davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

OFFICIAL CONSUMER COMPLAINT and FORMAL DEMAND a thorough CHECK of the required CERTIFIED COMPLAINT REPORTING OF PHYSICALLY VERIFIED valid, true, accurate, complete, and timely of the reported alleged claims. Furthermore, I challenge you to provide evidence supporting these claims. As a consumer, I have the right to contest the reportability of any information that is deficient in any way. I demand that you promptly and PERMANENTLY delete any alleged claims of inquiries, delinquencies, or derogatory remarks if you are unable, unwilling, or fail to demonstrate lawful evidence as requested throughout this notice. This removal must be carried out without exception or delay.

To Whom It May Concern : My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies of reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards. 

As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. 

Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters from a consumer. If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action.
Consumer complaint received 2024-06-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (CA)

I have been attempting to use Cash App for some time now but every time I create an account Cash App tells me I'm banned from their platform and not allowed to use Cash App. I requested a detailed reason why I'm not allowed to use Cash App anymore and the company did not respond to me. There is no reason for banning me from using the Cash App platform as I have not done anything wrong or broken their terms of service agreement. This is a terrible financial company who can steal your money and ban you at any time for no reason at all. I would like specifically to know the reason why I have been banned from using Cash App and I would like to submit a dispute against that claim ( if any at all )
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (OR)

Form letter received. 

Loan stated on Great lakes website PAID IN FULL. 
NELNET refuses to honor this discharge in XXXX and provided standard form letter stating they were not discharged. And continues to expect payment after discharged in XXXX. 

These loans were discharged, NELNET needs to remove any and ALL credit reporting regarding those discharged loans in XXXX. 

Bringing back up in XX/XX/XXXX after XXXX  years saying we owe is wrong! 

YES they were! Read above. 

Loan discharged in XXXX from Great Lakes. Last attempt to contact them on their website said account PAID IN FULL. Nothing reported on credit bureau reports no contact/ letters, any communications from Great Lakes or any other organization for XXXX  years until massive data dump XX/XX/XXXX with several duplicate entries which are incorrect showed up in credit report by Nelnet. No previous contact, no correspondence sent us mail, attempted to contact to advise loan discharged XXXX no response. Emails continue. Last email received XX/XX/XXXX we sent back to sender not our debt. This was completely discharged in XXXX by Great Lakes. This is not our debt! Nelnet needs to remove this incorrect fraudulent reporting from any and all credit bureaus including the secret ones, XXXX XXXX  and others and cease and desist further communications! Identity theft occured 3 separate occasions, they do not have the correct name on this correspondence. Freeze in force with credit bureaus, complaints filed View full complaint
Consumer complaint received 2024-05-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/2024, and I have not yet received a response.
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FORD MOTOR CREDIT CO. (GA)

Dear Ford Motor Credit, I am writing to address concerns about our agreement and the handling of my financial affairs. Upon reviewing our agreement, I have identified significant discrepancies and breaches of trust on your part.

I extended my credit with Ford Motor Credit in good faith, expecting that my security would be traded on the secondary stock market as agreed upon. However, it has become evident that Ford Motor Credit has failed to fulfill its duties adequately. I discovered that your organization was relying on the assumption of my incompetence, hoping that I would not notice the waiver of my rights to the security interest. 

Despite my initial oversight, I am now fully aware of the situation and am prepared to take appropriate action. I understand that while I may have waived certain rights, you are still obligated to issue my billing statements. Furthermore, I am competent enough to recognize that I must accept my dividend check at face value and return it to ensure proper balance in the books.

It is unacceptable for Ford Motor Credit to tarnish my creditworthiness unjustly. Your actions, including the reporting of late payments, while engaging in security fraud, are egregious and must cease immediately. I remind you of your obligation to adhere to the Fair Credit Billing Act ( 15 U.S.C. 1666 ), which requires financial institutions to adopt reasonable procedures to ensure that consumers receive billing statements. Moreover, under the Uniform Commercial Code ( U.C.C. ), specifically 1-302, any attempt to limit rights and remedies for failure to comply with obligations is unenforceable. Additionally, Ford Motor Credit 's failure to send billing statements via certified mail, thereby knowingly committing mail fraud, violates Title 18 of the United States Code ( U.S.C. ) 1341.

I demand that Ford Motor Credit rectify the situation promptly. You have 30 days from receipt of this complaint to update my account to " paid as agreed, never late. '' Failure to comply will be considered willful noncompliance, which is a violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), specifically 1681s-2 ( c ) ( 2 ) ( A ). I will pursue further action, including rescission of the waiver of my rights to the interest and a level 3 forensic audit.

