davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (TX)

In accordance with the fair credit Reporting act XXXX XXXX has violated my rights. 15USC 1681 section602 States I have the right to privacy. 15USC 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 15USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for XXXX  purpose.
Consumer complaint received 2024-01-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: T.S. Holdings (NV)

This collection agency is constantly putting this negative item on my credit report. I am not liable for this debt with XXXX  XXXX. I do not have a contract with the collection agency IQ DATA INTERNATIONAL INC.  They did not provide me with the original contract that I requested several times. They are causing me irreparable harm and they won't stop.
Consumer complaint received 2024-01-06
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: BANCFIRST CORPORATION ()

Dear Sir, unfortunately, I have not yet received any positive responses to the topic I sent to you, which is as follows : Dear Sir, I received the following message on my email : ( ( Greetings XXXX, Im contacting to let you know that your funds will be transferred through online banking wier transfer, so kindly click the link below Main Website Link Pegasus XXXX Pegasus XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX Without Boundarieshttps : //pegasusintb.com/ -- -- -- -- -- -- -- -- -- -- -- - Subsidiary of : BANK NAME : Pegasus Bank BANK CLASS : State Chartered - FED XXXX Bank MEMBER FDIC : Certificate # XXXX ROUTING NUMBER : XXXX XXXX Branches in Texas XXXX XXXX XXXX XXXX, XXXX, Texas XXXX Create your personal online banking account let me know when you're done so that the bank will approve it and send you the account number Thank you ) ) I, in turn, created an account through the website that sent us the link. You have sent us the account number ( ( XXXX ) ) and created the password. Then I entered the account and found a balance in it ( {$860.00} XXXX ). I accessed the transfers through the transfer icon and found it locked, so they informed me. By sending {$700.00} first so I can transfer from my account Therefore, I would like to ask you to kindly verify the validity of my account with this company affiliated with Pegasus Bank. The account number is ( ( XXXX ) ) in the name of XXXX XXXX XXXX XXXX XXXX XXXX and then kindly contact us via XXXX or via my email ( ( XXXX ) ) and verify the validity. I hope that you will not neglect us and communicate with us. 
Important note : Dear Sir, we have been contacted on XXXX by a person who says he is from XXXXXXXX XXXX and his name is ( ( XXXX XXXX ) ) and his phone number is ( ( XXXX ) ) and he asked me to send a fee of {$700.00} in order for the online money transfer icon to be opened in the account. I would like to inform you, Your Excellency. I am able to access the account daily through the website link using the account number, password, and code sent to us from the bank Please don't neglect us Dear Sir, Your Excellency 's interest in my letter and response will be respected and appreciated. Thank you very much With Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX / Call : XXXX Email : XXXX XXXX
Consumer complaint received 2017-04-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Trident Asset Management, L.L.C. (OH)

I paid this debt a year ago, and it was removed from my credit report. Then a new amount was added two months later. When I attempt to contact the company it says the phones are not in service, and the pay my bill link on the website is a false link. I want this derogatory remark removed from my credit history, especially after paying {$200.00} to this company. It seems as if they dont even exist however, aside from on my credit report.
Consumer complaint received 2024-01-06
Product: Checking or savings account — Other banking product or service
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: WEBSTER BANK, NATIONAL ASSOCIATION (CA)

XXXX offers investment where yor principal is FDIC insured ( 0 % APY ) but returns are offered based on stock investment. I had deposited {$1000.00} for a year and then I was given {$6000.00} " investment fund '' that I could get returns. So, it would earn returns on an equivalent of {$7000.00} wth me getting back {$1000.00} prinicipal plus returns on {$7000.00}. My account shows that my investement was in S & P500 which had a >20 % return over the year. So, we are looking for a return of about ~ {$1400.00}. But magically the returns disappeared over the months with no explanation on costs or returns. Could you send statements on where the money was invested, what your fees were and like? This company is something SEC/FTC/CFPB should look at.
Consumer complaint received 2023-06-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (TX)

