davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-22
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Genesis Lending (MI)

In the time that I attended the XXXX program I was pressured to take out high interest private loans through Genesis Lending. During my time at XXXX I was pulled from class and not allowed to return until financial arrangements were set up. The loan officers would pull me out of class to go down to the financial aid office and fill out the electronic form for Genesis Lending to be sure that I was approved for additional funding before I was allowed to return to class.
Consumer complaint received 2024-06-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO. (FL)

A company calling themselves XXXX XXXX XXXX is calling my number and my mothers number. Claiming that they are collecting a debt on behalf of Providian Bank for the amount of {$4000.00}. 

They confirmed my name, SSN #, DOB, and address. All correct. 

Nothing was sent to me in the mail certified. They have been calling and leaving messages on my phone. 

No court documents were sent to me.
Consumer complaint received 2024-06-19
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: WELLS FARGO & COMPANY (NC)

A week ago on XX/XX/XXXX, I was scammed by a user on the social media site XXXX. After unsuccessfully attempting to buy concert tickets the user claimed they were going to refund me the amount. After waiting for my refund and receiving nothing on XX/XX/XXXX the user told me I needed to deposit a cashier 's check for {$2500.00} into my bank account from their cousin so that they could pay me. I was to deposit the check and transfer the rest of the money to them. I voiced my discomfort with the transaction and the user began pressuring me by claiming that the money was for their rent and to feed their kids. After depositing I forwarded them the money on XX/XX/XXXX and told them I would not help them again. A few hours later the user sent me a message that a XXXX check was " accidentally '' sent to me by their cousin and that I would need to send them that money. I once again retaliated saying I was not comfortable and that they needed to reverse the charge and send the money elsewhere. The user pressured me again saying that their car had broken down and had no food and needed the money. They texted and called my phone repeatedly. Due to the pressure of the constant texts and calls I sent them the money again in hopes that they'd leave me alone. Late on XX/XX/XXXX, I received an email correspondence from Wells Fargo that the checks bounced due to being fraudulent and that the money from the checks was charged back to my account. I only had {$200.00} in the account at the time so my account ended up negative {$2700.00}. Upon seeing this email I blocked the user. When I tried to call Wells Fargo to file a claim on XX/XX/XXXX I was notified that their debit fraud office was closed for the weekend, even though their business credit fraud office was open. I then began receiving threatening calls and texts from the user 's " cousin. '' They accused me of stealing their money, threatened to track me down personally, and harassed me repeatedly over the course of the weekend. I told them I was reporting them for fraud and they blocked me on everything. After filing my claim with Wells Fargo on XX/XX/XXXX, I was told it would take XXXX business days to resolve. After 2 days I called to receive an update on my fraud claim and they notified me that it had been denied but was still being investigated. The second check that they had me deposit then bounced and was charged to my account, leaving me negative {$5700.00}. They told me that although I informed them that I was being threatened and harassed that they are not liable for the scam and that I would have to pay that money back to Wells Fargo. I informed them that I am living paycheck to paycheck and can not afford to pay that money back and they have reiterated that they are not liable and I will be sent to collections.
Consumer complaint received 2024-06-19
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: W&A Intermediate Co., LLC (NJ)

I am writing to formally dispute the validity of all claims related to the repossession of the vehicle referenced by the VIN number above. This dispute is based on the following points : I dispute the legality of the repossession process and the subsequent deficiency claim due to non-compliance with proper legal procedures. Under the laws of [ client_state ] and UCC 9-506, as well as State XXXX and XXXX statutes, a deficiency can not be claimed unless all required notices were properly and timely given. Furthermore, all allowable redemption and cure time limits must have been adhered to. The following sections of the UCC outline the necessary legal requirements. Please see the attached file for what I am complaining about.
Consumer complaint received 2024-06-19
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: CREDIT ACCEPTANCE CORPORATION (NJ)

