davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-16
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (NY)

The gift card was purchased on XX/XX/2023 at a XXXX XXXX store in XXXX XXXX XXXXXXXX and was given to me on XX/XX/2023 ( I have the receipt of the card purchase ). I checked the balance the same day and it was XXXX. I called customer service and I was told that I should call back in 10 days, which I did and I was told that the balance was still XXXX and I have to file for a card dispute and i would get an answer in 45 to 90 days. I received an email on XX/XX/XXXX from the card company with a denial of returning the money on the card. 
I checked the transaction that was made using all {$500.00} and found out that the transaction was made 3 days after I had already complained that the balance was already XXXX. 
So, I got the card on XX/XX/XXXX, checked the balance on XX/XX/XXXX and found it XXXX, but someone used the card, to make a bet at XXXX XXXX, on XX/XX/XXXX. 
I think this is an inside job, trying to rob people of their money. 
How can the card be used on XX/XX/XXXX when it had XXXX money on the XXXX?! 
Please help me get my money back! 
Thank you, XXXX XXXX
Consumer complaint received 2023-12-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (IL)

My student loan servicer was XXXX. I had a payment of {$11.00} due on XX/XX/XXXX. I made this payment on XXXX, to be posted XXXX. 

On XXXX, my servicer switched to Mohela. Upon creating an online account with Mohela, I noticed my XX/XX/XXXX payment was still showing due. I assumed it was still in processing. 

On XX/XX/XXXX, I sent a message via their secure message center, asking why this payment had not posted and was now showing past due. I received no response. 

On XX/XX/XXXX, I received a " friendly reminder '' from Mohela that I had missed my XXXX payment. 

I requested further clarification via their secure message center on XX/XX/XXXX. I received no response. 

On XXXX, I received an email from the Department of Education informing me my XXXX payment had been missed. 

The payment is not showing when I log into my old XXXX account ; only XXXXXXXX XXXX  payoff of the total appears.
Consumer complaint received 2023-01-07
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: Experian Information Solutions Inc. (WI)

After reviewing the FCRA ( which governs how information is furnished in a consumer report ) as well as consumer law, it has come to my attention that your company is violating the law ( s ) set in place to protect the consumer. Last time I checked, company policies do not trump federal law. If this is the case, send me documentation ( s ) supporting the claim.
Consumer complaint received 2023-04-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

This is my 10th 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 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 2021-04-02
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)

I demand the deletion of the fraudulent inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : XXXX. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 3. XXXX Bank XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 4. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 5. XXXX  XXXX XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 6. XXXX XXXX Na on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX  XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft )
Consumer complaint received 2017-03-13
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (CA)

Closed Wells Fargo Secured Card ( and my checking and savings account ) and asked that the {$300.00} that I deposited for the secured card be mailed to me. I was asked what address to send it to and I gave Wells Fargo my current address. After about 2 weeks, I called and told Wells Fargo that I never received the check. I was informed that it could take 45-60 days to mail it to me ( first I heard that )! I asked could I pick up the check at a Wells Fargo bank and told no. This is absurd to me. I wish I could make a payment I had due, if I had one to Wells Fargo, in 45-60 days. Just give me my money back. How hard is that Wells Fargo? Why are they holding it?
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IL)

This letter is a formal complaint that you are reporting inaccurate and fraudulent credit information on my credit report. I would like to inform you that I am a victim of Erroneous and Inaccurate Information on my Credit Report, which led to the posting of false information. The Fair Credit Reporting Act state that your failure to provide a Valid and Verifiable Proof obligates you to immediately REMOVE the UNVERIFIED and FRAUDULENT accounts listed. It has been longer than the 30 days since I sent my previous request for correction but you have clearly failed to take any actions.
Consumer complaint received 2023-12-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS) (NY)

