davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO. (ID)

Received the credit card XX/XX/XXXX. Made on transaction amaynd the card was flagged as fraud. Waited until XX/XX/XXXX to get a replacement. Used the card and again flagged for fraud. However, this time I was traveling and had to sit in the hotel lobby for XXXX hour on the phone before I could check into my room. XX/XX/XXXX the card was then again shut off for fraud when I used it to purchase XXXX tickets. Spent another hour on the phone. Tried to make another purchase and again, same day, within minutes had to call back and speak to someone for another hour. XX/XX/XXXX, called to inform Chase I would be traveling and to not flag the card as fraud. The lady reassured me everything will go through and on XX/XX/XXXX, the card has been flagged for fraud. Not to mention I am XXXX states away and hundreds of miles from home. If I didn't have a back up to this rather shotty credit card company, I would be stranded. This company is the worst and I am going to make sure to tell everyone I know and have them tell everyone they know. What a joke and a waste of time. I have never experienced or witnessed something like this.
Consumer complaint received 2024-07-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc (CT)

Paypal refused to provide us with appropriate information as to the closing or lockup of one of our accounts. Despite a week of trying to get a straight answer, I was constantly sent a standard copy and pasted response. This blocks and closing of our account also blocked us from any phone communication with PayPal via our account. This forced us to search the internet for a corporate number for Paypal. This led us to a scammer but we did not know this. This is where TD bank gets involved and then refused to stop a fraudulent withdrawal from our checking account despite be contacting immediately when we discovered that this was NOT a verification process at all but a scam. We had no way of knowing the difference as the previous verifications by the supposed company, Paypal, had no issues. The 4th verification was the one that turned out to be a scam. Paypal is also culpable in this case as it would not have occurred if they had not blocked our account and prevented us from properly reaching customer service through our PayPal account.
Consumer complaint received 2023-05-05
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc. (MA)

My name is XXXX XXXX XXXX. On XX/XX/2023, I made a shipment for a family member from the United States to XXXX for a value of XXXX dollars with the Remitly application, the money was for express shipping. The money did not reach my family member and they told me later that the money would arrive on XX/XX/XXXX XXXX XXXX in the  XXXX  to my family member, but that was not the case either. I contact Remitly to cancel the transfer, they cancel it and it is the time that they have not returned my money for almost 1 month. They told me that in 10 business days the money would be in my account and this is the date that was not the case, I contacted them and they do not give me an answer, they just ask, they tell me that the money is in my bank and my bank tells me it's not true. My Bank made a claim to Remitly and they don't respond to my Bank either. I sent my account statement to Remitly and they don't give me a solution. Please I ask for your help with this case. shipping reference number XXXX
Consumer complaint received 2023-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.
Consumer complaint received 2023-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

This complaint is my follow-up process to make sure the disputed items that I've complained about in my previous complaint be removed immediately. Please remove the following items in my file for I believe heya are fraudulent : 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
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: T.S. Holdings (FL)

The 1st letter was sent on XX/XX/2023 and received on XX/XX/2023 XXXX Tracking # XXXX In the first letter I disputed and asked for validation and verification of the debt. 

The 2nd letter was sent on XX/XX/2023 and received on XX/XX/2023 XXXX Tracking # XXXX In the second letter I asked again for the validation and verification of the debt. 

The 3rd letter was sent on XX/XX/2023 In the third letter I asked once more for the validation and verification of the debt, it was not marked as disputed so I informed them that they violated a federal law. 

Tracking # XXXX
Consumer complaint received 2018-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Receivables Management Partners, LLC (MD)

Paid debt off. RMP says I have to wait till the XXXX of XXXX To have it removed from my credit. I want it updated ( now ) within the next 24 hours with the 3.credit bureau. Thank you.
Consumer complaint received 2023-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc (NY)

I ordered a XXXX XXXX in XXXX and a pair of shoes and a mat. They sent the bike and then the mat & shoes later on. They ( XXXX ) in error charged me for whole another bike. i made payments on the one back and to XXXX and Affirm the error. They said they would correct the error and refund the money. i informed them I was not going to pay XXXX $ becasue I was already paying on the only bike I have. And I only owe for the mat & the shoes. They agreed and said they would fix and notify firm who was the credit company that gave me the loan for the Bike. I started a complaint & dispute with affirm they said they was working on it. 

