davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-19
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: Nelnet, Inc. (TX)

I discovered that my identity was stolen when I enrolled at XXXX XXXX XXXX of 2021. When I went to get help with filing out my financial aid, the financial director stated it was showing I already had funds and would need to recover my financial aid account and change the school to XXXX XXXX XXXX, with this being my first time in college I didn't know much about the process, so I called the Federal Student Aid, to recover my fafsa account and every time I would recover my account someone else would recover it back, I called fafsa, and I also called the IRS to let them know that someone had stolen my information, I called Nelnet, they ask me questions like was this my email they had on file, and the number they had on file, both wasn't mine, they sent me a packet I fill it out and sent it back, I sent evidence, with a police report, and they still will not remove it, I showed proof that I was enrolled at XXXX XXXX XXXX. I am paying for all of my classes out of pocket while another person is using my info, I even asked if they could freeze my account so the person who stolen my identity couldn't benefit off of me and they denied that action. I received a call from XXXX XXXXXXXX XXXX  asking me if I was trying to cash a Financial Aid for XXXX from XXXX XXXX XXXX XXXX. I told her no and asked if she could send me the void check as proof ; this person had the wrong date of birth and year. I called the school and talked with XXXX and, sent her the check with the police report, and told her my identity was stolen, and she removed this from my my credit report. so I don't see what the issue is with Nelnet ; they are not trying to help me they keep giving me the run around.
Consumer complaint received 2024-06-05
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Pressler & Pressler, LLP (NJ)

They are literally lying to me. It doesnt take 6 months to see u stole XXXX from me. I paid the XXXX you had no right to take it to court for an additional XXXX you garnished my paycheck for XXXX for a debt that was already paid how does it take u guys that long to figure it out. You want to go to court fine. Im suing for all the work i missed dealing with XXXX. You literally stole from me for no reason. Im done sending proof.
Consumer complaint received 2024-02-19
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (AP)

On XXXX XX/XX/2024, accepted a " settle for less '' offer from Chase for a charged off credit card. Requested amount for the settle for less offer was paid as requested. My credit report is still showing the balance of the account as {$3000.00} past due after completing the settle for less agreement as of XXXX XX/XX/2024, and XX/XX/2024 was reported as a charge off as well.
Consumer complaint received 2024-02-19
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION (MS)

On XX/XX/XXXX I purchased a XXXX XXXX through Credit Acceptance Corporation. The price of the contracted vehicle was XXXX, me not knowing that the interest was almost the same as the contracted price. I had just come out of bankruptcy and needed a vehicle to go back and forth to work. This is XX/XX/XXXX and I have had to make several payment arrangements to try to keep up the car payments. The problem is I have been having bad issues with the car. As of now when I am driving the car it sounds like the rear end is literally going to fall off. 
I have not had the car a year yet. On XX/XX/XXXX I contacted Credit acceptance to inform them of this problem and that I needed help, they did try to break my bill down to paying XXXX a week, then XXXX a week, now XXXX a week. Which was still a struggle. Again on XX/XX/XXXX I contacted them again about the problem and asked about refinancing information or trade in information through there company because at this point the car in a lemon and the price is to high. If the car did not have these problems and the price was just a little less I would not have a problem with keeping my obligation. When I asked for this information I was told she could not help me with these things and that I could go to the company website for information, which I did but it was not helpful.
Consumer complaint received 2024-02-19
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (MI)

Permanently limited account due to POSSIBLE but unsure risk of fraud and multiple accounts that arent mine, that are marked as fraud. 

