davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (TX)

I posted an item for sale on XXXX XXXX and had a scam account try to contact me and buy the item. I was unaware and desperate to get my item sold within a reasonable amount of time as I was getting ready for my move. XX/XX/2024 I was told I received my payment but that I needed to send out an additional payments to secure my funds, which lead to more money being sent back and fourth using digital money applications such as XXXX XXXX and XXXX and XXXX XXXX. These people that were in contact with me made me feel as if they were actual customer service XXXX agents and told me if I didnt comply my accounts would be suspended and deactivated due to fraud. A lot of mental exhaustion and stress that I dealt with unfortunately, and still am. The amount that was taken was {$1300.00} total. Wells Fargo never reached out letting me know of my status and never gave me documentation, regarding why it was even denied. When I first contacted Wells Fargo I was notified that I would receive information on the processing and status of my claim.
Consumer complaint received 2024-06-04
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ny XXXX Account : XXXX NELNET ATTENTION : XXXX XXXX. 

XXXX XXXX XXXX XXXX, XXXX XXXX AFFIDAVIT OF FACT/ NOTICE Dear XXXX XXXX, I hope this letter finds you in get spirit and good health. 

I am responding to the letter I received on XXXX XXXX. I take this matter seriously. I come with clean and good faith from the being. I was ignorant to the law and my right. Now that Im woke I have the right to exercise. I have previous attempts to resolve this issue. 



Fact, Puarsuant to House Joint Resolution XXXX XXXX XXXX, XXXX. XXXX. CHAPTER XXXX, XX/XX/year> JOINT RESOLUTION - [ H.J. Res. XXXX ] [ Pub. XXXX, XXXX. XXXX ] XXXX XXXX XXXX Every obligation, heretofore or hereafter incurred, whether or not any such provision is contained therein or made with respect thereto, shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment is legal tender for public and private debts. that the government has the obligation to discharge and settle any debts we may incur in our daily lives. There are many ways to skin a cat, but It was says it in your law not mines. 

Im requesting the following QUESTION to Be ANSWER.

1. How is the Evidence is lacks any legitimacy?

2. How all this unfair, deceptive, and misrepresentation practices, lack of performance, lack of consideration and lack of fiduciary duty of Nelnet, is going to fine me?

3. How can one pay a DEBT WITH ANOTHER DEBT.

4. What are the 1099-C IRS FORMS made for?

5. How is the 1099-C IRS FORMS fraudulent?

6. HOW is the Nelnet on my credit report Benefiting ME?

7. Are you Harassing me or threating me?

8. I cant practice my legal right? My equitable rights?

9. Is the United States BANKRUPT?

10. Tell me WHAT are the FALSE STAMENTS, FABRICATING PHYSICAL EVIDENCE?

11. Tell me WHAT SCAM YOU ARE REFERING TO?

12. WHO IS BEING TARGETED?

13. WHAT CONSEQUECES YOU ARE REFERING TO, AM I A CHILD? 





FACT, Pursuant to XXXX XXXX. DISCHARGE AND EFFECT OF DISCHARGE. 

( a ) The obligation of a party to pay the instrument is discharged as stated in this Article or by an act or agreement with the party which would discharge an obligation to pay money under a simple contract. 

( b ) Discharge of the obligation of a party is not effective against a person acquiring rights of a holder in due course of the instrument without notice of the discharge. 





If you have any concern please write me. I look forward to your response. 

Sincerely, By : XXXX ; XXXX
Consumer complaint received 2021-12-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (GA)

My dispute has been forwarded to citi executive response team to resolve my fraudulent charges on my Sears Credit Card # XXXX. They sent me pdf messages that when I recieved them the time were already expired. I tried to explain to them that Im a XXXX XXXX and dont understand a lot of computer stuff and my phone dont work correctly. 
Ive talked to several persons at citi executive response team XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX. XXXX XXXX supposed to call me back on XXXX of XXXX 2021. I called her back the voice message forward me to another person. They keep passing the Torch. So this is why I requested that we communicate in Writting by Mail and send it through the United States Postal Service. So I can have proof of what the conversations was about resolving the fraudulent charges on my sears credit card.
Consumer complaint received 2019-09-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (AR)

I paid through friends and family on pay pal to a XXXX XXXX on XXXX but XXXX XXXX on pay pal for concert tickets to a sold out breaking XXXX XXXX in XXXX Arkansas on XX/XX/XXXX that she never delivered digitaly like she said she would. I sent {$55.00} dollars plus Paypal collected. XXXX $ in fees.
Consumer complaint received 2019-09-08
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: ALLY FINANCIAL INC. (MI)

Please see the attached document which is 4 pages long. The company did not process my disputes correctly. They processed them as unauthorized fraud. That is not correct. I disputed because the ATM DID NOT DISPENSE any funds in these transactions.
Consumer complaint received 2024-06-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (PA)

