davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-19
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (FL)

There are late payments showing on my Navient Student loans- I have several due to Navient back in 2016 due to the fact that Navient was steering me towards forebearances instead of letting me know that I was able to do an income based repayment plan. Once the forbearance was over they never sent notification that it was over and I recieved very unclear and about how to enroll in income-driven repayment plans and how to be able to manage my student loan payments. Navients negligence to give me information when I tried to reach out to them really affected my report as they continued to report late payments on all of my loans. I finally was able to research information after months of trying to get help from Navient. I was able to get help from a financial aid officer at the school who advised me that I could consolidate my student loans, request a new servicer and also apply for Public Service Loan forgiveness since I worked in Public Service.
Consumer complaint received 2021-06-18
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC (NV)

Gemini won't allow me to Deposit or Withdraw any currency without sending a Wire Transfer first. A wire transfer can not be made until my identity has been verified. 

I can not verify my identity until I make a wire transfer. 

I can not wire transfer money until my identity is verified. 

Gemini has created a paradoxical situation where a user can not be verified until a transfer is made, and a transfer can not be made until a user is verified. ( See screenshot below ; notice how the " Continue '' button is greyed out and unable to be clicked when trying to send a wire transfer ) All of my assets are frozen in Gemini 's platform due to a technical, paradoxical issue created by Gemini. 

Attempts have been made to reach out to Gemini for resolution and they have failed to investigate the issue thoroughly to completion.
Consumer complaint received 2020-03-19
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. (CA)

This is regarding improper handling of charge-back dispute and not considering the documentation provided by the customer. 

I created a chargeback dispute against merchant XXXX, as I never received those items. The merchant shipped out the items to another country itself. Such a huge mishap.! I tried to contact the merchant and they accepted the mistake but did not provide refund. 

I provided all the supporting documents to citi bank including the tracking number and the snapshot proving that items were not delivered to the designated address. The document also included merchant 's response where they accepted their mistake. I also received response from citi saying they have received the documents and reviewing it. 

On the other hand, merchant just provided the same tracking number. The citi representative did not even bother to check the tracking number and the documentation I had provided, and simply resolved the dispute in merchant 's favor. This is complete violation of customer 's right when you are not even having a look at the their documentation and simply resolving the dispute in merchant 's favor because all they did was respond. This is how merchants are able to successfully scam customers.
Consumer complaint received 2020-03-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (IN)

In XX/XX/XXXX, we had sent 6 separate payments ( checks from our bank ) to our mortgage company. We were later told by our mortgage company that they were sending the checks back to us and to send them a wire transfer in total amount of the 6 payments we had sent. So we sent them a wire transfer with the money still in our account ( in excess of {$13000.00} ).  Sometime later we discovered that they had cashed the checks which not only ended up sending our account into the negative due to overdrafts, overpayment, etc. but we also were charged NSF fees. We never opted in for overdraft protection on the checking account. Also, my wife, who is the main account holder was never notified or called about any over drafts. She was signed up for account notification and never received them. Even after going to the bank and talking with them, she still does not receive account notifications. The system failed us and we asked the bank to get the money back from the mortgage company due to the fraudulent withdrawal. We did not receive money back. Due to the constant lack of funds in the account, our monthly payment to our Chase Freedom credit card did not go through. My wife who is the main holder on that account was not called or notified about the late payment until it was too late. They have refused to help and/or remove the late payment from our credit report ( XX/XX/XXXX ). We simply ask that they credit the majority of the fees that we received because many of the purchases were made on the same day then posted on separate days so we were charged {$34.00} overdraft fees 3 times a day. Their system of notifying us did not work correctly and failed us as well as their customer service. They only recently credited our account for {$250.00} without informing us. After inquiring about the credit, we were informed that they were not going to help us any further and blamed us for the problems. We have been loyal Chase customers for 20+ years. We had to get a lawyer involved to solve the issues we had with our mortgage company which cost us thousands of dollars more. We want this situation resolved to our satisfaction after we lost a lot due to it.
Consumer complaint received 2020-03-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A. (CA)

i called citi bank collection dept today XXXX XXXX and asked for assistance from them regardin monthly payments for my two credit cardss specifically during this time that i am suffering from income disruption brought about by this public health issue triggered by this corona virus. I am asking for payment suspension for 90 days while this public health issue is ongoing. They refused to grant me this assistance instead they keep on telling me that there is nothing they can do to help me and that if i miss my payments my account will charged off and wil go to a collection company. I just feel that Citi bank should consider the current hardship their consumers are suffering from because this current public health issue is totally unexpected and therefore consumers will have difficulty making their monthly payments. I am complaining about how this Citi bank is not giving any consideration to the problems their consumers are suffering from specifically income disruption brought about this public health issue.
Consumer complaint received 2021-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BCA Financial Services, Inc. (FL)