I sold crypto funds to PayPal balance and have a large history in activity page to reference the pattern.. then randomly I had deposited crypto from my external wallet into PayPal and now its stuck since i sold it Dont want or need a account with PayPal anymore. Moving forward, these are my crypto funds and I dont think its fair that I have my funds held for a exceeding time
Consumer complaint received 2024-02-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Westlake Services, LLC (NJ)

Westlake financial services continues to report a balance on my credit report when they don't own the debt anymore. Westlake financial failed to send me required disclosure stated in UCC 9-611. ( NOTIFICATION BEFORE DISPOSITION OF COLLATERAL. ) Therefore making the contract invalid. According to CFR 1006.100 Westlake should have record, proving they followed appropriate guidelines and rules stated by FDCPA. My claim is they didn't follow FDCPA while violation on my rights in the process.
Consumer complaint received 2024-02-18
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I received a XXXX debit card with {$100.00} on it as a compensation for alot of problems I had with XXXX. That card was issued to me during Covid and I could not use it within the 1 year they gave me until it expired. They will not reissue me a new card!!
Consumer complaint received 2024-02-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (VA)

I am writing to file a formal complaint against Venmo regarding a recent incident of fraud and the subsequent denial of my claim for reimbursement. I believe that the denial is unjust, and I am seeking your assistance in resolving this matter. 

Incident Details : Transaction Date : [ Date of the Transaction ] Transaction Amount : {$250.00} ID : XXXX Payment Method : Venmo XXXX XXXX XXXX Description of the Incident : I made a purchase of gift cards on XXXX XXXX using Venmo 's XXXX XXXX XXXX method for payment protection. Unfortunately, I fell victim to a scam, and the scammer not only failed to deliver the promised goods but also blocked me after receiving payment. I promptly reported the incident to Venmo, providing detailed proof and screenshots to substantiate my claim. 

Previous Claim : It is important to note that I have successfully filed a similar claim in the past with Venmo for a lesser amount, and it was approved. The key difference this time is that I used my Venmo balance for the payment, leaving me unable to dispute the transaction with my bank. 

Proof Submitted : I have attached all necessary documentation, including screenshots of the XXXX XXXX conversation, evidence of the promised goods, confirmation of the Venmo payment, and subsequent blocking by the scammer. These documents clearly illustrate the fraudulent nature of the transaction. 

Venmo 's Response : Despite presenting compelling evidence and highlighting the similarities to a previously approved claim, Venmo has denied my request for reimbursement. The denial is perplexing and leaves me without recourse for recovering the funds that were fraudulently taken from me.
Consumer complaint received 2024-02-18
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: TRUIST FINANCIAL CORPORATION (CA)

XX/XX/XXXX there are XXXX credit inquiries that I didnt agree to and there are XXXX in one month. I havent done business with XXXX in four years. I havent applied for a loan with XXXX XXXX XXXX since XXXX, I have no idea who trust dealer services XXXX XXXX XXXX XXXX  XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (AZ)

On XX/XX/2024 I attempted to pay from my checking account that I used to regularly make payments, {$23000.00} I was told I could not because it was more than the balance. So I authorized a payment of the full balance due of {$22000.00}. The money was withdrawn from my bank account and paid to Wells Fargo not later than XX/XX/2024. Wells Fargo put a " hold '' on that payment and denied 2 subsequent purchases to my embarrassment claiming I could not use my credit limit because they had a 14 day " hold '' on the payment. My bank confirmed to me that Wells Fargo received the payment on XXXX XXXX. I thereupon told Wells Fargo to close my account because I will not deal with a Bank that holds my payment for " no good reason ''. Something has to be done about actions like this.
Consumer complaint received 2024-02-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC (GA)

I need the company to send me the original contract with all my information and signature because I not only don't owe XXXX, I have never heard or been contacted by this company. I have never had a debt with this creditor or the collector and I request this to be removed immediately before I take legal action as a collection is being reported illegally on my report.
Consumer complaint received 2024-08-01
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: MORGAN STANLEY & CO. LLC (NC)

I had a money market and a trading account with Etrade for going on 20 years and I purchased a stock in 2021 and apparently the company went and solvent and E*TRADE basically close the account and obviously I lost the money that was in there. They flagged me so that I can not open another account with them and another company XXXX XXXX that they are affiliated with. I have never been given any information as to why this happened what was done why they took these measures and now they are treating me like a scumbag and acting like Ive done something wrong and will not explain to me what the issue is. I have asked repeatedly for information and closure of the completed account and I keep getting the runaround.
Consumer complaint received 2024-02-18
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: CBC Companies, Inc. (NJ)

