credit card debt yet are reported twice on my credit report. Moreover, the amounts differ, indicating a clear discrepancy that reflects inaccurate reporting. 

Violations and Consumer Law References : Fair Credit Reporting Act ( FCRA ) : Both XXXX and XXXX have a responsibility to ensure the accuracy and completeness of the information they report. The presence of duplicate entries and mismatched balances is a direct violation of FCRA Section 1681e ( b ). 

Fair Debt Collection Practices Act ( FDCPA ) : The XXXX collection agencies are potentially violating FDCPA by attempting to collect the same debt twice and misrepresenting the amounts owed. This raises concerns about deceptive and unfair practices. 

Fair Credit Billing Act ( FCBA ) : The discrepancies between reported balances from the same origin debt highlight a failure in compliance, affecting my rights under FCBA for accurate billing and reporting.
Consumer complaint received 2024-08-07
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (WI)

On XX/XX/year>, I received a notification from American Express stating that our company 's rebate benefits on our XXXX XXXX American Express Card would be reduced from 5 % to 3 % due to a change in our XXXX XXXX membership status. This reduction was unexpected as our corporate XXXX XXXX membership remained active and unchanged. 

Prior to this, on XX/XX/year>, an employee named XXXX XXXX resigned from our company. As part of her departure, her XXXX user account and Amex card were XXXX. Despite these actions, our company maintained our corporate Prime membership and Amex corporate card, but it appears that the deactivation of her account may have triggered an unintended change in our XXXX XXXX membership status, leading to the reduction in benefits In response, I immediately contacted both American Express and XXXX customer support through chat and phone on XX/XX/XXXX and XXXX, XXXX, to resolve the issue. During these interactions, each company directed me to the other, claiming that they were not responsible for the reduction in benefits. 

On XX/XX/year>, I followed up again with phone support from both companies and was advised to re-link our American Express card to our XXXX account and set it as the default payment method for our XXXX membership. I also attempted to link our rewards points to the XXXX account as suggested. Despite these efforts, I received an error message, and the issue remains unresolved. 

Throughout this process, I have been unable to restore the original 5 % rebate benefit, which is a significant aspect of our business expenditures. The lack of resolution, despite following all suggested troubleshooting steps, has resulted in frustration and financial impact on our company. 

I am seeking immediate restoration of the 5 % rebate benefits for all eligible XXXX purchases made under our XXXX XXXX American Express Card and a prompt resolution to this ongoing issue.

I '' m attaching a copy of the letter from American Express revoking our rewards, proof that we have an active prime membership linked to XXXX and our card, and screenshots of the various error messages.
Consumer complaint received 2024-08-07
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: SUNRISE CREDIT SERVICES, INC (NY)

Recived a noticed that I had a collection on my account on the XXXX of XXXX. I have been receiving calls with no one speaking from various numbers for past couple of months, attempted to call XXXX the XXXX XXXX, mutiple times just to be hung up on or call transferred after asking to speak to someone. I had no idea or contact regarding this bill since it goes back till XXXX of XXXX. Thats over 4 months and prior to that of no communication or contact prior to being listed as a collection. I have requested proof of debt and have not received to home address or email I provided upon contacting someone the XXXX of XX/XX/XXXX named XXXX. I have tried everyday since up till the XXXX of XXXX to receive proof. 

numbers i have recived calls from : XXXX, XXXX, XXXX, XXXX, XXXX XXXX since XX/XX/XXXX. randome times thoughout day. would pickup and they hung up. 

number i called : XXXX - sunrise credit services. 

horrible communication, and no proof. I want this removed ASAP.
Consumer complaint received 2024-08-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/year>. XXXX XXXX XXXX spoke with one of the Bank Teller XXXX at this Branch Location. Upon speaking with the teller about depositing funds into my savings account. For some reason the teller had some issues about me depositing funds in my account after he had my State ID in hand. To identify me as the sole account holder. It was like I had to go through some security check point to deposit funds into my account. Questioning me about personal information that's on my credit report. During the whole process. When I finally made the deposit. To get {$40.00} back the same thing happened again. Just to get {$40.00} back from what I had deposit into my savings account. This particular Bank Teller was very unprofessional in what he was during. It seems like he was incoherent very hard of hearing. When I was telling him what I wanted to deposit the funds into my account. I had to repeat my self over and over again. Then later that evening my debit card was deactivated along with my savings account card deactivated. Why was this? I never told anyone about deactivated my cards. Around XXXXXXXX XXXX. on XX/XX/year>. I called Wells Fargo customer service number and spoke with a representative. He took my information and hanged up the phone in my face. I called back around XXXXXXXX XXXX and spoke with another representative. He lied and said my card to my savings account was active. When I checked it was the same situation again deactivated. This matter need to be dealt with seriously. 
On the other hand many issues keep coming about with my account. I opened a new checking account awhile back and my checking and saving card was sent to the wrong address on file. When I specified to send to my mailing address. Instead it was sent to the wrong address. Instead to my mailing address I have on file.
Consumer complaint received 2024-08-05
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (MA)

