davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (ID)

I made a pay off payment in XX/XX/XXXX on the balance of my student loans to MOHELA. But in XX/XX/XXXX I received a bill for a payment on a loan that was paid off. When I signed into my account, my balance was still there or in some way reinstated. I called Mohela. They can not find the ACH transfer that was used to pay off the account and says there is no record of one. But they can see I called and made a pay off request. I was not issued a 1098-E for XXXX but I was issued one for {$0.00} interest paid in XXXX. Which is odd if payment wasn't made and I had a balance. None of the payments I have made to my balance are showing in my online account portal.
Consumer complaint received 2024-02-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NJ)

XXXX of XXXX  I owed my sister, XXXX XXXX, {$130.00}. I went to send it to her through Venmo and I mistakenly sent it to her deceased son, XXXX XXXX, account. I immediately called Venmo but it went through already. I have been calling Venmo since this happened. They said I need to send a death certificate. I sent the certificate, then they said I needed to send one of these 3 things 1. Probate Court order appointing executor of the estate.

2. Estate Administrator Documentation 3. Letters of Administration XXXX  had no will and my sister was informed she didnt need to go to probate or name an executor. In other words these papers dont exist. I would like to know what else I can do to get my money back. Venmo has no answers for me. They keep telling me they need one of those 3 papers, which dont exist. Its extremely frustrating that this has been going on for almost a year. They told me to get back to them in a few years and maybe they will have a 4th option. This is unacceptable to me. Any help would be greatly appreciated
Consumer complaint received 2024-03-29
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Foursight Holding LLC (TX)

Hello. 

FOURSIGHT CAPITAL LLC has engaged in unlawful repossession in the state of Texas. Per Texas law, a valid lien must be on the vehicle or there must be court issued order ... FOURSIGHT has contacted a 3rd party company to unlawfully steal ( repossess ) my personal property. 

I was not given a court issued order nor is there a valid lien on the vehicle, not only because financial institutions CAN NOT own property, but also because I have a certified UCC-11 search ran on FOURSIGHT CAPITAL LLC & FOURSIGHT RECEIVABLES LLC it came back proving there was already a lien between FOURSIGHT RECEIVABLES LLC the depositor of the retail installment contract, FOUSIGHT CAPITAL AUTOMOBILE RECEIVABLES TRUST XXXX & XXXX. This constitutes an invalid lien being on the TITLE of the property, NOT the property itself.

I notified FOURSIGHT they were not the current servicer of the note, therefore had no rights to enforce. Also I notified FOURSIGHT more than XXXX times that their security interest given in assignment of the contract was REVOKED. FOURSIGHT ignored. 

When I spoke with a representative of FOURSIGHT, I was told that I had to email the XXXX in order to pursue any legal action & was not given a legal department address to contact. I also emailed FOURSIGHT requesting arbitration & FOURSIGHT also ignored this request as well. 

FOURSIGHT has committed identity theft by providing a XXXX party with my personal & private information to come to my private residence & take my private property. This not only places me at risk, but also my family. This is also in direction violation of title 15 section 6802. This has made me feel unsafe & resulted in my family moving to a new place of residence, which I also have proof of.
Consumer complaint received 2024-01-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Klarna AB (NC)

I Used Klarna for instalments payments for a puchase at XXXX XXXX for XXXX, I ended up returning items 3 days later for a full refund and Klarna keeps refusing to drop the charges and refund me the money I paid which was 2 payments of XXXX totatlling XXXX I have submitted receipts from XXXX showing item was return, I contacted Klarna like 20 times I have send emails and they dont respond. I called tjem several times and no help. I was than sentt to collections I sent them the emails with Klarna and receipt showing refund and they do not want to get involved and want me to still pay. 

They are claiming in the email that money was refunded to me for a XXXX purchase. I bought XXXX at XXXX. I already paid Klarna 2 payments of XXXX totalling XXXX and Klarna sent me to collection for which I paid XXXX totalling XXXX that i paid. so why they are saying that my refund was applied to XXXX. 