Complaint was filed and CEO, XXXX XXXX replied stating this was removed from my credit back in XXXX. Yet, as of XX/XX/XXXX, it remains active on my credit. 
I have not received any documentation that this was removed either. This is violating my rights and damaging my credit rating which I have worked hard to maintain. 
I have attached a screenshot of one of my bureau reports from XX/XX/XXXX to prove it still remains on my credit.
Consumer complaint received 2021-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CONTRACT CALLERS INC (VA)

I have a delinquent/collection account that was paid off and has a balance of {$0.00}, however it is still reporting to the CRAs. It is against the law to report a paid and XXXX balance collection. I have contacted the company numerous times and was told the account would be removed from the credit reporting agencies. This account has been paid off for years!
Consumer complaint received 2021-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

Equifax ; XXXX and XXXX should not be reporting a collection/chargeoff, or that I am ( XXXX ) days late, on the US DEPT ED partial account numbers XXXX. ( Please see pages attached from my credit report. ) These accounts are reporting a {$0.00} balance and {$0.00} due. I have paid these accounts IN FULL and therefore there is no outstanding balance to report as a collection/charge and/or late. Please keep in mind it would be impossible to be late on an account with a {$0.00} balance. This false reporting is seriously harming my credit score. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report and these line items need to either be removed and/or updated to report correctly.
Consumer complaint received 2020-03-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (MS)

Company : PayPal. On this.website, I reported a problem with a product that I wasn't satisfied with and wanted a complete refund of {$50.00} because the seller half-assed and didn't follow any of the instructions that I have given them. The case was won in the seller 's favor because I.was n't able to submit evidence right away but now i have proof that this.seller is a.scammer as she traced most of it, didn't give credit to the original artist she traced, and not only.that has the nerve to lowball me. Just so it's clear, my PayPal email isn't the same, please email me by my new current one for details.
Consumer complaint received 2020-03-19
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: SYNCHRONY FINANCIAL (NM)

I received a court summons today for a debt in an amount I do not feel that I owe. The summons is from Synchrony Bank/XXXX XXXX. Late this evening, I was quite shocked when someone came to my door unannounced to serve these papers -- especially considering the current Coronavirus pandemic we are experiencing. The amount the summons is stating is much more than I remember accruing. Also, no one had contacted me regarding this debt prior to the man arriving unannounced. I am asking for Synchrony Bank/XXXX to please validate this debt, starting with the original charge on the card. If unable to validate the debt, I respectfully ask them to remove this from my credit report and please dismiss the case in New Mexico court.
Consumer complaint received 2024-02-05
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (MT)

My mail would not forward from my mail box. I got an email. I tried to bill pay citi bank. They sent it back b/c it had no account on it. I tried calling to talk to a person yesterday and today. They barely speak XXXX. They would not refund the late charges. I told them to close the card. The are a bunch of XXXX  worse than the XXXX  XXXX like XXXXXXXX XXXX  XXXX at the XXXX.
Consumer complaint received 2021-06-18
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: Amsher Collection Services, Inc. (NJ)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2021-06-18
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: AFNI INC. (TN)

After reviewing my most recent report, I discovered some items for which I had never applied or received any correspondence. A bill sent without a signature does not suggest that the debt is legal, and anyone can claim ownership of a bill. Be warned that this is an effort to violate FDCPA 1692, which is a federal statute.
Consumer complaint received 2021-06-18
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: DISCOVER BANK (NJ)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2024-01-23
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Neon Newco Corporation (NJ)

Brinks prepaid card/ netspend closed my account several months ago, yet they are holding the remaining funds in my account- {$520.00}. I would like a check issued for the remaining balance. My account number ends in XXXX
Consumer complaint received 2021-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (CA)

I can not get my credit report from Experian. I have tried for 6 months this year and they are refusing to furnish me with a copy of my credit report. 

There is a credit freeze on my account that I have cancelled several times. 
Experian keeps renewing the credit freeze with out my permission. 

Experian intentionally does not list a phone number to speak with a representative to resolve any credit issues with Experian. 