Afirm sent a response to me and said as of XX/XX/ they have not received a refund and I did not see a refund on my affirm account. then on XX/XX/ they said they said they see the return ad it was credited on XX/XX/. I was never notified by Affirm or XXXX of this credit refund all I saw was the XXXX listed on my account. I called XXXX XX/XX/ to see what the status was they said they had been sent the refund to Affirm. I called affirm the same day and said it was true they had refunded them and my balance now was XXXX 3 days later I paid the entire balance off. 

15 days later I got a ding on my credit report from XXXX saying this account XXXX falsely charged was 30 days past due and later I got hit with a 60 day past due amount for the XXXX. I disputed with XXXX, they came back and said affirnm said they are reporting correctly. 
I never was 30 days or 60 days behind as of XXXX  Affirm representative XXXX said he did not see the refund.to my account I paid it 30 days later and then on XXXX XXXX XXXX and affirm representative said she see the refund back in XXXX and no one from XXXX or Affirm contacted me about the change. 

I need to have this remove on my credit report my accurate amount was XXXX which I paid. I can never be late on a Fraudulent or a duplicate charge of XXXX. 

Please I need help with this this have dinged my credit scorXXXX XXXX point just off the 30 days late.
Consumer complaint received 2023-05-05
Product: Credit card or prepaid 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: Atlanticus Services Corporation (MI)

This is the second dispute with the company I recently called Fortiva Inc. and they are still giving me trouble with my dispute. 

XX/XX/ a bill payment was made to Fortiva by XXXX bank as stated in the previous dispute. XX/XX/ the check was cashed and on XX/XX/ the payment was due. Fortiva calmed they never received the payment XXXX bank has sent me proof that the check was cashed by Fortiva and I sent a copy of the check to Fortive on XXXX XXXX XXXX and they have yet to respond its been XXXX  days total. I called today XX/XX/ and I am still getting the run around I would like some help with this matter.
Consumer complaint received 2023-12-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC (WV)

Per the FCRA, as a Federally protected consumer, I am now Opting out of Any and All Authorization. I, the consumer may have given you written/unwritten/verbal and nonverbal per 15 USC 6802.
Consumer complaint received 2024-07-03
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: Everi Payments Inc. (WV)

I used my Visa credit card at an ATM machine at the XXXX XXXX XXXX in Maryland... the machine was owned by Everi. I tried obtaining {$500.00} cash withdraw and the machine processed the transaction and stated, " Approved '', ask if I wanted a receipt inwhich I stated no and then the machine DID NOT dispense the cash. The transaction showed pending immediately with my credit card company. I brought this to the immediate attention of the XXXX XXXX XXXX and they researched and stated the machine showed that the transaction " declined '' and " did not dispense cash '' ... 3 days later the transaction posts to my account and I was charged {$500.00} plus bank fee for this transaction. 

I made contact with XXXX the company who owns the ATM machine and they stated after researching that the machine dispensed the money and I had to file a fraud transaction with XXXX XXXX XXXX XXXX XXXX XXXX XXXX card company ). I filed a fraud complaint. 

I then made contact with XXXX XXXX and ended up speaking with their Finance XXXX who audited the machine and also had security review the footage and it was confirmed that I DID NOT receive the {$500.00} and she stated XXXX different reports from their system showed XXXX different things, XXXX showed dispensed and the other showed not dispensed. But again surveillance footage proved that I DID NOT receive the money from the ATM. Instead of immediately reversing the transaction and returning my money, I'm being forced to continue my dispute through my credit card company to be made whole. The XXXX did offer to issue me a check for {$500.00} but wanted me to drive 3 hours total round trip to get it or they could mail it to me, but did not offer compensation for the ATM fees nor the cash advance higher interest that I would be charged by my XXXX XXXX for XXXX XXXX XXXX to 14 day turn around. 

It is also important for me to note that this is the second time I have experienced an ATM problem at XXXX XXXX XXXX and using these EVERI ATM machines! This needs investigated because clearly this is fraud.
Consumer complaint received 2023-09-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: ALLY FINANCIAL INC. (NY)

They owe me money for a duplicate payment of {$130.00} that I made after they mistakenly or falsely claimed that I missed a pavement. XXXX denied that I made the payment. After making another payment, they found the first payment and credited it to my account. However, I had already closed the account and XXXX sold their business to Ally Bank. Apparently, I've fallen between the cracks. 

