davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-09
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc. (IA)

The original loan was opened through XXXX XXXX XXXX  on XX/XX/XXXXXXXX  in the amount of {$5900.00}. On my credit, it shows closed on XX/XX/XXXXXXXX  due to XXXX  XXXX bankruptcy. When applying for my mortgage in XXXX of XXXX, a new account XXXX XXXX showed up on my report with the same initial balance as the XXXX XXXX student loan. There was no written notice, notification, or communication that this account was sold or transferred. Looking at my credit report this account shows closed and 100 % paid off due to the bankruptcy. I have been in contact with XXXX requesting this information and requesting payment status. This information has still not been shared and I am needing this taken care of as soon as possible.
Consumer complaint received 2022-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I called TransUnion to update my address since I recently moved. I confirmed the proper spelling of my address, however, when it was updated on my credit report, they misspelled the address. 

I called back to update the misspelling, however, they told me I could no longer update it by phone. I sent them a letter and there has been no update on my credit report or a reply that the letter was received and being addressed.
Consumer complaint received 2023-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

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.

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.
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (PA)

I recently reviewed my credit report and noticed several inquiries that I did not authorize. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2024-01-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY (MN)

Wells Fargo Bank added XXXXXXXX XXXX  to my new truck which I had the same full coverage as the day I bought it. The XXXX was put in the loan at a high interest rate which raised my truck payment alot and I could not afford the payment after. 
I called wells Fargo and talked to them several times in the XXXX XXXX XXXX the scammers working there assured me I need this to keep my truck. I struggled with the payment and had made 7 late payments and in MN is the bank takes those payments then before a repo there required to send a XXXX letter. The Bank violated mn law and had the truck stolen and then never sent a letter as to where the auction was. 
Months later they finally sent a letter saying they sold the truck for way less than it was worth. Come to find out they ran another scam they sold my loan to another bank and the Truck was left in my name for years waiting on Wells to settle with me. I was forced to also file bankruptcy and that was alot of money and destroyed my credit. 
Wells Fargo Used a bad arbitration place and all I ended up with was pennys on the dollar. They didnt even fix my credit report nothing. They XXXX and should be shut down They say there going to make it right and they XXXX XXXX again.
Consumer complaint received 2023-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

This inquiries were not authorized by me. Never having given my permission for them to inquire about my credit status, they were unauthorized by me. 

XXXX XX/XX/2022 XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XX/XX/2022
Consumer complaint received 2023-04-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (MI)

On XX/XX/XXXX, I received the first of several emails from a company sending me an unsolicited email stating that I have an account with them. I know that life is very busy, but I can't remember ever hearing of this company or furthermore given them any of my personal information or consent to contact me. I do not recall owing this company a dime and its highly probably that I have never contracted with this company. In order to resolve this confusion, I have requested VERIFICATION once again VERIFICATION of this alleged debt by all of the following items : 1 ) The original contract with wet ink signature 2 ) purchase order with terms and conditions 3 ) Name, address, phone number of the original creditor. 
4 ) Aggregated value, forward floor agreement, itemized billing associated with alleged account with billing history.

5 ) Proof of ownership 6 ) Proof that this company is even insured and bonded to do business in Michigan. 

If the company can not satisfy these perimeters within the allotted 30 days, given by law, I can only expect for them to follow the federal and state laws that state that they promptly cease all collection activity. Refusal to do so will result in seeking of monetary relief for any damages incurred to myself or my family. Thank you for your swift action to help rectify this mistake.
Consumer complaint received 2024-01-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (GA)

I hope this message finds you well. I am writing to appeal the permanent limitation placed on my PayPal account, which is associated with the email address XXXX. I firmly believe that this limitation is the result of a misunderstanding, as I am confident that I have not violated any of PayPal 's policies or engaged in any unauthorized activities. 

As a dedicated PayPal user for an extended period, I have consistently adhered to PayPal 's terms and conditions. Maintaining a positive and trustworthy relationship with PayPal is paramount to me, and I am fully committed to resolving any issues or concerns that may have contributed to this unfortunate situation. 

I kindly request that PayPal conducts a comprehensive reevaluation of my case, carefully examining the circumstances surrounding the permanent limitation of my account. I am confident that this review will reveal an error or misunderstanding. I am ready to provide any necessary documentation or information to support my appeal. Reinstating my PayPal account would not only alleviate my current financial inconvenience but also enable me to continue using PayPal for secure and efficient financial transactions, just as I have done in the past. 