These companies broke the law and violated 15 USC 1681 ( a ) ( 1 ) & 15 USC 1681 ( e ) maximum accuracy compliance and procedure they hired XXXX, XXXX, and XXXX who are furnishing inaccurate and unverified information on my consumer report. Proof of inaccuracies is attached ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX  ) ( XXXX ) ( XXXX ) ( XXXX ) This is making me lose confidence in the banking system due to these violations. I the consumer does not grant XXXX, XXXX, or XXXX the permission to furnish these inaccurate reports I demand that they delete this account from my consumer report. in accordance with the fair credit reporting act convergent XXXX, XXXX, and XXXX has violated my rights. 15 USC 1681 section 602 A. States I have right to privacy 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

On XXXX XX/XX/XXXX an electronic letter was sent from USAA through my online banking for an account that was in the negative - {$4.00} ( Ending in XXXX ). In the electronic letter the bank mentioned the account was ultimately closed in XX/XX/XXXX due to the account being in the negative. However, I was not aware of the status of my account until XX/XX/XXXX when I tried to log into my account and viewed the letter. In XX/XX/XXXX, I tried to open an account with another bank and I was denied due to critical information that was being flagged on my consumer reports. I am unable to open any other accounts with banks that I have applied to, which tells me there must be some critical information on there that will not allow me to do banking with any other banks. USAA is the only bank that I have ever worked with and had a great relationship with until my account closed. The only incident that I can think of that could be tied to this was back in XX/XX/XXXX a company by the name of XXXX XXXX XXXX XXXXXXXX XXXX XXXX sent a check to me under their financial services check system however, USAA updated that check as invalid. I then contacted that company and expressed my concern, and I was told that some of the information was incorrect on the check and that another check would be sent out, which they did send back out and I tried to cash that check but once again the bank updated it as invalid. After that incident I chose to no longer communicate with this company due to this company invalid check activity on their part. The account was put in the negative because of this company 's actions, which was out of my control. XXXX XXXX XXXX XXXXXXXX XXXX bears responsibility for this. I am requesting for USAA to remove any negative flags on my account if there is any in regard to this account as I was not notified previously if the account was being closed for any other reason, otherwise I would have disputed it and provided any information requested. I am also requesting for XXXX XXXX XXXX to also remove any negative flags on my account in regard to this account and also send a copy of my report. This is causing an extreme hardship since I can not have any direct deposits/paychecks at this time.
Consumer complaint received 2016-04-29
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: National Credit Adjusters, LLC (TX)

On  XXXX / XXXX /  XXXX   I received a call from  XXXX . I answered my cell phone and talked to a  XXXX   XXXX . He told me he was calling of an old payday loan that was sold to his company from  XXXX   XXXX . I asked him how much did I owe. He told me that I can go on 4 monthly payments of {$390.00} per month, 6 monthly payments of {$350.00}, or {$260.00} for 8 months. He also told me I have a balance of {$2100.00}. I called  XXXX   XXXX  they told me I borrowed {$1000.00}. I asked  XXXX   XXXX  if you can mail me verification of debt. His comment was that he does n't have to provide any verification of debt. I thought that was a federal law to provide verification of debt. I never received any notification from  XXXX   XXXX  that the loan was being sold to another company. I asked  XXXX   XXXX  which company he represents he told me  XXXX   XXXX  and then told me he represents  XXXX   XXXX   XXXX . I have no idea if this company is legit or they are trying to scam me.
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HW Holding, Inc (MD)

Called Hunter Warfield on XX/XX/24 inquiring collection reporting to only XXXX. The balance reporting is {$5700.00} but Hunter Warfield stated on the call that the balance is {$2700.00}. I have not made any payments or been aware of any payments made. They would not send me copies of the balance they show, who made the payments and when. If I can't have access to this information why are they reporting it on my credit? They stated they have outsourced the debt to XXXX XXXX. Called XXXX numerous times and left on hold not being able to speak to anyone.
Consumer complaint received 2023-12-15
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ability Recovery Services, LLC (NY)

The company report me 4 times for a bills i never owned and the company don't have any of my correct information such as address, social security number ... that actually brings my credit score very down ... As a XXXX XXXX XXXX that reports mess up all my business. 
-ABILITY RECOVERY SERVICES ( XXXX XX/XX/2023 ) {$1400.00} -ABILITY RECOVERY SERVICES ( XXXX XX/XX/2023 ) {$1300.00} -ABILITY RECOVERY SERVICES ( XXXX XX/XX/2023 ) {$520.00} -ABILITY RECOVERY SERVICES ( XXXX XX/XX/2023 ) {$1400.00}
Consumer complaint received 2023-12-15
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Credit Karma (FL)

I was offered a XXXX XXXX  credit card from Credit karma, On XXXX XXXX XXXX I deposited {$80.00} on XXXX next day I found a {$54.00} purchase that I never made I file a dispute and never got a response, then I file another dispute this time they canceled my card and ordered another one ( still I haven't receive it yet ), Today XXXX  I called and was transferred through departments finally I give up. I just want to get my money refunded and I will cancel all ties with Credit Karma for good, thank you for any help in advance.
Consumer complaint received 2017-03-20
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: M&T BANK CORPORATION (MD)

I opened an account and everything was fine besides a discrepancy about fees that were assessed. that was corrected and now here we are yet again. Only this time, I deposited a check in light of it clearing there was fraud on that account and I had to close. As a result I went to a ATM and deposited more then enough to cover as a supplement so to speak, since when I called customer service they advised me there was nothing that they could do since it was done via mobile. Now here we are and they are keeping the money that I had in the account and charging fees that I would not have if I were to have the debit card to make transactions. This is very draining having being a new member and being as up front as possible. They locked all access and told me that the debit card is no good. All of this was done with no written communication. If I did not visit and ATM for it not to take my money. I would never know the problem when actually I still do not know the issue since I tried to clarify fix the problem. I could not help my stuff stolen and the only option was to close the account. In addition is was a first time offense.
Consumer complaint received 2023-12-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (NC)

I called MOHELA in mid XXXX ( around the XXXX ) and asked to change my date of payment from the end of the month to the XXXX. They told me it would take XXXX billing cycles to happen. So I called in XXXX ( around the XXXX ) and they said it had not gone through and they would reapply and to check back in 1-2 billing cycles. I called in early XXXX to findout that my date still had not been changed and was still in " process '' and could not be expediated. I also found out during this call that there was an error in my first call and I was in " pay ahead '' status which makes it where they can not automatically change my payment date. I was told that this should have been fixed by MOHELA at the time. However, none of this was communicated to me via email, mail, text, or online portal messaging. I have been working with an ombudsmen at the Department of Ed XXXX XXXX ( XXXX ) who has not been able to get MOHELA to respond to her on why my date isn't changed. This whole time I have asked for administrative forbearance until they can solve the issue and am not getting the loan rate discount since I am not in autopay.
Consumer complaint received 2018-08-06
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

I checked my credit score in XX/XX/2018 through Experian.com agency, and never signed up for any monthly membership services but they keep charging my credit card monthly, despite my attempts to cancel it. I call my bank every month just to make sure I stop billing from them, but seems somehow they keep charging me. So upset and helpless. I was unaware there was monthly reoccurring charge, and they billed automatically.
Consumer complaint received 2023-12-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (TX)

I submitted a SAVE application through StudentAid.gov on XX/XX/XXXX as part of the new beta roll-out. StudentAid.Gov confirmed the completed application and sent this to Nelnet, my loan servicer. No response from Nelnet whatsoever.

I re-applied via StudentAid.gov on XX/XX/XXXX again. No response from Nelnet. I applied on Nelnet directly on XX/XX/XXXX. No response. 

