davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-08
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (FL)

I had XXXX XXXX XXXX XXXX  in XXXX. Cancelled at the end of promo and returned the equipment, paid the final bill. I never received any notification that any additional payment was due. A few months ago, I noticed a derogatory remark on my credit report from I C Systems. When I called XXXX XXXX XXXX to dispute, I was told it was from XXXX XXXX. I said that I want to dispute the charge because it was not mine. They emailed me a dispute affidavit and it turns out the account XXXX included in the email was for my old cell phone account. I also requested proof, statements and nothing was ever provided. 

I have personally disputed the charge and XXXX XXXX did as well, to no avail. Additionally, I subscribed to XXXX XXXX XXXX XXXXXXXX XXXX again in XXXX and was approved. Still never had a single notice of any old debt. Also had my cell phone service with them from XXXX, again never heard anything about any past due balance. I do not understand how they can put this on my credit report 10 years later after not contacting me to collect it. This is a mistake on XXXX XXXX XXXX  end and they refuse to be accountable for it.
Consumer complaint received 2024-07-06
Product: Debt collection — Rental debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: National Credit Systems,Inc. (FL)

I have repeatedly asked, during communications about this debt, for pertinent information related to this debt. I have asked for original proof of the debt with my original signature, which they have not been able to provide. I will not accept a photocopy ( which they can't even provide and have not even provided ) ; I need actual proof. I have also asked for proof of sale of this debt from the presumed original debtor to the collection agency, the reason they purchased it, and the amount for which they supposedly purchased it. I have also asked for proof of original dates, and they have refused to comply and give me any of the pertinent information pertaining to this debt. Yet they continue to violate law 15 USC 1692c, with rude, repeated, and threatening calls and communications pertaining to a debt they can't even show me actual proof of.
Consumer complaint received 2024-07-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc (AR)

I have been trying to get my XXXX from Paypal and or XXXX or XXXX. This happened XX/XX/2024. I have sent emails to all the companies asking to be refund the XXXX. 
XXXX stated I had to contact Paypal. I opened a dispute with Paypal. They send an email to XXXX. XXXX stated they had sent me the program. They did but as I stayed I did not want or need the program. Per Paypal XXXX sent me the program. I do not want or need the program which I have stated since XXXX that I did not want or need the program. 
I want my money back. I keep stating I want my money back. I have no need for XXXX program which I have stated to Paypal and XXXX. Paypal states they are siding with XXXX and will not refund my money because the program was made available to me. 
I don't want and or need the program. The account was closed XX/XX/XXXX but I have not received my money. I don't understand why I can be told what to do with my money. I told Paypal they can side with whomever they want to but not with my money. All I want is my XXXX back.
Consumer complaint received 2024-08-16
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. (GA)

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 XXXX XXXX XXXXXXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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 records of convictions of crimes 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.
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (GA)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. 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 in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-07-05
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: SOFI TECHNOLOGIES, INC. (CA)

I am a XXXX XXXX  who opened a SoFi account to get a higher interest rate on the money I had saved for college. The SoFi website says that either a passport or driver 's license can be used to establish identity. I opened the account on XX/XX/XXXX. I used my passport to open the account, as well as my SSN. 

On XX/XX/XXXX, I received an email that my account was restricted. When I talked to someone in customer service, I was told that only a driver 's license could be used. 
Every time I have called SoFi, I have been told that someone in the security division is investigating it and will contact me back. I have never received an email or phone call. 

I did get my driver 's license in XX/XX/XXXX, but I can't get any information about how to upload it to release my account. I called SoFi again today ( XX/XX/XXXX ) and received the same response that someone in Security will get back to me. I have no faith that this will happen as they have never called me back before. 

Since they have no physical locations, I don't know what recourse I have to release my funds. I will absolutely be leaving SoFi as soon as I can get my college savings back.
Consumer complaint received 2024-07-05
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: National Credit Systems,Inc. (OK)

XXXX XXXX XXXX took me to court in XXXX of XXXX for XXXX plus dollars. She said I failed to pay a deposit and wasn't receiving XXXX funds. We had 4 court dates. On the 4th day, I was tired of going back and forth. The judge threatened the plaintiff jail time if she was receiving funds. He also told her to return all funds if she received any since she wanted me out due to non funds. XXXX XXXXXXXX XXXX collected funds until XX/XX/XXXX after I XXXX XXXX  after last court appearance. XXXX states a XXXX dollar payment because I didn't go but ordered her to send funds back. This XXXX XXXX XXXX states XXXX dollars and XXXX paid over XXXX dollars. I've been disputed this since XXXX. XXXX XXXX XXXX says they're under new owners and all past collections were paid by insurance company. I need it removed from all credit bureaus
Consumer complaint received 2024-07-05
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: SOFI TECHNOLOGIES, INC. (NC)

Subject : Formal Complaint Regarding Delayed Check Processing and Insufficient Funds Notification Dear SoFi Bank Customer Service, I am writing to express my extreme dissatisfaction with the recent service I received from SoFi Bank. On XX/XX/year>, I deposited a check of {$4000.00} through the SoFi app, which assured me that the funds would be available by XX/XX/year>. Relying on this information, I processed a rent payment of {$2200.00} to be deducted on the same day. 

