davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (NC)

When I log in to Student Aid website it shows that I have 8 Loans : 2 Servicers with a Total original amount awarded : {$72000.00}. I have never borrowed {$72000.00} so why did my loan double from {$37000.00} to over {$72000.00}? I want this fixed quickly since I do not and have not ever owed that much money. 
In XXXX, reached out to Mohela and was told is was a glitch in the system and it would be fixed by XX/XX/XXXX at the latest XX/XX/XXXX, when they start reviewing all data. 
I want this fixed immediately.
Consumer complaint received 2024-08-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

Under the Fair Credit Reporting Act, XXXX XXXX. XXXX I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section XXXX ( a ) ( XXXX ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to XXXX parties you are damaging my reputation and credit worthiness A copy of the original contract or agreement with my signature A detailed ledger or account statement showing transactions and balances XXXX of any fees or interest added XXXX of ownership and chain of custody
Consumer complaint received 2022-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

To update my current dispute at Trans Union, C.F.P.B. number XXXX, which is still in process, I am including the Lawsuit Copy received at the Clerk 's Office of the U.S. District Court for the District of XXXX XXXX XXXX Yesterday, XXXXXXXX XXXX XXXX I filed a lawsuit against XXXX XXXX XXXXXXXX XXXX XXXX, known as XXXX 

XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX de XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collections manager. 

Because, on my sixth visit to XXXX. for the complaint number above, I finally confirmed it is manager XXXX XXXX XXXX XXXX the one that against the Laws and with a discriminatory conduct, decided not to report the payments coming from my savings account at the same XXXX as payments, knowing it is a secured loan precisely to be able to use the savings there as a back up in case salary is lost. 

Because her un justifiable and illegal conduct, I included Fair Credit Reporting Act Violations, Fair Debt Collection Practices Violations, and XXXX Disrimination. 

She also decided not to report the whole payment history of the loan and an incomplete payment history of my payments paid personally.
Consumer complaint received 2024-08-01
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: Experian Information Solutions Inc. (CO)

When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-22
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/2024, I entered into a consumer credit transaction with Wells Fargo Auto, submitting a credit application with my social security number and autograph, creating value and a security interest as collateral security for them to borrow on my behalf, for a vehicle. They accepted my security interest, but then discriminatorily denied me access to the account. The account was created and I have been denied consideration, due to unfair and unlawful use of a third party credit scoring system that I have no business with. They are in direct violation of the Federal Reserve Act, section 16:1-2, which states all notes are obligations of the United States and shall be receivable by ALL national and member banks and XXXX XXXX XXXX  . They shall be redeemable in lawful money on demand at the Treasury Department of the United States. Any XXXX XXXX XXXX  may make application to the local Federal Reserve for such amount of the Federal Reserve Notes hereinbefore provided for as it may require. Such application shall be accompanied with a tender, to the local Federal Reserve agent of collateral in amount equal to the sum of the Federal Reserve Notes thus applied for and ISSUED PURSUANT TO APPLICATION. The collateral thus offered shall be notes, drafts, etcThere is NO law REQUIRING me to be subject to or defined by a credit scoring system, nor a consumer report, to be able to access my own securities through any XXXX XXXX XXXX  National or Member Bank.

Wells Fargo is actively committing security fraud and are intentionally and knowingly keeping me from trading, although I have prepaid for the vehicle, thus says Federal Law and congress.
Consumer complaint received 2022-09-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (GU)

Sent money twice to the wrong person via Paypal. 
The wrong person : XXXX XXXX XX/XX/XXXX : {$2100.00} XX/XX/XXXX : {$120.00} The correct person should be XXXX XXXX When I realized the wrong transaction happened on XX/XX/XXXX I communicated with the wrong person XXXX XXXX and requested refund but the person ignored. At the same date I filed a complaint to Paypal solution center for help but Paypal rejected. 

Case ID : XXXX Disputed amount : {$2100.00} USD Seller info : XXXX XXXX XXXX Date reported : XX/XX/2022 This is the feedback from Paypal : " After our review XXXX we found that certain transactions weren't unauthorized and hence couldn't be covered by PayPal Purchase Protection. ''
Consumer complaint received 2024-08-31
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. (WA)

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS.