My school loans were part of the XXXX XXXX XXXX settlement and have been discharged. But I am yet to receive a refund from my service are Navient. I believe that deadline is approaching and they are being difficult.
Consumer complaint received 2021-12-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE (FL)

I have incorrect information reporting to my credit and it is preventing me from purchasing a home for my family through XXXX XXXX XXXXXXXX. Ive reached out to these companies several times and have explain to them that this is not my debt And they have failed several times to give me proof. On top of that My insurance premium is going up because of these collections and they are saying is mine luckily I still have my job and I havent missed out on any opportunities because of my credit score however it is harder for me to rent an apartment and that is the main reason why Im looking to get home. The deposit that I have to pay for my utilities as well as Internet is outrageous all because they are going based off my credit. At this point I dont feel like I can build wealth in America or even retire because of the falsely accused collections that are on my credit report. I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report. I did not authorize nor know anything about these accounts listed. these are fraudalent accounts. i know my rights. This is stopping my life please remove them immediatley .You have 30 days. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 615 ( f )
Consumer complaint received 2019-09-08
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Investigation & Recovery Assoc. LLC (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX c.a XXXX tel XXXX XXXX. Amount is {$11000.00} they are calling my job family in XXXX the XXXX call me to take me to court .. yesterday around XXXX XXXX XX/XX/2019 I was working When I receive a call from my wife the A lady dropped paper on my door my wife ask Who are you When my wife read the paper she find out she I s process service For Texas . I  noticed the paper is not. correct the information the signature and date and amount
Consumer complaint received 2022-08-31
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: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting Act, the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Us Dept of Education # XXXX Us Dept of Education XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX  # XXXX have violated my rights. 

15 USC 1681 section 602a states that I have the right to privacy.

15 USC 1681 section 604a also states a consumer reporting agency can not furnish an account without my written instruction.

Please delete these accounts from my report.
Consumer complaint received 2024-06-03
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Navient Solutions, LLC. (MT)

The Biden Administration has announced they are discharging loans for students " who enrolled at any XXXX XXXX campus on or after XXXX XXXX, XXXX, through XXXX XXXX, XXXX ''. I enrolled in XX/XX/XXXX and suffered the same predatory lending and manipulation from the XXXX XXXX. I left the school in early XXXX, with a hefty sum of Student Loans. My father originally co-signed these loans for me, believing it was my best option to further my education. I tried my best to make payments on these loans, but ultimately my father pulled from his XXXX to pay off the loans. We should be included in the loan discharge or refunded for what we paid to take these predatory loans off our credit reports. There is no news on whether loans that are paid in full will be refunded.
Consumer complaint received 2021-12-20
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. (CA)

I am writing to you to block the following listed items from my report immediately which are not authorized by me. I became a victim of IDENTITY THEFT a couple of years ago. I have noticed that many items appeared in my report which was never opened by me. You are reporting Inaccurate, incomplete, or unverifiable accounts.
Consumer complaint received 2021-12-20
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (CA)

I got a credit card from Lowe 's ( XXXX CA ) to avail of the 6 months interest free program. I received my first statement ( XXXX ) through the mail and immedidately sent payment for almost 10 times more than the minimum amount required ( {$420.00} vs {$44.00} ) by mail. However, due to XXXX issues causing delays in the post office, I assume that the company received the payment later than the required due date. Also, unbeknownst to me, they changed my statements electronically from the paper statements that I was expecting to receive on a monthly basis. I called the company to correct this error since I never received the second statement ( XXXX ). Afterwards, I immediately sent the second payment for {$420.00} to cover the amount for the second statement, which I assume is also {$44.00}. Upon receipt of the third statement ( XXXX ) by mail, I noticed that the balance owed was more than the amount I expected to still owe the company. It turns out that they charged me {$29.00} late fee for XXXX and {$40.00} late fee for XXXX including {$0.00} for interest fee. I called the company to dispute the fees and they agreed to refund me the {$40.00}. However, the other fees are still enforced. I just want to report that the business practices of this company regarding the fees are unconscionable.
Consumer complaint received 2021-12-20
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. (CA)

Hello, For a property I own that is serviced by XXXX XXXX XXXX, my property management has documented proof check was printed and I have a statement from my property management company noting date, check number, and reference number for the date. The management company has been doing accurate payments for years this way so I doubt they would choose this time to falsify a document/statement. I have had YEARS of on time payment. 

I have provided all this documentation to XXXX but they will only communicate via mail and refuse to address this mistake. 

Transunion site which should allow me to dispute with uploading information does not forcing me to mail documents in which is timely and horrible.
Consumer complaint received 2021-12-20
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. (FL)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SOFI TECHNOLOGIES, INC. (GA)

While I was in XXXX I had my wallet stolen as I walked through XXXX with friends sometime between XX/XX/XXXX at XXXX and XX/XX/XXXX at XXXX XXXX. I cancelled all three cards in my wallet when I was able to get back to the hotel and charge my phone. 