I am writing to formally dispute the validity of all claims related to the repossession of the vehicle referenced by the VIN number above. This dispute is based on the following points : I dispute the legality of the repossession process and the subsequent deficiency claim due to non-compliance with proper legal procedures. Under the laws of [ client_state ] and UCC 9-506, as well as State XXXX and XXXX statutes, a deficiency can not be claimed unless all required notices were properly and timely given. Furthermore, all allowable redemption and cure time limits must have been adhered to. The following sections of the XXXX outline the necessary legal requirements. Please see the attached file for what I am complaining about.
Consumer complaint received 2024-06-19
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: SANTANDER HOLDINGS USA, INC. (FL)

I am writing to formally dispute the validity of all claims related to the repossession of the vehicle referenced by the VIN number above. This dispute is based on the following points : I dispute the legality of the repossession process and the subsequent deficiency claim due to non-compliance with proper legal procedures. Under the laws of [ client_state ] and UCC 9-506, as well as State XXXX and XXXX statutes, a deficiency can not be claimed unless all required notices were properly and timely given. Furthermore, all allowable redemption and cure time limits must have been adhered to. The following sections of the UCC outline the necessary legal requirements. Please see the attached file for what I am complaining about.
Consumer complaint received 2024-06-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (CA)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to XXXX XXXX XXXX XXXX ( XXXX ) Debt XXXX are legally obligated to adhere to XXXX XXXX XXXX XXXX ( XXXX ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

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 2024-06-18
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc (CA)

On XX/XX/year>, I received an email notification from Affirm.com stating a loan in the amount of {$680.00} had been approved. I immediately notified Affirm.com that this loan was fraudulent. I suspected that someone who had just taken over my old phone number had gained unauthorized access to my account. They told me that in order to file a fraud report with them, I needed to contact the merchant, XXXX, a website that I had never used and let them know about the fraud. I did that and emailed them and never received a response. The rep from Affirm.com also asked me to file a police report, which I did in my local jurisdiction. On XX/XX/year>, I received an email from Affirm.com that the dispute had been resolved against me and I was now responsible for the fraudulent loan of {$680.00}. Can someone please help me? I don't want this fraud to impact my credit score. I should not be responsible for fraud on my account. In fact, I haven't Affirm.com in years.
Consumer complaint received 2024-06-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (CA)

We were notified about a ownership error that needed to be addressed at the bank, we went to the branch and had a banker help us out, we had all the required paperwork to fix the error, the banker assured us it was handled, a few weeks later I get a notification about this again and that the account will be closed if we dont take care of it, I call the banker to let her know about the notification and she said she will check into it, she told me she looked into it, and they assured her it was taken care of, I started getting letters, letting me know that account will be closed. If its not taken care of, I called the banker again to let them know and they showed me they will take care of it. They got back to me letting me know its all taken care of, this went on back-and-forth for I think about two months, on XX/XX/XXXX we received a letter dated XX/XX/XXXX letting us know our account will be closed XX/XX/XXXX, our account has been restricted since and we have no access to our funds to run, day-to-day operations, how is it possible that the communication between the bankers and customer care is so unreliable for them to close our account that has been with them for over 15 years, this is crazy,
Consumer complaint received 2024-06-18
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CREDIT ACCEPTANCE CORPORATION (LA)

On XX/XX/year> I lost my vehicle due to a total loss. Credit Acceptance took over XXXX months to pay my vehicle off. XXXX sent credit acceptance the amount that they were going to pay and credit acceptance took a very long time to get gap involved in this matter. Credit acceptance refused to come forward with information on who my XXXX coverage was with. After speaking to them an abundance of times they finally told me that they offered in house coverage from XXXX Credit acceptance also wanted me to pay a car note after my car was deemed as a total loss.
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DIGITAL FEDERAL CREDIT UNION (MN)

15 U.S. Code 1681a is a section of the U.S. Code that makes it illegal to report late payments to a consumer 's credit report. The code also defines a " consumer report '' as any written, oral, or other communication that contains information about a consumer 's creditworthiness, credit standing, or other personal characteristics.
Consumer complaint received 2024-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NV)

