davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Early Warning Services, LLC (VA)

From : XXXX XXXX XXXX XXXX XXXX ct, XXXX XXXX VA XXXX Email : XXXX To : XXXX XXXX XXXX XXXX XXXX XXXXk XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX Email XXXX Subject : official request of investigation Dear XXXX XXXX XXXX XXXX XXXX XXXX, I am writing as a follow-up to my previous letter dated XX/XX/2023, in which I requested assistance with investigating fraudulent XXXX  transactions totaling {$11000.00} that were sent from my XXXX XXXX XXXX account . 
I recently received a response from XXXX XXXX  XXXX declining to honor my claim or provide any substantial assistance. According to their letter, they stated that my claim was not received within the required one year time period from the date of the unauthorized transactions. However, their terms and conditions do not stipulate any such time restriction for investigating claims of fraud. 
As the regulatory body overseeing XXXX XXXX XXXXXXXX 's operations, I urge the XXXX XXXX XXXX to look into how they handled my case. It seems unethical for a major financial institution to dismiss a victim of fraud simply because arbitrary time limits have passed, especially when no such limits are disclosed in their own policies. 
I have provided all necessary evidence and information to XXXX XXXX XXXX, yet they declined to conduct a thorough investigation or trace the flow of stolen funds. As a U.S. citizen and customer of XXXX XXXX XXXXXXXX for over 15 years, I believe I have the right to expect legitimate assistance when large sums of money have been stolen from my account through fraudulent means. 
XXXX  XXXX XXXX has a duty to ensure that financial institutions under its purview are operating ethically and treating customers fairly. I hope that you will look into XXXX XXXX XXXX 's handling of my case and take appropriate action to compel them to properly investigate the fraudulent Zelle transactions. Victory against fraud requires diligence and perseverance on the part of regulators just as much as financial institutions and their customers. 
Please advise me on any further steps I can take or information I can provide to facilitate your investigation into this matter. I look forward to your prompt response. 
Sincerely, XXXX
Consumer complaint received 2023-08-25
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: IQOR US INC (CA)

I rented the storage unit in approximately XX/XX/XXXX, after losing my apartment to a {$650.00} rent increase. I rented the storage unit for {$110.00} per month. The rent was raised to {$120.00}, thereafter to {$140.00} and finally to {$180.00}, before I received notice earlier this year that my rent would increase to {$250.00} per month. I went to the office to explain that I could not abide such an increase with the rent on my apartment having gone up. The staff at the unit gave me a reprieve and didn't raise my rent to {$250.00} per month ; however, in XX/XX/XXXX, I realized that I would no longer be able to pay the storage and pay my rent - one of them had to be released. I explained that I would not be able to move everything out within the XX/XX/XXXX deadline, because I was moving alone - and at XXXX XXXX XXXX, that was just too much heavy lifting for me. The last item that I left in my storage unit was a bicycle. I removed that bicycle at XXXX on XX/XX/XXXX. I was told by management that since I accessed the storage unit during that day - I was then responsible for the entire month. 
Here is my complaint- why is XXXX XXXX allowed to charge me rent for a storage unit that I've moved out of? 
Why is XXXX XXXX able to charge such high rates, yet they are not forced to report good payments to the credit bureaus - yet they have access to report debt to the credit bureau. I called the district manager, XXXX XXXX XXXX, trying to negotiate this debt with her and I drove over to the facility on several occasions and she didn't respond. I just paid the debt in order to avoid collection, but that payment has placed a financial strain on me.
Consumer complaint received 2023-08-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (MD)

