davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/year> I wrote a {$1000.00} check to attorney XXXX XXXX for legal fees. On XX/XX/year> I was searching for a loan, I received a call from a company pretending to be XXXX XXXX. I was told I was approved for the loan however in order to get the loan I needed to insure the loan and enroll in a credit repair program due to my low credit score. I was told they would transfer the funds to my bank account to cover these fees however I needed to purchase One debit cards from XXXX and load the funds to the card and provided them with the card information. By the next morning I realize I was scammed I called the bank and informed them I had been scammed they informed me the scammers called in and canceled the {$1000.00} check, the bank re-issued the funds back to my account within minutes of the scammers call, I had assumed XXXX XXXX had deposited the funds to cover the insurance and credit repair program but that's not what happened, they phone in and canceled the check pretending to be me. Now Wells Fargo bank won't reimburse me. On XX/XX/year> Wells Fargo took my funds in the amount of {$500.00} to cover the fraudulent mobile deposits they were fictitious check. I was also told I am responsible for the fraud and there will be no refund and if they charge the funds back to XXXX XXXX I will be responsible for the {$1000.00} and they will take the funds from my account. I feel the bank should have verified I had canceled the check before reversing the fund as I have never canceled a check since I've had the account.
Consumer complaint received 2023-09-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (IL)

I have a Parent Plus Loan that is handled with Nelnet, and I have not been able to access the account since XXXX. I have been logging onto the app intermittently to attempt to make payments, however it has been giving error message after error message. With loans unfreezing and interest accumulating, I am not sure I can afford to simply wait it out. I would like to be able to both see and access my loans at the moment, but the app and the website are not working.
Consumer complaint received 2024-01-12
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Affirm Holdings, Inc (GA)

You resolved my initial complaint with this company. I am on the phone with them now trying to get my account unlocked so I can make payments. They have reported me to XXXX and my credit score went down XXXX points. I am currently on the phone with them and they are saying it will take up to 20 days and they may reach out to the credit bureau 's and report me again. They can not unlock my account so I can pay which is what you guys told me to call and do. I need my credit to be reversed to what it was previously. The case ID they just gave me is XXXX.
Consumer complaint received 2024-02-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I filed a request with XXXX for an extended credit freeze due to being a victim of fraud and/or identify theft. XXXX processed and granted the request for an extended credit freeze. It is my understanding the other two credit bureaus would be contacted and put into place an extended freeze. Upon reviewing my file, TransUnion and XXXX have not put into place an extended credit freeze. 

I did my part and the system did not work as expected- Please help me ensure the other two credit bureaus do their part under the law / regulation and place an extended credit freeze under all bureaus.
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (OH)

I noticed my bankruptcy reporting on my credit report around XX/XX/23 I sent out via certified mail to US BANKRUPTCY courthouse and asked them who gave my personal information to the XXXX credit bureaus and XXXX... the courthouse sent me a letter in the mail received XX/XX/23 stating they don't share my information with any credit bureaus or third parties. 
On XX/XX/23 I then certified mailed XXXX, XXXX, XXXX, XXXX sending them the copy of the letter from the Courthouse and a letter demanding they delete the unlawful reporting tactic. Which none of them have and I have also spoke to all three credit bureaus on XX/XX/23 and they are refusing to do so. XXXX rep stated they get their infor from Pacer.gov .. yet still it was NOT the US Bankruptcy Court
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I noticed my bankruptcy reporting on my credit report around XX/XX/23 I sent out via certified mail to US BANKRUPTCY courthouse and asked them who gave my personal information to the XXXX credit bureaus and XXXX... the courthouse sent me a letter in the mail received XX/XX/23 stating they don't share my information with any credit bureaus or third parties. 
On XX/XX/23 I then certified mailed XXXX, Transunion, XXXX, Transunion sending them the copy of the letter from the Courthouse and a letter demanding they delete the unlawful reporting tactic. Which none of them have and I have also spoke to all three credit bureaus on XX/XX/23 and they are refusing to do so. Transunion rep stated they get their infor from Pacer.gov .. yet still it was NOT the US Bankruptcy Court
Consumer complaint received 2023-09-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION (GA)

I opened up an account at Regions and was told they have early pay. I have never received my payroll early. They are able to see it at least two days earlier than the payday but are not able to tell me why its not going in early. Also they are not honoring a credit when opening a new account. I asked about it and was told I have to open account online or in branch. However I did try online but was told so have to call to finish opening account.
Consumer complaint received 2024-06-11
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I paid off the entire balance of {$6200.00} on my Capital One credit card 5 days before the due date ( due date was XXXX and payment made online on XXXX ) which left a {$0.00} balance. On the next statement, even though no further charges were made and there was a {$0.00} balance, they charged me {$68.00} interest. When I called the company, they were very vague in how this interest occurred. This credit card advertises no interest will be accrued if the balance is paid in full before due date.
Consumer complaint received 2024-01-12
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (AR)