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 : Dispute of Inaccurate Late Payment Reporting - XXXX XXXX XXXX XXXX Dear Sir/Madam , I am writing to formally dispute inaccurate information related to late payments on my credit report for the following account : Account Information Account Name : XXXXXXXX XXXX XXXX XXXX Account Number XXXX XXXX Account XXXX XXXX Credit Card Date Opened : XX/XX/XXXX Balance : {$4200.00} Monthly Payment : {$160.00} Recent Payment : {$830.00} as of XX/XX/XXXX I have identified an error in the reporting of late payments. I was never late on this account, and the reported late payments are due to a billing discrepancy. Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure that all information reported is accurate and can be verified. Given that the reported late payments are inaccurate and can not be verified, I kindly request that these late payments be removed from my credit report. 

Please conduct an immediate investigation into this matter, and if the late payments can not be verified as accurate, they should be deleted. Additionally, I request a written confirmation once the necessary corrections have been made to my credit report. 

I look forward to your prompt response and thank you for your attention to this matter. 

Sincerely, XXXXXXXX XXXX XXXX
Consumer complaint received 2024-06-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

My employer informed me I received withholding garnishment from a debt collector that I disputed years ago and was removed from my credit report Because the debt was mine and they couldnt prove it. Now I have a judgment when I never even received any papers I was never served so I never got a chance to go to court to defend myself. Portfolio recovery associates are performing illegal tactics. How can someone defend their self when they never receive notice of any court dates and this company never provides them any proof of debt or name of the original creditor. I need a lawyer to help me, sue them for Fraud illegal, practice, and damages
Consumer complaint received 2024-06-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Harris & Harris, Ltd. (IL)

I received a letter from Harris & Harris dated XX/XX/year>, claiming they were attempting to collect a debt from " XXXX XXXX XXXX XXXX '' from XXXX. The letter claimed a total of {$260.00} was owed, with {$210.00} already credited towards the debt, and {$46.00} owed currently. 

I personally did receive service through a local prompt care center on XXXX, however this service was not through " XXXX XXXX XXXX XXXX '', and the amount owed was none of the amounts stated within XXXX XXXX XXXX ' letter. The prompt care service I received on XXXX was through XXXX XXXX. The bill was not received until XXXX, and was paid XXXX ( confirmation number of successful payment can be provided if needed ). Therefore, the debts stated by Harris & Harris within the letter I received XX/XX/year> either are not mine, or the information stated within their letter is incorrect and is for a bill that was already paid to the correct healthcare group.
Consumer complaint received 2024-06-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/year>, Chase bank unexpectedly cancelled my account without providing any explanation or prior notification. Upon contacting the bank for clarification, I was unable to obtain any information regarding this abrupt closure. This situation has caused me significant inconvenience and concern, and I seek an immediate resolution.
Consumer complaint received 2018-08-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (TX)

On XX/XX/18 a dispute was sent to company regarding XXXX XXXX # XXXX {$18000.00}, XXXXXXXX XXXX {$17000.00} Per the certified mail receipts, dispute was received by company on XX/XX/18. FCRA gives the company 30 days to respond. Today is XX/XX/18 and I have yet to receive adequate response.
Consumer complaint received 2024-06-18
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA (AZ)

My phone and wallet were stolen on XX/XX/XXXX. 
Along with my other credit card and debit card I had numerous fraudulent charges for large amounts. 
This card my Apple Credit card from Goldman Sachs had a charge as follows XX/XX/XXXX XXXX XXXX XXXX- Amount- {$1400.00} This card has only a {$1500.00} credit limit otherwise im sure it would have been more. While reporting all these fraudulent charges I also contacted Apple Card support and reported these fraudulent charges on the XXXX  XX/XX/XXXX. After a XXXX  month investigation they tell me I authorized the charges. Which is false. My balance on the card beforehand was {$0.00} and I hadn't even used the card to charge anything since XX/XX/XXXX. I have never shopped at a XXXX XXXX and I feel the company did not do a thorough investigation. I would like to figure out how to get this resolved. I tried calling the XXXX number and was on hold for XXXX min.
Consumer complaint received 2024-06-18
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (FL)

XXXX  XXXX of XXXX XXXX on XX/XX/XXXX. Paid all but one item in the amount of {$100.00} Requested proof, for almost 2 years, that a certain medication was used during XXXX. The day after XXXX I saw the XXXX for follow-up and he did not mention that this special medication was used during XXXX. 

