davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma (VA)

I have been using credit karma money spend account for my banking needs for a few years now. Out of nowhere on XX/XX/XXXX I get an email that my accounts were deactivated. On XXXX I had a direct deposit in the amount of {$790.00} but Im not able to access my money. After telling me my account was deactivated they finally told me my account is under review but with no explanation. Ive emailed them numerous times and all they tell me is the higher ups are handling it and they will email once the review is over. I need my money and if they plan on closing my account that is fine but they have no right to keep me from having access to my funds.
Consumer complaint received 2024-02-13
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: OPORTUN FINANCIAL CORPORATION (FL)

On XX/XX/2023 I received a letter from Oportun stating if I paid the charge off amount within 30 days of the letter my loan with them would be paid and closed. I paid the amount on XX/XX/XXXX as agreed and now every time I call the representatives as well as supervisors they are stating they have no record of this letter, no record of this debt charge off and that I still owe them. They are still reporting this to my credit as well as calling me continuously telling me that I owe. I also have not received a letter or email stating that I paid the charge off amount that was promised by the representative when paying. I am now feeling like I have to pay more money for a attorney just to have this company honor the agreement
Consumer complaint received 2024-02-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CITIBANK, N.A. (CA)

XX/XX/ I disputed a charge because I could not use the application I paid for. The merchant said they had no problem returning the money because as I previously stated I couldnt use the app. I spoke with Citibank & disputed the charge & they said they would do an investigation & it would take 30-60 days. Fast forward 2 months I call & they state they have no record of the dispute or the investigation & that my money is just gone & they cant & wont help me. So this is my last resort to get my money back.
Consumer complaint received 2022-12-30
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved and updated as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-24
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I submitted a letter to the XXXX Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX a ) ( XXXX ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (AL)

Do you report this information to the authorities, or do you just sit there??? How are complaints to you, handled??? I have a XXXX XXXX XXXX charge from a hospital in XXXX XXXXXXXX XXXX. I had no insurance at the time, back in XXXX. I forgot all about it, and now all the sudden it pops-up on my credit report- this month and this year. ( XX/XX/XXXX ). It's over {$1000.00}. I'm on XXXX and can't pay this bill. Is this legal? 

Also, there are numerous student loans on my credit report, that have been there, since around XXXX. They were placed on my report BEFORE I finished classes, having taken no break. This is XXXX. XXXX XXXXXXXX XXXX XXXXXXXX placed them on my report. I have a letter from Nelnet saying ALL my student loans are paid for by Nelnet, because of my XXXX. I keep attaching the Nelnet letter to XXXX, but they refuse to take the student loans off my report. I filed a new dispute a month ago, and have heard nothing back. I usually don't. I also spoke to them on the phone a month ago, about my name spelled incorrectly and addresses I've never lived, and was told they were changing the information " as we spoke. '' A week later, nothing was changed. My first name is NOT spelled with an XXXX on the end, it's an A on the end. 

They have been jerking me around like this for YEARS. I've been trying to get this information squared away for YEARS, by filing dispute after dispute, after dispute. NOTHING on my credit report has been fixed.
Consumer complaint received 2024-06-10
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Pacific Retrieval LLC (OR)

I was contacted by Pacific Retrieval in XXXX California. I returned the call since I missed the initial call. I was speaking to an individual named XXXX XXXX. He was nice at first but then started to talk down telling me IXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX He did threaten to take me to court. I was willing to negotiate a pay day before he came at me sideways and started treating me.
Consumer complaint received 2024-02-13
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: UMB FINANCIAL CORPORATION (AZ)

Over 40 days ago {$3.00} charge on my card that was fraud From Texas. Called cc and thought all was taken care of ..received overdue bill for the {$3.00} plus small late charge. I called them 4 times and was disconnected every time. Did talk to 3 different people. This is effecting my 800+ credit score. Due to there incompetence. Have request they call me to fix this with 2 emails. No response.
Consumer complaint received 2024-02-13
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: LEXISNEXIS (DC)

1. Why has my gender been changed to XXXX on the top page? I am a XXXX both now and at birth. Is it because I have an XXXX  at the end of my name? Please see my license attached and correct the information on my report ( Consumer Number : XXXX Case Number : XXXX dated XX/XX/year> ). It correctly lists XXXX in other parts of the report. 
XXXX. XXXX XXXX ( see my license attached ) was fat-fingered but not removed from my report. 
XXXX XXXX was not removed from my report and is not my DOB ( see my license attached ) 4. INVALID was not removed from my phone numbers 5. I did not see my CLUE report attached.
Consumer complaint received 2024-05-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I feel frustrated, unhappy, and troubled by the situation regarding my credit report. There are late payment remarks on some of my accounts, even though I have consistently made on-time payments.
Consumer complaint received 2024-02-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (TX)