Background : - Checks for loan payoff were mailed on XX/XX/2023 - As of XX/XX/2023, Nelnet is not showing any and/or all payments- Confirmed with Title Company that funds were taken out on XX/XX/2023- This is for myself and my wife Check Numbers and the Amounts : Check XXXX U.S. Department of Education {$4400.00} Check XXXX U.S. Department of Education {$5600.00} Check XXXX U.S. Department of Education {$8900.00} Check XXXX U.S. Department of Education {$870.00} Check XXXX U.S. Department of Education {$1300.00} Check XXXX U.S. Department of Education {$1300.00} Check XXXX U.S. Department of Education {$1700.00} Check XXXX U.S. Department of Education {$2800.00} Check XXXX U.S. Department of Education {$3600.00} Check XXXX U.S. Department of Education {$3700.00} Check XXXX U.S. Department of Education {$3900.00} Check XXXX U.S. Department of Education {$4400.00} Order of Events : XX/XX/2023 : - XXXX - XXXX ID : XXXX on XX/XX/2023. On XX/XX/XXXX, XXXX mentioned despite the checks being cashed by Nelnet that they could not locate them and requested that we send evidence of check numbers and the amounts. 

XX/XX/2023 : - XXXX XXXX referenced above ). Was able to locate the checks and put in a request to have operational accounting allocate the checks to the accounts. Mentioned it would take XXXX XXXX days to show on the account despite Nelnet cashing the checks on XX/XX/2023. 

XX/XX/2023- XXXX mentioned there has been no updated on the account but showed the request in the system. 

XX/XX/2023 : - XXXX  ( Employee ID : XXXX ), mentioned she sees the request in the system but informs me to wait until the end of the day given it is the XXXX Business Day. XXXX Business day meaning it should be rectified on XX/XX/2023. 

I have called/emailed Nelnet  several XXXX and they are not addressing the issue efficiently and constantly come up with excuses. If Nelnet cashed the checks which already had account information, name etc, it should have shown in the account.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-06-25
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A. (CA)

On XX/XX/XXXX, I made a distribution request through XXXX XXXX XXXX to rollover my XXXX to a XXXX account. XXXX XXXX XXXX sent a check via XXXX XXXX Mail. The check was made out to XXXX XXXX [ [ My Name ] ] in the amount of {$13000.00}. 

I did not receive the check so I contacted XXXX. After several attempts, I was able to finally track down the check. It had been cashed by a person I do not know and that is not listed on the check. XXXX starts a claim with PNC Bank to acquire an affidavit. I fill out and send the Affidavit to the Bank via XXXX XXXX Mail. 

From XX/XX/XXXX to XX/XX/XXXX, I made countless phone calls and messages ( via XXXX online Help Chat ) to get a status update with no success. The XXXX representatives usual response was we put in a request to the XXXX Department. The customer service line at PNC Bank informed me that since XXXX is the client, they are not allowed to work with me directly so I need to have XXXX contact the bank. 

In XX/XX/XXXX, the XXXX representative from the XXXX XXXX department informed me that the bank did not receive my affidavit. I provide him with a copy to forward to the bank. 

From XX/XX/XXXX to XX/XX/XXXX, another string of calls and emails for status updates. During this time, I do not receive any contact from the XXXX XXXX Department directly so I continue communication with the same XXXX Representative from the XXXX XXXX department. 

On XX/XX/XXXX, the XXXX representative informs me that PNC Bank has confirmed the check was cashed by a bad actor but the " claim was denied at the bank due to no funds being made available to recall. 

XXXX also responds, " At this time the claim is closed, and XXXX was not provided the funds to provide to you from the bank. '' XXXX goes on to suggest that if I want a resolution, I should instead work with law enforcement. 

I request for XXXX to get clarification and additional options from the bank. I also file a police report and a report with United States XXXX XXXX XXXX. The XXXX inspector also informs me that in these cases, XXXX should have also filed their own reports so I requested copies of these reports from the XXXX representative. 