On XX/XX/XXXX we purchased instacart plus using the chase Sapphire reserve credit card. Expecting it to be a part of the promotion offered by Chase that a year would be reimbursed for instacart plus if purchased by XX/XX/year>. We purchased by the end of XX/XX/year> and they said that it needed to be purchased by XX/XX/year>XXXX XXXX
Consumer complaint received 2024-08-05
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK (MD)

I had a {$3000.00} credit limit with Discover Card. 

I maxed out the limit and my account was suspended last year in XX/XX/XXXX. 

I had a 0 % introductory interest rate for one year when I opened the account in XX/XX/XXXX. 

I started paying back the balance but it wouldn't go down. I asked them what was wrong. They said that I was incurring late fees and return check fees. I said why? They said that when my auto pay hit my account if there was no money in the account they were charging me a {$41.00} return check fee every single time including when they themselves went back to try to withdraw money from my account. 

The thing is I have my auto pay set up to my cash app account and my cash app account didn't always have money in it, but I was always responsible and I always paid every single month. I figured that if the payment bounced back, it wasn't that big of a deal because I would always turn back around a couple of days later, put the money into my cash app account and pay my monthly fee. 

I also incurred some late fees and then my XXXX XXXX  this year in XXXX. I understand the XXXX is something that I can not change but I have paid over {$1000.00} on this account and my balance is still {$2800.00}. That makes no sense whatsoever. 

I sent them a letter and I said I'm only willing to pay up to {$1800.00}. They said that they are not willing to offer me a settlement. They also said that they are not willing to close the account or charge it off because I've been paying consistently. That's actually a problem because if the account were charged off it would stop accruing interest and I could actually pay off the debt. At this rate it says that I won't pay off the debt for 11 years but it is only {$3000.00}! 
I spoke with numerous hostile employees but one employee finally told me that she is going to work with me and request that the company take off the return check fees which are incredibly numerous and they're {$41.00} a piece. She said there's no guarantee and she also said that the company will not let me know that they've done that or not and then I will just have to check back. 

I'm writing this complaint to you all in the consumer finance department to have them be forced to take off those return check fees because for XXXX my bank confirmed that they do not charge the company any fee whatsoever when things don't come back, and on top of that I always paid my monthly bill. I have statements from my bank going back to XX/XX/XXXX where I have consistently paid every single month and what has been my reward for paying every single month, not a thing!
Consumer complaint received 2024-08-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (WA)

I have deeply concern about the way Morgan Chase Bank does their business. I linked an external account of mine ( at XXXX XXXX XXXX  ) for transfer purpose, which was confirmed by Chase and I was also able to transfer my money to this external account. However, in order to prevent me to further transfer money from Chase to my other bank account, Chase required me to go to a local branch and explain to them the reason, even I don't believe Chase has the right to ask this question, I went to a Chase local branch and answered their questions. However, Chase still deleted my external account without my notice and permission. In order to add my external bank account again, I have to go through the length validation process. I highly suspect Chase bank want to play an unfair competition with other banks. 
I believe as a customer, I have the right to freely transfer my money between my accounts at different banks. What the Chase had done with my account is illegal.
Consumer complaint received 2024-08-05
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Upstart Holdings, Inc. (CA)

This account represent a clear breach of contract and are fraudulent in nature. The bank failed to provide me with essential information regarding this fraudulent account, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. The account is : XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Maximus Federal Services, Inc. (FL)

I would like XXXX to remove the filing as it creates a XXXX of impairment and does not promote equality in the social economic venue of personal contracts and unalienable rights devoted to the consumer account violation of the following with consent to remove from the consumer is willful intent to injure and neglect the following complain under XXXX usc XXXX fair credit accuracy and purpose