I am very frustraded and I feel as this is a scam, fraud they are playing games with meand refused to respond..
Consumer complaint received 2024-07-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (FL)

I signed up for the {$300.00} bonus I completed the direct deposit requirements on XX/XX/XXXX Website says within 30 days bonus will be issued. 
Citi misleading promotion and their executive office reps that do not care. 
I called today XXXX said thats fine to submit a CFPB complaint for my issue to be resolved. 
Citi needs employees that care about issues specislly at the executive office.
Consumer complaint received 2023-09-02
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: EQUIFAX, INC. (CA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXXXXXX Balance : {$440.00}.
Consumer complaint received 2024-03-29
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO. (NV)

XX/XX/2024 Sending letter by mail and emessage to Chase regarding the balance already paid off to XXXX  by XX/XX/2024 and credit card need to be canceled or closed. 
XX/XX/2024 Still receive bill with interest on XX/XX/2024 at {$9.00}. 
This credit card practice is so ripped off when challenged the customer to close their credit card and keep charging the interest.
Consumer complaint received 2024-03-29
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Axiom Acquisition Ventures, LLC (NC)

This company has harassed my entire family. They have contacted my ex-husband who had zero connection to me. They have left my first and last name and the reason for calling on family and friends voicemails. They have contacted my landlord who has zero relation to me. They have left personal information of mine on friends voicemails after being repeatedly asked to receive proof of debt then continued to lie and say they only did it once. I have proof of more than 37 calls dating back to XXXX  to friends and family and this has invaded my right to privacy.
Consumer complaint received 2024-03-30
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: Stellantis Financial Services US Corp. (MO)

I was looking to buy a XXXX XXXX I was trade in my XXXX XXXX XXXX XXXX with XXXX miles {$62000.00} plus {$7000.00} for the service contract so the sales person tells me that he has a car that is better than a XXXX XXXX XXXX I ask him what I was sales person say XXXXXXXX XXXX XXXX ok so before I can think about it he was getting my stuff out of my XXXX into the suppose to be a XXXX  XXXX but XXXX wasn't he was lying about it he sell me a XXXX XXXX XXXX so they got my XXXX XXXX XXXX XXXX cost me {$70000.00} and they was selling the XXXX for XXXX XXXX with my myi trade in the balance I remindnet was $ XXXX so I don't know what they did with the trade in money all whapping with the paperwork
Consumer complaint received 2024-03-29
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (TX)

As a long term customer of XXXX XXXX? Comenity Bank, I received notice that they was lowering my credit line. I believe that they are discriminating against and violating consumer protection laws based on the fact that I have never been late and actually have paid off my account multiple times. I was originally given a XXXX credit limit when I opened the account and over the last 3 years it has been at the highest of XXXX. As I stated, I have never been late and have actually paid off the account balance. A consumer should be retaliated against simply because they " don't have mortgage history '', simply put I paid my 20 year mortgage off in XXXX  after a flawless pay history with my mortgage company. My credit worthiness was rebuilt and I continue to monitor it. I have filed numerous complaints against XXXX for incorrect information on my credit file. 
XXXX XXXX
Consumer complaint received 2024-03-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (CO)

On XXXX XXXX I attempted to make a {$500.00} cash advance with a banker and the transaction was approved. However the bankers computer system crashed and I was unable to receive the funds from the bank at the time. I contacted the bank my card is associated with and the only thing they could advise was to file a dispute to attempt to recover the funds.On XX/XX/XXXX I requested a letter from the bank manager my funds were withdrawn from showing I didn't receive those funds and I was provided a letter and advised to dispute the transaction with my bank. On XX/XX/2024 the bank my card is linked to notified me that the bank I made the cash advance from received the funds and the amount was settled on my account. As of now the status is I have not received my cash advance of {$500.00} from either the dispute I filed with my bank and or from the bank I made the {$500.00} cash advance from based on a banking error made on the day I attempted the cash advance. The bank I attempted to make the {$500.00} cash advance from opened a case and provided a case number and I also attempted to check the status of the case and I was informed the case number was invalid and they could not find such case number in their system. I am at a loss of {$500.00} from the cash advance and the funds are currently with the bank who said their system crashed and they had no record of the transaction made even though it was withdrawn from my account and showed all details of the transaction being made at such location and time.
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (TX)

I have disputed multiple inaccuracies on my credit due to third party companies having my information; closed accounts in open status with active balances, incorrect balances and reporting ; incorrect spelling of my name; incorrect addresses ; inaccurate late payment reporting after negotiating terms with creditors.
Consumer complaint received 2024-01-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. (TX)

NELNET : Please credit my account {$650.00} for your mistake or backdate my two loans that are yet to be placed in XXXX. 