Navient and XXXX teamed up to defraud me as many other students with high interest private loans. As of today, XX/XX/2024 I owe XXXX in fraudulent student loans thanks to XXXX and Navient. I've tried using their income driven repayment plans, but Navient refuses to lower my payments to an acceptable amount. They are fully aware of said fraud and continue to harass me.
Consumer complaint received 2024-01-12
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc. (CA)

I've got the Vanilla visa gift card of {$500.00}. It was bought and activated at store 's register on XX/XX/XXXX. Recently, I've tried to use the card, but didn't work. I realized it's already drained whole amount on XX/XX/XXXX at XXXX. I want refund but they said contact XXXX and hung up the call.
Consumer complaint received 2024-01-12
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: COINFLIP LLC (CO)

In XX/XX/, I fell victim to a multi-layered scam operation run by XXXXXXXX XXXX  which involved me making deposits for a total amount of XXXX XXXX ( XXXX USD ) from my XXXX by CoinFlip  account to fraudulent investment firm ( s ).
Consumer complaint received 2024-07-19
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: V and H Portfolio (CA)

Beginning back in XXXX or XXXX during the pandemic I had someone use my identity to open up a cell phone plan with sprint. I filed a report with the XXXX XXXX police for Id entity theft in XXXX also had my credit frozen through XXXX or XXXX after the identity theft in XXXX or XXXX. I have also filed a Fraud Report with the FTC with the report number being XXXX for this other account that is fraud. 
Back in XXXX of XXXX I field a dispute with XXXX for a debt under the company name of XXXX XXXX associates. After XXXX reviewed the filed report they removed it from my credit file. Then a company named Vance Huffman has appeared on my credit report. It looks like they are the trying to collect on the same fraudulent debt that XXXX XXXX associates was trying to. I reached out to Vance Huffman for more information and was told to call a different company. This company called prime recovery stated that even if I had a fraud report or proof of fraud they would not remove this fraudulent debt. I have also ask for proof of verification of this debt which has not been given. I have also had fraud protection added to my accounts.
Consumer complaint received 2023-08-15
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. (CA)

This is one of my numerous 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 an alleged fraud or extortion. XXXX XXXX XXXX XXXX. Please delete this account ASAP.
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (FL)

why is this account being reported with 2 different dates of last activity? which reflects on my credit report as of XX/XX/2024. 

per Section 604 contains a list of the permissible purposes under the law. ( FCRA sections in the U.S. Code, 15 U.S.C. 

15 usc 1666 b A creditor may not treat on open end consumer credit plan as late for any purpose. 

XXXX XXXX sold the debt to a third party which violates FCRA 15 usc 60802 ( b ) Identity theft A financial institution may not disclose non public personal information to a non affiliated third party. 

15 usc 1692 ( f ) # 6 unfair practices talking or threating to take any non judicial action to affect or disablement of property. 

XXXX sold the debt and says it is closed yet are still reporting it as late on my credit, aswell as hurting my EX husbands credit XXXX XXXX, and sending harrassing letters after i requted them to stop.
Consumer complaint received 2024-03-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (NC)

Sunrise Credit Services , Inc . 
XXXX XXXX XXXX XXXX, NY XXXX Collection Inquiries Tel : XXXX Email : XXXX Fax : XXXX XX/XX/2024 Notification from Credit report of {$1500.00}. 
Do Not know what this is from and company just refers to website, for payment options : www.sunrisecreditservices.com
Consumer complaint received 2024-07-19
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: WELLS FARGO & COMPANY (FL)

I had contacted the company that held the loan Wells Fargo and was told to contact XXXX and XXXX XXXX neither company resolved this issue. After the investigation was complete their data was still wrong and shows a debt of XXXX which hasnt been paid in for XXXX days. The loan was bought out by another dealership as I purchased a new car. The loan is no longer under my responsibility and was paid off by the dealership.
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AL)

Experian sent me an email stating my score had dropped by points, noting that I had a new account. There have been no additional accounts nor is that information reflected on the Experian report. I attempted to reach out to them ; however, their automated system will not allow transfer to a representative. 
I sent them a customer service request, and they have yet to respond. 
My file is frozen with all 3 reporting agencies, as such it is not possible for an account to have been opened without my knowledge..
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Absolute Resolutions Corp. (TX)

XXXX XXXX  has charged my debt off and failed to provide the information I asked for. I didnt receive how much my debt was sold for. They sold my debt to multiple collectors violating my rights under the FCRA according to 15 USC Showing on my credit multiple times for the same debt. They sold my debt to XXXXXXXX XXXX XXXXXXXX and Absolute Resolutions XXXX. All 3 of these companies are reporting on my credit at the same time causing defamation of character.
Consumer complaint received 2023-11-16
Product: Vehicle loan or lease — Lease
Issue: Repossession — Voluntary repossession
Company: GOLDEN 1 CREDIT UNION, THE (CA)

This Car had too many problems the 2nd day I had it.