I informed XXXX about a transaction of {$240.00} charged on some traveling website. XXXX with in 10 minutes they declined my transaction. I worry they have not even tried to verify transaction of the person who the ticket is under name of. What is going on?
Consumer complaint received 2024-01-06
Product: Debt collection — Payday loan debt
Issue: Electronic communications — Used obscene, profane, or other abusive language
Company: GVA Holdings, LLC (FL)

I took out a loan with bright lending in XXXX. I was able to make a payment but unfortunately I had fallen through hard times. On XX/XX/XXXX I entered a payment plan. I was able to make two payments. The last payment I made was Thursday XXXX. I checked my finances yesterday and I saw I didnt have enough funds due to an increase of expenses so I reached out to account resolutions and asked to remove my payment plan which was done. And I explained my situation. Yesterday I got a missed call from bright lending. Then this morning I got an email from bright lending asking if I believe in second chances. The email said my bright lending is now seriously overdue and may now include late fees and returned items. I am going through hard times and the email came off threatening to me. I do plan on going on a payment plan. But I need time to get back on track financially I want to be able to have enough funds to avoid an overdraft. I had spent the holidays during XXXX  with a negative balance. And that was not a pleasant experience. And I dont ever want to go through that again.
Consumer complaint received 2024-01-06
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Debt Recovery Solutions, LLC (SC)

Dear Sir/Madam, I received a letter from Debt Recovery Solutions , LLC on XX/XX/XXXX. Which stipulated that if I were to respond by XX/XX/XXXX, any disputed amount would necessitate the cessation of collection until appropriate documentation demonstrating the validity of the debt was provided. 
Regrettably, on XX/XX/XXXX, at XXXX, I engaged with Debt Recovery Solutions to discuss a credit report entry that had been attributed to your company, indicating a debt in the amount of {$1200.00}. Disturbingly, this entry had been placed on my credit report before I was afforded the opportunity to dispute the full amount, thereby infringing upon the terms outlined in their correspondence. The negative collection was, in fact, registered on XX/XX/XXXX, thus affording me an inadequate window to exercise my right to dispute the debt by the specified deadline of XX/XX/XXXX. 
During my interaction with your representative, XXXX, I was informed that she lacked the authority to remove the negative entry from my credit report. Subsequently, upon her consultation with her supervisor, XXXX XXXX, I was advised to revisit this matter on the upcoming Monday. It was conveyed to me that failure to comply with this instruction might result in further delay, effectively perpetuating the untimely inclusion of this adverse entry on my credit report. I find this approach to be manipulative and obstructive, particularly given the constraints of my professional commitments. 
I wish to express my strong belief that this practice is not an isolated incident but rather a systemic issue within Debt Recovery Solutions, impacting numerous consumers. It is my sincere hope that this correspondence serves as a catalyst for rectifying this practice moving forward. 
I trust that you will promptly address this matter and take the necessary steps to rectify the untoward inclusion of this debt on my credit report. I anticipate a swift and amicable resolution to this issue, and I appreciate your prompt attention to this matter. 
Thank you for your time and prompt attention in resolving this matter. I look forward to your timely response. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2018-12-18
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (WI)

I contacted all three credit bureaus about this account. It has been 30 days now with no response to my request for them to remove this hard inquiry off of my credit reports.This is causing me a great deal of hardship, I am trying to buy a home and this account has made my credit score go down drastically. I have XXXX children and I can't move into a bigger home with a low credit score. The credit bureaus did not follow the FCRA regulations in regard to this matter they were suppose to respond in a timely manner to my request I sent them certified letters through the United States postal service and still nothing!
Consumer complaint received 2024-01-06
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Remitly, Inc. (MO)

I contacted Remitly ( XXXX ) in XXXX, XXXX, XXXX and XX/XX/XXXX about a fraud transaction involving an individual XXXX XXXX from XXXX that stole my {$500.00} taken out of my checking account on XX/XX/XXXX and XX/XX/XXXX that was intended for an business transaction. Each time I contact the organization, they rudely pretended that there are no transactions that matches the description and that they were going to follow-up with an investigation but did not. Today, I called and finally got an individual to admit that the transactions was in their system. It is my belief that they encourage this sort of actively evident by the refusal the follow-up with these fraud charges. I contact the organization prior to sending the money to ensure that this was legitimate and they verified it was. 