I deeply appreciate your prompt attention to this matter and kindly ask that you initiate the review process expeditiously. If there are specific documents or details required from my end to facilitate this process, please do not hesitate to inform me. 

Thank you for considering my appeal. I look forward to a swift resolution of this issue and the opportunity to resume using PayPal 's services.
Consumer complaint received 2024-01-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE (OH)

Made cash deposit of {$900.00} on XXXX 2023 @ Huntington branch location XXXX XXXX XXXX XXXX XXXX OH. Huntington still has not credited my account with my funds. I have sent Huntington emails with attachments of the atm receipt dipicting that the transaction did occur.
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CBC Companies, Inc. (FL)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.
Consumer complaint received 2024-01-09
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (IN)

In accordance with the Fair Reporting Credit Reporting Act, FCRA, this creditor has violated my rights under XXXX XXXX Section XXXX states I have the right to privacy. Section XXXX, it also states a consumer reporting agency can not furnish an account without written instructions under XXXX XXXX, a creditor can not treat a payment on a credit card account under an open end consumer credit account as late for any purpose. 

I want any and all derogatory remarks on my consumer credit report removed immediately.
Consumer complaint received 2024-01-09
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XX/XX/XXXX XXXX XXXX XXXX XXXX from a XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXXn. After her death, I learned that she had named me the executor of her estate. I have spent the last 14 months working with her attorneys office to wind down her affairs. Last month I learned that she had an account with Capital One Bank. 

In reviewing her bank statement, I observe that on XX/XX/XXXX someone made two withdrawals from her account. On XX/XX/XXXX someone made a third withdrawal and closed her account. I have made more than XXXX inquiry to Capital One to find out who conducted those transactions, but the bank has been slow to respond on what should be straight forward questions : who was authorized to conducted those transactions and where were the funds transferred to? 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX Based on her other financial papers, I do not believe anyone else was a signer on this account so I need to identify who moved the funds. The attorneys office has reminded me that the estate is responsible for taxes based on the decedents financial profile at the time of her deathincluding her account at Capital One.
Consumer complaint received 2024-01-09
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: DISCOVER BANK (MS)

This process took place in XXXX of XXXX when I paid off such a credit card and requested to have this card closed upon my request. This company has tried some unethical events and stunts in claiming that I am liable and responsible for something that I did not consent to or authorize. I have requested many times for this company to produce such Loan Applications which they have failed to produce. I have requested all rules, regulations, policies, and procedures where I have to consent for this company to get my tax returns. This company called Discover has failed to produce and provide such information. This company has taken my rewards from such program, I was enrolled in which is a breach of any contract such company may wish or want to use or claim. I have all the records to support my act or action for immediate court action into the policies and conduct performed throughout these months. 

The company called Discover Card Services has made many unethical excuses or claims claiming to address issues or problems or other illegal events and tactics when I have disputed such charges as unauthorized and to cease any further business relations with such company due to these unethical events. 

Now since Discover Card Services knows so much now produces all the official and legal records from the attached records submitted in this complaint before the Consumer Financial Protection Bureau and its audience. 

I want ALL OFFICIAL AND LEGAL RECORDS and not just some statement made up to cover and conceal your acts or actions. 

Attached you will find records officially signed off on by people behind such records. Your ( Discover Card Service ) records should be the same.
Consumer complaint received 2024-05-15
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Confusing or missing disclosures — 
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/XXXX, I deposited a United States Treasury check into my Chase Bank account via the teller, who issued a receipt indicating that funds would be available by XX/XX/XXXX. However, upon attempting to withdraw funds on XX/XX/XXXX, the bank manager informed me that they were unable to release the funds, citing a lack of clarity from an unspecified department within the bank. Despite subsequent communication with a market executive assuring me of funds availability by XX/XX/XXXX, no such release occurred. As of XX/XX/XXXX, customer service asserts their intention to withhold funds from a government-issued check. Chase Bank 's current practices do not align with the provisions set forth in the Expedited Funds Availability Act ( EFAA ), a federal statute governing the availability of funds deposited by check.
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Medical Data Systems, Inc. (PA)

I am writing to dispute the validity of the collection account associated with [ Account Number ] on my credit report. I recently obtained a copy of my credit report and noticed the presence of this account, which I believe has inaccuracies. 

