davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-24
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (IL)

Hello. My sister received a Prepaid Visa Debit card for {$200.00} last Summer. The issuer was XXXX and it was purchased at a Kroger store. I live in a different state and when I went to visit my sister we tried to use the card in a restaurant and it was rejected and denied. Many, many calls to XXXX  and faxes to them with my sister 's driver 's license and picture of the card went unanswered and unresolved. 

I promised to help my sister get her money. Unfortunately, she passed away in XXXX of 2023 and I have the card now. She was living on a very limited budget and this money was important to her and she never got to use it. My sister did not have an estate. There was no probate necessary because her net worth was quite small. 

I have all the documentation that we sent to Prepaidgiftbalance.com. Another call to them produced a demand for the death certificate and my identification and proof of my status as an heir. I have all of this documentation but hesitate to send it to this company. I don't trust them. They have lied to us repeatedly. Please help us get my sister 's money. Thank you.
Consumer complaint received 2024-06-24
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Next Financial Inc. dba Copper (NM)

I used a " banking '' app called " Copper Banking and one day my account was closed with no notice or warning. I contacted customer service and they said they will send a check to my mailing address within 10 days, and the check never came. I asked if I could have my mailing address to verify if they sent it and they could not provide it. 

Essentially they took my money and I never saw it ever again.
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: FC HoldCo LLC (CA)

OVER SEVERAL DECADES I CAN NOT GET FLAGSHIP CREDIT ACCEPTANCE TO REMOVE THE NEGATIVE STATUS OF 60 DAYS LATE ON MY CREDIT REPORTS. ACCOUNT SHOW OPEN AND IS AFFECTING MY CREIDIT WORTHINESS WITH OTHER CREDITORS. PLEASE REMOVED AND SHOW ACCOUNT IS PAID / CLOSED AND REMOVE FROM ALL 3 MAJOR CREDIT AGENCIES. XXXX XXXX SHOULD SHOW I OWN VEHICLE BUT FLAGSHIP HAS NEVER UPDATED THIS.
Consumer complaint received 2024-06-26
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: CITIBANK, N.A. (FL)

Greetings, I was a victim of an online job scam back in XX/XX/XXXX. CITIBANK is reporting to XXXX XXXX XXXX consumers reports of this being a forged " Account Check Fraud, '' which I find highly unprofessional on their part when I was a victim of a scam myself. The individual posting as XXXX XXXX was trying to hire me to become a data entry clerk for the company. I was reached out to by a XX/XX/XXXX XXXX or Indeed during the same month. After I completed the personal information, I provided them with my ID as well as my SSN, and XXXX and the next day I was told I would be hired. They advised me that they were sending a check in the mail viaXX/XX/XXXX for me to purchase equipment to do the job, but I would need to deposit the check and then go to a website to purchase the required equipment. I deposited the check, and it was cleared the following day. I took the cash out, bought the equipment, and sent the money over to them via XXXX XXXX. I received a call from Citibank advising me that the check was returned and that my account would be in the negatives because the check appeared to be fraudulent. I had no intention of defrauding Citibank. I filed a police report regarding the scammers posing as a legitimate company when they were not and advised XXXX of the same issue. Years later, I am unable to open new bank accounts with any large institution because of the unfair reporting of " Account XXXX '' by Citibank. I tried to dispute the information with XXXX XXXX XXXX XXXX XXXX, on XX/XX/XXXX, but I was advised by them a few weeks later that the bank notified them that the information was accurate. No other options were provided. Every bank is viewing me as some sort of criminal. It is embarrassing and extremely depressing. I call on the Government to investigate this matter thoroughly, and if there are any wrongdoings by Citibank I deserve compensation for the stress that I've endured, and the loss of income it has cost me. 