No, I first contacted you in XXXX XXXX and tried to get you to stop the transaction. It's quite obvious that you did not thoroughly check. I have been contacting you since XXXX and XX/XX/XXXX is the first time you responded. You first claimed that you did not see any transactions that matched my claim and then never got back to me even though you promised to do so. You tend to encourage this sort of activity and have not put into place any security measure to prevent this from happening again.
Consumer complaint received 2024-01-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (TX)

XX/XX/XXXX i called chase to report a dispute. 
It was deniedXX/XX/23. 

I added my police report, & it was denied again by XXXX! XX/XX/23I already reported that my phone was stolen and DID NOT AUTHORIZE this transaction. 

I did NOT benefit in any way from the transaction and I'm only suffering from it. 




IMPORTANT : I PREVIOUSLY HAD A BUSINESS ACCOUNT WITH CHASE THAT WAS CLOSED IN XXXX OF 2023. CLEARLY I AM NOT REFERRING TO THAT ACCOUNT AS THE CLAIM DATES START IN XXXX! 

I HAVE A PERSONAL ACCOUNT THAT IS CURRENTLY STILL OPEN AND THAT IS WHAT ACCOUNT IM REFERRING TO.. 

THE ORIGINAL DISPUTE CLAIM I FILED WITH CHASE ON XX/XX/23 IS NOT GOING TO BE OPEN SIMPLY BECAUSE XXXX JUST REFUSES TO REOPEN IT.
Consumer complaint received 2024-01-06
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Carvana Group, LLC (KS)

I bought a XXXX SMART fully electric car from XXXX. The car was advertised as having a XXXX range between charges. The car 's battery would not fully charge and I was getting a XXXX range between charges in cold weather if I did not use the heater. I live in the country and the nearest grocery store is XXXX miles away. I contacted XXXX with this issue and was referred to XXXX XXXX as the car was still under warranty. XXXX XXXX referred me to XXXX repair facilities in their network all of which told me they do not work on electric cars. I called XXXX XXXX many times, with the same result. Finally, I called XXXX dealerships as the car is manufactured by XXXX. The XXXX dealerships stopped selling the SMART car in XXXX and they told me they do not work on them any longer. I found XXXX XXXX dealership XXXX hours from me that does, but they told me they have several SMART cars in their shop with battery issues and it would be more than a month before they could get to it as they only have XXXX technician. I contacted XXXX XXXX and they told me the XXXX dealership was outside of their network and I would have to have the dealership contact them to be able to deal with the issues. XXXX XXXX also told me they only pay for a one-hour diagnostic and I would be responsible for the remainder of the payment beyond XXXX hour. With the payments I have made, I am already well over $ XXXX into a car I can not use. XXXX XXXX XXXX representative referred me to a repair facility in Ohio and he thought it was only XXXX miles from Kansas. Finally, I did a voluntary surrender to XXXX. So now I have a blot on my credit record. I am a XXXX veteran on 100 % comp for XXXX. This has sent my stress through the roof. I am seeking legal counsel to resolve this issue.
Consumer complaint received 2024-01-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

Regarding Capital One account ending in XXXX, it is associated with my company. However, upon reviewing, the accont, it has come to my attention that fraudulent charges were made to the account before multiple payments. These charges were initiated by a third party. In light of these circumstances, I kindly request that the account be either deleted or the balance be set off. Thank you for your attention to this matter.
Consumer complaint received 2024-05-14
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. ()