In XX/XX/XXXX, Ive sent multiple emails to XXXX requesting for the copies, for updates from the bank, and for any additional ways to help me resolve this case. Their only response so far is, Ive forward the request to our fraud team who is looking into getting the copies of the reports
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I am writing to formally file a complaint against Experian located in XXXX XXXX, XXXX. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act, causing me significant financial and mental distress. To begin with, they have reported an erroneous and unverifiable account on my credit report, and despite my requests for proof of claim as required by the FCRA, they have failed to provide the necessary documentation. Despite my persistent efforts to resolve this issue over the past XXXX months, Experian has consistently ignored my communications and legal submissions aimed at removing this inaccurate information from my credit report. It is disheartening to note that there are numerous other complaints against this company for their illegal and unethical business practices, yet they continue to operate. The unprofessional and negligent behavior of Experian has inflicted severe harm not only on my ability to establish credit and secure favorable interest rates but also on my professional reputation and personal well-being. I implore you to assist not only me but also other consumers facing similar issues by putting an immediate stop to these unethical and immoral business practices. I genuinely appreciate your time and assistance in addressing this matter and eagerly await your response.
Consumer complaint received 2023-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX XXXX XXXX : # XXXX, XXXX STAR : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-25
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: ACIMA CREDIT, LLC (NY)

my lease was going well I made all my payments on time and never missed any of my payments until XX/XX/year> when was time for the payout of the sum of XXXX that ACIMA double charge my account twice another XXXX so my bank called to inform me of fraud on my account because of the double payment I informed XXXX no it was not fraud but I only agreed to a one-time payment of XXXX on my account ending in XXXX and only the amount so XXXX  inform me because I took knows of one of the payments they were going to return both payments and not charge me a return fee of XXXX for each payment. 
I called ACIMA XXXX XXXX to inform them of the double charges and ask to resume a new payment because the last payment was flagged as FRUAD they stated they could not do anything until it cleared their system because on their end it was still pending I call back on XX/XX/year> to what was going on I was then informed by the rep the I have a charge of an additional {$400.00} to balance I stated I call three different time to clear up my debt which they report to the credit report. they told me to call XXXX with them on the line to say to them it was a double charge XXXX  fraud stated no because they took too long to come on the phone they wanted the bank and stated I only have half of XXXX 's statement that not good for ACIMA it's crazy they can either take the Bedroom set back or charge my account for XXXX
Consumer complaint received 2023-08-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (FL)

Citibank closed my account. 

On XX/XX/2023 I came to my Branch, located at XXXX XXXX XXXX, XXXX, FL XXXX. 
I came there to deposit check on my account. There the clerk of Citibank told me that my bank account was closed. 
I had a conversation with another clerk and his supervisor - there were not able to identify and explain the reason to close the account. Also they showed no interest to investigate. 

Important to mention : Citibank 's automated system called me on the week of XXXX XXXX XXXX XXXX  to settle-up an overdraft of {$12.00} that occur because of the standard charges for monthly account service fee, charged by bank. No other calls/warning from Citibank about closing my bank account were never received. 

By closing account that was not in the overdraft the bank cause great inconvenience to me.
Consumer complaint received 2024-06-25
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Westlake Services, LLC (GA)

Westlake financial is illegal attempting to collect a debt that was discharged in bankruptcy for US Auto Sales. They have been illegally collecting monies from me, acting as they now own the account from US Auto Sales that filed for bankruptcy in 2023. 

According to bankruptcy laws, it is illegal to sell or transfer the debt of a bankrupt company to another entity for the purposes of debt collection. In 2023, US Auto Sales filed for bankruptcy, and any outstanding debts associated with them were discharged as per the bankruptcy proceedings. According to the United States Bankruptcy Code ( 11 U.S.C. 524 ), once a debt is discharged in bankruptcy, creditors are prohibited from attempting to collect the debt. Despite this legal protection, Westlake Financial has continued to pursue collection efforts, including making threats to repossess my vehicle.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), debt collectors are prohibited from engaging in abusive, deceptive, and unfair practices. Westlake Financial 's actions not only violate the Bankruptcy Code but also the FDCPA ( 15 U.S.C. 1692-1692p ). 