Thank you,
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Sunbit, Inc. (SC)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

Please see attached file for these items I am complaining.. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2024-06-23
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Chime Inc. (HI)

Scammed Out Of {$720.00}. XXXX Says Not Available To Beneficiary, But Reports This Remit As Picked Up To Sendwave. 
Therefore, I Can not Request Refund From Sendwave. Meanwhile, XXXX Refuses To Payout, Saying, They Are Working On Problem. 

DATE OF REMITTANCE : XX/XX/2024 REMITTANCE COMPANY : Sendwave SENDER : ******** SENDER EMAIL : XXXX BENEFICIARY : XXXX XXXX XXXX AMOUNT SENT $ & XXXX : {$720.00} or XXXX PICKUP CODE : XXXX DESCRIPTION OF COMPLAINT : Beneficiary made several attempts to pick up this remittance at XXXX, XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX informed beneficiary that the remittance could not be picked up, that they will call beneficiary once the problem is solved. Beneficiary has not received any call. 
XXXX received email from XXXX stating that your money transfer to XXXX XXXX XXXX has XXXX XXXX XXXX. THIS IS NOT TRUE. THIS REMITTANCE HAS NOT YET BEEN PICKED UP. 
XXXX emailed help @ sendwave.com request for help in resolving this issue. XXXX opened case XXXX ; says investigating.
Consumer complaint received 2024-06-13
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On or about XXXX, XXXXXXXX XXXX I applied for and was approved for a Capital One ( the Bank ) SaksXXXX World Elite Mastercard. I have emails and hard copy letters to that effect from the Bank. 

On or about XX/XX/year>, upon receipt of the credit card in the mail, I discovered that the Bank had sent to me a Capital One SaksXXXX Store Credit Card. I never applied for nor did i want this version of the product. 

I have made repeated requests to the Bank to take corrective action on this matter and the Bank has refused to do so. 

Please be advised that this CFPB complaint is the final opportunity for Capital One to correct this error and to send me the card which I applied for and was approved for as evidenced by the Banks own communications to me. 

Should the Bank fail to take this corrective action, I will proceed with litigation.
Consumer complaint received 2024-06-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (FL)

Debit not owed by me : LVNV FUNDING LLC XXXX XXXX Reported Date XX/XX/XXXX {$1700.00} Debit not owed by me : LVNV FUNDING LLC XXXX XXXX Reported Date XX/XX/XXXX {$970.00} Debit not owed by me : XX/XX/XXXXXXXX Missed payment Other Collection Agencies Reported Date XX/XX/XXXX {$860.00} Debit not owed by me : XX/XX/XXXX Missed payment Other Collection Agencies Reported Date XX/XX/XXXX {$1600.00} Debit not owed by me : XXXX Missed payment Other Collection Agencies Reported Date XX/XX/XXXX {$1600.00} Debit not owed by me turn to charges-off account : XX/XX/XXXX| Reported on XX/XX/XXXX Balance {$0.00} Limit {$1200.00} I woke up one morning check my history to see what stop me from prevailing to a higher XXXX XXXX I see I have Collections Of company I had no idea about someone been using my info Need help with these debt it wouldnt look great for me buying my Future home in the future
Consumer complaint received 2024-06-22
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: COMMERCE BANK (MO)

The terms were not clear and I have repeatedly reached out to Commerce Bank about this issue! I want my account reopened. I spoke with a representative who told me otherwise on XX/XX/year> and advised that I speak with branch managers and people inside the bank for assistance. Then on top of that, I had to deal with the aggressive branch manager at the XXXX Commerce Bank who took a tone with me. I want my account reopened and the funds OR the data transferred to the new account! Commerce Bank has been extremely uncooperative with this and has done nothing to resolve the matter. The Commerce Bank representatives that you speak with on the main line say XXXX thing and then you have the people within the bank saying another that is different. I am not going to let this rest and I want them to do what they should allow so I can have my account back.
Consumer complaint received 2023-09-12
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. (TX)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-08-07
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)

