davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-27
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: U.S. BANCORP (MN)

I have been trying to cancel an unused Elan Financial Services credit card for years. My cousin opened the card for a business we used to have with both our names on it and it has not been used in many years. I have tried to cancel it and they tell me my cousin needs to call since he opened the account. I spoke to my cousin as recently as yesterday and he said he is also getting nowhere trying to cancel the card. I got a letter at one point from the credit card company saying that because it had not been used for so long, it would be cancelled. But that didn't happen. They issue service charges every year to keep the card open and up to this point I have paid them, but it is like I am being held XXXX. This is an old, unused card that we want cancelled. We just want the card cancelled and are getting nowhere with the company.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ID Analytics, Inc. (IN)

I am writing to formally request the freezing of my account 's. Due to inaccurate information in my credit report, I believe it is in my best interest to temporarily freeze the account until the matter is resolved. 

I kindly request the Consumer Financial Protection Bureau 's assistance in facilitating this freeze and ensuring the necessary steps are taken to protect my financial security. 

Your prompt attention to this matter is greatly appreciated. 

Thank you for your assistance.
Consumer complaint received 2024-06-27
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Alco Capital Group, LLC (WI)

This debt is over XXXX XXXX XXXX, and I am on XXXX. I sent them the paperwork to let them know I am exempt. They still garnished my check ; I work part time. There documents are false. There is no judgement against me. Please help me.
Consumer complaint received 2024-06-16
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (GA)

Debt validation was sent and never proven as they have violated consumer law privacy act of XXXX also buying my information from original alleged company who sold them the alleged debt is in violation of sharing my information without my consent or authorization. This impedes a penalty of {$1000.00} per violation. If this isnt remedied lawsuit will be filed as my right under FDCPA
Consumer complaint received 2024-06-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (TX)

I am part of the automatic settlement case of the XXXX XXXX XXXX  lawsuit against the DOE. They agreed to pay back all money I paid on the student loans associated with XXXX XXXX XXXX. So far I have received a small portion of the refund I'm supposed to receive. The repayment was supposed to be completed by XXXX. Each time I call Nelnet, I get a different response. I get responses like, " this is all you are getting '', " it takes time to process '', " I don't have that information and will need to request that information from a different department ''. It's like a new case each time. The CSR says they will look into it and call me back. They do not. The one time they did call back it came in as an unknown number I didn't answer and when I called back, I got the same regular run around. I have asked for the notes on my account showing what has been done on my case and what they are doing to rectify my issue. They said they don't do that. I have a record from them of the amounts I paid on the loans. They know how much I've paid and they have had plenty of time to send this information to the DOE for repayment processing. I do not think they know what they are doing which is why I want all the notes so I can track what has been done or not done. They continue to give me the runaround saying that DOE tells them what money I'm owed which is the opposite of what the DOE indicates. I want the repayment I am owned.
Consumer complaint received 2023-08-24
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: EQUIFAX, INC. (VA)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items 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
Consumer complaint received 2023-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

There are fraudulent addresses on my consumer report, along with fraudulent transactions and accounts being furnished on my consumer report. These addresses were not properly verified or validated. I noticed the problem in XX/XX/2023. I called consumer reporting agency to notify them of the inaccuracies.
Consumer complaint received 2024-01-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma (CT)

XX/XX/year> I received an e-mail saying my account was locked. I reached out to Credit Karma chat who said they have sent an e-mail and that's all they can do - I told them I need my funds and this is not an option - Banks have an obligation to give access to the funds especially considering I verified my identity over the phone. I called into Credit Karma and received a similar non answer. They will not give me any information on a timeline or when someone is looking at my case. I reviewed this issue online and there's hundreds of people who have lost access to their accounts for weeks for issues like this. I spoke to a supervisor- XXXX who refused to give me an e-mail indicating that we had spoken or any additional information. He sent me a pre-templated e-mail saying they sent it over to a specialized team and a case XXXX XXXX Any other bank has a fraud department phone number that can resolve this issues instantly. I have immediate need to access the funds in this account and I also have taxes depositing into the account that if this isn't resolved I won't have any access to. This is a poor business practice and I feel like my rights to my funds are being violated by this institution. I will also be submitting this complaint to my attorney general. To hold someone's money without an immediate resolution and not even a timeline of when it will be looked at is insane.
Consumer complaint received 2024-01-26
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: Remitly, Inc. (FL)

1 ) I created a Remitly account using my personal information. 
2 ) Added a my brother as a recipient. 
3 ) Added my own debit card as a payment method. 

After all of the above, I proceeded to complete the transaction and got a confirmation email they are reviewing the transfer. 

After few minutes later my transfer got cancelled, and my Remitly account got locked without any attempt to contact me or requesting information/documentation. I then proceeded to call Remitly to find out more information as to why my transfer was cancelled but they could not provide me with an answer, and was advised by a the phone representative to use their online chat to submit a request to unlock the account so I did. 

But after they reviewed the account they sent me an email saying : " we will not be able to reactivate your profile because it violates our User Agreement. This decision is final '' Like I mentioned previously, I have reviewed my account and sender details as well as payment method used, and everything was in accordance to their term and conditions. 