I expect prompt and decisive action to resolve this matter and prevent any further harm to my financial standing.

Done in good faith.
Consumer complaint received 2024-06-03
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (TX)

On XXXX XXXX I went to pick up meds at the XXXX XXXX After getting a little food I went to check my Balance. There was a Bill pay debit across my Check ing account that left. I didn't know who it was. But I called the Bank to stop payment and returned my XXXX Check funds to my Checking Account. They told me ar Wells Fargo bank that I have to wait until they invegate my Checking Account before they can give me my money back without another banks information at all from where this Bill pay Debit was from.
Consumer complaint received 2024-02-11
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: LendingPoint Holdings LLC (VA)

This company is attempting to collect a debt which been sold in order for the seller to circumvent arbitration and it's proceedings. There is no sell or trade of the factual account in the originated arbitration just information such as phone email text buy no mention of selling the debt to a junk debt collector.
Consumer complaint received 2024-02-09
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (CO)

On XX/XX/XXXX Chase Bank notified me stating that my accounts have been closed. 
How is received letters from them? 2 separate locations? One stating that they close my account on the XXXX. The The sapphire account was closed on the XXXX of XX/XX/XXXX I received a check for {$27.00}. 
About a week later I received a second letter stating. I was going to receive a cashers. Check in the amount of XXXX XXXX XXXX dollars I never received said check. 
I contacted the bank XX/XX/XXXX at XXXX XXXX XXXX XXXX XXXX was told by customer service that they needed to transfer me to the fraud department. Spoke with the lady in the fraud department. She stated to me that I. Needed you to verify my identity. So I did such. Once I verified my identity to her. Explain to her the letter and she stated to me that the account had been closed and there was no money in the account. Because the online account was holding my money hostage until they get a green light. And they get a go that I can get my money back. Why would a bank send you a letter stating that they sent a casher 's check? Knowing that this had never happened. 
In my eyes that's considered as Theft. 
So if we as citizens are charged with theft? When we steal something, why is the bank not liable And not be accountable for their actions.
Consumer complaint received 2024-01-18
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: National Credit Adjusters, LLC (CA)

Original account was with XXXX XXXX, it was bought by National credit adjusters in XXXX. In XX/XX/XXXX, I disputed it and it was removed. In XX/XX/XXXX it was placed back on my credit report. This is illegal and I want it removed for good.
Consumer complaint received 2024-02-11
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: AMERICAN EXPRESS COMPANY (FL)

My wallet was stolen and used to get a credit card and buy and XXXX plane ticket. 
On XX/XX/2023. 
This was not me and as I have told American Express I have reported it to the police. 

XXXX XXXX has also been notified and has confirmed a fraudulent booking. 

I have been unable to get any help from American Express.
Consumer complaint received 2024-02-09
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: CAPITAL ONE FINANCIAL CORPORATION (TN)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Consumer complaint received 2024-06-03
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: Klarna AB (OR)

I signed up to become a member of a ( scam ) company called XXXX on XX/XX/XXXX. No specific date was given for when we would receive access to the " member store '' online or get our " debit cards '' but at sign up it stated XXXX weeks. At the end of XXXX weeks they extended the date another XXXX weeks, and so on and so forth for about XXXX months. The company kept hosting zoom meetings whereby they moved the date of releasing the membership cards and website/store access. Different excuse and explanation, but very believable so I kept holding on waiting for my " merchandise '' access card to arrive so I could utilize the benefits I paid {$540.00} using Klarna. 
On XX/XX/XXXX, the company sent an email stating they were ceasing operations. I had already submitted a dispute with Klarna for non-receipt of merchandise. Then later switched to request a chargeback due to fraud. Klarna has a XXXX  month policy of refunds after services or purchases. I have been in 'dispute ' since the end of XXXX with Klarna XXXX They keep asking for the same exact information over and over again, which has only increased the amount of interest I'm paying on this fraudulent charge. XXXX XXXX XXXX never delivered on their promise, and I had already requested a dispute with XXXX before I was notified that the merchandise would never be sent. I first disputed on XX/XX/XXXX, then had to restart the dispute on XX/XX/XXXX, which I submitted several screenshots of proof they requested. On XX/XX/XXXX, Klarna asked for the same proof they had before, then closed the dispute after I told them I'd already given them what they asked for. they reopened it after I called them, then once again I submitted the same information, plus more details after XXXX had shut down. On XX/XX/XXXX, they emailed me yet again asking for the SAME information, and closed my dispute today XXXX because I am not giving them what they ask for ( yet I have XXXX times! ) which is the most recent document in XXXX I have from the company stating that the new company launched named XXXX, and we were all transitioning from XXXX to XXXX and access to the member deals would be coming soon. They continued to promise to mail cards, during their zoom meetings but I never recorded the meetings. 
I have filed an FTC report about the fraudulent company : XXXX. This is run by a man with a history of securities fraud ( " We also reported on XXXX being criminally charged with securities fraud in XXXX  back in XXXX. The charges pertained to XXXX running XXXX XXXX schemes, which authorities claim XXXX defrauded consumers out of ~ {$10.00} XXXX dollars through. XXXX pled guilty to XXXX count of XXXX XXXX XXXX XXXX ( page XXXX ), a second degree felony, in XXXX. '' )
Consumer complaint received 2024-02-09
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: PENTAGON FEDERAL CREDIT UNION (AP)