Initially, Coinbase restricted access to my account and requested identity verification, a process I completed. However, subsequent to verification, my account remained under review for an extended period of 6 months without resolution. Upon inquiry, Coinbase alleged a duplicate identity associated with the account and advised me to open a new account, complete verification. after which coinbase would transfer the funds from the old account to the new account. In compliance with Coinbase 's directive, I created a new account, underwent the verification process once more, and awaited the transfer of funds. 
However, both the old and new accounts were subjected to manual review simultaneously. Coinbase then communicated that maintaining two accounts is not permissible and instructed me to delete the duplicate account. Despite seeking clarification on which account to delete, given the ongoing review and pending fund transfer, Coinbase failed to provide specific guidance and reiterated the instruction to delete the duplicate account repeatedly. Frustrated by the lack of clarity and resolution, I opted to delete the new account as a proactive measure and informed Coinbase accordingly. Regrettably, despite this action, the original account remains under manual review, and I have not received any further correspondence from Coinbase. Subsequent attempts to seek updates on the review status via multiple follow-up emails have gone unanswered. This predicament has caused significant inconvenience and financial distress to me. Case ID is XXXX XXXX XXXXXXXX.
Consumer complaint received 2022-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX   WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2024-01-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (MO)

Nelnet has been an absolute nightmare to deal with in the wake of student loan payments resuming. My loan was transferred from Great Lakes and never had nearly as many issues as I have with Nelnet in this short period of time. It takes an hour to get ahold of anyone and when you do I have had my call dropped multiple times. When I have gotten to speak with someone I have received contradicting information and was assured I was on the XXXX plan and just needed to wait for it to process. I waited 4 months to get told they were missing information from me even though they said they have had everything they need for months. Their representatives do not know any information about the new plans and didnt provide any guidance as to how the government subsidies pays the remainder of interest on your bill. And even more so, the primary reason I am filing this complaint is my interest is STILL accumulating under the XXXX plan and no one has offered guidance when I have tried to ask as to why that is happening. I have contacted my congressional representative and havent had much luck. I need help with getting Nelnet to post accurate numbers and clear guidance. I need them to follow the guidelines of the XXXX plan and waive the remaining interest on my plan.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-01-06
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A. (NV)

On XX/XX/2023, we enrolled in a XXXX membership, intending to enjoy their facilities with our family. Unfortunately, due to unforeseen circumstances, we were unable to utilize their services and proceeded to cancel the membership on XX/XX/2023. We meticulously followed XXXXXXXX XXXX online cancellation process, ensuring all family members associated with the account were included in the cancellation request. 

We have concrete evidence, including a screenshot taken during the cancellation process and email confirmations from XXXX, validating our comprehensive cancellation. These documents unequivocally demonstrate that all memberships under our account were intended to be terminated, contrary to XXXXXXXX XXXX assertion that only the primary membership was canceled. 

Regrettably, XXXX continued to charge our account in the subsequent months, despite the lack of service utilization and our explicit cancellation. We find this to be a clear case of wrongful billing, necessitating immediate remedial action.
Consumer complaint received 2022-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

In accordance with the Fair Credit Reporting act 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
Consumer complaint received 2018-12-18
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. (LA)

Greeting, In XXXX of 2018, I received verified dispute results from XXXX, Experian, and XXXX. According to the FCRA my rights has been violated. I asked all the companies to show how the account was verified, to send a copy of the original contract, and the payment history of the account. All failed to provide me proof and is still reporting negatively.
Consumer complaint received 2022-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (NC)

Sometime in XXXX, I was given a Jewelry Credit Card account with Wells Fargo and this account was shown on my dashboard for all of my accounts. Within a few months, Wells Fargo closed that line of credit, but I still continued to have a balance. I continued to pay on that balance for the next several years. It was a monthly payment that I thought would be good for my credit history. 

In XX/XX/XXXX, there was an occurrence that I guess I missed a payment. I was unaware that I had missed a payment and I don't remember seeing anything on my emails, dashboard or anything that said I was due. I know that I'm most definitely wrong, and that I most likely missed the month of XX/XX/XXXX in terms of what should have been a ( {$45.00} payment ), but I'm hoping and pleading with Wells Fargo that they grant me a 1x removal of that 30 day late entry on all three of the credit reporting agencies. 

I've since paid off the account and closed it ( as of XX/XX/XXXX ). I have also taken necessary " auto-pay '' features on all of Wells Fargo accounts I own so that I never miss another payment to anything. This one time removal I know is not something that is typical, but this entry is preventing me from pursuing a refinance loan thru the VA on my home and would really appreciate the courtesy and goodwill gesture. 

I've attached the screenshot of the reporting. I no longer know the account number associated with the file since the account is closed.