Upon reviewing the details of the account, I have identified discrepancies in the information provided. I request that you investigate and verify the accuracy of the following points : 1. **Validation of Debt : ** Please provide detailed documentation verifying the legitimacy of the debt, including the original creditor 's name, the original account number, and the complete chain of ownership.

2. **Statute of Limitations : ** Verify and confirm whether the debt falls within the statute of limitations for collections in [ State ]. If the statute of limitations has expired, the debt should no longer be legally collectible.

3. **Reporting Dates : ** Ensure that the reporting dates on my credit report align accurately with the actual timeline of this debt. Any inaccuracies in reporting dates may be grounds for removal.

I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) to dispute this information. I kindly request that you provide a written response within 30 days of receiving this letter.

If you can not validate the debt or if any inaccuracies are found, I request the immediate removal of this collection account from my credit report. Additionally, please provide written confirmation of the resolution and any actions taken. 

Thank you for your prompt attention to this matter. I look forward to a timely and positive resolution
Consumer complaint received 2024-05-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION (FL)

I requested a refund due to receiving spoiled food that posed a safety risk. After just one bite, it was evident that the food was spoiled, making it inedible. Unfortunately, my children experienced stomach problems and vomiting for days after consuming it. Despite multiple attempts to contact the merchant and resolve the issue, I was not received automatic response saying it had to be resolved by the store because it was purchased through a 3rd party. No one has solved my issue. The bank refused to refund the {$86.00} spent on the spoiled food. This situation not only resulted in wasted money but also left my children hungry and unable to eat.
Consumer complaint received 2024-01-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AMERICAN EXPRESS COMPANY (CA)

Im writing in hopes you can assist me with a major setback in my life. Back in XX/XX/2023 there was death in our family which created a ton of complications for me. The entire experience was traumatic and has set me back emotionally and mentally. I totally spaced it and has never had a late payment with this company. One of which was I mistakenly misplaced my XXXX XXXX statement & had forgotten about until I received my most recent statement. Once I realized I was behind I immediately sent in my payment but in XX/XX/2023 you reported me 30 days late. I make it a point to maintain a great credit history & you can review my history and see Ive never had an issue with making my payment ( s ) on time. This late payment is now impacting my ability to get a new loan & has adding additional strain & complications with my family life. I understand it was my responsibility but Im hoping with my good payment history & long-standing positive relationship with you, could find it in your heart to help me by removing the late payment as a courtesy of my hard times? I would love if you could in your good grace help me because I need to find a new house due to the death and the late payment is impacting my ability to get a loan. The removal of the late payment would allow me to move forward with many areas of my life & alleviate some of the struggle Im enduring. 
I would truly appreciate the favor & goodwill... 
XXXX XXXX - Account # : XXXX
Consumer complaint received 2024-01-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc (MO)

This account has had an open dispute that's been under review since XXXX XXXX XXXX The case is still open. The original dispute was canceled by the customer who contacted both Paypal and his banking institution to let them know he disputed the amount in error. The banking institution sent the money that was disputed back to Paypal and Paypal has yet to put that money back into my account. Both me and the customer have contacted Paypal multiple times about this and they refuse to respond. We have also sent copies of the emails that were sent to and from the buyers banking institution proving that the bank did in fact cancel the dispute and sent the money back to Paypal. Paypal has yet to respond or fix the issue. Again, this dispute is still " under review '' with payal, therefore never should have been sent to collections in the first place.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION (FL)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments be updated to on time as they should be, as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.
Consumer complaint received 2024-03-26
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: NAVY FEDERAL CREDIT UNION (DE)

In XXXX of 2023, I obtained a credit card from Nacy Federal for {$25000.00}. I decided that it was financially feasible to consolidate my credit card debts into one payment. What I was not aware of was that while I was paying a monthly interest, which was {$270.00} my monthly payments if increased would not be as high as {$560.00}. 

I did not know that not paying off the entire amount would have accrued additional interest of {$330.00} which increased my regular monthly payment from {$270.00} to {$560.00}. I was under the impression that even if they added the interest, my payment would be inclusive of what I was paying regularly of {$270.00}, rather than the amount being added to inflate my monthly payment to the high of {$560.00} afterward. Since the card is a cash rewards, shouldn't the cardholder obtain rewards from the said balance transfers?