I had created an account using my personal information to send money to my brother in XXXX, and using my own payment method under my name, therefore the reason I am completely lost as to why I wasn't able to complete the transfer without an explanation which seems completely unfair.
Consumer complaint received 2024-05-23
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: WELLS FARGO & COMPANY (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2024-01-25
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP (ME)

My account went into collection with XXXX XXXX. A USB representative informed me that XXXX XXXX was working directly for USB. I settled the account with XXXX XXXX, and provided payment in full on XX/XX/21. Despite my repeated letters, e-mails, phone calls, documentation, proof, and disputes, XXXX refuses to correct the information it is providing to the credit bureau agencies.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Westlake Services, LLC (MO)

Per the fcra as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given u written unwritten verbal and non verbal per 15 USC 6802.

Upload to cfpb have u tried to remove : yes For inquiries use 15 USC 1681 permissible purposes : 16 cfr 313 privacy of consumer information.
Consumer complaint received 2018-04-19
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Santander Consumer USA Holdings Inc. (CA)

I purchased a vehicle from XXXX and was financed through Santander Consumer USA Bank. The vehicle Was taken back by Santander in XX/XX/2016. Santander sold the vehicle and reported a balance of {$8000.00} to my credit report. Every month since XX/XX/2016 Santander has reported a different balanced owed as well as different loan terms then I actually initially signed for. Santander has also reported different amounts to each of the credit bureaus. They have also had over {$8000.00} worth of interest on a vehicle that they have already sold and was not stated in the intitial agreement that this would happen if a vehicle is repossed and sold at an auction. I made over {$5000.00} worth of payments to Santander when I had the vehicle and I have no idea where the money went. They also gave me a 26 % interest on the vehicle without verifying any check stubs or proof of employment.
Consumer complaint received 2024-01-26
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: T.S. Holdings (IL)

I am filing a complaint against XXXX for not resolving a disputed collection account on my credit report. This account is linked to my former residence [ XXXX XXXX  ]. This debt was incorrectly reported to collections. I have provided XXXX with evidence of paid dues and requested proof of any outstanding debt from the collection agency, IQ data international, but have not received any substantial response or proof. This incorrect reporting has adversely affected my credit score and caused significant distress. I request the CFPB 's assistance in removing this erroneous collection account from my credit report and obtaining a corrected report from XXXX, along with written confirmation of the resolution.
Consumer complaint received 2024-01-25
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA (TX)

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Marcus by Goldman Sachs regarding an alarming and unresolved issue I have encountered with my high yield savings account. 

I had three savings accounts with Marcus, and I initiated a transfer of {$110.00} from an external bank to one of these accounts. Approximately one week later, I received notification that Marcus had forcibly closed my account without providing any explanation. Upon contacting the bank for clarification, I was informed that they are not obligated to disclose the reason for the account closure. 

My primary concern, however, is the unreturned funds. I inquired about the {$110.00} I had transferred to the closed account, and Marcus assured me that the funds would be returned within 7-10 business days. Unfortunately, it has been over a month, and I have yet to receive my money despite multiple attempts to address the issue through numerous phone calls. 

As a XXXX  XXXX  without a job, these funds are crucial for my financial stability. I am facing significant challenges due to this unresolved situation, and the repeated delays in returning my money are causing undue stress. 

Initially, I was informed that my account was forcibly closed without a specific reason given. However, during a recent call on XX/XX/XXXX, I was told that the account is not closed but is, in fact, locked. This revelation has added to my confusion and has left me without access to my funds for an extended period. 

I kindly request the Consumer Financial Protection Bureau 's intervention to investigate this matter promptly and ensure a resolution. Your assistance in addressing this issue is greatly appreciated, as I urgently need access to my funds for my education and living expenses. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX
Consumer complaint received 2024-01-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (WA)

MOHELA has INCORRECT information on my student loans. They have more than 8 payments in my " ineligible '' payment history listed as deferment/forbearance which is inaccurate. I have printed documents to support my claim of XXXX back in XXXX. Mohela 's FALSE/incorrect information has resulted in DELAY of my student loan forgiveness and i should not have been paying {$2500.00} since the repayment started. PLEASE HELP! Please help!
Consumer complaint received 2024-05-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (CT)

XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  : On XX/XX/XXXX, I submitted a complaint identified with the number XXXX because, since XX/XX/XXXX, I have been unable to access my account, use my debit card, or access my savings. 

The previous complaint requested the unblocking of my account because the fraud team was unable to verify my identity with the provided information, and I received disrespectful treatment on several calls. 

In response to my last complaint, the bank instructed me to provide my employer 's phone number for verification. Following these instructions, on XX/XX/XXXX, I called and provided the number for my employers office in XXXX, CA. However, I am still receiving the same response. I explained to the agent that this phone number was requested by the bank, but it was deemed insufficient, and I still can not access my savings. 

Additionally, I have not received the letter with the code. According to the information provided by the agents during my calls, the bank supposedly sent three letters : one on XX/XX/XXXX, another on XX/XX/XXXX, and the last one on XX/XX/XXXX. I have waited longer than the specified time, but I have yet to receive any of these letters. 

