davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-31
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC (WY)

I have had an account at Gemini for many years, maybe six or seven. 

I tried to access my account this morning, and some glitch in Gemini 's algorithm " closed '' my account, leaving me with no access to MY money ( which I needed to pay bills NOW. ) I have had to borrow money to pay my bills. 

I then got a request to send Gemini images of three documents AND a selfie, all in one photograph, if I wanted access to MY money. 

This is of course impossible. Am I to hold one document in each of my three hands, and the camera with my foot? It is both a physically impossible request, and insane and onerous and deeply insulting and degrading. They demand that I LITERALLY almost jump through hoops- well, juggle, and take a photo with my foot - to get access to MY money in an account I've had for over half a decade. 

I would like access restored to my account, or ALL of my funds returned IMMEDIATELY, and of course nothing in law or regulation allows them to demand I take and absurd and insane - and impossible - selfie. 

I would of course like my money back immediately, and this clown organisation, Gemini, shut down due to violations of fiduciary duty.
Consumer complaint received 2022-12-17
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Affirm Holdings, Inc (NY)

On XX/XX/12 i get an email that my account is frozen and that i need to fill out a webform. I did not trust the email and I called immediately. I got a generic response that my account was frozen due to security reasons and nothing further. I was told account would be unfrozen within a half hour. Next morning I call after account still frozen. Im told i need to fill out webform which I do and that account would be unfrozen within 3 business days. Well its past that. Its the holidays and I need access to my funds. I can not go into a local branch as this is an online bank. How does a bank freeze my account and not have to provide a reason or a timeline to correct it? I asked for a supervisor several times and never got one. This bank has terrible customer service and should not be able to operate this way.
Consumer complaint received 2022-05-31
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CMRE Financial Services, Inc. (TX)

There was an eviction put on my credit account in XXXX, at the time I did not own an apartment. I was not aware of any debt until pulling my credit report. I tried resolving the issue on many equations by mail. In XXXX I was able to get the account removed from my credit, only to enter the year of XXXX with the same debt being put back on to my report from a collection agency who bought them out. Ive tried to dispute this account on many attempt.Ive spoke to all credit bureau, and this collection agency regarding identity theft. I have not received anything via mail as I requested. With this being on my credit it is making it very hard for me to find a home for myself and my child. It has put me into XXXX, and they are not showing any compassion of trying to get the issue resolved. Instead they are harming my credit by constant updating it every month, which goes against FCRA ( Fair Credit Reporting ACT )
Consumer complaint received 2019-10-17
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. (SC)

THE DISPUTED ACCOUNT DOES NOT BELONG TO ME, PLEASE HAVE THIS ACCOUNT REMOVE OFF MY CREDIT FILE AND REINVESTIGATE THIS ACCOUNT SO IT CAN BE IMMEDIATELY OFF MY CREDIT BECAUSE IT HAS CAUSED SERIOUS HARDSHIP TO MY FILE.
Consumer complaint received 2022-11-08
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. (CA)

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX XXXX XXXX Opened XX/XX/2017 Balance {$360000.00}.
Consumer complaint received 2019-06-28
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. (NY)

I disputed through XXXX XXXX  because XXXX   will not let me dispute anything online. There is an old lease ( XXXX XXXX XXXX ) that is reporting with a balance of {$4800.00}. This balance has been paid in full through the dealer when I returned the car. I did re-lease a new car through them however its showing on my XXXX  credit report that I still have this amount. I confirmed with the dealership and it has been confirmed the debt is paid in full and there is a XXXX balance on the 2016 XXXX XXXX. Having this extra debt reporting which is incorrect is affecting my credit score. Its XXXX of debt that I do not owe. This amount is hurting my debt to ratio number.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (TX)

A total of XXXX accounts were removed from my Equifax credit report. Many of these accounts are open revolving accounts with excellent payment history. The accounts in reference are reporting just fine with the other bureaus. As you can XXXX this illegal tactic has decreased my credit score tremendously. I first noticed the accounts were removed back in XX/XX/2023 and have been calling trying to reach a resolution since then. When i contact Equifax they claim they dont know what the problem is and say theres nothing they can do to rectify this issue. Many years ago a similar situation like this happened with equifax and it turned out they had my credit file merged with someone else. I am in the process of purchasing a home and this has hindered my ability to do so at no fault of my own.
Consumer complaint received 2022-12-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (WA)