Innovis Consumer Assistance XXXX XXXX XXXX XXXX, GA XXXX Dear sir, I would like to mention the disgusting feeling with your report dated on XX/XX/XXXX of 2024, which was sent to me, XXXX XXXX XXXX . The something which looks like cover letter has the word Dear Mr. without any name. This something looks like report does not have any information which should be to be called as a credit report. I request you will send me the proper credit report with the name, XXXX XXXX XXXX, with my family name, XXXX. I have requested to mention my family name, not my first name, in the previous letter. However, you have continued to mention me, XXXX, which is embarrassing action to XXXX consumer in the United States. I request formerly to correct this attitude and mention me, XXXX XXXX. If you do not agree with this, please give me the explanation, which is enough to understand me, XXXX XXXX. 

Sincerely,
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CO)

CRAs failed to update my report with new XXXX XXXXXXXX XXXX XXXX XXXX notified them on XX/XX/year> per my conversation with XXXX on XX/XX/year>. It's impacting my credit score and mortgage approval. Please investigate and correct this ASAP. 
On XX/XX/year> @ XXXX XXXX MST I spoke to XXXX XXXXEquifax & she said the new CO credit card is not showing up yet. 
On XX/XX/year>XXXX XXXX XXXX XXXX  I spoke to XXXX XXXX XXXX XXXX discovered today when checking my score that XXXX XXXX XXXX XXXX XXXX is not showing up on cr report. XXXX told me on XX/XX/year> that XXXX new credit card was on my report. She commited fraud & BROKE THE LAW!
Consumer complaint received 2024-02-18
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (IL)

I purchased an all-in-one washer-dryer Combo on a Best Buy Credit Card by Citibank in XXXX of XXXX. In XXXX, it could not be delivered and was returned to the store. I have not credited back the charge of over {$2700.00} with 24 months of XXXX interest. When I finally made it to the store in XXXX XXXX  and received my credit back, I decided to shop and look for a different washer that would fit my specifications ; this ended up not being a combo washer, and was a lot less money, closer to {$900.00} ; however, I was still able to get the deal of 24 months XXXX interest financing. After I bought my washer, about 4 days later I started receiving phone calls that my bill was late. I spoke to the representative and stated I had just bought my washer and it was not yet delivered yet, how can I owe a bill? The representative did not help, I asked for a supervisor and all I was asked repeatedly was when I was going to make a {$70.00} payment. If you do the math {$70.00} a month will have my washer paid off way before the 24months and that isn't correct for a minimum payment on the new charge There should not have been a bill due until XXXX. Since then I have not received a phone call from a supervisor like I asked to review my case and correct the issue. I have received 3-5 phone calls and voicemails daily from Best Buy Citibank about my past due bill, they have also charged fees for lateness and collection. I have no problem paying for what I purchased but they need to be fair in lending practices and charges as well as the harassment of phone calls 3-5 times a day. Why are they not following the XXXX rule? They are only allowed to contact 7 times in 7 days.
Consumer complaint received 2024-02-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (IA)

I deposited a check for {$69000.00} to Wells Fargo business checking account on XX/XX/24, the receipt I received stated that funds will be available on XX/XX/24, however on XX/XX/24, I received an email from Wells Fargo stating that the funds will be held until XX/XX/24, due to deposit excess. I have deposited larger checks before and it cleared without any issues. I have been banking with WF for 5 years. My account is in good standing, I never had a check returned. So I called WF and was told they can not remove the hold, they will release {$5000.00} on XX/XX/24 however the remains {$64000.00} will not be released until after XX/XX/24. Again, I have deposited bigger checks and they cleared with no issues. I dont understand why my funds are being held. This is a business checking account and I have multiple workers to pay. Please help me with resolving this issue with WF. Thank you.
Consumer complaint received 2023-04-10
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