I reported the fraud case to SoFi bank via phone on XX/XX/XXXX ( I was unable to report the case until the funds had settled ) once I returned to the United States. Since then SoFi has denied any claims of fradulent charges, has refused multiple requests and even demands for contact, and will not refund the charges despite solid evidence provided. 

I have solidly proven I was unable to make the purchases at the time they occured since I have GPS tracking data that I was never in the subburb the shops were location, AND photo proof with GPS data that I was physically in a different location at the time of the purchases. 

My other banking institutions have refunded all charges with far less evidence or hassle, and were actually able to be contacted. SoFi does not allow any communications with what they consider the " back room ''.
Consumer complaint received 2023-01-20
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: Experian Information Solutions Inc. (NV)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : U S DEPT OF EDXXXX Account : XXXX XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX Account : XXXXXXXX XXXX XXXX XXXX XXXX Account : XXXX U S DEPT OF ED/XXXX ( Original Creditor : XXXX XXXX XXXX XXXX, Account : XXXX U S DEPT OF ED/XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX, Account : XXXX 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 2024-03-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have recently received my credit report and I've noticed many accounts opened without my authorization : Capital One XX/XX/year>. I am not sure where my information is being stolen from but I'm initiating this police report with hopes of getting these issued resolved as it is hurting my credit profile and creating debt that isn't mine.In addition to statement above, I have not live or resided in these locations where these accounts have been opened. This was brought to my attention once I have finally seen my full credit report. I was being denied for a lot of things like bank accounts, credit cards, and loans for example. 

I requested for debt to be validated and cease reporting any debt to credit reporting agencies.
Consumer complaint received 2023-01-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (FL)

I believe it was in 2017 but I had deposited a check into my Wells Fargo account that was marked as fraudulent, though it was a certified check. I was charged fees, they froze my account and then arbitrarily closed it. A short time after they called to say they made an error and I could reopen the account but they wouldnt refund any of the lost money. I had already opened a new account and never wanted to do business with WF again. It caused me financial strain and much embarrassment in trying to explain to my creditors why their payments were returned. I was assessed fees by both the bank and the creditors who returned my payments due to the frozen, then closed account.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

I reviewed my consumer report and noticed late payments on my account with XXXX XXXX XXXXIn addition to that, I have also noticed that several of my consumer rights have been violated in the midst of these late payments being added to my credit report. According to the FCRA, as outlined in 15 USC 1681 e ( b ), consumer reporting agencies are responsible for providing maximum accuracy when reporting consumer information, however my consumer report has several inaccuracies that I have below. In addition to that late payments are considered transaction due to the late fees that are associated with credit cards & according to 15 U.S. Code 1681 a 2 ( A ) ( I ) consumer reports should not include information pertaining to any transactions or experiences between the consumer and the originator of the report. If this is the case, late payments that I am not responsible for should definitely not be reported on my consumer report! I am aware of several other consumer rights that have been violated and I am prepared to settle for civil liability damages that I have suffered as a result of your violations. Please investigate and provide proof with statements showing that these payments were late. If proof can not be provided, I ask that any late payments associated with XXXX XXXX XXXX on the dates below be updated to paid as agreed on time and NOT DELETED so the account can remain active. Thank You! Your cooperation in this matter is crucial to ensure the accuracy of my credit report and to safe guard my rights as a consumer under the FCRA. I appreciate your prompt attention to this dispute and look forward to a resolution in a timely manner. 

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX
Consumer complaint received 2023-01-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/XXXX, I learned that Enterprise XXXX, XXXX ( " Enterprise  '' ) had unlawfully charged my JP Morgan Chase Bank , N.A . ( Chase ) checking debit card in the amount of {$650.00}, and immediately disputed the charge. I provided Chase with the correspondence I had sent Enterprise dated XX/XX/XXXX, requesting from Enterprise its invoice for any outstanding amount ( s ) due, and since Enterprise was authorized to charge my debit card, out of precaution, I also sent Enterprise correspondence revoking authorization for any future debits. More importantly, I also provided Chase with Enterprises invoice dated XX/XX/XXXX, showing a {$0.00} balance. 

On XX/XX/XXXX, Chase informed me that they had denied my dispute. On XX/XX/XXXX, I sent Chase a Stop Payment Order and requested the documents Chase relied upon to make the denial pursuant to 12 CFR Ch. X, Pt. 1005 ( Regulation E ), et al. 

Chases findings that the transaction processed on XX/XX/XXXX, or 51 days after revoking authorization, in the amount of {$650.00} was properly " processed according to the information I provided '' is clear evidence that Chase has failed to properly initiate an investigation in accordance with Regulation E. On XX/XX/XXXX, Chase debited my checking account in the amount of {$650.00}, without providing me with the requested documents pursuant to Regulation E.