In XXXX, Nelnet confirmed my loans had been moved over to XXXX. I confirmed this change. In XXXX, I logged in to find two of my loans, for {$41000.00} had not been moved to XXXX  and my account was past due for {$460.00}. Nelnet advised me this was because of a technical issue, whereby two loans that were in forbearance were not included in my original XXXX application. Thus, the date of my " application '' for these two loans to move to XXXX  is XX/XX/XXXX. Nelnet advised me standard processing times are XXXX weeks for XXXX applications. 

With this XXXX delay I will accumulate {$650.00} in extra, unexpected interest cost. I can not pay this extra amount as I did not plan for this extra burden, nor think it is ethical, fair, or reasonable to absorb a cost for Nelnet 's mistake and failure to notify me : Loan XXXX  5.28 % {$20000.00} XXXX XXXX XXXX  delay = {$290.00} Loan XXXX 6.54 % {$20000.00} XXXX XXXX XXXX delay = {$350.00} Total mistake cost to me : {$650.00}
Consumer complaint received 2024-05-15
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: FC HoldCo LLC (TX)

Upon reviewing my credit report, I noticed several discrepancies from all three credit bureaus in correlation with my Flagship Credit Acceptance installment account. 

Flagship Credit reports to XXXX and XXXX that my account status is open with an opening date of XX/XX/XXXX, a last reported date of XX/XX/XXXX, and a balance of {$25000.00}. 

However, Flagship Credit reports to XXXX that my account status is Closed with a close date of XX/XX/XXXX, a last reported date of XX/XX/XXXX, and a balance of {$0.00}. 

I have been making consistent payments with Flagship Credit since the installment opened, with the most recent payment being XX/XX/XXXX. I find the information unsettling as Flagship Credit is obligated to report complete, accurate, and up-to-date information per the FCRA. 

I am unsure why Flagship Credit would report to XXXX alone that my account is no longer open. I did not authorize the closing of an account, nor did I receive any information regarding my account being closed. All account numbers from credit bureaus are the same, so the reported data is inconsistent. 

I attempted to pull my payment history receipts from my Flagship account, but there were no downloads of the documents on the website. The only information is the past payment date, payment status, and amount towards the bottom of my account, but nothing tangible. After over a year of making on-time payments, The payment history on my credit reports stops reporting on XX/XX/XXXX. However, I have been making monthly payments, so why is Flagship Credit not reporting correctly? 

The numerous discrepancies described above are not only incomplete, inaccurate, and not current but overall neglectful. I can dispute incomplete or inaccurate information using my Fair Credit Reporting Act rights. The lack of correct information reported to the credit bureaus affects my credit score, which is unfair to me as a consumer. 

Ive called their customer service, but every time I get an answer, the person I need to speak to is always unavailable, or there is some other frivolous excuse for why I cant get the assistance I need and that I should try calling again.
Consumer complaint received 2024-01-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (CA)

Im a US bank customer for more than 10 years. I mailed two checks to the county of XXXX on XX/XX/XXXX for my property taxes. I dropped off the mails in the mailbox in front of the post office. Both checks were stolen. One with the amount of {$9900.00}. I filed an investigation with US bank on XXXX  The other check with the amount of {$5700.00} filed on XXXX I am following up with the bank by phone and in person to a branch. Every time I receive different information regarding how soon I can receive my money back. Last conversation with XXXX XXXX the fraud supervisor was today, he said that it can take up to 4 months to complete the investigation. And bank is not liable to give me provisional credit. Please kindly assist me. Since I am paying interest on this amount, I have already had {$550.00} delinquency fee. Sincerely
Consumer complaint received 2024-02-02
Product: Credit card — Store credit 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: Bread Financial Holdings, Inc. (NY)