Furthermore, under Georgia state law, it is mandatory to perfect any lien by filing a UCC-1 financing statement with the Georgia Superior Court Clerks . A certified search with the Georgia Superior Court Clerks revealed no such filing by Westlake Financial, indicating that any lien they claim to have is not legally perfected and thus unenforceable. ( See attached of certified search with Georgia Superior Court of Clerks ) Mandatory UCC Filings list from the state of georgia by county ( See Attached ) Also, Westlake Financial Services LLC, is not registered to perform business in the state of Georgia, as confirmed by the Georgia Secretary of State. ( See Attached )
Consumer complaint received 2024-06-25
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (DC)

XXXX I applied for a Citi Visa Credit Card with XXXX XXXX I received a denial via text message XXXX. XXXX  I called the reconsideration Dept at Citi to request a manual review. The first representative told me it was denied due to a bankruptcy reporting on my business credit file. I advised that Citi is in violation of the XXXX and the Consumer Protection Act. I requested that my application be retracted, since I was not extended my credit. The representative ask me to hold on while she escalated, XXXX mins later the call disconnected without me speaking to " XXXX. '' I called back and the business representative told me the denial was because of bankruptcy on my personal report ( Bankruptcy was administratively discharged in XXXX of XXXX, from the US Bankruptcy court. ) I advised this business representative of the same violations in additional to Citi committing securities fraud. This employee told me I would have not been approved due to my " low '' credit score and the collections which is discrimination. I spoke with XXXX a supervisor from the Business Credit department who also stated that the application was denied because of my credit score, as which is discrimination according to congress.

Securities fraud has also been committed because Citi has refused to retract my application.
Consumer complaint received 2023-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: NCP Holdings, L.P. (SC)

Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.
Consumer complaint received 2023-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY (NJ)

accordance to the fair credit reporting act this creditor has violated my rights. Under 15 U.S.C. 1681 section 602 states I have the rights to privacy, 15 U.S.C. 1681 section 604 ( a ) section 2 also states consumer reporting agency can not furnish an account without my wriiten instruction, under 15 U.S.C. 1666 ( b ) a creditor may not treat payment on a credit card under a open and consumer or credit plan as late.
Consumer complaint received 2019-04-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: ACS Education Services (TN)

In XXXX ACS took out FOUR payments at once & I need my money back, I don't need to be ahead until XXXX. Loan sold to XXXX & their # is disconnected! I literally have no clue if Conduent is my servicer because I can't reach anyone & no one is sending me bills because I'm paid ahead. Please help! 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Dave Operating, LLC (OH)

Round about 8 months ago I thought I was being charged for an account that's been closed I tried to address it with the support from Dave banking I was told my calendar been closed they had no other information for me it was explained what a monthly membership was like I was remedial I explained to them through eight more emails that I didn't have an account with them so I didn't need to be charged the monthly membership only to still be charged 6 months later when I looked at my statements and I went through a 17 emails this time they've asked for information like my last four socials my name birthday and give them all this information they told me they would straighten it out now 5 days ago 6 days ago I was told they're going to investigate it my question is why are you investigating I didn't take your money you took my money to support people have said you took my money and I don't have an account why can't you give my money back and that that makes no sense they're just for lack of a better way of putting it giving me the runaround I guess and that's not acceptable in the level of support that I've received from these people is not acceptable I have 8 months to open this time just wasted and can't get anybody to respond through an email with any question I have
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (FL)

WFBNA ( WELLS FARGO BANK HOME MORTGAGE ). ACCOUNT NUMBER XXXX ACCOUNT STATUS- SHOULD SHOW PAID IN FULL PAYMENT STATUS -SHOULD SHOW CURRENT COMMENTS- SHOULD SHOW PAID IN FULL XXXX ACCOUNT NUMBER XXXX ACCOUNT STATUS - SHOULD SAY PAID NOT CLOSED XXXX XXXX XXXX ACCOUNT STATUS -SHOULD SHOW PAID NOT CLOSED XXXX  - ACCOUNT XXXX XXXX ( XXXX XXXX XXXX XXXX ) THIS ACCOUNT WAS NEVER LATE AND IS CURRENT PLEASE FIX THE REPORT.
Consumer complaint received 2023-08-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Card Receivables Fund Incorporated (IN)

I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.