To my dismay, on XX/XX/year>, I received an email from SoFi stating that the payment was returned due to insufficient funds. This unexpected turn of events not only caused embarrassment and inconvenience but also resulted in a {$35.00} return check fee imposed by the merchant for the failed transaction. 

When I reached out to SoFi customer service to address this issue, I was met with a disappointing response as they refused to take any accountability for the delayed processing of my check or the subsequent fee incurred. This lack of responsibility and failure to rectify the situation has left me feeling frustrated and let down by the service provided by SoFi Bank. 

I am requesting a thorough investigation into this matter and a refund of the {$35.00} return check fee that was unfairly charged to me due to SoFi 's oversight. I strongly urge SoFi Bank to improve its communication and customer service practices to prevent similar incidents from reoccurring in the future. 

I trust that SoFi Bank will take prompt action to address my concerns and provide a satisfactory resolution to this issue. I appreciate your attention to this matter and look forward to a swift and positive response.
Consumer complaint received 2024-06-30
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (TX)

Follow up to FRAUD CHARGES on XXXX XXXX XXXXXXXX XXXX account. XX/XX/XXXX Spoke to XXXX and Synchrony bank. Synchrony responded 60 days later stating I need to pay the charges, but they did not provide additional evidence as to why. As I have stated before I was at work when the charges were made and my badge entry key is attached. 
XXXX XXXX finally responded to the complaint. That information is also attached. 
The XXXX XXXX XXXXXXXX receipt is listed below. This proves my innocence in this matter. I purchased a battery in XX/XX/XXXX, with a warranty, why would I need a battery 2 months later from XXXX? 
I placed a fraud alert through the Bureaus regarding this account. I also sent in a formal complaint to XXXX, Synchrony, XXXX and XXXX reviews.
Consumer complaint received 2024-07-06
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Payward Ventures Inc. dba Kraken (FL)

Dear Sirs, On XX/XX/year>, I was informed by XXXX ( XXXX XXXX ) that my account was being closed for security reasons This happened after I had transferred XXXXXXXX XXXX from my XXXXXXXX XXXX XXXX to Payward ltd., Karken 's Bank representative. 

From that moment on, I have been trying to get these funds back, all to no avail. I have sent countless mails explaining the situation, and for some reason it seems that they sent the funds elsewhere and to this point they have not only been able to find them but are avoiding restitution of this funds after more than 44 days of my account being closed. 

To me, this is just pure negligence and lack of accountability. 

I consider this a misappropriation of funds.
Consumer complaint received 2024-07-06
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Payward Ventures Inc. dba Kraken (AZ)

I was defrauded by unknown persons operating through the unlicensed financial brokerage platform XXXX, which solicited me to invest a substantial amount of money. All payments were made in way of crypto-transactions to wallets nominated as beneficiary wallets by the representatives of the unlicensed financial broker. Some transfers were made through my wallet hosted by www.kraken.com. I consider the beneficiary wallets to be an integral part of the fraudulent scheme behind XXXX. Based upon the understanding that www.kraken.com is acting compliant and will provide the due care towards its own wallet- holders, my legal representatives from XXXX XXXX XXXX XXXX XXXX XXXX XXXX sent a relevant request for provision of information to XXXX. Unfortunately, as of the date of this complaint, www.kraken.com has provided neither me nor my legal representatives with the requested information even though we have sent several follow-ups. By ignoring my request, www.kraken.com failed to provide the required information about the XXXX hosting the beneficiary wallets, where I have made a series of transactions to, respectively information that the beneficiary wallets were not hosted by a XXXX. By so doing, www.kraken.com does not refer to specific legal grounds, which justify their decision not to provide the required information. In my opinion, the lack of response from www.kraken.com represents a clear example of the mistreatment of my consumer rights as a consumer.
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NY)

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 
My personal information is as follows : Full Name : XXXX XXXX XXXX Date XXXX XXXX : Date of Birth : XX/XX/year> Social Security Number : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX New York XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 
Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-07-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC. (OK)