Dear CFPB officials, I'm XXXX XXXX. I live at XXXX XXXX XXXX XXXX XXXX, TX. XXXX. I wire transferred the money from my checking account of Wells Fargo Bank to XXXX XXXX but I got scammed. Please help me. I'm sending the long attachment to you now. Please take a look
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Conn's, Inc. (TX)

I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2024-02-13
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: Credit Karma (IN)

I had multiple unrecognized soft inquiries that I had noticed after running my annual credit check. Credit Karma and XXXX ran credit checks every month last year multiple times throughout the month, and even multiple times per day. I also have a soft inquiry from XXXX XXXX on XX/XX/XXXX. I have a soft inquiry from XXXX on XX/XX/XXXX, and XX/XX/XXXX. I also received a letter stating that there was an unauthorized disclosure of my personal information that had occurred between XX/XX/XXXX and XX/XX/XXXX. It was leaked by XXXX which is a cyber security firm that contracts with XXXX, XXXX ( " XXXX '' ) to provide a secure file transfer software called XXXX. XXXX is a professional services company that provides services to hospitals and clinics affiliated with XXXX XXXX XXXX XXXX XXXX ( " XXXX XXXX '' ). As a result, I have concerns that my personal information has been leaked and someone may be using my social security number for anything or running strange credit checks causing inquiries since I do not recognize many inquiries.
Consumer complaint received 2024-08-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Affirm Holdings, Inc (CA)

In XX/XX/year>, I ordered a table from XXXX XXXX that was advertised as ready to ship. After XXXX weeks with no shipment, I contacted XXXX XXXX, and they informed me that it would be several months before the table would be available. I decided to cancel my order and notified Affirm, through XXXX XXXX, about the cancellation. Affirm instructed me to wait for XXXX XXXX to process the refund. 

At the end of XXXX, I received an email from XXXX XXXX confirming the cancellation and stating that I would be refunded within 10 business days. However, the refund did not arrive. I then opened a dispute on the XXXX XXXX app, but continued to receive non-payment notifications. When I called Affirm, they suggested opening a dispute but consistently failed to follow through. Despite my efforts to resolve the issue, including forwarding over 15 emails from XXXX XXXX, Affirm claimed they did not receive these emails and suggested I reach out to XXXX XXXX directly. 

Throughout this process, I was advised to continue making payments to avoid affecting my credit score. However, despite my clear communication that I wanted to resolve the issue and avoid credit damage, Affirm did not formally open a dispute. Consequently, they reported the issue to the credit bureaus, which severely impacted my credit score. 

This unresolved situation has placed an undue financial burden on me, hindering my ability to secure a mortgage at a reasonable rate. After exhausting all efforts to resolve the matter, I eventually paid the total amount. I have since filed a complaint with the Ohio Attorney Generals office, yet I have still not received a refund from either XXXX XXXX or Affirm, and the issue remains on my credit report.
Consumer complaint received 2018-09-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (FL)

This fake agency claiming to be a collection agency. Theyre telling me I owed money to XXXX XXXX XXXX and they keep reporting to credit bureau. There are many complaints against Credence Resource Management and XXXX   supposedly had nothing to do with them.
Consumer complaint received 2024-06-10
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: MoneyLion Inc. (WA)

I paid off my loan on XX/XX/year> and was advised that if I paid, then my account will be settled and my reserve funds would be release to me. as of XX/XX/year>, I messaged in and ask why my account was not settled or why my reserve account not released to me. I was told that they would look into it and get back to me. I called on XX/XX/year> and they advised me that there was a glitch in the system and that the problem should be taken care of and someone will reach out to me by Friday, XX/XX/XXXX. I waited and no one called me and I called into customer service. The lady told me the same information and that there was nothing she can do to escalate my issue. She said that by Monday, XX/XX/XXXX, my account should be satisfied and my reserve funds should be release. She said that there shouldn't ben an issue with her company fixing the glitch. I told her to email me what she was saying for my records. This morning, Monday, XX/XX/XXXX, the issue was not resolved and I called back customer service. The agent told me that there was glitch and she doesn't know when it will get fixed. I told that I needed to have a supervisor call me back because they are not providing me any information. They were also telling me that there was nothing they can do. I told her this was bad practices for a company and that sounds like fraud of what they were doing. She said that a supervisor will be calling me, but has yet to call me. Today is day XXXX of when I paid my account, the account is not satisfied, and my money reserves are not release to me.
Consumer complaint received 2024-04-12
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd ()

I am writing to address a pressing issue regarding an unresolved refund. On XX/XX/year>, Wise US was expected to transfer USD XXXX to my XXXX bank ( XXXX XXXX XXXX XXXX ) account as a refund. However, I have yet to receive the funds as of today 's date. 