RE : Trafficking Block Request Dear Sir or Madam : I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX XXXX BOTH ACCOUNTS ; XXXX XXXX ; Department Of Education ( ALL ACCOUNTS ) XXXX XXXX XXXX XXXX Inquiry ; XXXX XXXX XXXXk Inquiry Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXX XXXX : Self Attestation, Drivers License, Bank Statement XXXX Utility Bill Proof of identity Drivers License, Bank Statement , Utility Bill, Trafficking documentation Self Attestation included
Consumer complaint received 2024-06-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: SOFI TECHNOLOGIES, INC. (FL)

I set up an account. I make 6 figures. They arent verified with XXXX My company had to send a paper check. Once the check deposits and clears XXXX can start. Sofi put a XXXX weekly limit and 1000 monthly limit on deposits. i reached out via chat, cant do anything. i reached out via phone cant do anything. they actually suggested I have my employer run a special payroll to split it into {$500.00} incrementchecks and wait months to be fully paid. i requested a supervisor and held for half an hour before being disconnected by them.
Consumer complaint received 2018-04-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SUNRISE CREDIT SERVICES, INC (TX)

On XX/XX/XXXX, Sunrise Credit Services received a certified letter from myself requesting debt validation. The company sent a Billing Itemization. On XX/XX/XXXX, a 2nd certified letter of request to validate debt was sent to Sunrise Credit Services requesting proper debt validation per FDCPA guidelines. The letter requested a response within 15 days. As of today, XX/XX/XXXX, Sunrise Credit Services hasnt  responded to my request.
Consumer complaint received 2024-06-22
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Resurgent Capital Services L.P. (FL)

Company has repeatedly contacted me through calls, emails and spam text messages. Date of reported debt is not accurate and companys continues to sell the debt and have multiple companies contacting me. I have attempted to contact the company to cease the calls to no avail. On top of the harassment, they constantly report inaccurate dates and insane amounts
Consumer complaint received 2024-06-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Specified Credit Association, Inc. (IL)

SPECIFIED CREDIT ASSOCIATION 1 INC use my report without my written consent. 
I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime. The items I am disputing do not relate to any transactions that I have made or authorized. Please remove this information at the earliest possible time.
Consumer complaint received 2024-06-22
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (WA)

On XX/XX/XXXX my wife and I were going through our gift cards, and found XXXX {$100.00} XXXX  gift cards. The cards said they needed to be activated online to be used, but the website wouldn't work. When we called in the number on the back, we were told we'd need to upload our drivers license to a sketchy online website ( XXXX XXXX XXXX  ) in order for them to send us new cards ; however, when I researched them online it sounds like this is a situation rife with potential for identity theft. ( See XXXX XXXX XXXX ). Additionally, they request a copy of the receipt on the website ( but didn't on the phone ), which we don't have at this point in time, but we opened the packaging ourselves today ( XX/XX/XXXX ), so we know that they weren't already used. 

Additionally, when we called in the issue to their hotline, we had to give the card number over the phone twice ; once to an automated system, and once to a human. This practice seems sketchy as well, as the human could just steal the card info.
Consumer complaint received 2021-03-15
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: PENTAGON FEDERAL CREDIT UNION (PR)

I made XXXX consolidation loan # XXXX with Pentagon Federal Credit union and I was looking why my account after almost 3 years or 28 payments exactly is still XXXX from a loan of XXXX and I called them and Supervisor Lan employee number # XXXX on Saturday XX/XX/XXXX at XXXX XXXX told me that she thought my loan had a maturity date on XX/XX/XXXX and I told her that after 28 payments with only 3 of them sent the principal and all of the other 24 payments are being going to interest only and no part to the principal she told me that I had signed if I ever made a payment on late they will be charging me interest of the loan until it was covered fully and its a XXXX a month which on my calculations will be never paid. This is a predatory lending as I have verified.
Consumer complaint received 2019-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (OH)