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MS)

i sent the XXXX XXXX letters on XXXX, disputing the inaccurate and incomplete accounts they are reporting on my credit report. 15 usc 1681e ( b ) states that all information has to be 100 % accurate and complete before reporting on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX I HAVE ATTACHED A COPY BELOW FOR YOUR REFERENCE
Consumer complaint received 2020-04-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I have contacted capital one on several occasions to inform them my finances have changed and that i'm experiencing a temporarily financial hardship no longer working due to injury on the job. If possible what assistance can be offer to assist me during this hardship. What are my options. I'm able to make a little less the required payment. I was originally enrolled in auto payment. However due to loss of work i tried to cancel the automatic payment. I contact Capital One to inform them in Early XX/XX/XXXX to stop payments.However my account had a block due to verification purpose. Capital one customer service had to refer XXXX to the fraud department to correct this matter. I spent hours on the phone assisting representatives with the verification process. I email copy of my drivers License and tax return. However the customer service representatives were still unable to complete the verification process. I spent hours at a time on the phone. The customer service representative offer to call me back and apologize for the inconvenience. I was still unable to get any assistance or information in regards to my account. This happened over several weeks. This miscommunication, computer and system delays on capital one have caused a serious delinquency on my account. 
I was still making payments on my account XX/XX/XXXX i paid XXXX  XX/XX/XXXX automatic payment was attempted however payment returned XX/XX/XXXX. This was still continuing because account couldn't be verified however i made XXXX payment XX/XX/XXXX {$32.00}, XX/XX/XXXX XXXX  XXXX  I contact Capital One on several occasions in regards to my account and what i needed to pay to have account in good standing. I was told to make a payment before XX/XX/XXXX to avoiding falling behind 30 days. XX/XX/XXXX i made a payment of {$1300.00}. According to XXXX, XXXX  and XXXX  credit bureaus on XX/XX/XXXX, Capital one reported a late payment. I have contact them several times due to heavy call volumes, Capital One did not take any calls on several dates leaving automatic message indicating to call another time as a result of the Covid-19 Pandemic. I have spoke to other customers who informed that Capital One was offering options for hardships to all of its customers. If an investigation was done and call records were reviewed. It will indicate the poor customer service, system ( PC ) errors and lack of communication that caused my account to be reported negatively. I have been a customer over 10 years and have never been reported late. I have not received any mail correspondence about my account with Capital One. This is the reason i always called to verify any changes or issues. According to Fair Credit Reporting Act. I have the right to dispute any inaccurate or incomplete information. Capital One has refused to assist with any disputes.
Consumer complaint received 2024-08-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

On or about XX/XX/XXXX, I contacted USAA Bank to cancel the New Mexico 's property and auto insurance. I requested to have the adjustment break down and they posted an amount inconsistent with the cancellation of the monthly premiums they were charging. In addition, they want to charge for XXXX and adjust an illogical amount. Upon my concerns, unusual and unauthorized double charges for {$59.00}. XXXX and {$110.00} emerged from a vendor that was not supposed to have my debit card info, as it had been recently replaced. To make a long story short, it appears that they are scrambling transaction dates, adding and subtracting inconsistently double charges, mismanaging payment transactions compromising my information, and refusing to replace my debit card promptly, in what appear efforts to distract me from deceiving charges, thus obstructing my financial ability to make choices. 
I respectfully request to have my Debit Card made available in a timely matter, as more than 5 days have gone by and I have not received it. The posting transactions may be consistent with the date and time of the transaction, and payments made to creditors be consistent and reliable rather than scrambled and confusing. 
Respectfully, XXXX XXXX, XXXX : XXXX XXXX XXXX XXXX : XX/XX/XXXX USAA Account # XXXX
Consumer complaint received 2024-08-21
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation (TX)

My Loan began on XXXX, XXXX XXXX with ONE MAIN FINANCIAL FOR THE AMOUNT OF {$12000.00}, MY 1ST PAYMENT WAS {$420.00} XXXX XXXX, XXXX XXXX Afther that I had to pay {$320.00} monthly. I received my Total Bal, Due on line never seeing what they took out on me until XXXX of XXXX after I, ve made x 10 additional payment, s of {$160.00}, {$100.00}, or {$160.00} over. separately 7-10 days after my regular Monthly payment, With bold letter, s apply to Principal only!! In my Own envelope, stamp & etc after the on Line payment. For some odd reason they finally sent me a paper statement with my last three payment, s on it showing they took out {$27.00} intrest on the monthly payment then {$41.00} on the additional payments that states principal only!!! If they did this then My total bal due is wrong because I, ve sent them over {$1400.00} additional and they have been taking extra intrest out on me holding me XXXX, Stealing from me preventing me from paying this loan off ahead of Schedule! This is Fraud, / theft and will lead into a LAW SUIT! I have already PD this CO Over the {$12000.00} I borrowed. They still have my Bal due almost {$3900.00}.!!
Consumer complaint received 2024-08-22
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SIMMONS FIRST NATIONAL CORPORATION (AR)