My final statement lists a credit for {$130.00}, but the card is no longer valid because the account is closed. I'm unable to contact anyone, apparently because I closed the account and then it was sold. 
Account Number ; XXXX.
Consumer complaint received 2021-02-07
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (AZ)

I sold my house and the funds were wired to my account and the bank has put a 10 day hold on my money. Originally I was told that they would put a 2 day hold on it and when we went to get money out they put a hold on it and said we couldnt get our money until the XXXX. I have purchased another home and I need my funds. There is no reason foe this hold it wasnt a check it was a wire and they refuse to release this hold.
Consumer complaint received 2023-12-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV)

Transunion is in violation of 15 USC 1681- Congressional findings and statement of purpose ; ( a ) Accuracy and Fairness of Credit Reporting ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

Closed Accounts for XXXXDep. of Education are incorrect. Please refer to attachments. 

Please delete Hard Inquiry for XXXX XXXX, for I never gave written instructions for that Hard Inquiry to be placed on my Consumer Report.
Consumer complaint received 2023-10-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (WI)

Date Assigned : XX/XX/23 Amount Owed : {$1800.00} never did any business with this collection agency, Im being extorted and scammed Ive never had any business with them or signed a contract. I never gave any third party to report anything against me either or information. I dont know who this company is and this information is erroneous. I want these items removed off my credit report immediately.
Consumer complaint received 2023-10-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (IL)

I submitted my SAVE plan application to Nelnet in XXXX. As of XXXX they have yet to approve it or let me know what else they need to process it. They refuse to answer any phone calls - wait times are 5+ hours and have not replied back to emails I have sent. They have turned off any social media messaging so there is no way to contact them about this. They placed my loans under forbearance instead of communicating with me and by doing so - my interest is accruing daily. If they simply process my SAVE application, this interest would not be accruing. I am simply trying to make payments but no one will reach back out to me.
Consumer complaint received 2023-10-26
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. (NJ)

Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.
Consumer complaint received 2023-07-08
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: Experian Information Solutions Inc. (MD)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AZ)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion 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
Consumer complaint received 2023-12-26
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (NH)

I had XXXX in my account on XX/XX/2023 and I went to get things I needed since I am on social security with a fixed income and now I am XXXX negative when I know I had the money and when I asked well fargo why I was in the negative they told me that there was no XXXX in my bank account but I know what I seen in my bank account and I have been fighting with them for about 6 months now and dont know what I can do and this isnt the first time this has happened to me with them I also had XXXX taken out of my account after I deposited I check a friend give me to help me out and the only thing they said to me was refer to maker
Consumer complaint received 2023-10-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HSBC NORTH AMERICA HOLDINGS INC. ()

My checking account, savings account, and credit card at HSBC Bank USA have been inaccessible and unavailable since XX/XX/XXXX, during which time I called HSBC Bank USA customer service and was consistently told that it was being reviewed by the bank 's Risk Control department, however, no staff member told me why it was being reviewed and what the results of the review were, which has resulted in me not being able to pay back my credit card bills through my checking account.
Consumer complaint received 2023-10-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (MI)

I filed 2 prior complaints regarding this problem. The company did not answer the question the first time and its 2nd responses not correct. 

The origination date of my loans is XXXX. 

Origination is defined by the Federal government as " the date the funds were distributed to the school or the borrower. '' Nelnet has the date as XXXX. No FUNDS WERE DISTRIBUTED in XXXX  therefore it is NOT the origination date. 

Nelnet 's response was as follows : " The origination date is correct as XXXX  for the Consolidation Loan because that is when the funds were disbursed to you for the new loan. '' Let me be perfectly clear, NO funds were distributed in XXXX  to me or the school. Zero. No new loans were originated in XXXX. 

XXXX  was the date the loan was transferred from XXXX  XXXX XXXX XXXX XXXX XXXX and the loan was consolidated from one servicer to another servicer. NO NEW LOANS WERE ORGINATED OR DISBURSED TO ME OR THE SCHOOL IN XXXX THERE WAS NO NEW LOAN. 

Please correct the origination date to the date the funds were orginated and distributed directly to XXXX XXXX XXXX.
Consumer complaint received 2023-12-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MA)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 2024-06-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (CA)

XXXX ( PDT ) on XX/XX/24, Wells Fargo fraud department contacted me to validate Bill Pay transactions I set up in the Wells Fargo portal. I was asked to verify the name of the merchants and amount of payments. I was only able to provide the name of merchants and partial amounts. I advised I would need to place the caller in hold to access the amounts. When the transactions were set-up, I also completed secondary authentication. The Wells Fargo representative said, this is the fraud department, and we don't get put on hold. You will need to call us back : and I was hung up on. My account is now locked, and I can not transfer any money into or access the portal.
Consumer complaint received 2023-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NM)

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

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.