It also had 3 cracked rims someone tried to fix it .and problems with alignment. 
The warranty was not honored which is a breach of contract. 
Also, They never disclosed to me that they were gon na take my financial assets.
Consumer complaint received 2023-03-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aspen National Financial, Inc. (FL)

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MD)

CFPB sent me a letter stating that someone submitted complaints on my behalf but it was a falsely accusation. I did the letter many times and I have submitted dispute letters to the Credit Bureaus but the accounts are still on my credit report. It is really frustrating because it affects my credit score and my livelihood and. I will be attaching all the letters that I have sent to them here. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-12
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: CITIBANK, N.A. (NJ)

I am extremely dissatisfied and disgusted at the way Macys company has handled my account. In XXXX I was victim of credit card fraud, where my Macy 's card was used to purchase multiple items from a XXXX store, and and other locations which totaled to be around almost {$400.00}. When I realized the fraud on my account, because for some reason it wasn't flagged as suspicious activity, as any other credit card company would have done. I was then instructed by Macys team it would take one to two billing cycles for the investigation to be complete and I should not make any payments to the account to avoid being overcharged any interest due to the fraudulent activity. Which I was concerned about, because I did not want to receive any late fees nor have that affect my credit rating. I was told I should not worry, for they will remove any late charges I receive. Which you can see took place on my account. Now today, when I tried to confirm that all fraudulent activity was removed from account, so that I could move forward. I notice that my credit limit decreased by {$600.00}, which is insane. Because now it looks as if, I am at the max limit of credit card. When I called and spoke with numerous people after being bounced around back and forth from rep to rep. Because I was told by one person, they didn't even see I reported a fraud case, which I knew was false information. Because I called Macy 's customer service about 10 times between XXXX and now. After being on hold for nearly 45mins. I was connected to supervisor XXXX id # XXXX Who told me he did see I reported the fraud, but its still under investigation and now its going to take another month for it to be completed. Which is not what I was told by the rep who I initially reported the fraud to. Then to add insult to injury, He told me my credit limit was decreased because of the nonpayment for over 30 days. Which is outrageous because I was instructed by Macys company not to make any additional payments until the investigation was complete. Now I'm being stuck with a negative account status and a maxed out credit card for following their company 's instruction. My card was setup on automatic payments, I have never been late on any payments since I had this card up until I became a fraud victim. So to reduce my card limit which affected my credit rate tremendously is horrible on your behalf. I Do not even wan na be a member to Macys company any longer, I am going to voice my experience on every consumer an credit card bureau outlet I can find. Because this is not fair to any customer, and I would hate to see someone else be subjected to the treatment I received. You would think as victim to credit card fraud, the company I trusted with my well being would be there to help you thru this horrific process. However, they are only adding to the distress and suffering of the situation.
Consumer complaint received 2024-01-12
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (NM)

The funds in the trust account became mine as of XXXX XX/XX/2024. I filled out all requested forms, notarized signatures, etc. as requested by trust holder ( Wells Fargo ) well in advance of this date, as requested by trust holder. They confirmed that everything was in order, and I owed them nothing else. It has been 10 days, and not only do I not have my money, but I can't get any information on when they plan to transfer it to me. Numerous e-mails and calls have been fruitless.
Consumer complaint received 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: RFNA, LP (TN)

This letter is to inform you that I still dispute this public record. After not receiving your response to my original dispute letter, I contacted the original creditor who was unable to verify this account as mine. 

In my opinion, you have failed to validate this debt. I must remind you that I originally disputed this debt within the 30-day dispute period outlined in the FDCPA and that I am now also responding in a timely manner to your attempt to validate this debt.

Because I still consider this public record as " still in dispute '' I do not expect to hear from you again except to provide information or documentation to clear up my reasons for disputing this problem.

I already advised you in my previous letter that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act and that I will not hesitate to take all legal steps necessary to protect myself. Be advised that I am keeping accurate records of all correspondence including tape recording all phone calls.
Consumer complaint received 2023-11-17
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

Someone tried to open a credit card in my name. I received a few emails from Capital One about a credit card application. I an email today ( XX/XX/2023 ) that stated that my application was declined. I never submitted an application yet I had XXXX credit inquiry showing up on XXXX Credit Report. I called Capital One and reported it as a fraudulent application.
Consumer complaint received 2024-07-19
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: LDF Holdings, LLC (FL)

I have been a customer with Loan At Last since XXXX of XXXX. I have paid off loans in the past successfully. On XX/XX/XXXX of XXXX. I reached out to a representative named XXXX and she told me that she would reach out on Monday XX/XX/XXXX to discuss options. So on Monday Morning of XX/XX/XXXX I reached out and I spoke to XXXX and she put me on a payment plan of XXXX XXXX  weekly payments of {$75.00}. On XX/XX/XXXX I reached out to XXXX to revoke the ACH to pay manually. I made a payment On XX/XX/XXXX. In total I have made XXXX payments of {$75.00}. I am currently struggling to make ends meet and I would like to settle for what I have paid and close the loan and I have been a previous customer before. I am on a fixed income and I have other financial obligations I have to meet. I look forward to a resolution.
Consumer complaint received 2024-01-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (AL)

I have no idea what and who this is! They said I needed to contact them by XX/XX/year> which is what I am doing with the CFPB. They need to provide documents I requested according to my consumer rights!