RE : Complaint Regarding Non-Payment of Certificates of Deposit Dear CFPB, I am writing to formally lodge a complaint regarding my dealings with XXXX XXXX Bank. Many years ago, I purchased Certificates of Deposit ( CDs ) for my children and myself from the XXXX XXXX Bank. However, I allowed the funds to remain in the bank when I left the state in XX/XX/XXXX. Recently, after returning to the state in XXXX, I found the paperwork for my CDs and promptly contacted Simmons bank, which have since acquired XXXX XXXX Bank, to claim my funds. 
To my dismay, despite sharing with the bank 's XXXX of Directors that I am a XXXX  citizen, and that this situation has caused me significant stress, I have been repeatedly given the runaround. Although the bank has informed me that my accounts have been redeemed, I have never received any documentation or proof that I personally redeemed them. I have made clear to them, that I have never redeemed these CDs. 
I have requested clear and concrete proof of redemption, including my signature, as I am the only individual authorized to redeem these CDs. Despite my repeated requests, the bank 's representatives have ignored my inquiries and have refused to provide me with any evidence to substantiate their claims. This has been incredibly frustrating, and I believe I am owed thousands of dollars by the bank. 
I would greatly appreciate your intervention in this matter to ensure that XXXX XXXX XXXX XXXX provides the necessary documentation or compensates me appropriately for the funds that were required to be held in these accounts. 
Thank you for your assistance in this matter. I look forward to your prompt attention. 
Sincerely, XXXX
Consumer complaint received 2024-08-22
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: Experian Information Solutions Inc. (GA)

Please be advised this is my sixth WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted XXXXXXXX XXXX XXXX XXXXXXXX XXXX Unverified Account XXXXXXXX XXXX XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX XXXXXXXX Unverified Account XXXX XXXX XXXXXXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX XXXXXXXX Unverified Account XXXX XXXX XXXXXXXX Unverified Account Thank You, This is no a duplicate message and this is me I have my id and social security card attached as well as a utility bill. Thank You
Consumer complaint received 2023-02-14
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. (GA)

I reached out to the Bureaus XX/XX/XXXX regarding Account number XXXX which is a " XXXX XXXX account ''. In our communication each Bureau notified me that they " verified this account, '' and that " all information regarding this account was accurate. I then reached out to reach a mediation point with XXXX XXXX regarding this account and from speaking with them today XX/XX/XXXX I was informed that they : " aren't reporting this account to the four national credit bureaus, '' and that " this account was sold XX/XX/XXXX '' however as of Today XX/XX/XXXX this account is still on my credit profile. As a consumer I have the right to a credit report that is 100 % accurate. This account needs to be deleted from my credit profile IMMEDIATELY! I have also included a copy of that complaint in case the bureaus try and neglect my complaint. The response directly from XXXX XXXX  is on page 3 of the complaint where it details when the account was sold. The bureaus however are still reporting that this account is with XXXX XXXX.
Consumer complaint received 2024-08-20
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (CA)

I placed an order on XX/XX/XXXX from the XXXX website for the amount of {$1100.00} and got the delivery notification on XX/XX/XXXX. Unfortunately, I did not see the package. Then I contacted the XXXX online order customer service right away. They told me the package had been delivered. I need to contact the delivery XXXX and submit the claim. Then I submitted the XXXX claim to the delivery XXXX XXXX XXXX. They replied to me on XX/XX/XXXX and gave me the case number. Then they sent me an email on XX/XX/XXXX and stated after the investigation, the package had been delivered already and let me contact XXXX. Then I contacted XXXX again, and they said couldn't help. Then I tried to dispute the transaction through my Apple card on XX/XX/XXXX and got denied on XX/XX/XXXX due to the merchant having delivery proof. The amount remained on my account. Then I went to the local police office, the XXXX gave me the case number and report. After that I submitted the second time dispute and got denied again on XX/XX/XXXX. Then I submitted the XXXX and XXXX time disputes with the same outcome later. The last time I contacted Apple card on XX/XX/XXXX and declined the dispute at the first time. Later on the rep told me can help me submit the last dispute but I had to provide proof. Otherwise, the dispute gon na deny again. I don't have a camera or anything proof the package was not delivered. I don't know how to proof. Please help!!
Consumer complaint received 2023-08-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.
Consumer complaint received 2024-08-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC. (CO)

I have been banking with SoFi for about a year now. You can only deposit cash with one of their debit cards. The one they issued me was defective, the mag stripe stopped working, thus eliminating my ability to deposit my funds. I still needed to pay bills so instead I mobile deposited my check. SoFi canceled my card, AGAINST my very specific instructions not to do so on XX/XX/XXXX. They said they would mail me a new card and it would arrive within XXXX business days. It did not. They made me reorder another one. None of these cards have ever shown as " shipped '' in their own dashboard, and none have ever shown up on my usps inbound mail dashboard either. SoFi did this to me when I first opened my account as well. It took 3 attempts to get my card. I need access to my funds to pay bills.