Please look at the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2024-02-18
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (CA)

I signed up for Ulta cosmetics Mastercard in the store and charges a small Amount to it. Later I got a letter that said oh we cant give you those terms but we did give you a card. Which is wrong to me why approve it then change the deal after? 
Anyway, I didnt hear anything else and forgot about it. 
Not sure how long later, maybe 2 months? I found a plain white envelope in my junk mail with no markings, it was the card. It took me a bit to figure out how to get online but I paid the balance in full XX/XX/06. I have never used the card since and forgot about it, it now has a balance of like XXXX because they are charging late fees and interest to late fees and interest! I saw some missed calls so. I logged and and was like what??? I havent used it and paid it off why would I even know they are doing that? 
I have messaged them and included the screen shot but no response other then we did mail you a bill to that address. After I paid in full there shouldnt continue to be fees on fees it is insane the card would never be paid in full
Consumer complaint received 2024-02-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CL Holdings LLC (TX)

The amount that says is owed to XXXX is {$1000.00} XXXX has sent this to Jefferson Capital. I called them and complained and now they added XXXX that is XXXX  plus dollars from XXXX and I have not used XXXX in over 20 years. The XXXX account was opened fraudulently and a police report was filed with the XXXX, Nevada Police Department. The lady that stole my phone that went by the name of XXXX stole wallet, phone and got a grand larceny charge against her because the amount stolen was greater than {$1000.00}. She stole my identity and opened a XXXX account and bought a XXXX tablet. I have repeatedly begged and pleaded with XXXX XXXX to remove this. I have also pleaded with the debt holder Jefferson Capital Systems LLC. XXXX XXXX does not have any of my information correct either. I payed off a vehicle to XXXX XXXX and it shows I am current but owe XXXX. As a proud XXXX XXXX Veteran of the XXXX XXXX having served XXXX years for my country I do not believe I will ever enjoy the American dream of owning a home with the credit system and credit bureaus keeping my score down to charge higher interest rates. The XXXX and XXXX collections on XXXX XXXX under Jefferson capital are completely false and need to be removed. I also submitted a complaint to the Texas Attorny general XXXX XXXX in hopes of helping me solve this complex issue as well. I have XXXX children XXXX of which is adopted. I can't afford to have a poor credit score. Any help with these XXXX XXXX power houses like XXXX which I soent XXXX minutes on the phone with only to be passed from person to person and on hold forever would greatly be appreciated. Jefferson Capital only added XXXX after I complained about the XXXX account. I have had neither in many years. Thank you. 

XXXX XXXX XXXX
Consumer complaint received 2024-02-17
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (DC)

In XXXX or XXXX ( not clear ) my citibank card expired, and they never sent me another one. I realized after going online to pay, that they had actually frozen my ability to use the account. At that time, they said I had to keep paying, and it appeared as if I had credit available, but they never sent me a card to use or allowed transactions to take place online. 

Since then, I have been locked out of the online account so I have not been able to see the status of my account. I also have not received ANY statements, until last month when I received a mailed letter dated XX/XX/XXXX that said I had until XX/XX/XXXX to make a payment or the account would be referred to collections. I tried calling today ( I only received the letter in the mail this week ) and I was shipped from agent to agent and ultimately hung up on. I was going to make a phone payment to avoid collections. 

For more than a year, I have been trying to gain access to my citibank credit card account online in order to make payments and track the account status. In XXXX of XXXX, I set up a series of automatic payments, but they did not go through. In XXXX and XXXX of XXXX, I had to make a large payments to stay active, but I was never able to access the account online. 

The company has been playing games with access to my account information, they have not communicated with me about the status of the account, and now my credit is suffering! I am current on every single other account I have. This is a total nightmare and seriously damaging my credit! 

Please help me get Citibank to respond and take ownership in their role evading my attempts to make payments!
Consumer complaint received 2024-08-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (NV)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.