I discovered that someone is using my phone number to send money Western Union I have found this person connected to my XXXX XXXX and XXXX XXXX accounts the person 's name is XXXX XXXX  the phone number is XXXX and I discovered this with Western Union XXXX send me money to people with my phone number I have had this phone number since XXXX of 2021 I have known that it has been ported out or cloned or whatever it is a XXXX number currently XXXX XXXX because I ported the number to XXXX XXXX  a couple months ago this is also a part of the huge identity theft I'm going through and have been for 2 years I need a lawyer I need help I need someone to help me to find a lawyer so I can acquire and have this come to an end
Consumer complaint received 2019-10-17
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: CITIBANK, N.A. (TX)

Gas was purchased from Exxon station at XXXX XXXX XXXX XXXX, TX XXXX on XX/XX/XXXX using a MasterCard at the pump. On XX/XX/XXXX two charges were posted on the credit card for {$100.00} each. Based on credit card charge description the charges came from Exxon station at XXXX XXXX XXXX XXXX XXXX, TX XXXX. Unfortunately did not get a receipt at the pump but charge should have been around {$25.00} for fill up of a XXXX XXXX.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

ID THEFT VICTIM, ACCOUNTS DISPUTED ARE NOT BEING REMOVED FROM CREDIT FILE # XXXX. POLICE REPORT NEW # XXXX. 
ACCOUNTS ARE FRAUDULENT, NOT MINE, NEED THEM BLOCKED AND REMOVED, DELETED!
Consumer complaint received 2018-09-29
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. (TN)

I submitted a dispute via mail on XX/XX/2018 to the listed address for each of the major credit reporting agencies with the hope that my Identity Theft case would finally be resolved, according to the rule of the Law in the Fair Credit Reporting Act, Sect 605b which states that a victim of Identity theft with validation shall within 4 days be blocked/deleted. This did not happen instead each Agencies stated they had 30 days according to their policy to investigate. Not only is this legally wrong, nothing ever happen.
Consumer complaint received 2022-12-18
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-11-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (NV)

THIS ACCOUNT IS FRAUD. I HAVE NEVER BEEN ASSOCIATED WITH THIS COMPANY. THEY ARE REPORTING NEGATIVELY ON MY CREDIT REPORT. I WOULD LIKE THIS ACCOUNT DELETED FROM MY REPORT IMMEDIATELY. I HAVE MADE SEVERAL ATTEMPTS TO GET THIS ACCOUNT REMOVED.
Consumer complaint received 2018-09-29
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY (CA)

When I placed this item I didnt see belt any where all I saw was ring so I thought its a jewrlry ring Also I didnt know Nordstrom rack charge shippings fee under {$100.00} not only I ordered a wrong merchandise now I have to retune it and still cost me This isnt right
Consumer complaint received 2024-03-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (NY)

To whom it may concern I am making a formal complain due to the inconsistencies and the stress trying to manage our student loans has been. I don't want to place blame on Mohela solely because this has to do with the Department of Education as well. I have found many helpful reps at mohela but at times many inaccuracies. 
I received a letter today XX/XX/year>, dated XX/XX/year> my account was placed in an mandatory administrative forbearance, due to my yearly IDR renewal. 
I renew my plan XX/XX/XXXX XXXX, approved XX/XX/year> and scheduled to begging on XX/XX/year>. 
I had a bill for XX/XX/year> ready to be paid, once I was placed on this administrative forbearance due to processing IDR my due bill disappeared. I can't make any payments and is too late to generate a bill. 
Once I called, I spoke to a supervisor who stated this forbearance will count for XXXX once the Department of Education applies the XXXX review. 
The Department of Education states is Mohela that needs to apply the forbearances. 
I called today, just to see what response I got and was told, she didn't know. She couldn't say if it was going to be applied for XXXX or XXXX. Could not give me a straight answer, and I can't even pay because there is no bill. I mean come on!! we are trying here. Please help us. Attached is the letter received and the bill with no payments due for XXXX. 
Also attached are picture of the new XXXX rules, were it states mandatory forberances placed by servicer count for XXXX. It should be stated in your website. Please help!
Consumer complaint received 2022-05-31
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)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2022-05-31
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WA)

They called me multiple times a week and during work hours, I have asked them to not call during work hours and they still continue to. 