As I explained in complaint XXXX, I have moved to XXXX, making it difficult to travel to XXXX XXXX XXXXXXXX to visit a branch. According to the agents, without the letter, I can not take any action regarding my own money, even if I visit the branch in person. 

It has been over 18 days, and the bank has not provided a real solution. I have also requested my account statement for the last two months, and I did not find any suspicious transactions. Therefore, the justification of protecting my account from potential fraud does not apply in this case. 

Please provide me with an email address where I can send evidence of my new address in XXXX, my phone number, and my job certificate.
Consumer complaint received 2024-05-16
Product: Prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc. (MA)

I have purchased a total of XXXX XXXX XXXX cards. Each one has been use fraudulently. Each was a gift to my father. The 1st time, I thought that he had misused it or forgotten that it had been redeemed. That was in XXXX XXXX. Then in XX/XX/XXXX, I purchase 2 {$100.00} gift cards in XXXX XXXX at either XXXX XXXX XXXX or XXXX. I looked up each card and both had been used at a XXXX. One on XX/XX/XXXX and one on XX/XX/XXXX. This was not by my father. When he went to redeem, he was told that neither had any cash value left on them. I know that a case has been filed in NY stating that : XXXX XXXX XXXX XXXX XXXX XXXX et al. 
FILED : XX/XX/XXXX XXXX Read Complaint A class action lawsuit alleges Visa has failed to warn the public that its Vanilla gift cards are regularly redeemed fraudulently by third parties. 

I have attempted to contact XXXX XXXX cards directly for each card and have not heard back. My total loss is {$300.00}. 
Card numbers : XXXX, XXXX, XXXX I am only allowed to enter one card number on this complaint Any advice is appreciated!
Consumer complaint received 2024-01-26
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Shellpoint Partners, LLC (UNITED STATES MINOR OUTLYING ISLANDS)

XXXX of XXXX I refinanced my home from Newrez to XXXX morgage company. I had an over payment in my escrow account in the amount of {$2100.00}, that should have been returned promptly after Refinancing was completed. I have contacted Newrez customer on XX/XX/XXXX, To resolve the problem. On several occasions I was told by Newrez staff members that the check was mailed, only To find out they had been returned. So I ask to speak with a supervisor on XX/XX/XXXX, I spoke with XXXX XXXX XXXX and she had informed me that the check had been ACH ( Direct deposit to my checking ) as of this date XX/XX/XXXX. I then ask XXXX XXXX for a transaction number, she stated she would call me later on today with the information I requested. ( transaction number ) It has been three day and no response from Newrez staff nor my over payment.
Consumer complaint received 2024-05-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc (MO)

Friday XX/XX/XXXX I won money sports betting and XXXX $ was placed into my chime account I noticed chime had taken XXXX $ of it and named it as settlement fee I was left with XXXX $ I only noticed because of the betting I had slowed down on using chime due to high volume of people with that bank have found that they were being scammed and money was being stolen from them I didnt believe cause it had never happened to me but once this happened I looked back at all my transactions and sadly this wasnt the first time they had sneakily stolen XXXX $ from my paychecks since I opened my account and I never noticed. I proceeded to call to get it figured out and they told me that I owe them money from using XXXX XXXX  keep in mind my XXXX XXXX  started out at only XXXX $ as a limit so there is no way you can use your card past the XXXX $ limit my limit has never risen from XXXX $ since I opened my account in 2023 I was very upset they said they could no longer help me it just is what it is so Im taking further action maybe even sue this company because I have heard multiple people saying money had been taken from them and I dont mind a monthly fee for a bank account but XXXX $ fee reoccurring is outrageous and unheard of I will take any help I can get at this moment going about getting my money back soon as I do I will be deleting my account anyone who values their hard earned money should as well if I would of known about this prior to opening my account I would of never started with them they should be sued and I will do everything in my power to make sure they get shut down and no one else suffers from this scam.
Consumer complaint received 2024-01-26
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ASTA FUNDING INC. (MI)

I had my bank account garnished 3 times adding up to over {$900.00}. Prior to receiving any information in regard to this debt. I called XXXX XXXX after I received my first notice of the debt. 
In violation of the Fair Debt Collection Act -I was not given details on the debt Enclosure documents - no address or Name of original creditor was not given -no instructions on to pay the debt -no record on when the debt was incurred -no proof account was sold Attorney/ staff informed me they didnt have to send me any paperwork because they sent it to the bank Im violation of Consumer Credit Protection Act Title lll My account was garnished to XXXX $ when this act states it should not take all my money to ensure basic living expenses are available bank statement In addition Michigan statute of limitations on collecting debts is 6 years I was told this debt is XXXX years old and it hasnt been kept active Over 10 years the last date is from XX/XX/2006 for action on this debt. My address is incorrect my name is spelled incorrectly. When speaking with the collector I told them this was not my bill. The last and first date I was XXXX XX/XX/XXXX, XXXXThese practices are in violation of the FDCPA 15 USC 1692 et seq unfair and abusive practices.