On XX/XX/year> I bought gas from a gas station named XXXX XXXX XXXX XXXX Oklahoma. On XX/XX/year> I saw that someone had used my account to buy gas at a XXXX in XXXX Oklahoma, two transactions totaling {$280.00} on XX/XX/year>. I contacted my bank to dispute the transactions and freeze my current card as well as have a new one sent to me, i explained that I have never been to this XXXX location and Ive never spent this amount of money in gas and I think a card skimmer was used. I was told that the investigation for the dispute would take a minimum of 10 days and if the bank had not made a decision I would receive a provisional credit for the amount I was disputing. On XX/XX/year> I received the provisional credit and then on XX/XX/year> I received an email stating the disputes had been denied and the provisional credit would be taken back out of my account on XX/XX/year>. I replied on XX/XX/year> and asked for the investigation to be reopened, on XX/XX/year> I received an email stating that the investigation would be reopened but I needed to provide new information that was not previously provided otherwise the investigation would remain closed and that SoFi is unable to advise what is needed in order to appeal the claim. I did not know what to send so I called and spoke with a representative and explained my situation and they said they would put in a note. I had not received any updates by XX/XX/year> and I had spoke to multiple representatives who told me that my appeal was open and that I would hear back within 10 business days and then when I called after 15 days I was told to just wait for an email. I finally replied to the email from XX/XX/year> to find out that my appeal had been closed and the investigation was not open so what I had been told by those representatives was not true. I would also like to note that the provisional credit that was taken out of my account put my account into the negative and the money in my savings was taken to cover the negative balance however it wasnt enough so my account was still in the negative. On XX/XX/year> I finally got the investigation reopened and I spoke with a representative named XXXX who I sent screenshots of all my transactions that I thought would be helpful. I sent photos of the transactions I was disputing as well as photos of all my previous XXXX transactions showing that I always go to the same XXXX and that I always spend less than {$100.00}. On XX/XX/year> I received an email stating that the appeal was denied and the investigation was officially closed and that I could request a copy of the documents SoFi used in determining the finial outcome of the investigation. I just want my money back and I dont know what to do. I have attached the emails I received from SoFi as well as the photos I sent to SoFi as part of the investigation
Consumer complaint received 2024-07-07
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Contacted by portfolio recovery associates , LLC on date of XX/XX/year> for debt owed to original creditor XXXX XXXXXXXX XXXX XXXX  balance of XXXX. Debt is over 7 years old a the company of portfolio recovery is a third party collector that had purchased the debt. Contact is unavoidable. Due to my legal standpoint this should be disputed. It is a FDCPA violation
Consumer complaint received 2024-07-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: UMB FINANCIAL CORPORATION (KY)

XXXX, has several names listed that are not me, will not remove them, also vehicles I have never owned and will not update info, they told me to delete it, so I did. Also I obtained a credit Card with XXXX XXXX thru XXXX XXXX XXXX, always made my payments on time, in XXXX I tried to login to my online account to make the payment, said my account didnt exist, I called XXXX XXXX XXXX XXXX they said they didnt know and they didnt handle it anymore, I called XXXX XXXX they said they dont know who to contact, they sold it to another company, never informed me of this until Late XXXX when I finally received a letter, I called and paid all past due and current balances, however they put against my credit, which was totally unfair, and now my XXXX card cancelled my card, due to UMB Bank putting against my credit, not fair to me at all, since I was never late on any of my payments, but tried to make the payment, but didnt know where or who to pay. I feel they ruined my credit and didnt bother to reach out to me, said they left several messages on my phone but I didnt get any messages, I did pay it once I received a letter from them, 3 months later. What a horrible way to do business, mostly due to XXXX XXXX switching companies without my knowledge. Please have them remove all negative activity on my account. 
Thank you
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NY)

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 
My personal information is as follows : Full Name : XXXX XXXX XXXX of Birth : Date of Birth : XX/XX/year> Social Security Number : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 
Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-05
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Incorrect information on your report — Account information incorrect
Company: SOFI TECHNOLOGIES, INC. (VT)

This lender approved a personal loan for {$30000.00} on XX/XX/XXXX. Loan agreements were signed. Prior to receiving any dispersement of funds, the lender required either a voided check ( which I don't have because I haven't used checks since XXXX ) or a bank verification letter. 

The latter took approximately XXXX weeks to acquire from my banking institution. In that time period, the lender deemed my account inactive (? ) and cancelled the loan. I discovered this when, after acquiring the verification letter, I was unable to upload the document in their web portal. 

I was instructed to reapply using the same portal and upon doing so I received ongoing Adverse Action notices that are entirely incorrect ( insufficient credit history even though I have XXXX  years credit history, insufficient credit score even though I have a XXXX score, etc... ). I have never received Adverse Action Notices until this personal loan was cancelled. 

These Adverse Action Notices are now appearing across all lenders even though they are inaccurate. I have contacted XXXX to check if there are any notices on my credit report and there are none. I have tried to resolve this with the lender directly for XXXX weeks. Their customer service representatives are unable to fix the problem on their end and can not /will not tell me the problem.
Consumer complaint received 2024-07-12
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: Paypal Holdings, Inc (GA)

I disputed a transaction with PayPal for {$430.00} PayPal refuses to refund me I contacted PayPal today. The representative had me on hold for over XXXX minutes. The total time I spent on the phone with customer service was a hour and XXXX minutes. I disputed a transaction because the hotel I stayed at had roaches and a nasty dirty filthy mattress Ive also submitted proof to PayPal and they just dont care