Experian is not complying with the COVID-19 guild-lines to allow credit customer 's access to their credit reports every 7- Days.
Consumer complaint received 2021-06-18
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: EQUIFAX, INC. (MO)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days 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 Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-06-18
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. (GA)

I have disputed a collection account with XXXX XXXX with Experian, XXXX  XXXX  for three months. This account is not a collection. It is under consolidation with XXXX  XXXX XXXX. XXXX is reporting I owe them {$5800.00}. This information is inaccurate and unsubstantiated. 

I request this entire tradeline to be removed from my credit report.
Consumer complaint received 2021-06-18
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: CREDIT ACCEPTANCE CORPORATION (NJ)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2022-12-31
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: TD BANK US HOLDING COMPANY (NC)

XXXX ) We purchased a sofa from XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX ) Total bill amount was XXXX XXXXXXXX. We were offered interest free loan to finance this. So we took the interest free loan of {$3500.00} to finance this purchase at the store. This was explained to us by the XXXX XXXX XXXX XXXX ) We continued paying the monthly installments as per the bill. In XX/XX/XXXX bill we noticed there is a charge of XXXX XXXXXXXX. WE called the XXXX XXXX. We were told this is for mattress that we recently purchased and than returned at the store same day. They cancelled this purchased and have informed the lender ( TD Bank ) to refund this amount of {$810.00}. It will take XXXX payment cycles ( By XX/XX/XXXX ) to appear as credit in monthly bill XXXX ) In XXXX we noticed this amount has not been reversed. We called XXXX XXXX. They now asked to reach lender TD Bank ( Contact Number : XXXX ). TD Bank told us that XXXX XXXX interest was only for XXXX XXXX after that XXXX XXXX interest rate. This we were not informed when we took the financing for the furniture. Secondly {$810.00} is interest @ XXXX XXXX on principal loan amount as on XX/XX/XXXX. Basically what we were told that as we have not fully paid the loan in XXXXXXXX XXXX ( promotion year ), they are charging interest at XXXX XXXX on loan outstanding in the XXXX XXXX finally they will now continue charging XXXX XXXX interest rate per annum on outstanding loan XXXX ) TD Bank representative were very rude and did not listen that we were not told that interest free is only XXXX XXXX and if we don't pay off the loan fully in first year they will charge XXXX XXXX on loan outstanding in XXXX XXXX and there after. 
XXXX ) We made a purchase /finance of {$3500.00} and in last last XXXX XXXX ( XX/XX/XXXX to XX/XX/XXXX ) we paid interest of XXXX XXXXXXXX XXXX ) We humbly request for waiver of this interest amount of {$1200.00}. This financing / product was misrepresented by XXXX XXXXXXXX XXXX. They never disclose that XXXX XXXX interest is only XXXXXXXX XXXX  and after that it XXXX XXXX and you also pay XXXX XXXX on XXXXXXXX XXXX outstanding loan, if the loan amount is not fully paid in XXXX XXXX  Kindly help us. 
Regards, XXXX XXXX
Consumer complaint received 2021-06-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (GA)

I had a home video system installed by XXXX in XX/XX/XXXX. They bill through Best Buy. I paid it off in XX/XX/XXXX. For some unknown reason, XXXX started billing me {$19.00} through Best Buy card in XX/XX/XXXX. I was moving and had no idea why I was being billed but paid the XXXX bill, which included a late fee just to make it go away. They charged again in XXXX. I called XXXX. Spoke to XXXX in XXXX XXXX store in XXXX on XX/XX/XXXX at XXXX. XXXX agreed the billing was in error and promised to stop the billing, eliminate current bill and refund paid amounts. He did stop future billing but did not eliminate current bill. As such, I got late notices in XXXX and XXXX. I called and disputed the claim through Best Buy card ( citibank ). I started getting collection calls. I called Best Buy card again on XX/XX/XXXX and spoke to XXXX at XXXX. XXXX said it was all fixed. I received a letter from Best Buy on XX/XX/XXXX stating my dispute was not granted as they had insufficient information. Best Buy dropped my credit limit. I got collection calls on XX/XX/XXXX. I owe no one in the world other than my mortgage and a leased call. My credit is perfect. I would gladly pay {$80.00} if I owed it. Despite multiple calls and a promise each time this is fixed, the problem persists. They simply are not responsive.
Consumer complaint received 2023-05-05
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: Experian Information Solutions Inc. (FL)

Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with XXXX  statues. Please remove the following accounts completely from my credit reports.Inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX