davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-07
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: LDF Holdings, LLC (FL)

I have had a loan on XX/XX/2023 I went on a payment plan of 30 weekly payments. I made the final payment on XX/XX/2023 of {$30.00}. I was told that I can re-loan after this is paid off. I decided to reach out to customer service to see what the waiting period is to reapply. I was told that I can reapply over the phone but I wont get the funds until 3 to 5 business days. I went to apply over the phone I was told that I was denied. I went to apply online. It said that I was approved for {$1200.00} and that I will get the funds by XX/XX/XXXX and the application online shows pending when I went to reach out to customer customer service I was told that I would get a call back. I never got a call back I try to reach out. I was told that I was denied but online it is saying that I have a pending application, I spoke with someone named XXXX and he told me that my application was denied and the only way since Im returning customer is to withdraw the application and wait 30 days or do an express application I just feel like as a returning customer customer that is unfair because I have made payments on time and then for me to just get denied and then being given the runaround is not fair at all I feel like this company takes advantage of people that are struggling and going through hard times. I received a call at XXXX XXXX from Makwa finance and it was a voicemail was left. When I heard the voicemail, all I heard was background noise when I tried calling back at night, I get a call from Lendumo that is a completely different company I have made payments, and then I just turned around and get denied and just have my time wasted that is not fair at all.
Consumer complaint received 2024-05-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO. (CA)

Chase bank sent me a text saying my account was about to be closed due to being a liability to it due to making a claim of an insurance XXXX company that charged me for insurance I didnt need. The representative my account was to be closed automatically by the end of XXXX. However, that was not the case and my account is still open but debit cards has been disabled as well as bank account.
Consumer complaint received 2024-05-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: SOFI TECHNOLOGIES, INC. (CA)

We have verified that you are not entitled to any of the funds in the account and they will be returned to where they originated ; after which the account will be closed. At this time, we do not have an estimated timeframe for completion to provide. 

I still can not access my money. It has been almost XXXX months. Do you think this is reasonable?
Consumer complaint received 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

This is my multiple 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 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 2024-05-13
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (MI)

I have tried to contact VanillaGift.com. 
I am unable to get in touch with a human to talk about my issue. 
Just an automated option list that does not offer any problem solving Catagory. 

My gift card started.out with {$500.00} on it. 
I was able to use it without any issues until I had a balance of {$85.00} left on it. Then it was denied. This card started being denied in XX/XX/year>2024 and still gets denied today. 
I call and get my balance, The recording says I have {$85.00} balance and my card is active I would be grateful for any help you could give me. 

Thank you
Consumer complaint received 2024-05-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc (NY)

On XX/XX/year> a payment was made mistakenly to the IRS federal taxes instead of XXXX taxes. After calling the IRS suggested to get to the company Chime and so I called the back of the credit cards number. While mirroring my phone the Chime employee told me to transfer the funds to XXXX email accounts to get my payment fo the IRS refunded in the amount of {$53000.00}. After that I transfered in total the amount of $ XXXX and {$1400.00} to the account provided by the Chime employee to get full refund. It was a fraud. Made a police report and felony charges were brought up and also Chime did not wnt to refund me even after I presented all the evidence of the police to Chime. Also filed a complaint with XXXX against XXXXXX/XX/XXXX. The FDIC was who indicated me to you and the XXXX to file complaints. 
Please help me get my money refunded. 
Thank you.
Consumer complaint received 2024-05-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Kramer & Frank, P.C. (MO)

Kramer and Frank PC used deceptive practices that violated FDCPA in collection of debt. They continue the collection on expired debt, which is a violation by falsely stating they send notice of the XXXX to XXXX through XXXX Mail, which is dated XXXX ( XXXX ) months after serving a garnishment to bank when the notice should be received prior to. This debt was purchased from XXXX XXXX Bank back in XXXX. I am an injured worker with low-income wages, receiving state assistance for food and healthcare. I have only been able to work XXXX hours per day, which is XXXX to XXXX hours a week since XXXX. I have told this to Kramer and Frank a XXXX times ; however, they continue to pursue collection. I want them to stop collection because I am not able to pay.
Consumer complaint received 2023-12-28
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (IL)

Discover card again has negatively impacted my credit and credit report. The card was just opened the beginning of this month and when I spoke to customer service I was informed the balance would not be reported or reflected until the 10th of each month with my new due date of the 5th of each month. Now they have reported my card early and caused me to have a negative impact on my credit score partially to now showing over credit utilization. The fact that they purposely lied to me and reported a higher credit usage before Ive had a chance to pay the balance down is absurd and unethical. I will be escalating this matter further with investigation agencies and looking into legal representation for the continuing credit harassment and discrimination I am undergoing from the treatment and misinformation provided by discover card. This is the only card Ive had in my life that has caused such a nasty and negative impact on my credit in such a short time frame. What a lying XXXX deceptive company.
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: FIRST PORTFOLIO SERVICING INC (OH)

company 's reporting charge offs. charge offs are considered certificates of indebtedness and certificate of indebteness are considered income. Any financial institution that forgives or writes off {$600.00} or more of a debt 's principal ( the amount not attributable to interest or fees ) must send you and the IRS a Form 1099-C at the end of the tax year.
Consumer complaint received 2024-05-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital One, accused me of fraud. I opened a Capital One credit card, and didnt have the card long. Next thing I know they accused me of opening another account and owing debit. They tried to say the address of the Capital One that was not my debt was sent to the same address as the one I applied for which was FALSE! I disputed and spoke with them several times and every time the associates would call me a liar and say I indeed opened the card that was owed the debt & was not trying to let me explain. I tried disputing the XXXX and nothing. Capital One said I was not allowed to open more than XXXX dispute. However, I let them be aware that my social security was stolen a few months before and how I temporarily stayed at an address where my social was sent, yet the person at the address was contacted and they claimed they sent my social back to social security and Ive tried talking and calling and they are not willing to help
Consumer complaint received 2023-11-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-13
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: HEARTLAND FINANCIAL USA, INC. (CA)

I was contacted on my phone by someone claiming to be from XXXX investigations. They said I had been hacked and that at least XXXX locations had my bank account information and SSN. The person I spoke with identified herself as XXXX XXXX, federal badge no. XXXX. She gave me a case id. of XXXX. She transferred me to someone who identified himself as XXXX XXXX, employee no. XXXX, Asst. Dir. Investigative Dept., US Marshall 's Office, Treasury Dept. He gave his phone as XXXX. He said he was working on behalf of the FDIC. He wanted me to go to my bank and withdraw all my funds and give them to someone who would come to my house to pick them up. When I told him that this was not going to happen, he said I was speaking improperly to a federal officer. He also said if I did not deal with him properly, I would have to appear in federal court in Washington , D.C. I am a XXXX XXXX and appeared in court in D.C. many times, so I suspected this was XXXX. I repeated that I was not going to withdraw my money and give it to anyone. He then hung up. I went to my bank and told them all of the above and assured my accounts were locked down, not available via internet or ATM, just me personally coming to a teller at the bank. I then wrote my bank stating all of the above. Tomorrow when my bank can handle it, I will have them change all my account numbers.

CFPB : Please stop all new accounts being opened in my name or using my SSN.
Consumer complaint received 2024-05-13
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: FISERV INC. (CA)

Filed for unemployment and after a weird interview where the guy put me on hold to talk to his bookie ( not kidding, literally heard him say " I got your money, man, don't worry '' ), I was approved on XX/XX/XXXX. 

I waited weeks, assuming the card was coming in slowly, but I never received anything. I found out that I can call Money Network and check in on my card so I did that on XXXX. It said that it hadn't been shipped yet. 

The next day, I do the same thing and actually speak to a person on XX/XX/XXXX. The woman I spoke to told me it actually had been shipped so I should not cancel because it was on the way and it would take too long to get the new one ( suspicious person # 2 ). I listened and waited through the weekend. 

Called today ( XX/XX/XXXX ) to check on the card, spoke to a dude who confirmed that it had been activated and {$1000.00} was spent on it on XX/XX/XXXX at a men 's clothing store a few neighborhoods over. I did not activate it or make this purchase. He walks me through reporting the fraud and whatnot but, honestly, doesn't sound very surprised so this is clearly very common. 

I'm a little freaked out, not just about getting the money back but about how much information this person has on me. I'm not sure if it was the mailman, a money network employee, or an EDD employee. Not only am I unemployed but now I'm scared of identity theft. 

I reported it to both Money Network and the EDD. I'm supposed to get the new card within 1 to 3 business days via XXXX and I'll see how much information is needed to activate it but in the meantime, I'm anxious. The problem also seems widespread because a lot comes up when you search for " stolen unemployment Money Network. ''
Consumer complaint received 2023-11-01
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. (LA)

There are multiple instances of noncompliance with mandated reporting criteria, thus the information in my report isn't accurate and comprehensive! Having said that, I refute your claims and challenge you to show me that you have the authority to publish this inaccurate, misleading information to my credit report.

15 U.S.C. Section 1681e states that " a consumer reporting agency shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates whenever it prepares a consumer report. '' According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 

XXXX XXXX XXXX XXXX Late Payment {$0.00} XXXX XXXX XXXX Late Payment {$0.00} XXXX  XXXX Late Payment {$0.00} ( Original Creditor : XXXX  ) XXXX Collection {$230.00} XXXX ( Original Creditor : XXXX XXXX  ) XXXX Collection {$230.00} XXXX XXXX XXXX XXXX Collection {$18000.00} XXXX XXXX XXXX XXXX Collection {$26000.00} XXXX XXXX XXXX {$5000.00} XXXX XXXX Charge-off {$510.00} XXXX  XXXX Charge-off {$12000.00} XXXX  XXXX Charge-off {$790.00} XXXX XXXX  XXXX Charge-off {$6400.00} XXXX XXXXXXXX Charge-off {$510.00}
Consumer complaint received 2024-05-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (CA)

in XX/XX/2023 my daughter and I opened a account at Citibank account # XXXX the deposit was a XXXX disbursement check of {$10000.00} from XXXX XXXX from my XXXX account. 

Citibank closed the account stating possible fraud. I made a CFPB complaint # XXXXbecaue I never got my money back and that complaint was closed because the bank said the check was returned ( not deposited/cashed ) HOWEVER XXXX XXXX my XXXX provider shows the check cashed and provided me with a copy of the cashed check. I need my money returned to me and I need them to include my email on all correspondence as it is my check and my account XXXX XXXX
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FIFTH THIRD FINANCIAL CORPORATION (TX)

Dear Fifth Third Bank, I hope this message finds you well. 

I'm reaching out under U.S. Code 1666 ( b ) to bring your attention to an on-going issue with my account. Its come to my attention that there seems to be persistent errors in my billing statements, particularly revolving around the incorrect reflection of late payments despite having cleared them. 

The aforementioned law, 15 U.S. Code 1666 ( b ), highlights two categories of billing errors : The failure of the creditor to correctly reflect on a statement a payment made by the obligor or a credit issued to the obligor, and An error of a computational or similar nature of an accounting kind of the creditor on a statement. 
As a financial institution, it's imperative you align with the Fair Credit Billing Actan act tailored to safeguard consumers from unfair billing practices. This law and its definitions, as cited by XXXX XXXX are uncompromising. A payment made or credit given to an obligated customer must be accurately reflected in the billing statement. Any deviation is considered non-compliant and therefore illegal. 

In my case, the persistent issue of my late payments not being updated as fully current, despite successful settlements, is an error that falls within this definition. 

I trust that Fifth Third Bank places great importance on adhering to these legal responsibilities and values the elucidated consumers ' rights. As such, I kindly request your immediate attention and correction of the aforementioned errors linked to my account. 

Thank you in advance for your prompt assistance and cooperation in this matter. Please do not hesitate to reach out if you need any additional information from my side.
Consumer complaint received 2024-05-13
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (TX)

XX/XX/XXXX received mailer for XXXX Ahead Savings account via email to receive XXXX bonus miles if XXXX was deposited. 
XX/XX/XXXX signed up and received confirmation that I was enrolled and if deposited funds that I would receive miles within 90 days. 
XX/XX/XXXX chatted and was told that I successfully qualified for offer as of XX/XX/XXXX and to wait until end of month for miles to be credited. 
XX/XX/XXXX chatted and was told they would open an investigation into the miles XX/XX/XXXX received a denial of miles to be credited as I wasn't part of the promo XX/XX/XXXX called and they stated I did qualify and would submit another review as the original one did not have all the information added. 
XX/XX/XXXX received a denial of miles to be credited as I wasn't part of the promo XX/XX/XXXX called and spoke with a supervisor who read off the letter and stated that even if I received an email of the promo and received confirmation email from the company that I did not qualify because I must not have clicked the right link to set it up. 

Their denial letter states to send them information of the promo code but doesn't tell you how to do that - there are no directions to provide. I had to get on X and chat with a representative to get the email address. I set up a conference with a banker for XX/XX/XXXX at XXXX am and received confirmation of the appointment but they never called.
Consumer complaint received 2023-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX has no respect for the laws. I have already informed them about their violation of the Gramm Leech Bliley Act since they can not provide me with permission they have from me to share my non-public personal information with non-affiliated third parties. XXXX XXXX XXXX must provide me with documentation that proves they work in house for XXXX XXXX and that they are not just a debt collector or debt buyer that bought the debt with no authority to my personal information or agreement with.