I was contacted by phone several times in addtion to receiving statements from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX. 

Each time I asked for proof or confirmation from the XXXX in writing that he applied the Medication, I never received any proof. 

Received a Collection Letter from Transworld Systems, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX and disputed the debt in writing on XX/XX/XXXX. 

Received another letter from XXXX on XX/XX/XXXX that was dated XXXX XXXX. 

No proof provided. 

At this point this is more than harrassment.
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

I am utterly disappointed right now, you complete disregard your own stated timeline. In your memo dated, it's explicitly stated that the results of the investigation would be provided to me within 30 days. That deadline has come and gone without a single word from them regarding the status or findings.
Consumer complaint received 2024-07-09
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. (NY)

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( XXXX ) Method of verification- Description of reinvestigation procedure
Consumer complaint received 2024-06-24
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Stenger & Stenger, P.C (GA)

I took out a PayDay Loan from XXXX XXXX for roughly {$900.00} odd dollars. They have an agency Stenger and Stenger garnishing my wages, having me pay them monthly saying that i owe them over {$6000.00}
Consumer complaint received 2024-06-18
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Mr. Cooper Group Inc. (TX)

We have been working with Mr. Cooper for a VA XXXX assumption since the end of XX/XX/year>. All of the required documents were received in XXXX and a loan officer was assigned who conditionally approved the application. A tentative closing date of XX/XX/year> was provided, however, the loan processor did not answer any messages until today, XX/XX/XXXX, stating the assumption was not close to being completed. No further information was provided. VA Loan assumptions are directed to be processed within 45 days of receiving all documentation as per VA Circular 26-23-10.
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (FL)

-Requested insurance coverage from XXXX XXXX late XX/XX/XXXX to increase auto coverages to $ XXXX from the standard $ XXXX 
-Denied coverage " based on your insurance history '' ( XXXX XXXX words ). I have a very good insurance history and excellent credit score ( XXXX ). Was offered a copy of my Lexis Nexis report as justification for being denied insurance coverage. 
-Reviewed my LexisNexis report, found dozens of errors, to include : wrong addresses at which I have never lived ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX, wrong phone numbers, wrong email addresses. MOST CONCERNINGLY, I found a paid ( ~ {$3400.00} ) insurance claim for a XXXX XXXX XXXX that I HAVE NEVER OWNED in the STATE OF TEXAS, over XXXX miles from where I live. I believe this entry to be the erroneous flag on my insurance history which led to a denial of coverage by XXXX. 
XXXX called XXXX XXXX and informed them of all the above errors. The individual on the phone promised they would remove the erroneous records. Received XXXX notices this week from XXXX with " updated '' reports... both reports are still littered with errors in addresses, phone numbers, email addresses, and yes, the phantom {$3400.00} claim against some guy with my name living at a XXXX XXXX TX address ( I live in XXXX, FL ). XXXX XXXX claimed the {$3400.00} accident was a result of me shopping for insurance and XXXX XXXX running an insurance check on me. This is clearly a lie, or they were so ill-informed as to make this farcical claim, because an insurance agent wouldn't run my name and somehow attach my name to an accident for a vehicle which I have no relationship with. If they did, then XXXX XXXX needs to be held liable/accountable equally with LexisNexis. 
-Lexis Nexis needs to clean up their act if their shadow reports are going to be used against consumers by XXXX and other insurers. If they can't back up the information on their bogus " consumer reports '' then they need to be held liable for financial penalties incurred by the consumers they are reporting on.