I sent a dispute letter to the XXXX XXXX XXXX XXXX Credit Card XXXX, about a purchase I made that was stolen, I included the police report and also sent the letter certified mail and it was delivered XX/XX/2023. 
Despite the XXXX period having elapsed, I have not received any response from the company. The purchase in question was initially authorized, but the subsequent theft has led to this dispute. 
I kindly request your intervention to facilitate a prompt and fair resolution to this matter.
Consumer complaint received 2024-05-15
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: U.S. BANCORP (CO)

I had a lease with Us bank. I was making constantly payments every month. Until in XXXX Us bank couldnt take my payment. I sat with a banker. The banker called the auto loan department and they had the wrong address for me so I never had a notification of turning in my car for inspection. The auto dep notified the banker to tell me to turn the car in to the dealer ship. The dealership never notified the bank that I turned the car in for an extension lease. Now the bank reported negative on my credit when I have been making payments XX/XX/XXXX all the way back XX/XX/XXXX. My business Banker notified the bank where the car was and gave them the address. The Dealership gave me another car to lease. The banker called the recovery department and notified him that the car was sold in action and I will no longer be liable for the XXXX. Because the bank recovered the car for inspection. The title was She realesed. Now I have a collection for XXXX when I never missed a payment. The car was sold for XXXX.
Consumer complaint received 2024-05-15
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NC)

Yesterday this company portfolio recovery called me twice which Ive proved with screen shots of voicemails from them. Today they have called 3 times. Which I also have voicemails to people, they know the law and should follow it before they find themselves on the receiving end of a harassment lawsuit.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ID Analytics, Inc. (NY)

Pursuant to the Fair Credit Reporting Act ( FCRA ), I revoke all Authorization, I may have given you knowingly or unknowingly, written, or unwritten, verbal, or non- verbal and therefore opt out of reporting the following information per 15 USC 6802. I also opt out pursuant to 15 USC 1681b, 17 CFR 248.124 ( b ) ( 5 ), THE PRIVACY ACT OF 1974 and 16CFR313.7f which clearly states f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time.

Under 16CFR313.7g1 - A consumer 's direction to opt out under this section is effective until the consumer revokes it in writing or, if the consumer agrees, electronically. 

XXXX ) ALL HARD & SOFT INQUIRIES -must be removed as they are NOT open accounts per 15 USC 6801, I also invoke the PRIVACY ACT OF 1974 & 15 USC 1681 ( b ) - Permissible purposes.

I also opt out of reporting all soft/ hard inquiries under 16CFR313.7f and further exercise my right to deletion. 

XXXX ) TRANSFERRED LOANS/SOLD DEBT/ CHARGE OFFS Per the IRS Any charge-off is a Certificate of Indebtedness and therefore considered income and income can not be reported. See Pg3, IRS pub- p4681 - https : //www.irs.gov/pub/irs-pdf/p4681.pdf. 

XXXX ) Pursuant to 15 USC 6801-It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non-public information. 
ALL TRANSACTION HISTORY AND ANY INQUIRIES MUST BE DELTED FROM THE REPORT BECAUSE IT IS ILLEGAL TO REPORT ANY TRANSACTION HISTORY/ NON-PUBLIC INFORMATION. THEREFORE, ALL ACCOUNT BALANCES MUST BE UPDATED TO READ PAID IN FULL, PAID AS AGREED/PAYMENT CURRENT AND ALL HARD/SOFT INQUIRIES MUST BE REMOVED. 
XXXX ) ALL OUTDATED AND INACCURATE INFORMATION AS DISPUTED IN REPORT WITH REF # XXXX. 

XXXX ) All duplicate names and misspelled names must be removed. All non-mailable addresses must be deleted. INDIVIDUL NAME SHOULD BE FULLY IDENTIFIED BY ONLY ONE NAME XXXX XXXX XXXX ( First, Middle, & Last ) AND ONE MAILABLE ADDRESS ONLY CAN BE ON FILE.
Consumer complaint received 2023-12-08
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. (NV)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (PA)

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. 
Account name : XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. My name is spelled XXXX XXXX XXXX associated with the last four of social security number XXXX ID Document attached.