On XXXX XX/XX/2024 I initiated a international wire transfer from the Pentagon Federal Credit Union Branch on XXXX XXXX to pay for XXXX vehicles. I provided them with the dealerships company name and address along with the banks Swift code - branch number and address. The attached document shows that the teller entered the beneficiary country as XXXX and state as CA. The teller also misspelled the beneficiary address and did not include the bank branch number on the Swift code. She stated that it did not matter as long as the Swift Code and Account number were correct. The Penfed receipt for the wire transfer shows the transfer amount of {$16000.00} USD will be exchanged into XXXX EUR. I requested exchange into XXXX XXXX not XXXX The dealership never received the funds so I had to pay another {$16000.00} dollars ( paid in XXXX ) to obtain the vehicles. On the XXXX of XX/XX/2024, I request a trace be done to determine where me funds are or ended up. To date PENFED has not provided me wit this information. They keep telling me the " Wire Department '' is looking into the issue. I have no way to directly contact the " Wire Department '' and the customer service is playing phone / email tag with this " Wire Transfer '' department. Meanwhile I my funds have not been returned or located. I would like a refund as it appears PENFED did not fill out the wire transfer correctly and the funds have been lost or misspent.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-19
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (GA)

The company ( National Credit Systems ) is reporting a balance owed that I've disputed now a couple of times with them. The original creditor ( XXXX XXXX ) did not send me a list of proposed deductions within 3-5 days of me moving out as required by law in Georgia, also per the lease under # 39 of the agreement. After receiving this list, I should have had the opportunity ( until the 5th day ) to come back and remediate the damages if so chosen to do so. I did receive a move out statement 4 days after vacating and then several additional times after that. They continued to send me the same final moveout statement and did not show any damages for carpet repair or replacement. Roughly about three weeks later, they sent me another statement saying they needed to replace the carpets due to stains they could not clean. I lived in that unit for 7 months and did not allow walking in the unit with shoes, there were no pets, and my family and myself only ever ate in the kitchen. Upon receiving these claims, I asked them to send me photos of the carpets ( all 3 bedrooms ), which she was not able to provide. The rep eventually stopped responding to me and there never was a resolution. I have since tried to dispute this with their representing agent ( National Credit systems ) to no avail. XXXX XXXX has since gone out of business and National Credit Systems refuse to give me any contact information for the individual who they spoke to when handling my dispute. I am in the process of filing a complaint with National Credit Systems as well for violating my privacy rights. I am totally fine with paying my true balance of roughly XXXX, but I am not ok paying the additional XXXX. This has significantly affected my credit rating as well as my ability to obtain housing. During the months there, I had no issues with them and my rent was consistently paid on time. A satisfactory result for me would be for them to allow me to settle based off of the XXXX amount originally stated that I owed. I have since dealt with aggressive conduct from their agent XXXX XXXX, ( I can provide full name later ) who has hung up on me ( phone call on XX/XX/XXXX at XXXX XXXX ), violated my fcra privacy rights on XXXX by answering the call asking me for my name then immediately beginning to discuss my account with me before verifying my information ( account #, last 4 of s.s.n, address, telephone number, email for verification purposes per their company policy ) or stating their disclosure of being a debt collector. Dealing with this company has been a nightmare, please help. I have more documents I can provide as proof including XXXX changing my balance to XXXX through their dispute process which resulted on XX/XX/XXXX- via report number XXXX