Despite my repeated attempts to follow up on this matter through various channels, including multiple inquiries to your customer support team, the refund has not been processed nor have I received any satisfactory explanation for the delay.
Consumer complaint received 2024-02-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (FL)

A company by the name XXXX have been trying to collect a dept through collectors on my credit for the amount of {$230.00} that I have no knowledge of. These unfair practices is prohibited by the FDCPA. 
They furnished this account that we did NOT agree upon and did NOT sign an agreement. A legal contract is signed by two parties and I did NOT participate in any of it. They did not follow the proper 5 step validation procedure which makes this unfair practices. According to the FDCPA I'm entitled to XXXX XXXX per violation and clearly they violated my rights.
Consumer complaint received 2024-02-12
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC. (PA)

Since XXXX of XXXX I have traded stocks on the online website Robinhood.com with no issue. However, when I recently tried to withdraw funds from my account for a vehicle repair, I found that all of the options to withdraw money did not work. Bank transfer, wire transfer, check, etc were all listed but none of the functioned. I have over {$4000.00} sitting in my account that I am not able to access. This is an online fraud scheme to defraud investors.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (UT)

Some of my student loans were recently discharged by the US Department of EducationXXXX . 

However, my credit reports has not been updated by all 3 major credit bureaus. This is not fair and need the correct information reported.
Consumer complaint received 2023-12-28
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. (TX)

In accordance with XXXX XXXX XXXX XXXX. XXXX. XXXX XXXX Account XXXX has violated my rights. 
15 U.S.C. 1681 Section 602 and 604 States i have the rights to privacy and a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-02-12
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC. (NV)

XX/XX/ is the date this account was opened in my name internet services and equipment that I never received. I was called by XXXX about a outstanding bill {$320.00} for services I didn't have in home or positions. 
XXXX could not provide an account number with my name are address at that time I requested verification from XXXX. I was told that there was no account or file stating I had no services. 
But, XXXX sent over due balance {$320.00} to my father in laws home in XXXX XXXX XXXX XXXX. On my credit report it states it was charged off and closed XX/XX/. From my phone conversation with a XXXX representative the account never existed.
Consumer complaint received 2024-02-10
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

I am writing to file a formal complaint regarding the mismanagement of my Kohl 's Credit Card account. Despite completing the online application process and receiving approval, my experience has been fraught with significant issues. 

Upon approval, I received a digital card with incomplete identifying information and have not received any subsequent statements or notifications. This lack of communication has left me in the dark regarding my account status. 

To compound matters, upon logging into my account, I was startled to discover a payment due in just two days. This unexpected demand for payment, coupled with the absence of prior notifications or statements, has put me in a challenging position. 

Despite my repeated attempts to contact Kohl 's customer service for assistance, I have been unable to reach a representative to address these urgent concerns. 

I am deeply troubled by the lack of transparency and communication regarding my account status, and I urgently request your intervention to rectify this situation. 

Thank you for your attention to this matter. I look forward to a swift resolution.
Consumer complaint received 2022-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Transunion is the only credit reporting agency that gives me issues I have XXXX inquires on my report which is crazy because I'd never go past XXXX and they refuse to delete them I did not apply for any credit it's very unfair that I have to suffer over transunion lack of ability to see such a high amount is fraud and I've had fraud issues in the past that's why I have to use irs pin to file taxes can you please help me get these inquires removed
Consumer complaint received 2024-05-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I recently submitted a request to reassess the previously disputed information The response I received, which was generated by a computer system, is unsatisfactory, and my patience is wearing thin. If the information is not promptly reevaluated and deleted, I will have no choice but to engage legal representation to seek redress through the court system, and I will also lodge complaints with regulatory bodies such as the CFPB, FTC, and my state attorney general 's office. I insist that you expeditiously remove and update this erroneous information and provide me with an updated version of my credit report. 1. The status is incorrect for the following account. Please correct/update this inaccurate information on my credit report. these accounts were never late. 
XXXX. XXXX Account Number : XXXX Date reporting NOT Accurate XX/XX/year> - XX/XX/year> - XX/XX/year> : Moreover, in accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I am demanding actual proof that the information was verified, rather than a computer-generated confirmation. Please provide the following : 1. The names and business addresses of each individual with whom you verified the information above, so that I can follow up. 2.The date on which you contacted the individual information furnishers. 3.The method of communication used to verify the information.