I called Nelnet customer service multiple days throughout late XXXX, averaging XXXX hours on hold. I finally had to re-apply via phone on XX/XX/XXXX. I received notice shortly after that I was approved to be on the SAVE IDR plan, but at a cost that was significantly higher than what I should owe based on my income. In my XXXX taxes, I was earning slightly over XXXX XXXX. I was laid off XX/XX/XXXX. Since my new role in XX/XX/XXXX, I now earn XXXX XXXX  and supplied all documentation to support this with paystubs. No response from Nelnet. I called again on XX/XX/XXXX and my information was submitted to correct the problem and I was placed into forbearance and interest is now accruing while my application is stuck. 

Since then, my application has been stuck in limbo and it says I will owe over XXXX XXXXXXXX in XXXX, when according to the StudentAid.gov calculations and the rubric provided by the SAVE act, I should owe closer to XXXX XXXXXXXX.
Consumer complaint received 2023-12-15
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Affirm Holdings, Inc (NY)

I had a loan with affirm that I've paid off. In XXXX, I asked Affirm customer service for a disclosure of how my information has been used or shared. I asked to delete my information and to close my account afterward, in that order. I kept getting the response that they will forward my request to the proper department and that department will process my request and get back to me. I've called several times, the last time XX/XX/23. Again, I was told I would get a response within 3-5 days. I was given case numbers along the way. However, every time I called back, this new representative denied funding any information linked to the case number id been provided at an earlier interaction. The final case # from XXXX : XXXX. 

I just logged into my account to attempt to close my account that way. Again, their system leads me through a fictional process to close and then I get a message telling me I can not close my account. 

Affirm 's privacy policy outlined my right to request, delete my personal information but when I try to invoke this right, I am told I can not. 

I am asking the CFPB to help me regain the management of my personal information and my financial information that is stored on Affirm 's website
Consumer complaint received 2023-12-15
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 (NY)

1. XXXX XXXX my Account was opened with American Express bank. On XX/XX/XXXX the account was Charged off for the amount of {$1200.00}. 
2. XX/XX/XXXX my account was opened with XXXX XXXX XXXX. On XX/XX/XXXX the account was charged off for the Amount of {$23000.00}. 
This companies are in clear Violation of Language Fraud, Identity Fraud, and the XXXX XXXX XXXX XXXX. Not only did my bank violate the terms and conditions that they granted to me at the time of the account opening. The Credit Reporting agencies XXXX, XXXX, and XXXX have Also Violated my rights as a Consumer and broke the law by doing so. Now According to the Codes and the Federal Trade Commission i the consumer Must give Consent for Said banks and third party companies to use or give out my Private Information. I the consumer must give Consent for the Third party Companies such as XXXX XXXX XXXX, XXXX, XXXX, And XXXX to Report ANYTHING ON MY CREDIT. Per the Fair Credit Reporting Act as a Federally Protected Consumer I Am Now OPTING OUT of ANY & ALL authorization that I the Consumer may have Given you Written, unwritten, verbal or nonverbal per 15 usc 6802. 16CFR 313.13. Furthermore Every 30 days im supposed to receive the Option to Opt Out, which was never Expressed nor sent for me to Properly conduct my Affairs.
Consumer complaint received 2018-08-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (MO)

On XX/XX/18 I disputed an account via online with XXXX asking the company to delete as I have no knowledge of the account. XX/XX/18 the results came back updated. XX/XX/18 I sent certified mail a request to verify or delete the account. ( I have uploaded an example if the letter ). The company again only updated the account without verification ( s ). I sent the same request to all three bureaus one of which ( XXXX  ) deleted on XX/XX/18 meeting FCRA requirements.
Consumer complaint received 2023-04-21
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. (VA)

I submitted a letter to the 3 Credit Bureaus to fix these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-23
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: PNC Bank N.A. (GA)

I entered into a debt consolidation program during COVID to work out payment settlements with some of my creditors. Some of the creditors that qualified and agreed to the terms and settlements of the program continued to report negatively even after accepting payments.