Unauthorized accounts on my credit report by all three Credit Bureaus ( XXXX, XXXX, Experian ) XXXX/XXXX XX/XX/2019, XXXX/XXXX  XX/XX/2019, XXXX/XXXX XXXX XX/XX/2019,. Which violates Section 604 of the Fair Credit Reporting Act ( FCRA ) sets forth requirements, called " permissible purposes, '' that must be met before anyone can inquire a credit file. A few of the most common permissible purposes are : In accordance with the written instructions of the consumer to whom it relates.
Consumer complaint received 2023-09-12
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. (AZ)

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validatedthese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction 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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-06-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (GA)

I check my Mohela and they balance showed Current Principal : {$110000.00} Accrued Interest as of XX/XX/year> : {$4100.00} Payoff Amount as of XX/XX/year> : {$110000.00} Yesterday, I checked my studentaid.gov website and it showed it showed XXXX. 

I got thrilled and started telling people how my loans were paid down. 

Well today on XX/XX/XXXX, sudentaid.gov webiste is showing owe {$320000.00} Principal {$4300.00} Interest
Consumer complaint received 2024-06-22
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: Solar Mosaic LLC (GA)

We are dealing with MOSAIC Financial Services Company. We wanted to pay off the loan amount early. We received a payoff quote. Once we received the quote, we returned the payoff amount without delay. Once we paid the amounted quoted, the finance company sent another statement indicating that we needed to make additional payments of {$120.00} and {$150.00}. Which is a concern. We addressed this with the company, but they did not give us a reason for the additional amount. Also, we have another concern. In the statements there was another charge for late payment. Which was a problem, because we had agreed with the company to have the payment automatically deducted from our checking account to reduce the amount of interest paid. The amount the finance company was asking us to pay was {$1100.00} and {$3800.00}, We addressed this with the finance company, but they refused. I have one statement to attached, but was unable to retrieve the other because the finance company shut down my account.
Consumer complaint received 2024-06-22
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 (DE)

This complaint is related to my previous complaint against Synchrony bank under # XXXX. Senior specialist in her answer claimed that they could not detect fraud on my account. Moreover, on XX/XX/year> they charged my bank account for {$150.00} when the actual charges were only {$71.00}. Fraudulent charges were in the amount of {$140.00} which include charge of {$56.00} made on XXXX from " XXXX XXXX XXXX XXXX '' and {$89.00} made on XX/XX/year> by " XXXX ''. I am XXXX XXXX XXXX and have hearing problems and do not speak on phone on important issues. I do not want this card and do no want to shop at Sam 's club. Prices in two local XXXX stores ( XXXX and XXXX ) are much better What Synchrony bank is doing on a sysgematic basis is illegal fraud and stealing from a XXXX citizen.
Consumer complaint received 2024-06-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (CA)

As I get closer to being able to apply for XXXX there has been hiccup after hiccup. Without my permission they signed me up for admin forbearance in XXXX. I successfully got it removed so I could continue making qualifying payments. I have always been signed up for auto pay to ensure that it is paid on time. When the loan was transferred over to the new servicing website I signed back up for it. I have a statement saying my auto paymebt would come out XX/XX/year>. It was not removed so I was late. I've never been late in a payment. I called and they said their records show auto pay was active XX/XX/year>. So they gave me a document that isn't matching the information they have or are giving. That worries me. How am I supposed to trust what they tell me if the documents they give me aren't accurate. When I call it seems no matter who I talk to, they dont really have answers or know anything.
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

Please take a look at the attached letters and ID docs for verification that it is I 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 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: National Credit Adjusters, LLC (TX)

It has not been confirmed by National Credit Adjusters that this account is reporting with the highest level of accuracy permitted by the FCRA. I have made multiple attempts to have this account validated through the credit bureaus and collection agencies, but I have not received a response. Because of the current violations I have discovered regarding my credit profile and unverified accounts, I have reason to believe that reasonable procedures were not conducted on these accounts. 

If I don't resolve an account and it continues to report incorrectly, it is against my rights to claim that it has been resolved. How can a disputed be addressed if the customer disagrees? Who settled the disputed account? No reasonable procedure was carried out?