They called me at XXXX XX/XX/22 I asked them to send written conformation of the debt they said they have sent them. 
I have not received them. 
They said something about sueing but the call was spotty so it was breaking up. 
The caller then got very defensive with me when I asked them to send another written conformation. She continued to say that they have and I asked them to send it again and then I was hung up on.
Consumer complaint received 2024-03-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (TN)

I have now called Mohela about this 4 times since XXXX and it still has not been fixed. Back when student loans were set to resume in XXXX - thinking I had a payment ( because Mohela said I did )- I forced my payment through as their auto debit did not take it. 

A month later I received an e-mail saying my account was in forbearance and there would not be a payment due until after XX/XX/XXXX. My account was still forbearance in XX/XX/XXXX but was to set to go into repayment in XXXX. I called Mohela in XXXX, to ask that the payment I made back in XXXX be put towards my XXXX payment instead of requesting a refund. I have called 4 times about this and been told that it's been escalated and will be handled. It said it would be handled by the deadline of XXXX - today, but it is not and I received an e-mail stating that my payment is delinquent. I need my previous payment applied because I am under PSLF and need my months to qualify. 

I also have a complaint about being in forbearance in XXXX, I was told this doesn't count towards my PSLF because it was in forbearance due to my loans being consolidated. I submitted my loan consolidation back in XXXX, it's not my fault Mohela did not get in through in a timely fashion to suit their needs. 

Oh and I called Mohela today and requested a call back, got the call back - to only hear music on the other end and then hung up on. Thanks, Mohela.
Consumer complaint received 2022-05-31
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (AZ)

Please help me. 
I have called, emailed and faxed care credit at least 50 times since 2020, and about 95 % of the time I am completely ignored, and the times they have responded it has been with a form letter that does not address any of my complaints. 
I have also requested my case be escalated dozens of times, I have requested for a manager to contact me dozens of times ; and all requests have been completely ignored. 
I have provided Care credit aka synchrony bank with evidence that I do not owe the charges they are claiming I owe, and care credit aka synchrony bank is fully aware that they do NOT have my signature on many of these charges as they were NOT authorized, and they were simply charging my accounts because they had the information and that I was overcharged and double charged. I provided documents and emails that proved that these overcharges and double charges were made without my presence, approval or knowledge. I also provided them with documentation that the services were NOT rendered and as a result my XXXX cat suffered immensely and died as a result of extreme negligence and malpractice, and a completely botched XXXX they attempted to cover up. I provided documents that proved that the XXXX was botched and that the foreign tubular object was never removed from my pet 's chest and that on top of that additional damage was done as they broke his xiphoid process during XXXX, and then tried to cover all this up. I provided them with the CT scan from before the XXXX, a CT scan after the XXXX and the necropsy report, which all prove that the XXXX was botched and that they did additional damage during XXXX!!! I also provided Care credit with veterinary malpractice bills that have been written because of what happened to my pet, as well as a letter from our state representative XXXX XXXX, who clearly instructs Care credit and advises Care credit that these charges are not owed, and that he has written bills in the state of Arizona to address veterinarian malpractice because of what was done to my pet XXXX. CareCredit has ignored me completely and continues to send me bills, even the credit bureaus took this off my record due to the preponderance of evidence that this debt is not owed. Please help me and stop them from continually harassing me and reminding me of what was done to my beloved pet. We now have three bills in the state of Arizona to address the vet malpractice in this state. I'm happy to provide you with all the documentation, please let me know where I can email it because I am limited as to the documentation I can provide here, it is not letting me upload files larger than 10 MB and I have many additional files that are larger than that. 
Please help stop this harassment and illegal attempt to collect money is not owed. 
Thank you very much for your assistance in this matter. 
XXXX XXXX
Consumer complaint received 2018-09-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I submitted a dispute via mail on XX/XX/2018 to the listed address for each of the major credit reporting agencies with the hope that my Identity Theft case would finally be resolved, according to the rule of the Law in the Fair Credit Reporting Act, Sect 605b which states that a victim of Identity theft with validation shall within 4 days be blocked/deleted. This did not happen instead each Agencies stated they had 30 days according to their policy to investigate. Not only is this legally wrong, nothing ever happen.